How to Cite it
Singh, M., & Dehalwar, K. (2025). Pradhan Mantri Awas Yojana–Urban (PMAY-U): A Comprehensive Review of Progress, Implementation Challenges, and Future Directions for Affordable Housing in India. Journal for Studies in Management and Planning, 11(11), 29–50. https://doi.org/10.26643/jsmap/2026/1
The Pradhan Mantri Awas Yojana-Urban (PMAY-U), launched in 2015, is one of India’s largest national missions aimed at achieving inclusive urban development through affordable housing for all. This review paper synthesizes existing research, policy documents, government progress reports, and evaluation studies to assess the mission’s performance across its four verticals-Beneficiary-Led Construction (BLC), Affordable Housing in Partnership (AHP), Credit-Linked Subsidy Scheme (CLSS), and In-Situ Slum Redevelopment (ISSR). The analysis highlights PMAY-U’s achievements in expanding homeownership among economically weaker sections (EWS) and low-income groups (LIG), promoting formal housing finance access, and leveraging public-private partnerships for housing delivery. At the same time, the review identifies persistent challenges such as delays in construction, land availability constraints, financial bottlenecks, quality of construction, institutional fragmentation, and limited uptake of certain verticals such as ISSR. The paper also discusses the social and economic impacts of PMAY-U, including improved living conditions, tenure security, gender empowerment through joint ownership mandates, and incremental effects on local economies. Based on emerging evidence, the review outlines future policy directions, emphasizing integrated urban planning, strengthening governance capacity, technology-driven monitoring, sustainable construction practices, and targeted support for vulnerable populations. The findings contribute to an improved understanding of the mission’s role in shaping India’s affordable housing landscape and provide insights for enhancing the next phase of urban housing policy.
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