In response to a question in the assembly, the government stated that under the beneficiary-led construction (BLC) segment of PMAY-urban mission 1.0, a total of 39,153 houses were approved throughout the Union Territory.
Out of these, 31,173 houses have been completed, and 7,980 are currently under construction, with a goal to finish them by the revised mission deadline of September 2026, officials noted.
District-specific data shows that Jammu district has the highest count of sanctioned houses at 5,755, followed by Baramulla with 4,165 and Anantnag with 3,856. In Srinagar district, 3,508 houses were sanctioned, of which 2,664 have been completed and 844 are underway.
Specifically referencing the Lal Chowk Assembly constituency, the government indicated in its response that 423 houses were sanctioned under PMAY-Urban 1.0; 263 of these have been completed, while construction is progressing on 160 units.
Concerning PMAY-Urban 2.0, it stated that 21,271 applications have been received under the BLC vertical via the Unified Web Portal. “Of these, 16,830 applications have been verified, 2,641 are pending verification, and 2,863 applicants have qualified. To date, 2,120 houses have received approval with a financial support total of ₹53 crore.”
Under the Affordable Housing in Partnership (AHP) segment of PMAY-Urban 2.0, the Ministry of Housing and Urban Affairs has authorized 1,272 flats, including 760 units for economically weaker sections at Bhalwal in Jammu, 208 at Roop Nagar in Jammu, and 304 at Chakhar Sundli in Udhampur. “Verification of beneficiaries for these flats is currently ongoing,” it mentioned.
However, the government clarified that among the 12 cases sanctioned in Srinagar city under the BLC vertical of PMAY-Urban 2.0 so far, none are related to the Lal Chowk constituency.
Addressing concerns about delays, the government explained that within the BLC component, construction is primarily conducted by the beneficiaries themselves. Financial assistance of ₹1.50 lakh from the Centre and ₹0.1666 lakh as the UT share is disbursed in installments based on construction progress confirmed through field inspections and geo-tagging.
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Beneficiaries are also required to contribute their own share, ranging from ₹2.93 lakh to ₹3.39 lakh, it noted, adding that delays are mainly due to beneficiaries’ limited financial capacity, challenges in securing funds, increasing construction material costs, and personal factors.
To alleviate these issues, the housing and urban development department has rolled out an interest-free loan option of ₹2 lakh per beneficiary through J-K Bank, repayable over a 10-year period, to assist in the completion of houses under the scheme.
