Angikaar 2025 campaign aims to expedite PMAY-U 2.0's implementation by focusing on community mobilization, convergence with other welfare schemes, and door-to-door awareness drives to ensure last-mile delivery of dignified housing to one crore additional urban families.
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Picture Courtesy: PIB
Context
The Union Minister for Housing and Urban Affairs launched the Angikaar 2025 campaign to boost the implementation of Pradhan Mantri Awas Yojana - Urban 2.0 (PMAY-U 2.0).
What is Angikaar 2025?
Angikaar 2025 is a last-mile outreach campaign designed to accelerate PMAY-U 2.0 by:
What is PMAY-U 2.0?
Pradhan Mantri Awas Yojana – Urban 2.0, launched in September 2024, is a revamped version of PMAY-U (2015) to provide 1 crore additional pucca houses by 2028 for urban poor and middle-class families.
It builds on PMAY-U’s progress, which sanctioned 120 lakh houses, with 94.11 lakh completed by September 2025.
Key Features
Target: Provide all-weather pucca houses (up to 45 sqm) to 1 crore urban families through construction, purchase, or rental options.
Investment: ₹10 lakh crore, with ₹2.3 lakh crore as central subsidy assistance.
Eligibility:
Coverage: All statutory towns (Census 2011), notified planning areas, and urban development/industrial authority regions.
Beneficiary-Led Construction (BLC): Provides ₹2.5 lakh per unit for EWS families to build houses on their land. States/UTs may grant land rights to landless families.
Affordable Housing in Partnership (AHP): Partners with public/private agencies to build houses for EWS beneficiaries. Offers redeemable vouchers for approved private projects.
Affordable Rental Housing (ARH): Provides hygienic rental homes for migrants, students, and urban homeless.
Interest Subsidy Scheme (ISS): Offers 4% interest subsidy on loans up to ₹25 lakh (house cost ≤₹35 lakh). Maximum subsidy of ₹1.8 lakh, disbursed in five annual installments.
Monitoring: Real-time dashboard, geo-tagging via BHUVAN/Bharat Map, and a unified PMAY-U 2.0 portal for tracking applications and funds.
Direct Benefit Transfer (DBT): Ensures funds reach beneficiaries based on construction stages.
Challenges in PMAY-U Implementation
Delayed Execution: The original 2022 deadline for 12 million houses was missed, extended to December 2024. As of September 2025, 25.89 lakh houses remain incomplete.
State Funding Delays: It is a centrally sponsored scheme with a 60:40 sharing pattern between the Centre and states in plain areas, and 90:10 in hilly regions. Some states delay their share (e.g., west bengal), slowing progress.
Insufficient Subsidy: ₹2.5 lakh per unit is often inadequate for urban construction costs, forcing beneficiaries to seek private loans.
Quality Issues: Poor supervision leads to substandard houses, with no effective mechanism to enforce construction standards. (CAG Report)
Documentation issues: Many potential beneficiaries, particularly slum dwellers, lack proper property title documents, which is a key requirement for the Beneficiary-Led Construction (BLC) vertical.
Access to finance: EWS households, often in the unorganized sector, struggle to secure home loans due to complex bank requirements and a lack of formal income proof.
Land scarcity and cost: Finding suitable, affordable land in urban centers is difficult, especially in larger cities. This inflates housing costs and pushes projects to peripheral areas lacking infrastructure.
Convergence Gaps: Integration with schemes like Swachh Bharat (toilets) and Jal Jeevan Mission (water supply) is inconsistent, e.g., incomplete toilets in Rajasthan.
Way Forward
Timely Fund Release: Ensure prompt disbursement of state and central funds, adopting Direct Benefit Transfer (DBT) models like MGNREGA for efficiency.
Streamline Approvals: Implement a single-window clearance system for faster project approvals and land-use changes to cut delays.
Simplify Finance for Informal Sector: Ease loan application and documentation requirements for informal sector workers, who lack formal income proof, to improve credit access.
Empower Local Bodies: Grant Urban Local Bodies (ULBs) more autonomy and resources for effective project execution, beneficiary selection, and verification.
Strengthen Awareness: Expand campaigns like Angikaar 2025 with simplified documentation and local language outreach to reach marginalized groups.
Overhaul Slum Rehabilitation: Revise the underperforming In-Situ Slum Redevelopment (ISSR) approach. Use models like Odisha's Jaga Mission, which focuses on providing land rights and improved infrastructure.
Quality Monitoring: Introduce social audits and stricter supervision to ensure compliance with construction standards.
Promote Rental Housing: Prioritize the Affordable Rental Housing Complexes (ARHC) sub-scheme to provide dignified, affordable homes for urban migrants.
Convergence with Schemes: Strengthen integration with AMRUT 2.0, Swachh Bharat, and PM Surya Ghar for holistic benefits (e.g., toilets, water, electricity).
Focus on Landless Beneficiaries: States should prioritize land allocation for landless families under BLC to enhance inclusivity.
Conclusion
Angikaar 2025 and PMAY-U 2.0 are steps toward achieving Housing for All in urban India. While the scheme’s inclusive design and robust funding are strengths, challenges like delays, quality issues, and awareness gaps need urgent attention.
Source: PIB
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PRACTICE QUESTION Q. Discuss the role of public outreach campaigns like Angikaar in improving the implementation and last-mile delivery of central government schemes. 150 words |
The core objective is to ensure last-mile delivery of PMAY-U 2.0 benefits through community mobilization and convergence.
The Ministry of Housing and Urban Affairs (MoHUA) is responsible for the campaign.
Eligible families will receive up to ₹2.50 lakh in financial support.
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