Why in the news?

  • Ministry of Housing and Urban Affairs launched Angikaar 2025 campaign under Pradhan Mantri Awas Yojana- Urban 2.0.

Angikaar 2025

  • What is it?: Angikaar 2025 is a last-mile outreach initiative under Pradhan Mantri Awas Yojana – Urban 2.0 (PMAY-U 2.0).
  • Nodal Ministry: Ministry of Housing and Urban Affairs
  • Objectives:
    • Strengthen the implementation of PMAY-U 2.0 through intensified awareness.
    • Fast-tracks Verification  of pending applications and Completion of already sanctioned housing units.
      • Verification of pending applications.
      • Completion of already sanctioned housing units.
    • Raise stakeholder awareness about Credit Risk Guarantee Fund Trust for Low Income Housing (CRGFTLIH).
    • Ensure last-mile delivery and synergy with other GoI schemes via Community mobilisation, targeted engagement, convergence efforts.
    • Extend benefits of PM Surya Ghar: Muft Bijli Yojana to PMAY-U beneficiaries.
    • Prioritise housing needs for Special Focus Group beneficiaries under PMAY-U 2.0
  • Duration: 4 September to 31 October 2025.
  • Coverage: Over 5,000+ Urban Local Bodies (ULBs) across India.
  • Methods
    • Door-to-door awareness drives.
    • Outreach via camps, loan melas, cultural events.
    • Foster participation through the Jan Bhagidari movement.
  • Significance
    • Reaffirms the Government’s drive to bridge implementation gaps and bring welfare closer to the vulnerable.
    • Enhances participatory governance via public engagement in housing delivery.
    • Accelerates delivery of urban housing goals aligned with the broader ’Housing for All’ vision.

Pradhan Mantri Awas Yojana – Urban 2.0

  • Launch: Approved by Union Cabinet in September 2024 as a revamped phase of PMAY-U
  • Duration: Implemented over five years (2024–2029)
  • Target: Extend central assistance up to ₹2.50 lakh per unit to 1 crore urban poor and middle-class families for constructing, purchasing, or renting affordable housing.
  • Budgetary Push: Backed by a proposed ₹10 lakh crore investment, with ₹2.50 lakh crore in direct central assistance.
  • Components:
    • Beneficiary-Led Construction (BLC): Assistance up to ₹2.50 lakh for EWS families to build a pucca house (30–45 sq m) on self-owned land.
    • Affordable Housing in Partnership (AHP): Facilitates construction of houses (30–45 sq m) by public/private agencies, to be allotted to eligible EWS beneficiaries.
    • Affordable Rental Housing (ARH): Aims to construct rental housing for urban migrants, women workers, industrial laborers, homeless, etc., via public/private entities.
    • Interest Subsidy Scheme (ISS): Interest subsidy (up to ₹1.80 lakh) on home loans for EWS, LIG, and MIG (income up to ₹9 lakh), loans sanctioned post-1 September 2024.
  • Implementation & Monitoring:
    • Real-time MIS/portal system: Unified web portal, with MIS accessible to stakeholders for tracking, status updates, and analytics.
    • MoA Requirement: States/UTs participate after signing Memorandum of Agreement (MoA) with the Ministry of Housing & Urban Affairs.