Replying to a question in the assembly, the government said that under the beneficiary-led construction (BLC) vertical of PMAY-urban mission 1.0, a total of 39,153 houses were sanctioned across the Union Territory.
Of these, 31,173 houses have been completed and 7,980 are currently under construction, with the target to finish them by the extended mission deadline of September 2026, it said.
District-wise data shows that Jammu district recorded the highest number 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 under construction.
With specific reference to the Lal Chowk Assembly constituency, the government said in its reply that 423 houses were sanctioned under PMAY-Urban 1.0, out of which 263 have been completed, while construction is ongoing on 160 units.
Regarding PMAY-Urban 2.0, it said that 21,271 applications have been received under the BLC vertical through the Unified Web Portal. “Of these, 16,830 applications have been verified, 2,641 remain pending verification, and 2,863 applicants have been found eligible. So far, 2,120 houses have been approved with financial assistance amounting to ₹53 crore”.
Under the Affordable Housing in partnership (AHP) vertical of PMAY-Urban 2.0, the ministry of housing and urban affairs has approved 1,272 flats, including 760 economically weaker section units at Bhalwal in Jammu, 208 at Roop Nagar in Jammu, and 304 at Chakhar Sundli in Udhampur. “Verification of beneficiaries for these units is currently underway,” it said.
However, the government clarified that out of 12 cases sanctioned in Srinagar city under the BLC vertical of PMAY-Urban 2.0 so far, none pertain to the Lal Chowk constituency.
Addressing concerns over delays, the government said that under the BLC component, construction is primarily undertaken by beneficiaries themselves. Financial assistance of ₹1.50 lakh from the Centre and ₹0.1666 lakh as UT share is released in instalments based on construction progress verified through field inspections and geo-tagging.
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Beneficiaries are also required to contribute their own share, ranging between ₹2.93 lakh and ₹3.39 lakh, it said, adding that the delays are mainly due to the limited financial capacity of beneficiaries, difficulty in mobilising funds, rising construction material costs and personal constraints.
To mitigate these challenges, the housing and urban development department has introduced an interest-free loan facility of ₹2 lakh per beneficiary through J-K Bank, repayable over a period of 10 years, to support the completion of houses under the scheme.
