Jammu, March 2026 – The Jammu and Kashmir government has said that more than 31,000 houses have been completed under the Pradhan Mantri Awas Yojana since the inception of the scheme, while several units that are under construction are largely due to beneficiary-related constraints. Under the beneficiary-led construction 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. District-wise data shows that Jammu district recorded the highest number of sanctioned units at 5,755, followed by Baramulla with 4,165 and Budgam with 3,204. Srinagar accounted for 3,508 sanctioned units, of which 2,664 have been completed.
Why Beneficiary-Led Delays Are the Primary Challenge
The BLC vertical of PMAY-Urban is structurally different from government-built housing: beneficiaries themselves are responsible for construction, with the government releasing funds in instalments linked to verified construction progress through field inspections and geo-tagging. 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.
Delays in this model arise when beneficiaries often from economically weaker sections face difficulties in managing construction: coordinating labour, procuring materials in J&K’s terrain-constrained geography, and navigating local approval processes. The government has acknowledged these as “beneficiary-related constraints” rather than administrative failures, an important distinction that shapes the remediation approach.
PMAY-Urban 2.0: New Phase and New Approvals
Under the Affordable Housing in Partnership vertical of PMAY-Urban 2.0, the Ministry of Housing and Urban Affairs has approved 1,272 flats, including 760 EWS 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.
The AHP vertical differs from BLC in that housing is constructed by public or private agencies rather than individual beneficiaries, making delivery timelines more predictable and less dependent on individual household capacity. The three approved locations in Jammu district represent the UT’s first significant AHP-vertical approvals under the 2.0 framework.
