A recent report published on December 26, 2025, by Aaj Tak highlights significant implementation issues in the Pradhan Mantri Awas Yojana (PMAY), particularly the rural component (PMAY-Gramin). In eight states, millions of poor beneficiaries are facing stalled installments, incomplete houses, and unfulfilled dreams of owning a pucca home due to lack of funds, technical glitches (such as Aadhaar/PFMS authentication issues), and bureaucratic delays.
The article cites real-life examples, like in Bihar’s Vaishali district, where beneficiaries applied as early as 2020 but only received initial installments by 2025, leaving construction incomplete.
Broader Context and Progress
While the report focuses on challenges in specific states, PMAY (launched in 2015) has made substantial progress nationally:
- Over 3.78 crore pucca houses added across rural and urban areas.
- In PMAY-Urban: ~1.22 crore sanctioned, ~96 lakh completed (as of late 2025).
- PMAY-Gramin extended with a target of additional 2 crore houses by 2029.
- Deadline for completing sanctioned houses extended to December 31, 2025.
However, issues persist:
- Incomplete projects: CAG reports (2025) flagged irregularities in states like Uttar Pradesh (data inaccuracies, ineligible beneficiaries) and low completion rates in Maharashtra (~38% of sanctioned houses).
- Vacant completed houses: Nearly 46-47% of some urban PMAY houses remain unoccupied due to missing infrastructure (roads, water, electricity).
- Fund delays: Aadhaar linkage issues, verification delays, and state-center coordination problems.
The government is addressing these through extensions, SWAMIH funds for stalled projects, and PMAY-U 2.0 (aiming for 1 crore more urban houses). Beneficiaries facing delays should check status on pmayg.nic.in (for Gramin) or pmay-urban.gov.in (for Urban) using Aadhaar/registration details.
Despite setbacks in some areas, the scheme continues to transform lives for millions—early resolution of these bottlenecks will help fulfill more dreams.