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eo-ro-s08-t02 MCQ - Practice Questions with Answers

Solve 30 eo-ro-s08-t02 questions for RAS/RPSC preparation.

Practice questions

Q1In PMAY-U 2.0, which statement about the Interest Subsidy Scheme is incorrect?

A It is one of the four PMAY-U 2.0 verticals.
B It is linked to eligible EWS, LIG and MIG households using housing loans.
C It reduces the borrowing cost for eligible households through interest subsidy.
D It is restricted only to rental housing stock and does not involve housing loans.
Explanation

The Interest Subsidy Scheme is the credit-linked vertical under PMAY-U 2.0 for eligible EWS, LIG and MIG households. Affordable Rental Housing is a separate vertical, so treating the subsidy route as only rental-stock support confuses two different components.

Q2Match the PMAY-U 2.0 vertical with the housing need it directly addresses: 1. Beneficiary Led Construction 2. Affordable Housing in Partnership 3. Affordable Rental Housing 4. Interest Subsidy Scheme. Which matching is correct?

A 1 - rental stock; 2 - individual construction; 3 - loan subsidy; 4 - partnership projects
B 1 - individual construction on eligible land; 2 - affordable houses through approved partnership projects; 3 - affordable rental stock; 4 - interest subsidy on housing loans
C 1 - civic services only; 2 - individual loan subsidy; 3 - project sanction by CSMC only; 4 - rural house repair
D 1 - private developer rental only; 2 - beneficiary builds alone; 3 - income-group certification only; 4 - city road funding
Explanation

The four PMAY-U 2.0 verticals answer different housing problems: beneficiary construction, project-based supply, rental stock and loan-cost reduction. Mixing rental support with loan subsidy or treating civic works as a vertical blurs the scheme's component structure.

Q3Consider the following statements about the Unified Web Portal and MIS under PMAY-U 2.0: 1. They support demand registration and beneficiary verification. 2. They support project listing, monitoring and geo-tagging. Which of the statements is/are correct?

A 1 only
B 2 only
C Both 1 and 2
D Neither 1 nor 2
Explanation

The Unified Web Portal and MIS are not merely a display website; they support demand registration, beneficiary verification, project listing, real-time monitoring and geo-tagging. Excluding either the beneficiary workflow or the project-monitoring workflow gives an incomplete view of the scheme's digital control system.

Q4Which set best represents institutions that can function as implementing agencies under PMAY-U 2.0 when selected by the State or SLSMC?

A Gram Panchayats, District Rural Development Agencies and rural self-help groups
B Only nationalised banks and housing finance companies
C Only the Central Sanctioning and Monitoring Committee
D ULBs, development authorities, housing boards and selected private developers
Explanation

PMAY-U 2.0 uses an urban implementation structure in which ULBs, development authorities, housing boards and selected private developers can act as implementing agencies when selected by the State or SLSMC. Rural bodies and central sanctioning forums are traps because they do not replace the urban implementing-agency role.

Q5Which of the following is incorrect about the State Level Sanctioning and Monitoring Committee under PMAY-U 2.0?

A It is headed by the Chief Secretary.
B It approves and monitors projects under the mission at the State level.
C It replaces MoHUA as the nodal Union ministry for PMAY-U 2.0.
D It works within the State implementation architecture along with the SLNA and other State agencies.
Explanation

The SLSMC is a Chief Secretary-headed State committee for sanctioning and monitoring projects under the mission. It does not replace MoHUA, which remains the nodal Union ministry, and it operates with the SLNA and State agencies in the State architecture.

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More questions

6Consider the following statements about eligibility under PMAY-U 2.0: 1. The scheme addresses eligible urban poor and middle-class families. 2. A family owning a pucca house anywhere in India is excluded. 3. The scheme is limited only to EWS families. Which option is correct?

A1 only
B1 and 2 only
C2 and 3 only
D1, 2 and 3

7How many of the following are verticals of PMAY-U 2.0: Beneficiary Led Construction; Affordable Housing in Partnership; Affordable Rental Housing; Interest Subsidy Scheme; Swachh Bharat Mission?

AThree
BFour
CFive
DTwo

8Match the PMAY-U 2.0 vertical with its correct functional focus: 1. Beneficiary Led Construction 2. Affordable Housing in Partnership 3. Affordable Rental Housing 4. Interest Subsidy Scheme A. Affordable rental stock B. Individual construction by an eligible beneficiary C. Project-based affordable housing supply D. Interest support through the housing-loan route

A1-C, 2-B, 3-A, 4-D
B1-B, 2-C, 3-A, 4-D
C1-B, 2-D, 3-A, 4-C
D1-A, 2-C, 3-B, 4-D

9How many of the following are PMAY-U 2.0 verticals? 1. Affordable Housing in Partnership 2. Affordable Rental Housing 3. Interest Subsidy Scheme 4. Urban Livelihood Skill Training

AOne
BThree
CTwo
DFour

10Which set contains all four PMAY-U 2.0 verticals as given in the current guideline frame?

ABeneficiary Led Construction, Affordable Housing in Partnership, Affordable Rental Housing and Interest Subsidy Scheme
BBeneficiary Led Construction, In-situ Slum Redevelopment, Affordable Housing in Partnership and Credit Linked Subsidy Scheme
CAffordable Rental Housing, Smart Cities, AMRUT and Interest Subsidy Scheme
DBeneficiary verification, project listing, geo-tagging and quality control

11Which set correctly lists all four verticals of PMAY-U 2.0?

ABeneficiary Led Construction, Affordable Housing in Partnership, Affordable Rental Housing and Interest Subsidy Scheme
BBeneficiary Led Construction, Smart Cities Mission, Affordable Rental Housing and Interest Subsidy Scheme
CAffordable Housing in Partnership, Swachh Bharat Mission, Interest Subsidy Scheme and AMRUT
DBeneficiary Led Construction, Housing for All in Villages, Affordable Rental Housing and National Urban Livelihood Mission

12Consider the following statements about PMAY-U 2.0: 1. Beneficiary Led Construction is one of its four verticals. 2. Middle Income Group includes annual household income above Rs 6 lakh and up to Rs 9 lakh. 3. CSMC works at the state-level sanctioning and monitoring stage. Which statements are correct?

A1 only
B1 and 2 only
C2 and 3 only
D1, 2 and 3

13Under PMAY-U 2.0, which statement best describes the Affordable Housing in Partnership vertical?

AIt is a project-based vertical for supplying affordable houses through public agencies, parastatals, private developers or approved market routes.
BIt is an individual construction route where an EWS family builds a house on its own land.
CIt is a rental-only vertical for converting vacant houses into affordable rental stock.
DIt is a credit-linked vertical that reduces interest cost on housing loans for eligible households.

14Which statement correctly describes the central institutional arrangement of PMAY-U 2.0?

AThe Ministry of Rural Development is the nodal Union ministry, and district panchayats sanction urban projects.
BMoHUA is the nodal Union ministry, and CSMC functions at the central sanctioning and monitoring level.
CSLSMC is the nodal Union ministry, while MoHUA only maintains the city beneficiary list.
DULBs are the central sanctioning authority, and CSMC functions only as a lending institution.

15Consider the following statements about the PMAY-U 2.0 portal and MIS: 1. They support demand registration, beneficiary verification and project listing. 2. They support real-time monitoring and geo-tagging of project or house progress. 3. They remove the need for States, ULBs and implementing agencies to validate beneficiary data. How many of the above statements are correct?

AOnly two
BOnly one
CAll three
DNone

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