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RAS question

PM Awas Yojana - Urban provides assistance for:

Correct answer: (B) Affordable housing for urban poor.

Pradhan Mantri Awas Yojana-Urban provides assistance for affordable housing for the urban poor.

  1. (A)

    Luxury housing

  2. (B)

    Affordable housing for urban poor

  3. (C)

    Commercial buildings

  4. (D)

    Road construction

Explanation

PMAY-U is the Government of India's urban 'Housing for All' mission, implemented by the Ministry of Housing and Urban Affairs since 25 June 2015. Its assistance is not for luxury or commercial construction; the official PMAY-U page says the mission provides Central assistance to States and Union Territories for the housing requirements of slum dwellers and people in the EWS, LIG and MIG categories in urban areas. The four verticals also point to the same purpose: beneficiary-led house construction or enhancement, affordable housing in partnership, in-situ slum redevelopment, and the Credit Linked Subsidy Scheme for eligible housing loans. PMAY-U 2.0 was launched in 2024 for 1 crore more houses, so the core idea remains affordable urban housing support.

Why the other options are wrong

  • (A) Luxury housing is outside PMAY-U's stated focus because the scheme targets slum dwellers and eligible EWS, LIG and MIG urban households, not high-end residential demand.
  • (C) Commercial buildings do not fit the scheme because PMAY-U assistance is tied to houses, housing loans, slum redevelopment and beneficiary-led residential construction.
  • (D) Road construction is a public infrastructure activity, while PMAY-U's listed verticals are all housing-related.

Concept

This tests welfare schemes under Indian Economy, especially the target group and design of major Centrally Sponsored Schemes. It recurs in RAS because urban poverty, housing and flagship Union schemes are regular governance-economy themes.

Source

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