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Housing Schemes

PMAY-U Phase 1 Deadline: What Happens to Houses Still Not Complete

PMAY-U phase 1 runs only to finish sanctioned houses, reportedly until 30 September 2026. New applicants must use PMAY-U 2.0.

VD

Written by Vikram Desai

Published 16 September 2026·5 min read

On this page9 sections
Credsir Housing Schemes guide cover with a house icon

Phase 1 of PMAY-Urban now runs only so that houses already sanctioned can be finished. Minister of State Tokhan Sahu told the Rajya Sabha that the scheme period has been extended to 30 September 2026. The extension covers completing under-construction houses and releasing funds through the SNA-SPARSH system, the Daily Excelsior reported on 11 August 2026. Phase 1 takes no new applications, so new applicants must apply under PMAY-U 2.0.

Key facts

Item Detail
Scheme Pradhan Mantri Awas Yojana-Urban (PMAY-U), “Housing for All” Mission
Launched 25 June 2015
Original mission period Up to 31 March 2022
Extension shown on the PMAY-U website 31 December 2025, for houses sanctioned up to 31 March 2022
Latest reported extension 30 September 2026, for under-construction houses (Rajya Sabha reply, as reported)
Credit Linked Subsidy Scheme (CLSS) Closed on 31 March 2022
Replacement scheme PMAY-U 2.0, running for 5 years from 1 September 2024
Progress (both phases) 127.68 lakh houses sanctioned and 99.07 lakh completed or delivered as of 13 July 2026, per ORF citing MoHUA

What the extension covers and what it does not

The extension keeps phase 1 open for houses the government has already sanctioned. As reported, it covers two things: finishing houses still being built and releasing money to them. The PMAY-U website describes earlier extensions the same way, with no change to the funding pattern or the way the scheme is run.

It does not reopen phase 1 for new applicants or new sanctions. It also does not revive CLSS, the phase 1 home-loan interest subsidy, which closed on 31 March 2022. A home-loan borrower today would look at the Interest Subsidy Scheme under PMAY-U 2.0.

Status of the 30 September 2026 date

The date comes from a written reply in Parliament, reported by the Daily Excelsior and repeated by the Observer Research Foundation (ORF). We could not find a PIB release or MoHUA notice carrying it. The About page of pmay-urban.gov.in, as archived in July 2026, still gave 31 December 2025. Treat 30 September 2026 as the latest date reported from Parliament. Your state nodal agency can confirm it.

No statement has been found on what happens to houses left unfinished after 30 September 2026. If your house is still under construction, finish and record the remaining stages before that date.

If your phase 1 house is still under construction

Under phase 1’s Beneficiary-led Construction (BLC) vertical, central assistance of ₹1.5 lakh went to eligible EWS families. States release instalments by direct benefit transfer as each construction stage is geo-tagged. The PMAY-U system uses five geo-tagging stages.

  1. Find your sanction details and the stage last recorded, from your ULB or the state’s PMAY-U cell.
  2. Finish the next construction stage.
  3. Ask the ULB to geo-tag that stage in the MIS without delay.
  4. Check that your bank account is active and seeded for direct benefit transfer.
  5. Follow up until the matching instalment is credited.
  6. Repeat for each remaining stage before 30 September 2026.

If you live in an Affordable Housing in Partnership (AHP) or slum redevelopment project, the builder or agency does the construction. Ask the ULB for the project’s completion date and allotment status.

Pending central assistance instalments: who to contact

ItemDetails
Urban local body (ULB)first stop for geo-tagging, beneficiary details and stuck instalments.
State Level Nodal Agency (SLNA)handles PMAY-U for the state. The list of SLNAs is on pmaymis.gov.in.
PMAY-U grievance portalthe “lodge your complaint” link (PGRAMS) on pmay-urban.gov.in.
CPGRAMSpgportal.gov.in, for complaints to any central ministry.
PMAY-U office, MoHUAphone 011-23063285 or 011-23060484, as listed on pmay-urban.gov.in.

Keep your assessment ID, sanction letter, bank passbook and photos of each construction stage when you complain.

Can a phase 1 applicant apply under PMAY-U 2.0?

It depends on what happened to your phase 1 file. The PMAY-U 2.0 rules make these people ineligible:

  • Anyone allotted a house under any central, state or local government housing scheme in the last 20 years.
  • Anyone whose PMAY-U house was curtailed by the CSMC after 31 December 2023 on the state’s recommendation.
  • Anyone whose family owns a pucca house anywhere in India.

If your phase 1 demand survey never led to a sanctioned house, the rules do not bar you on that ground alone. You still have to meet PMAY-U 2.0 eligibility: annual household income up to ₹3 lakh (EWS), ₹6 lakh (LIG) or ₹9 lakh (MIG), and no pucca house. Your ULB decides on verification. You apply on the PMAY-U 2.0 portal after an eligibility check and Aadhaar OTP authentication.

PMAY-U 2.0 vertical Support
BLC and AHP (most states) ₹1.5 lakh central plus at least ₹1 lakh state share per house
BLC and AHP (NE and hill states, J&K, Puducherry, Delhi) ₹2.25 lakh central plus at least ₹0.25 lakh state share
Interest Subsidy Scheme Up to ₹1.80 lakh, paid in 5 yearly instalments

Our page on Awas Yojana Urban covers PMAY-U 2.0 eligibility and the application steps.

How to check your phase 1 file today

  1. Open pmaymis.gov.in.
  2. Under Citizen Assessment, choose Track Your Assessment Status.
  3. Search by Assessment ID, or by name, father’s name and mobile number.
  4. Note the status and take it to your ULB if the house or payment is pending.

For the full list of housing schemes, see our PMAY and government housing schemes hub.

Frequently asked questions

What is the last date of PMAY-U phase 1?

The latest date reported from a Rajya Sabha reply is 30 September 2026, for completing houses already sanctioned. The PMAY-U website’s About page still gave 31 December 2025 when archived in July 2026.

Can I apply for PMAY-U phase 1 now?

No. Phase 1 only completes houses sanctioned earlier. New applications go to PMAY-U 2.0.

Can I still claim the old CLSS subsidy?

No. CLSS closed on 31 March 2022. PMAY-U 2.0’s Interest Subsidy Scheme covers home loans sanctioned and disbursed on or after 1 September 2024.

What is PMAY HFA (Urban)?

HFA stands for Housing for All, the mission name used for PMAY-U. The same name appears on the pmaymis.gov.in portal.

How do I track a PMAY-HFA urban application?

Use Track Your Assessment Status on pmaymis.gov.in for phase 1. For PMAY-U 2.0, use Applicant login with Aadhaar OTP.

What if my house is not finished by 30 September 2026?

No official statement on this has been found. Contact your ULB or state nodal agency now, and record the remaining stages before the date.

Sources