The figures, shared in Lok Sabha, show that central assistance of Rs 586.00 crore was released for PMAY-U works in Jammu and Kashmir, of which Rs 434.48 crore has been utilised. Nationally, about 79.3 per cent of sanctioned houses under PMAY-U have been completed, placing Jammu and Kashmir marginally below the all-India completion rate. PMAY-U, launched in June 2015, was restructured into PMAY-U 2.0 from September 1, 2024. The ministry told Parliament that, so far, 122.28 lakh houses have been sanctioned under PMAY-U schemes nationwide, including 10.66 lakh under PMAY-U 2.0; 97.02 lakh houses have been completed as of January 22, 26. Experts caution that timely fund flow, strengthened implementing capacity at municipal and district levels, and transparent beneficiary lists will determine whether PMAY-U 2.0 meaningfully closes urban housing deficits in the Union Territory.