The Pradhan Mantri Awas Yojana (PMAY) envisions the provision of ‘Housing for All’ by 2022, when the Nation completes 75 years of its Independence. Data indicates that less than 50% of the Houses sanctioned under PMAY (Urban) were constructed by the end of 2020-21. In the case of PMAY (Gramin), the completion rate is more than 80%. The Pradhan Mantri Awas Yojana, abbreviated as PMAY, is an initiative of the Union Government under which affordable housing is to be provided to all the eligible beneficiaries in the country by providing subsidies and financial assistance, under the ‘Housing for All’ Mission. The original target was to construct 2 Crore houses with basic amenities. The scheme has two components. In this story, we look at the progress in both these flagship schemes as the targets have been set to be achieved by next year (2022). We look at the overall and state-wise progress in the completion of construction of households and the allocation and release of central assistance for both these schemes. 40% of sanctioned houses were completed under PMAY-Urban by 2020-21 According to a parliament response in Lok Sabha from July 2021, the construction of a total of 45.7 lakh houses was complete under PMAY-U in the five-year period from 2016-17 to 2020-21 while over 1.12 crore houses were sanctioned for construction. Overall, about 40% of the sanctioned houses were completed under PMAY-U. On the other hand, during the same period, construction of a total of 1.38 crore houses was complete under PMAY-G while over 1.99 crore houses were sanctioned. Over 69% of the sanctioned houses were complete under PMAY-G by the end of 2020-21. 11 states accounted for 86% of houses complete under PMAY-U Of the 45.7 lakh houses constructed under PMAY-U, 7.84 lakh houses were completed in Uttar Pradesh and 5.53 lakh houses in Gujarat. Along with Maharashtra (4.36 lakh), Madhya Pradesh (4.29 lakh), and Andhra Pradesh (4.21 lakh), where more than 4 lakh houses each were constructed, the five states together accounted for more than 57% of the houses constructed under PMAY-U by the end of 2020-21. In all, 11 states where more than 1 lakh houses each were constructed, together accounted for 86% of the houses constructed under PMAY-U by the end of 2020-21. Six states alone accounted for nearly 75% of the houses constructed under PMAY-G Under PMAY-G, 22.9 lakh houses were constructed in West Bengal alone by the end of 2020-21. This accounts for 16.6% of the national total of 138 lakh houses constructed under PMAY-G by the end of 2020-21. More than 10 lakh houses each were constructed under the scheme in the states of Bihar (19.2 lakh), Madhya Pradesh (18.4 lakh), Odisha (15.9 lakh), Uttar Pradesh (14.5 lakh), and Rajasthan (11.3 lakh) which together, along with West Bengal, accounted for 74% of the houses constructed under PMAY-G till 2020-21. No house has been sanctioned in Telangana under PMAY-G since the state government is implementing a 2BHK housing scheme on its own. The percentage of completed houses in urban areas was the highest in Telangana among large states Delhi had completed construction of over 36,462 houses in the five years between 2016-17 and 2020-21 while sanction was given to more than 25,000 houses. Thus, the completion rate is more than 100%. Among other states, Goa had completed construction of 97.7% of the houses sanctioned during the period while Telangana reported the highest completion among the larger states with more than 85% of the sanctioned houses completed, followed by Kerala with 73.6%, and Gujarat with 67.1%. On the other hand, the completion was the lowest in Manipur with less than 9% of the sanctioned houses completed. Andhra Pradesh had the least completion rate of 20.7% among large states. Completion under PMAY-G was lowest in Karnataka among larger states Under PMAY-G, the completion rate was close to 99% in Sikkim, followed by Haryana (97%), and Tripura with 94%. However, the completion was relatively lower in the remaining northeastern states. Among large states, the completion was lowest in Karnataka with 50%. Only 56% of funds sanctioned under PMAY-U and 84% under PMAY-G were released in five years Under PMAY-U, the Centre had sanctioned almost Rs. 1.65 lakh crores for the implementation of the scheme to the states/UTs in the five years between 2016-17 and 2020-21. However, of this, only about Rs. 92,574 crores were released during this period, amounting to 56% of the total amount sanctioned by 2020-21. Further, only 45% of the total sanctioned central assistance was utilized for PMAY-U by the end of 2020-21. Likewise, the central assistance sanctioned under PMAY-G was also close to Rs.1.65 lakh crores of which only Rs. 1.37 lakh crores were released.