Strengthen RERA and facilitate middle-income home ownership

The promise was to strengthen RERA and help middle-income home ownership through affordability, approvals and mixed-use housing reforms. RERA is being strengthened institutionally through the Unified RERA Portal and Central Advisory Council recommendations; official data reported 35 state and UT authorities, 151,113 projects, 106,545 agents and 147,383 complaints disposed by September 2025. PMAY-U 2.0 provides mapped support for urban poor and middle-class families, including an Interest Subsidy Scheme vertical for EWS, LIG and MIG households with income up to Rs 9 lakh and a maximum interest subsidy of Rs 1.80 lakh. By March 2026, MoHUA said 13.67 lakh houses had been sanctioned under PMAY-U 2.0, against the broader one crore objective. The record supports meaningful delivery on RERA institutional strengthening and middle-income housing support, but not full delivery of the promised cost-reduction, automatic approval and registration reforms across states. Budget: direct PMAY-U 2.0 and ISS budget support exists through central assistance and scheme sanctions, including state-wise releases, but a separate nationwide budget line for RERA strengthening or automatic standard-design approvals was not found.