West Bengal has sanctioned 99.99% of its PMAY-G rural-housing target since FY2021-22 — and completed 12% of it. Nationally, the completion rate over the same window is 56.6%. The gap isn't a construction problem: Parliament's own answer says the Centre withheld West Bengal's funds over irregularity complaints starting FY2022-23, and the state's own corrective report is still "under examination" four years later.
West Bengal Sanctioned 12.6 Lakh PMAY-G Houses. It Has Finished 1.5 Lakh. The Reason Is a Four-Year Funds Freeze.
The scheme, and where it stands nationally
Pradhan Mantri Awaas Yojana — Gramin (PMAY-G), run by the Ministry of Rural Development since 1 April 2016, funds pucca houses for eligible rural households: ₹1.20 lakh in plain areas, ₹1.30 lakh in the North-East and hill states. Phase 2 extends the scheme's ultimate target to 4.95 crore houses by 31 March 2029; as of a Lok Sabha answer posted 11 August 2026, 4.18 crore of that target has actually been allocated to States/UTs so far. Against that allocated target, a Rajya Sabha answer posted 7 August 2026 (figures as on 3 August 2026) put the national count at 3.91 crore houses sanctioned and 3.12 crore completed — a 74.6% completion rate against allocated target, with 79 lakh sanctioned houses still under construction.
Money moves at a similar clip. Over the five financial years FY2021-22 to FY2025-26, the Centre released ₹1,31,100.02 crore in central share to States/UTs; total scheme expenditure, including state share, came to ₹2,17,896.40 crore over the same window.
The state-by-state picture
| State/UT | Target allocated | Sanctioned | Completed | Balance vs. target |
|---|---|---|---|---|
| Assam | 29,62,945 | 29,09,060 | 22,94,143 | 6,68,802 |
| Bihar | 50,12,752 | 49,09,826 | 41,94,392 | 8,18,360 |
| Chhattisgarh | 26,42,224 | 24,51,591 | 20,28,201 | 6,14,023 |
| Gujarat | 8,39,116 | 8,29,442 | 7,19,165 | 1,19,951 |
| Haryana | 1,06,460 | 76,472 | 41,269 | 65,191 |
| Himachal Pradesh | 1,08,389 | 1,03,082 | 69,358 | 39,031 |
| Jammu & Kashmir | 3,41,644 | 3,35,360 | 3,26,710 | 14,934 |
| Jharkhand | 20,12,107 | 19,37,948 | 16,41,493 | 3,70,614 |
| Kerala | 1,13,404 | 86,014 | 40,789 | 72,615 |
| Madhya Pradesh | 57,74,572 | 54,16,056 | 43,57,001 | 14,17,571 |
| Maharashtra | 43,80,522 | 41,39,196 | 20,32,712 | 23,47,810 |
| Odisha | 28,28,739 | 28,06,697 | 25,48,674 | 2,80,065 |
| Rajasthan | 24,93,546 | 24,32,017 | 20,31,138 | 4,62,408 |
| Tamil Nadu | 9,57,825 | 7,34,017 | 6,72,338 | 2,85,487 |
| Uttar Pradesh | 42,77,493 | 36,55,817 | 36,42,983 | 6,34,510 |
| West Bengal | 46,69,423 | 45,69,031 | 34,20,433 | 12,48,990 |
| Andhra Pradesh | 3,21,326 | 2,46,929 | 87,741 | 2,33,585 |
| Karnataka | 9,44,140 | 5,69,765 | 1,72,585 | 7,71,555 |
| All-India total | 4,17,83,175 | 3,91,81,268 | 3,11,47,853 | 1,06,35,322 |
Since-inception figures, as on 31 July 2026. Source: Rajya Sabha, "Progress of Pradhan Mantri Awas Yojana-Gramin (PMAY-G)," answered 31 July 2026, Annexure I. Table shows the 18 largest-target states; smaller states/UTs and the full 35-row breakdown are in the source answer. "Balance vs. target" is allocated target minus completed — it includes both sanctioned-but-incomplete houses and houses not yet sanctioned at all, a different (larger) number than "sanctioned minus completed."
By this since-inception measure, West Bengal looks unremarkable: 97.8% of its target sanctioned, 73.3% completed — close to the national average of 74.6%. That picture changes completely once the window narrows to the years that actually matter for understanding what's happening right now.
The same state, a five-year window, a different story
A separate table in the same 11 August 2026 Lok Sabha answer — "Revised Target for Construction of Houses Under PMAY-G" — breaks the same metrics down for FY2021-22 through FY2025-26 only, alongside state-wise central-fund release and utilisation for the identical five years.
| State | Target (FY22–26) | Sanctioned | Completed | Completion rate | Central share released (₹cr) |
|---|---|---|---|---|---|
| All-India | 2,13,48,133 | 1,95,51,954 | 1,20,92,885 | 56.6% | 1,31,100.02 |
| Bihar | 23,13,218 | 22,10,782 | 15,35,021 | 66.3% | 15,446.89 |
| Assam | 22,14,448 | 21,60,530 | 15,77,624 | 71.2% | 24,232.39 |
| Madhya Pradesh | 31,24,124 | 27,68,948 | 17,72,923 | 56.8% | 17,935.52 |
| West Bengal | 12,61,003 | 12,60,941 | 1,52,014 | 12.1% | 687.84 |
Source: Lok Sabha, "Revised Target for Construction of Houses Under PMAY-G," answered 11 August 2026, Annexures I & II.
The source answer states the reason directly. Following complaints of irregularities in PMAY-G implementation in West Bengal — raised after targets were allocated from the finalised Awaas+ 2018 survey lists in November 2022, and verified through National Level Monitoring teams and Senior Officers Teams — the Ministry withheld release of the Central share of funds from FY2022-23 onward. The State's Action Taken Report is, per the same answer, "currently under examination" — nearly four years after the freeze began, with no resolution date given.
Odisha shows the freeze isn't permanent
The same answer describes a parallel case that resolved differently. Odisha also had Central assistance withheld after inquiries by the State Government and Central Teams found deficiencies in beneficiary selection, construction quality, inspections and PMAY-G branding compliance. The State Government was directed to take corrective and disciplinary action; its first Action Taken Report was found unsatisfactory, so the freeze continued — but a subsequent, satisfactory ATR led the Ministry to resume fund releases. Odisha's own since-inception numbers (28.29 lakh target, 90.1% completed) run above the national average, consistent with a freeze that was real but temporary rather than crippling. West Bengal's case, by the same government answer, has not yet reached that resolution.
What functioning delivery looked like this month
Elsewhere in August 2026, the scheme's ordinary machinery kept moving. On 20 August, the Rural Development Minister handed Bihar's Chief Minister a sanction letter for 11,18,937 new pucca houses worth ₹13,427 crore — on top of 24,30,327 houses already approved for the state over the preceding two years, at a reported total expenditure of ₹29,164 crore. On 17 August, Rajasthan received a sanction for 2,89,355 houses worth ₹3,473 crore, alongside three eligibility-rule changes: two-wheeler ownership no longer disqualifies a household, the income ceiling for women beneficiaries rose from ₹10,000 to ₹15,000 a month, and small farmers owning up to 5 acres of unirrigated (or 2.5 acres of irrigated) land became eligible. Neither announcement mentions West Bengal.
PMAY-U: a national milestone, no equivalent state table found
Pradhan Mantri Awas Yojana — Urban (PMAY-U), the urban counterpart run by the Ministry of Housing and Urban Affairs since June 2015, crossed a headline milestone in early August 2026: over 1.25 crore houses sanctioned under PMAY-U and PMAY-U 2.0 combined, of which more than 1 crore have been completed and delivered — a Ministry release posted 9 August 2026, covering the 8th Central Sanctioning and Monitoring Committee meeting held 6 August 2026, states 1 crore of the total sanctioned houses have been allotted to women, in the name of the female head of household or in joint ownership. PMAY-U 2.0 specifically has crossed 18.38 lakh houses sanctioned since its own launch, split across four verticals: Beneficiary-Led Construction (14.40 lakh), Affordable Housing in Partnership (2.48 lakh), Interest Subsidy Scheme (1.36 lakh) and Affordable Rental Housing (13,046). This piece did not find a state-wise sanctioned/completed/balance table for PMAY-U comparable to PMAY-G's Annexures — the same gap this blog's AMRUT coverage flagged for that programme's public reporting — so no West-Bengal-style state comparison is possible for the urban scheme with the sources checked here.
Sources and caveats
PMAY-G figures are drawn from three Ministry of Rural Development answers published via the Press Information Bureau (pib.gov.in): "Progress of Pradhan Mantri Awas Yojana-Gramin (PMAY-G)," Rajya Sabha, answered 31 July 2026 (since-inception state-wise Annexure I); "Progress of Pradhan Mantri Awaas Yojana — Gramin (PMAY-G)," Rajya Sabha, answered 7 August 2026 (national totals as on 3 August 2026); and "Revised Target for Construction of Houses Under PMAY-G," Lok Sabha, answered 11 August 2026 (five-year state-wise sanctioned/completed table, Annexure I, and five-year central-fund-release/utilisation table, Annexure II). The Bihar and Rajasthan sanction figures are drawn from Ministry of Rural Development press notes on the Minister's state-level events, posted 20 August 2026 and 17 August 2026 respectively — these are announcement releases, not written parliamentary answers, and carry the ministry's own framing language alongside the hard figures reported here. The PMAY-U milestone figures are drawn from a Ministry of Housing and Urban Affairs press release on the 8th CSMC meeting, posted 9 August 2026. All are primary government sources, graded strong; none of the figures in this piece were independently re-derived or cross-checked against a non-government source. This article does not recommend any investment, business, or policy decision; nothing here is investment or policy advice.
About this article: Researched, written and edited by Umashankar Triplicane Dwarakanathan, with AI research assistance; every figure is meant to trace to the primary source cited. See the Editorial Policy for how sourcing, AI use and corrections work.
