Impact Analysis of Pradhan Mantri Awas Yojana (Urban) in Chhattisgarh: A Division-Wise Performance Evaluation

Abstract

The Pradhan Mantri Awas Yojana–Urban (PMAY-U) is a national housing initiative aimed at providing affordable and permanent housing to eligible urban households. In Chhattisgarh, the scheme has been implemented across multiple administrative divisions, each showing varying levels of progress in terms of houses sanctioned and constructed. This study presents a division-wise performance evaluation of PMAY-U in the state, focusing on implementation efficiency, construction progress, and patterns of fund disbursement. A custom-developed web-based data analysis portal was utilized to organize beneficiary records, visualize work progress, and identify administrative challenges. The analysis reveals that while Chhattisgarh has progressed significantly in achieving the PMAY-U objectives, the completion rate across all divisions is not uniform. Certain divisions, particularly those with better municipal coordination and faster approval processes, have achieved higher completion levels, whereas others continue to face delays. State-level results indicate that although the state appears to follow a positive trajectory, targeted interventions are required to address delays and ensure the timely completion of remaining units. This study highlights the importance of structured data monitoring and transparent reporting systems to strengthen implementation and support informed decision-making for future urban housing development.