The Pradhan Mantri Gramin Awaas Yojana is a flagship program of the Central Government in its mission to provide affordable housing for all. It is addressed to the rural poor under which it will provide pucca houses with all the basic facilities including a hygienic kitchen to those living in kutcha houses. The total costs incurred when providing housing benefits to the rural poor are distributed between the Central and State Governments. Currently, the ratio is set at 60:40, of which the last figure is each respective state’s contribution. For all non-hilly states, the total contribution will be Rs 1.20 Lakh. In hilly states, especially the Northern States, contribution levels have a ratio of 90:10, of which the Central Government provides 90% of the funding. The Union Territory of Jammu and Kashmir also accords to the same provisions. For these states, the total sum which will be made available is Rs 1.30 Lakh. This sum will be used to construct permanent housing. Jammu and Kashmir has achieved significant progress under the Pradhan Mantri Awaas Yojana-Gramin (PMAY-G), recording an 85% completion rate. Officials expressed confidence during a review meeting that the remaining targets would be met by the end of March 2025, even as snowfall and other adverse conditions impact construction efforts in higher altitudes. It is hoped that the targets are met in time. A structured approach has been implemented to maintain the pace of progress, including regular assessments and close monitoring. Emphasis has been placed on efficient fund utilization and meticulous planning to ensure all eligible families receive their homes within the stipulated timeline. Several districts have shown exceptional performance, achieving completion rates above 90%. Others have been encouraged to address challenges and improve their progress to meet the overall objectives of the scheme. Since the scheme’s launch in 2016, over 3.35 lakh houses have been sanctioned in the region, with 2.85 lakh already completed. This year alone, more than 67,000 houses have been finished, with an additional 82,000 expected to be completed by March. Officials have been tasked with conducting weekly reviews, expediting fund transfer orders, and ensuring the completion of under-construction houses. Special attention has been directed toward resolving pending cases related to fund disbursement, with clear instructions for close tracking and follow-ups. Unresolved recovery cases have also been highlighted as a priority area, with directives issued to compile detailed reports and ensure timely action. The focus remains on proactive management and enhanced oversight, particularly at the grassroots level, to address delays and streamline the process. Although significant progress has been made, the implementation of PMAY-G in the region continues to face several challenges. A key issue is the timely completion of houses, which is often hindered by harsh weather conditions, particularly in high-altitude areas, and logistical challenges in delivering construction materials to remote locations. Additionally, ensuring the accurate identification of genuine beneficiaries remains a critical concern to guarantee that support reaches those who need it most.