How Effective Is the Pradhan Mantri Awas Yojana for Affordable Housing in India Today?

Hey folks, I’ve been thinking about the Pradhan Mantri Awas Yojana (PMAY) since it’s been around for a while now. In 2025, is it helping people get affordable homes, especially in urban areas? Are there any updates or challenges you’ve noticed with this scheme? Share your insights! If anyone has applied earlier for the PM Awas Yojna, can share the step-by-step process below along with the requirements. Thanks