Pradhan Mantri Awas Yojana – Urban (PMAY-U 2.0)
This profile has been independently compiled from official gazette notifications and verified web domains. Source Authority Link: pmay-urban.gov.in Authority: Ministry of Housing and Urban Affairs • State/Region: Central Scheme (All India) • Last Audited: 10 Sep 2026
Quick AI Summary
National housing mission providing financial assistance to construct or acquire pucca houses for urban families belonging to EWS, LIG and MIG categories.
Detailed Summary
Overview
Pradhan Mantri Awas Yojana – Urban (PMAY-U) 2.0 is a central sector scheme aimed at providing pucca houses to eligible urban households through financial assistance.
Components
- Credit Linked Subsidy Scheme (CLSS) – interest subsidy on home loans for EWS, LIG and MIG categories.
- Affordable Housing in Partnership (AHP) – construction of houses via public‑private partnership.
- Beneficiary Led Construction (BLC) – direct grant for self‑construction or enhancement.
Financial Assistance
ELIGIBLE beneficiaries receive an interest subsidy up to ₹2.35 lakh (depending on income slab) and a one‑time grant of ₹1.5 lakh for BLC/AHP houses. Houses must be registered in the name of the female head of household or jointly.
Key Benefits & Financial Assistance
| Comparison Criteria | Benefits |
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Eligibility Criteria Profile
| Comparison Criteria | Eligibility |
|---|---|
| Minimum Age Limit | 18 Years or above |
| Gender Eligibility | Female |
| Maximum Family Income | ₹1,200,000 per annum or below |
| Occupation Status | Salaried, Self-Employed, Homemaker |
| Caste Category | GENERAL, OBC, SC, ST, EBC |
| Domicile State | All India (Central Scheme) |
Application Process Guide
- Visit the official PMAY‑U portal (https://pmay-urban.gov.in) or approach the nearest Urban Local Body (ULB) office.
- Fill in the online application form with personal, income and property details.
- Upload required documents such as Aadhaar, income certificate, bank passbook and residence proof.
- Submit the application and note the application number for tracking.
- Await verification by the ULB; upon approval, the subsidy/grant is disbursed directly to the lending institution or beneficiary account.
Common FAQs regarding this Yojana
Urban families belonging to Economically Weaker Section (EWS) with annual income up to ₹3 lakh, Low Income Group (LIG) up to ₹6 lakh, or Middle Income Group (MIG) up to ₹12 lakh are eligible. The applicant must not own a pucca house anywhere in India and must include at least one adult female member as owner or co‑owner.
Under CLSS, eligible beneficiaries receive an interest subsidy on home loans. The subsidy amount varies by income slab: up to ₹2.35 lakh for EWS, up to ₹2.30 lakh for LIG, and up to ₹2.30 lakh for MIG I/II, calculated on a loan amount up to ₹6 lakh, ₹9 lakh and ₹12 lakh respectively.
No. The scheme is strictly for families that do not own a pucca house anywhere in India, either individually or jointly. Ownership of a kutcha house or land does not disqualify an applicant.
Yes. Applications can be submitted either online through the PMAY‑U portal or offline at the concerned Urban Local Body (ULB) office or municipal corporation.
After verification and approval by the ULB, the interest subsidy is credited upfront to the loan account, and the BLC/AHP grant is transferred to the beneficiary’s bank account within 30‑45 days.