Pradhan Mantri Awas Yojana - Urban 2.0

Who can apply for PMAY-U 2.0

• Urban families (husband, wife, unmarried children) that do not own a pucca house anywhere in India in any member's name.
• EWS: annual household income up to ₹3 lakh. LIG: ₹3-6 lakh. MIG: ₹6-9 lakh.
• An adult earning member without a pucca house can be treated as a separate household.
• Own-land construction (BLC) and partnership housing (AHP) are for EWS families; interest subsidy (ISS) covers EWS, LIG and MIG.
• A family can take benefit under only one of the four parts of the scheme.

PMAY-U 2.0 benefits

• Beneficiary-Led Construction: up to ₹2.5 lakh for an EWS family to build a pucca house of up to 45 sq m on its own land.
• Affordable Housing in Partnership: up to ₹2.5 lakh from the central and state governments towards buying a 30-45 sq m house built by a public or private agency.
• Interest Subsidy Scheme: up to ₹1.80 lakh interest subsidy on home loans sanctioned and disbursed on or after 1 September 2024.
• Affordable Rental Housing: low-cost rental homes for EWS/LIG migrants, industrial and construction workers, working women, street vendors and others.
• Houses are owned or co-owned by a woman of the household.

How to apply for PMAY-U 2.0

1. 1Check eligibility and apply on the PMAY-U 2.0 Unified Web Portal.
2. 2Your application is processed and tracked through your Urban Local Body and state agency.
3. 3For own-land construction, the house is geo-tagged at each stage and funds are released as it progresses.

Where it applies

Every state and union territory. See what else applies near you