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Govt Schemes & Citizen Services

Central SchemeAll IndiaHousing & Urban Development
Last Updated: 10 Oct 2026 Official Source

Pradhan Mantri Awas Yojana - Urban (PMAY-U 2.0)

PMAY-Urban 2.0: home loan interest subsidy up to ₹1.80 Lakh and ₹2.5 Lakh construction assistance for urban EWS, LIG and MIG families.

Ministry: Ministry of Housing and Urban Affairs (Housing for All Mission Directorate)
Verified Government GatewayDomain: pmaymis.gov.in

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Scheme Overview

Pradhan Mantri Awas Yojana - Urban is an initiative by the Ministry of Housing and Urban Affairs (MoHUA) to provide all-weather pucca houses to eligible families in urban areas. PMAY-U 2.0 (approved in August 2024) runs through four verticals: Beneficiary-Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH), and the Interest Subsidy Scheme (ISS), which gives a 4% interest subsidy on home loans, up to ₹1.80 Lakh, for loans sanctioned on or after 1 September 2024.

Target Beneficiaries

Economically Weaker Section (EWS), Low Income Group (LIG), and Middle Income Group (MIG)

Assistance / Benefit Type

Home Loan Interest Subsidy

Key Benefits & Financial Assistance

  • Interest Subsidy Scheme (ISS): 4% interest subsidy on the first ₹8 Lakh of a home loan up to ₹25 Lakh, maximum ₹1.80 Lakh, released in 5 yearly installments.
  • ISS applies to houses valued up to ₹35 Lakh with carpet area up to 120 sq m.
  • Encourages women empowerment with mandatory female co-ownership for EWS and LIG houses.
  • Central and State assistance of ₹2.5 Lakh per unit under the BLC and AHP verticals (BLC: construct on your own land).

Eligibility Criteria

Ensure you satisfy all the following government conditions before applying:

  • 1Beneficiary family must not own a pucca house in their name or in the name of any member anywhere in India.
  • 2EWS households: Annual family income up to ₹3,00,000.
  • 3LIG households: Annual family income between ₹3,00,001 and ₹6,00,000.
  • 4MIG households: Annual family income between ₹6,00,001 and ₹9,00,000 (eligible for ISS only).
  • 5The house must be registered with the female head of the family as sole or joint owner.

Documents Required Checklist

Keep clear digital scanned copies (PDF or JPG under 200 KB) ready:

Aadhaar Cards of all family members
Salary slips / Income Certificate / ITR returns
Proof of address (Voter ID, Utility bill)
Bank statement of the last 6 months
Property purchase agreement or land title deeds (for BLC)
Affidavit affirming that applicant does not own any pucca house in India

How to Apply (Official Process)

1

Visit PMAY Urban Portal

Access the official PMAY-U 2.0 portal at pmaymis.gov.in and select 'Apply for PMAY-U 2.0'.

2

Read Guidelines & Check Eligibility

Read the PMAY-U 2.0 guidelines, choose your vertical (BLC, AHP, ARH or ISS) and complete the eligibility check. For ISS you can also apply through your home loan bank.

3

Aadhaar Verification

Input your 12-digit Aadhaar number and applicant name as written on Aadhaar. Agree to consent and submit.

4

Fill Detailed Household Details

Enter personal information, family member details, current address, bank account details, and annual household income.

5

Submit and Print Application

Enter the captcha, check all declarations, and submit. Download and print the Assessment ID receipt for tracking on the portal.

Proceed to Official Registration Portal

Frequently Asked Questions about PMAY-Urban

Can I apply for PMAY interest subsidy if I already have an existing home loan?

The PMAY-U 2.0 Interest Subsidy Scheme applies only to home loans sanctioned and disbursed on or after 1 September 2024. Apply through your Primary Lending Institution (bank or housing finance company) or the PMAY-U 2.0 portal.

Is female ownership mandatory in PMAY-U?

Yes, for EWS and LIG houses, the house must be registered either in the name of the female head or jointly in the name of husband and wife, unless there is no adult female member.

Scheme Factsheet

Classification:

Central Government Scheme

Applicable Region:

All India

Target Category:

Housing & Urban Development

Maximum Benefit:

₹2.5 Lakh

Application Timeline:

PMAY-U 2.0 runs for five years (FY 2024-25 to FY 2028-29). ISS covers home loans sanctioned from 1 September 2024.

Verified Government Sources

Official Portal Website:https://pmay-urban.gov.in
Direct Application Link:https://pmaymis.gov.in
Official Helpline:

1800-11-3377 / 1800-11-3388 / 1800-11-6163

Official Email Support:

pmaymis-mhupa@gov.in

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Citizen Advisory

Never pay money to agents promising guaranteed approval for PMAY-Urban. Government welfare registrations are strictly handled through official channels.

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