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

Central Scheme (All India) Housing Application Mode: MIXED Active
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Verified Scheme Data Profile

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: 12 Sep 2026

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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
Key Benefits
  • Interest subsidy on home loans for EWS, LIG and MIG under the Credit Linked Subsidy Scheme (CLSS), with subsidy amount varying according to income slab.
  • One‑time financial assistance of ₹1.5 lakh for beneficiary‑led construction or enhancement of a pucca house.
  • Mandatory registration of the dwelling unit in the name of the female member of the family or in joint names to promote women’s ownership.

Eligibility Criteria Profile

Comparison Criteria Eligibility
Minimum Age Limit 18 Years or above
Physical Disability Not Restricted (Anyone can apply)
Domicile State All India (Central Scheme)

Application Process Guide

  1. Visit the official PMAY‑U portal (https://pmay-urban.gov.in) or approach the nearest Urban Local Body (ULB) office.
  2. Fill in the online application form with personal, income and property details.
  3. Upload required documents such as Aadhaar, income certificate, bank passbook and residence proof.
  4. Submit the application and note the application number for tracking.
  5. 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

Eligible permanent residents meeting the specified domicile, income, and category criteria can submit an application along with verified credentials.

Key mandatory documents include Aadhaar Card, Residence/Domicile Certificate, Income Certificate, and active Bank Account Passbook.

Benefits are directly credited to the beneficiary's Aadhaar-seeded bank account through the Public Financial Management System (PFMS) / DBT.

Applicants can track status in real-time by logging into the official portal using their Application Reference Number.