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

केंद्रीय योजना (अखिल भारतीय) आवास आवेदन मोड: MIXED सक्रिय
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सत्यापित योजना डेटा प्रोफ़ाइल

यह प्रोफ़ाइल स्वतंत्र रूप से आधिकारिक राजपत्र अधिसूचनाओं और सत्यापित वेब डोमेन से संकलित की गई है। स्रोत प्राधिकरण लिंक: pmay-urban.gov.in प्राधिकरण: Ministry of Housing and Urban Affairs • राज्य/क्षेत्र: Central Scheme (All India) • अंतिम बार ऑडिट किया गया: 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.

विस्तृत सारांश

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.

प्रमुख लाभ और वित्तीय सहायता

तुलना मानदंड लाभ
प्रमुख लाभ
  • 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.

पात्रता मानदंड प्रोफ़ाइल

तुलना मानदंड पात्रता
Minimum Age Limit 18 Years or above
Physical Disability Not Restricted (Anyone can apply)
Domicile State All India (Central Scheme)

आवेदन प्रक्रिया मार्गदर्शिका

  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.

इस योजना के बारे में अक्सर पूछे जाने वाले प्रश्न

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.