PMAY-U 2.0 (Pradhan Mantri Awas Yojana Urban 2.0): Eligibility, Income Limits, Subsidy, How to Apply and Check Status
Checked against official government sources. General information, not legal or financial advice.
Pradhan Mantri Awas Yojana Urban 2.0 (PMAY-U 2.0) is the central government’s housing scheme that helps 1 crore urban families build, buy or rent a pucca house between 2024 and 2029. Families with annual income up to ₹9 lakh who do not own a pucca house anywhere in India can apply free of cost on pmay-urban.gov.in. Depending on the option you pick, you can get up to ₹2.50 lakh to build or buy a house, or an interest subsidy of up to ₹1.80 lakh on a home loan.
- Approved: Union Cabinet, 9 August 2024; operational guidelines launched 17 September 2024
- Period: 5 years, 2024–2029; target of 1 crore urban houses
- Verticals: BLC, AHP, ARH and ISS (choose one)
- Income limits: EWS up to ₹3 lakh, LIG ₹3–6 lakh, MIG ₹6–9 lakh a year
- Assistance: ₹2.50 lakh per house (BLC, AHP); up to ₹1.80 lakh interest subsidy (ISS)
- Apply: pmay-urban.gov.in (Unified Web Portal), a Common Service Centre or your urban local body
- Progress: over 20 lakh houses sanctioned, as reported in October 2026
In this guide
What is PMAY-U 2.0?
PMAY-U 2.0 is the second phase of the Pradhan Mantri Awas Yojana – Urban, which began in 2015. The Ministry of Housing and Urban Affairs (MoHUA) runs it with states, union territories and banks. Government assistance of ₹2.30 lakh crore was approved for it.
The scheme covers statutory towns as per Census 2011, towns notified later by states, and notified planning, development or industrial areas. Rural families are covered by a separate scheme, PMAY Gramin.
The four verticals of PMAY-U 2.0
| Vertical | Who it is for | Benefit |
|---|---|---|
| Beneficiary Led Construction (BLC) | EWS families with their own vacant land | ₹2.50 lakh to build a new house, paid by DBT in three instalments (40:40:20) |
| Affordable Housing in Partnership (AHP) | Mainly EWS families buying a flat in a public or private project | ₹2.50 lakh per house; buyers in approved private projects get Redeemable Housing Vouchers |
| Affordable Rental Housing (ARH) | EWS/LIG migrants, working women, industrial workers, students and the homeless | Rental homes built or converted by public or private agencies |
| Interest Subsidy Scheme (ISS) | EWS, LIG and MIG families taking a home loan | 4% subsidy on the first ₹8 lakh of loan, up to ₹1.80 lakh |
The ₹2.50 lakh under BLC and AHP is shared between the Centre and the state. The central share is ₹2.25 lakh in North-Eastern and Himalayan states and UTs with legislatures (Delhi, J&K, Puducherry), and ₹1.50 lakh in other states, where the state must add at least ₹1 lakh.
⌂Looking for a property?See homes, plots and shops listed by owners and agents.BrowseInterest Subsidy Scheme (ISS): home loan subsidy
- Household income up to ₹9 lakh a year (EWS, LIG or MIG).
- Home loan up to ₹25 lakh, for a house worth up to ₹35 lakh.
- Carpet area up to 120 sq m.
- Loan sanctioned and disbursed on or after 1 September 2024.
- 4% subsidy on the first ₹8 lakh of the loan (tenure up to 12 years), up to ₹1.80 lakh, credited to the loan in five yearly instalments.
- The subsidy is not given for buying land alone, and it is given only once per property.
You must register your demand on the Unified Web Portal; applying only at the bank is not enough. The scheme FAQ says lending institutions will not charge a processing fee on loans up to the eligible amount. Compare loan offers in our home loan interest rates 2026 guide and plan the EMI with the EMI calculator.
Who is eligible for PMAY-U 2.0?
- The family (husband, wife and unmarried children) must not own a pucca house anywhere in India in any member’s name.
- Annual household income must fall within EWS, LIG or MIG limits.
- Families that took a house under any central, state or local government housing scheme in the last 20 years are not eligible.
- Only Indian citizens can apply; NRIs are not eligible.
- An earning adult member who does not own a pucca house can be treated as a separate household.
Priority goes to widows, single women, persons with disabilities, senior citizens, transgender persons, SC/ST families, minorities, street vendors, artisans, construction workers and slum dwellers.
The house should be in the name of the woman head of the family or jointly with her husband. Where there is no adult woman, it can be in a male member’s name.
How to apply for PMAY-U 2.0 online
- Go to pmay-urban.gov.in and click PMAY-U 2.0, which opens the Unified Web Portal on pmaymis.gov.in.
- Click Apply for PMAY-U 2.0 and read the guidelines.
- Answer the eligibility questions, including state, income and whether you own a pucca house.
- Enter your Aadhaar number and complete the OTP check.
- Fill in the form: personal and family details, address, income, bank account and the vertical you want.
- Upload the documents asked for and submit. Note the application number.
If you cannot apply online, visit a Common Service Centre or your municipal office. Applying is free.
Documents required
- Aadhaar of the applicant and family members
- Bank account linked to Aadhaar
- Income certificate or self-declaration in the set format
- Undertaking that the family does not own a pucca house
- For BLC: land ownership documents and proof of address
- For ISS: PAN, proof of address and income proof
A caste certificate is not mandatory for SC/ST applicants as per the scheme FAQ; your state or city may ask for extra papers.
How to check status and the applicant list
- Open the Unified Web Portal from pmay-urban.gov.in.
- Use Beneficiary Login to track your application, or open List of Applicant under the Ghar Tak Jankari menu.
- Check List of Rejected Applicant with Reason if your form was not accepted.
- ISS applicants can track registration, claim approval and subsidy release with their application ID or mobile number.
Grievances can be filed at pmay-urban.gov.in/pgrams; the portal also lists MoHUA helpline numbers.
Beware of PMAY frauds
- Apply only on pmay-urban.gov.in or pmaymis.gov.in. Other sites with “PMAY” in the name are not official.
- No one can promise a house or subsidy for a fee. Selection follows the rules and state approval.
- When buying a flat under AHP or ISS, check the project’s RERA registration and the builder’s papers first.
Before you book, read our guides on checking a RERA project, checking property documents, carpet area vs built-up area, stamp duty and registration charges and the home loan guide 2026.
Frequently asked questions
What is PMAY-U 2.0?
It is the second phase of Pradhan Mantri Awas Yojana – Urban, approved on 9 August 2024, to help 1 crore urban EWS, LIG and MIG families build, buy or rent a pucca house over five years.
What is the income limit for PMAY-U 2.0?
EWS up to ₹3 lakh, LIG ₹3–6 lakh and MIG ₹6–9 lakh of annual household income.
How much subsidy do I get under PMAY-U 2.0?
BLC and AHP give ₹2.50 lakh per house. ISS gives a 4% interest subsidy on the first ₹8 lakh of a home loan, up to ₹1.80 lakh, in five yearly instalments.
Can I get PMAY-U 2.0 if I already own a house?
No. No member of the family should own a pucca house anywhere in India, and families that took a government housing benefit in the last 20 years are excluded.
Is there a fee to apply for PMAY?
No. Applying on the official portal, at a CSC or at your urban local body is free. Anyone asking for money to get you a house is not part of the scheme.
Can I get the ISS subsidy on a loan taken in 2023?
No. Under PMAY-U 2.0, the loan must be sanctioned and disbursed on or after 1 September 2024.
How do I check my PMAY-U 2.0 application status?
Log in through Beneficiary Login on the Unified Web Portal, linked from pmay-urban.gov.in, or check the List of Applicant under the Ghar Tak Jankari menu.
Scheme rules, assistance amounts and income limits are set by the Ministry of Housing and Urban Affairs and can change; states may add their own conditions. Check the current rules on pmay-urban.gov.in before you apply or sign a loan. This guide is general information, not legal or financial advice. Sources: MoHUA PMAY-U 2.0 Unified Web Portal (pmaymis.gov.in), ISS page and FAQs; pmay-urban.gov.in; Union Cabinet approval of 9 August 2024 (PMIndia); PIB note on PMAY-U 2.0 (December 2024); All India Radio report on the 10th CSMC meeting (October 2026).
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