Pradhan Mantri Awas Yojana - Urban 2.0

Housing for urban EWS, LIG and MIG families with no pucca house: ₹2.5 lakh help to build or buy (EWS) or up to ₹1.80 lakh home-loan interest subsidy.

Ministry of Housing and Urban Affairs

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💰 Benefit: ₹2.5 lakh per house for EWS under BLC/AHP (Centre ₹1.5 lakh + State ≥₹1 lakh in most states); up to ₹1.80 lakh home-loan interest subsidy (ISS) for EWS/LIG/MIG; affordable rental housing (ARH)

Who Can Apply

  • Income: Up to ₹9 lakh/year (EWS up to ₹3 lakh; LIG ₹3-6 lakh; MIG ₹6-9 lakh)
  • Category: All
  • State: Central

Eligibility Criteria

  • •Family (husband, wife, unmarried children) living in an urban area
  • •No pucca house in the name of any family member anywhere in India
  • •Annual income up to ₹3 lakh (EWS) for BLC/AHP; up to ₹9 lakh (LIG/MIG) for the interest subsidy
  • •Not allotted a house under any Central/State/local government housing scheme in the last 20 years
  • •For BLC: own land (or land patta from the State) to build a new 30-45 sqm house

Documents You Need

  • ☐Aadhaar of applicant and all family members
  • ☐Income self-certificate/affidavit or income certificate
  • ☐Undertaking of not owning a pucca house
  • ☐Aadhaar-linked bank account details
  • ☐Land ownership proof (for BLC)
📋 Download Checklist📧 Email Me This Checklist

How to Apply for PMAY Urban 2.0

  1. 1Check eligibility: urban family, no pucca house anywhere in India, income up to ₹3 lakh (BLC/AHP) or ₹9 lakh (home-loan subsidy).
  2. 2Go to pmaymis.gov.in and click 'Apply for PMAY-U 2.0', then answer the eligibility check questions.
  3. 3Fill in the application with Aadhaar details of all family members, income, bank account and the vertical you want (BLC, AHP or ISS).
  4. 4For BLC, upload or submit your land ownership proof. You can also apply at your Urban Local Body (municipal office).
  5. 5The ULB verifies your details and house condition; approved BLC cases get money by DBT in three instalments (40:40:20) as geo-tagged construction progresses.
  6. 6For ISS, your application goes to your chosen lender; the subsidy is credited to your loan account in 5 yearly instalments.
  7. 7Track your status under 'Track Application Status' on the same portal.
🌐 Apply on Official Website →
⚠️

Always verify eligibility on the official website before applying. Scheme rules may change. Facts last checked against the official source on 15 October 2026.

Frequently Asked Questions

What is the income limit for PMAY Urban 2.0?+

Up to ₹9 lakh a year: EWS up to ₹3 lakh, LIG ₹3-6 lakh and MIG ₹6-9 lakh. Cash help to build or buy (BLC/AHP) is only for EWS; LIG and MIG get the home-loan interest subsidy.

How much money do I get under PMAY-U 2.0?+

EWS families get ₹2.5 lakh per house in most states (₹1.5 lakh from the Centre and at least ₹1 lakh from the State). Under the interest subsidy, you can get up to ₹1.80 lakh on a home loan.

Is there an age limit?+

The scheme guidelines set no age limit. Eligibility depends on family income, not owning a pucca house, and not having received a government house in the last 20 years.

Which documents are required?+

Aadhaar of all family members, income proof (a self-certificate or affidavit is accepted for the interest subsidy), an Aadhaar-linked bank account and, for BLC, land ownership papers.

How do I apply for PMAY Urban 2.0?+

Apply online at pmaymis.gov.in using 'Apply for PMAY-U 2.0', or through your municipal office. The ULB verifies your application before sanction.

What size house can I build?+

Under BLC the new house must be 30 to 45 sqm carpet area, with at least two rooms, a kitchen and a toilet/bathroom. Extending an existing house is not allowed under 2.0.

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