Tools To India
HousingCentrally sponsored schemeLaunched September 2024 (PMAY-U 2.0)

Pradhan Mantri Awas Yojana — Urban 2.0

A housing scheme helping urban poor and middle-class families construct, purchase or rent an affordable home, with government assistance of up to ₹2.50 lakh per unit.

Administered by Ministry of Housing and Urban Affairs.

Last updated

Official source last verified 9 August 2026

At a glance

Assistance
Up to ₹2.50 lakh per unit
Interest subsidy
Up to ₹1.80 lakh under the interest subsidy vertical
Target
1 crore urban families over five years
Period
Five years from September 2024
Who runs it
Ministry of Housing and Urban Affairs, through States and UTs

Who this scheme is for

  • Economically Weaker Section, Low Income Group and Middle Income Group families in urban areas who do not own a pucca house anywhere in India.
  • Families in slums and chawls, and workers in the urban informal economy.

Benefits

  • Government assistance of up to ₹2.50 lakh per unit to construct, purchase or rent an affordable home.
  • An interest subsidy of up to ₹1.80 lakh for eligible families taking a housing loan, under the interest subsidy vertical.
  • Four delivery routes: beneficiary-led construction, affordable housing in partnership, affordable rental housing, and the interest subsidy scheme. States choose which to operate.
  • Priority for widows, single women, persons with disabilities, senior citizens, transgender persons, Scheduled Castes, Scheduled Tribes, minorities and other vulnerable groups.
  • Specific focus on safai karamcharis, street vendors registered under PM SVANidhi, artisans under PM Vishwakarma, Anganwadi workers, building and construction workers, and residents of slums and chawls.

Eligibility

  • The family must not own a pucca house anywhere in India, in the name of any family member.
  • The family must fall within the Economically Weaker Section, Low Income Group or Middle Income Group as defined for the scheme.
  • The applicant must not have received central assistance under any other housing scheme.
  • Income limits for each category are notified under the scheme guidelines and are applied by the State or Union Territory implementing agency.
  • The property must be in an area covered by the urban component of the scheme. Rural applicants apply under PMAY-Gramin instead.

Documents required

  • Aadhaar of all family members
  • Income certificate or proof of income as required for the relevant category
  • Proof of identity and address
  • Bank account details with IFSC, linked to Aadhaar
  • Property or land documents, where applying under beneficiary-led construction
  • A declaration that no family member owns a pucca house anywhere in India
  • Caste or category certificate, where claiming priority under a reserved category

How to apply

  1. Open the official PMAY-Urban portal at pmaymis.gov.in and select the PMAY-U 2.0 section.
  2. Read the eligibility conditions and confirm which of the four verticals your State is operating.
  3. Complete the Aadhaar-based eligibility check on the portal.
  4. Fill in the application with your personal, income, family and bank details exactly as they appear on your documents.
  5. Upload the supporting documents in the formats the portal specifies.
  6. Submit and save the application number. Use it to track progress.
  7. Applications can also be made through a Common Service Centre or the office of your Urban Local Body, which is the implementing authority in most States.
PMAY-Urban official portal — pmaymis.gov.inThe official portal for this scheme.https://pmaymis.gov.in/(opens the official website in a new tab)PMAY-U 2.0 application on the official portalApply directly on the official portal.https://pmaymis.gov.in/PMAYMIS2_2024/PmayDefault.aspx(opens the official website in a new tab)

How to check your status

  1. Return to pmaymis.gov.in and use the assessment or beneficiary tracking option.
  2. Search using your assessment or application number, or by name and other details where the portal permits.
  3. The status shown reflects the stage the Urban Local Body and State have processed it to. Sanctioning happens through State-level committees, so approval is not instantaneous.
  4. For queries on a specific application, the Urban Local Body that received it is the correct point of contact.

The four verticals, and why it matters which one applies

PMAY-U 2.0 is not a single benefit. It operates through four distinct routes, and what you receive — and what you have to do — depends entirely on which one your State is running and which one you qualify under.

  • Beneficiary-led construction: assistance to build a house on land you already own. Requires clear title to the land.
  • Affordable housing in partnership: houses built by public or private developers, sold to eligible beneficiaries at a controlled price.
  • Affordable rental housing: rental accommodation for urban migrants and the working poor, rather than ownership.
  • Interest subsidy scheme: a subsidy on the interest of a housing loan, credited to the loan account, reducing the outstanding principal.

Urban or rural — apply under the right scheme

PMAY has separate urban and rural components with different eligibility rules, different assistance amounts and different application portals. PMAY-Urban is administered by the Ministry of Housing and Urban Affairs; PMAY-Gramin is administered by the Ministry of Rural Development.

Applying under the wrong component is a common reason applications are rejected. If you live in an area classified as rural, your application belongs under PMAY-Gramin through your Gram Panchayat, not on the urban portal.

Frequently asked questions

How much assistance does PMAY-U 2.0 provide?
Government assistance is up to ₹2.50 lakh per unit. Under the interest subsidy vertical, eligible families taking a housing loan can receive an interest subsidy of up to ₹1.80 lakh. The exact amount depends on the vertical, your income category and your State’s implementation.
Who is eligible for PMAY-Urban?
Economically Weaker Section, Low Income Group and Middle Income Group families in urban areas who do not own a pucca house anywhere in India and have not previously received central housing assistance. Income limits for each category are set out in the scheme guidelines and applied by your State implementing agency.
Can I apply if I already own a house?
No. The scheme requires that no member of the family owns a pucca house anywhere in India. This is verified against records, and a false declaration can result in the assistance being recovered.
What is the difference between PMAY-Urban and PMAY-Gramin?
They are separate components for urban and rural areas, run by different ministries with different rules, assistance amounts and portals. Urban applications go through pmaymis.gov.in and your Urban Local Body; rural applications go through the PMAY-Gramin process and your Gram Panchayat.
How long does approval take?
There is no fixed timeline. Applications are verified by the Urban Local Body, then sanctioned through State-level and central committees that meet periodically. Track the status on the portal and follow up with the Urban Local Body that received your application.
Is there a fee to apply?
There is no fee payable to the scheme. Common Service Centres may charge a small government-notified assistance fee. Nobody can guarantee approval in exchange for payment — approval is decided by the sanctioning committees.

Official sources

Every figure on this page is traceable to the official source below. If a source has changed since the date shown, please tell us and we will correct it.