How to Apply for Affordable Housing Under the Pradhan Mantri Awas Yojana?

The Pradhan Mantri Awas Yojana – Urban 2.0 (PMAY-U 2.0) is more than just a housing scheme—it’s a promise to every eligible urban household dreaming of a secure and permanent home. As part of India’s “Housing for All” mission, PMAY-U 2.0 aims to bridge the housing gap with government-backed financial assistance and housing solutions tailored for the economically vulnerable.

Union Minister Manohar Lal Khattar emphasized a surge in urban investments since 2014, aligning with India’s grand vision of becoming a developed nation by 2047 (Viksit Bharat). One of the most notable upgrades in this version is the introduction of rental housing for migrants—making the scheme more inclusive and dynamic.

What is PMAY-U 2.0?

At its core, PMAY-U 2.0 is a centrally sponsored housing scheme run by the Ministry of Housing and Urban Affairs (MoHUA). It supports urban households through financial assistance across four distinct verticals:

Four Verticals Under PMAY-U 2.0

Key Features of PMAY-U 2.0

Here’s why this scheme stands out:

• Financial aid up to ₹2.5 lakh for construction or buying a home

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• New rental housing vertical introduced for migrants and laborers

• Interest subsidies on home loans based on income category

• Homes allocated based on demand projections and state-level data

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Who Can Apply? | Eligibility Criteria by Vertical

Let’s break it down according to the vertical:

1. Beneficiary Led Construction (BLC)

• Annual income must be up to ₹3 lakh

• Applicant must own a piece of land

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• Eligible for ₹2.5 lakh financial aid

2. Affordable Housing in Partnership (AHP)

• For Economically Weaker Section (EWS) applicants

• Income should not exceed ₹3 lakh annually

• Housing units constructed by private/public agencies

3. Affordable Rental Housing (ARH)

• For migrant workers, laborers, and the homeless

• Income limit:

  • EWS: up to ₹3 lakh

  • LIG: ₹3 to ₹6 lakh

• Provides short-term housing options

4. Interest Subsidy Scheme (ISS)

• Home loan must be sanctioned after September 1, 2024

• Income eligibility:

  • EWS: up to ₹3 lakh

  • LIG: up to ₹6 lakh

  • MIG: up to ₹9 lakh

• Subsidy applicable for home purchase or construction

Required Documents for PMAY-U 2.0

To ensure a smooth application, keep the following documents ready:

How to Apply for PMAY-U 2.0 Online?

Follow these simple steps to submit your application online:

1. Visit the official PMAY Urban Portal: pmay-urban.gov.in

2. Click on “Apply for PMAY-U 2.0”

3. Enter your details:

   • Aadhaar number

   • Income category (EWS, LIG, MIG)

   • Personal and contact information

4. Upload Required Documents

5. Submit the application

You can later track your application status on the same portal using your application ID.

FAQs

1. Can I apply for PMAY 2.0 if I already own a house?

No, PMAY-U 2.0 is only for applicants who do not own a pucca house anywhere in India.

2. Can self-employed individuals apply for PMAY-U 2.0?

Yes, self-employed individuals can apply, but they must submit valid income proof and meet the income criteria under the respective vertical.

3. Is the PMAY-U 2.0 applicable in all states?

Yes, the scheme is implemented nationwide and tailored according to the housing needs of each state.

4. What is the deadline for applying under PMAY-U 2.0?

As of now, no final deadline has been set. However, since housing allocation is based on demand projections, it’s best to apply early.

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