Key takeaways
PMAY-Urban 2.0 was approved in 2024 to support one crore urban families over five years.
It covers EWS, LIG and MIG households that do not own a pucca house anywhere in India.
It has four verticals: beneficiary-led construction, affordable housing in partnership, affordable rental housing and an interest subsidy scheme.
Apply through the official PMAY-U portal or your urban local body; check current guidelines first.

Pradhan Mantri Awas Yojana – Urban (PMAY-U) 2.0 is the Government of India's scheme to help urban families build, buy or rent an affordable home. It succeeds the first phase of PMAY-U.

Who is eligible?

Broadly, families from the Economically Weaker Section (EWS), Low Income Group (LIG) and Middle Income Group (MIG) who do not own a pucca house anywhere in India.

Category	Annual household income (as per scheme guidelines)
EWS	Up to ₹3 lakh
LIG	Above ₹3 lakh up to ₹6 lakh
MIG	Above ₹6 lakh up to ₹9 lakh

Confirm current limits and conditions in the official guidelines.

The four verticals

Beneficiary-Led Construction (BLC): assistance to eligible EWS families to build a house on their own land.
Affordable Housing in Partnership (AHP): houses built by states, cities or private agencies for EWS families.
Affordable Rental Housing (ARH): rental housing for urban migrants, working women, students and others.
Interest Subsidy Scheme (ISS): interest subsidy on home loans for EWS, LIG and MIG families.

Interest Subsidy Scheme basics

Under ISS, eligible borrowers taking home loans up to a specified amount for houses up to a specified value may receive an interest subsidy, released in instalments through the lender. Loan, house value, subsidy amount and tenure limits are set in the guidelines. Ask your lender whether it participates and how to apply.

Women ownership

The scheme encourages house ownership in the name of a woman or jointly. Check the conditions in the guidelines.

How to apply

Read the guidelines on the official PMAY-U portal.
Check eligibility using the online facility.
Keep Aadhaar and income documents ready.
Apply online or through your urban local body or a participating lender.
Track your application status online.

Beware of fake websites

Apply only through official government portals or authorised lenders. No legitimate agent can guarantee approval for a fee. See spotting property scams.

For state schemes, see affordable housing in Punjab.

Frequently asked questions

Who is eligible for PMAY-Urban 2.0?

Urban EWS, LIG and MIG families that do not own a pucca house anywhere in India, subject to income limits and other conditions in the scheme guidelines.

What is the income limit for MIG under PMAY-U 2.0?

The guidelines describe MIG as households with annual income above ₹6 lakh and up to ₹9 lakh. Check the official guidelines for current figures.

How do I apply for PMAY-U 2.0?

Apply through the official PMAY-U portal, your urban local body or a participating lender for the interest subsidy.

Can I get PMAY benefit if I already own a house?

Generally no. The scheme is for families that do not own a pucca house anywhere in India.

Related HomeAcross guides

Official sources and further reading

This guide is general information, not legal, tax or financial advice. Rules, rates and procedures change; confirm current requirements with the relevant authority or a qualified professional before you act. Read our editorial policy.

PMAY-Urban 2.0: Eligibility, Benefits and How to Apply

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