PMAY-Urban 2.0 (Pradhan Mantri Awas Yojana — Urban)

What is it

Help for families in towns and cities to build, buy or improve a pucca house, including a subsidy on the home loan.

Am I eligible

For families in urban areas who do not own a pucca house anywhere in India, within these yearly income limits: EWS up to ₹3 lakh, LIG ₹3–6 lakh, and MIG ₹6–9 lakh. Check the official portal for the exact papers each category needs.

What you get

Support comes through one of four routes — building on your own land, a house bought under a partnership project, affordable rental housing, or a home-loan interest subsidy. Under the interest subsidy, you get 4% off on the first ₹8 lakh of a home loan (loan up to ₹25 lakh, house value up to ₹35 lakh), up to ₹1.80 lakh over 12 years, paid into your loan account in instalments.

Documents needed

Tick off what you have. Use “Download checklist” to print a clean list to carry.

How to apply

1. Go to the official PMAY-Urban 2.0 portal (pmay-urban.gov.in), your Urban Local Body office, or a Common Service Centre (CSC).
2. Check which route (self-construction, partnership house, rental, or loan subsidy) suits you and start the application with your Aadhaar.
3. Submit your income and address proof.
4. Note your application number to track the status later.

Official link

Last verified: 2026-07-18