Pradhan Mantri Awas Yojana – Urban 2.0 (PMAY-U 2.0) was approved by the Union Cabinet on 9th August 2024 and came into effect on 1st September 2024. The scheme aims to provide financial assistance to 1 crore urban poor and middle-class families for constructing, purchasing, or renting affordable houses in urban areas over five years. Families from the Economically Weaker Section (EWS), Lower Income Group (LIG), and Middle Income Group (MIG) who do not own a permanent house anywhere in the country are eligible. Central assistance of up to Rs. 2.50 lakh crore will be provided. PMAY-U 2.0 focuses on vulnerable groups, including widows, single women, senior citizens, persons with disabilities, and others, ensuring “Housing for All.”
What is PMAY 2.0 Urban?
PMAY 2.0 Urban, launched on September 1, 2024, is a government initiative to provide affordable housing for 1 crore urban poor and middle-class families over five years. It focuses on constructing, purchasing, or renting all-weather pucca houses in urban areas. The scheme offers financial assistance of up to Rs. 2.50 lakh per unit, with a total investment of Rs. 10 lakh crore. Priority is given to widows, single women, disabled persons, senior citizens, transgenders, and vulnerable groups like Safai Karmis and street vendors. Designed with global best practices and stakeholder inputs, PMAY 2.0 Urban includes four flexible options for States, Union Territories, and beneficiaries to address diverse housing needs.
Also Read: PM Awas Yojana Urban 2.0
Objective of PMAY 2.0 Urban
- Provide affordable housing for 1 crore urban poor and middle-class families.
- Ensure access to all-weather pucca houses in urban areas.
- Offer financial assistance of up to Rs. 2.50 lakh per unit to beneficiaries.
- Focus on improving the quality of life for urban residents.
- Prioritize vulnerable groups like widows, single women, disabled persons, senior citizens, transgenders, and minorities.
- Support workers like Safai Karmis, street vendors, artisans, and Anganwadi workers.
- Use flexible options to address diverse housing needs across States and Union Territories.
- Promote sustainable urban development and better living standards.
Helpful Summary of PMAY 2.0
| Scheme Name | Pradhan Mantri Awas Yojana-Urban 2.0 (PMAY-U 2.0) |
| Launch Date | September 1, 2024 |
| Objective | Provide affordable housing to 1 crore urban poor and middle-class families |
| Financial Assistance | Up to Rs. 2.50 lakh per unit per beneficiary |
| Total Investment | Rs. 10 lakh crore |
| Beneficiaries | Economically Weaker Sections (EWS), Low-Income Groups (LIG), Middle-Income Groups (MIG) |
| Priority Groups | Widows, single women, disabled persons, senior citizens, transgenders, minorities |
| Special Focus | Safai Karmis, street vendors, artisans, Anganwadi workers, slum residents |
| Implementation | Flexible verticals to address diverse housing needs through States/UTs |
| Key Features | All-weather pucca houses, better living standards, sustainable urban development |
| Mode of Application | Online |
| Official Website | https://pmaymis.gov.in/PMAYMIS2_2024/PmayDefault.aspx |
Eligibility Criteria
- Families in EWS, LIG, or MIG categories living in urban areas without a pucca house anywhere in the country can apply.
- Beneficiaries must not have received housing benefits from central, state, or local government schemes in the last 20 years.
- EWS households have an annual income of up to Rs. 3 lakh; LIG income is Rs. 3-6 lakh; MIG income is Rs. 6-9 lakh. States/UTs may adjust these criteria with approval.
- Priority is given to widows, single women, disabled persons, senior citizens, transgenders, minorities, and vulnerable groups like Safai Karmis and street vendors.
- Beneficiaries with parents who previously received housing benefits will be considered after other eligible families.
- Houses excluded under PMAY-U by December 31, 2023, will not be sanctioned in PMAY-U 2.0.
- Beneficiaries can choose benefits under PMAY-G or PMAY-U 2.0, but duplication will be avoided.
- Aadhaar or Aadhaar Virtual ID is mandatory for all eligible beneficiaries and their family members.
- A district or ULB-level committee led by the District Magistrate or Municipal Commissioner will finalize beneficiary selection.
Also Read: PM Awas Yojana Urban 2.0 List
Financial Benefits
- The cost of house construction is shared by the Central Government, State/UT governments, and beneficiaries.
- Central assistance varies by region:
- Rs. 2.25 lakh per unit in northeastern and hilly states, with Rs. 0.25 lakh from the state government.
- Rs. 2.50 lakh per unit in Union Territories (except specified ones).
- Rs. 1.5 lakh per unit in other states, with Rs. 1 lakh from the state government.
- Home loan subsidy of up to Rs. 1.80 lakh is available under the Interest Subsidy Scheme (ISS).
- States/UTs may provide additional funds to enhance affordability beyond the minimum share.
- Beneficiaries must contribute at least 25% of the house or project cost.
- Projects using innovative building technologies may receive a Rs. 1,000 per sqm grant for up to 30 sqm per unit.
- States/UTs can take loans from HUDCO at affordable rates for affordable housing projects.
Required Documents
- Two passport-size photographs
- Aadhaar card details (including family members)
- Bank account details linked with Aadhaar
- Income Certificate
- Caste/community certificate (for SC/ST/OBC)
- Land documents (if applying for financial assistance)
Also Read: PMAY Scheme Next Phase
Verticals Under Pradhan Mantri Awas Yojana Urban 2.0
- Beneficiary Led Construction (BLC): Beneficiaries build their own houses with financial support.
- Affordable Housing in Partnership (AHP): Collaboration between government and private sector to build affordable houses for beneficiaries.
- Affordable Rental Housing (ARH): Renting affordable houses for low-income families.
- Interest Subsidy Scheme (ISS): Provides subsidy on home loans to make housing more affordable for low-income groups.
Salient Features
- Provides financial assistance to urban poor and middle-class families for constructing, purchasing, or renting houses.
- Focus on providing affordable housing in urban areas for 1 crore families in 5 years.
- Financial support up to Rs. 2.5 lakh per unit for eligible beneficiaries.
- Special priority for vulnerable groups like widows, single women, senior citizens, persons with disabilities, and marginalized communities.
- Housing assistance available under four main verticals: BLC, AHP, ARH, and ISS.
- Flexibility for states/UTs to redefine income criteria based on local conditions.
- Ensures that no beneficiary has received a house under any government scheme in the last 20 years.
- Aadhaar is mandatory for all beneficiaries to ensure transparency and easy access to benefits.
- States/UTs can enhance affordability by adding extra funds beyond the central assistance.
- Loan facilities available through HUDCO at affordable rates for housing projects.
PMAY 2.0 Urban Apply Online 2025
Step 1. Visit the official PMAY 2.0 Urban website
Step 2. click on the option to Apply for PMAY-U-2.0.
Step 3. Read the instructions guide carefully and then click on proceed
Step 4. Read the document list and check if your document are ready
Step 5. Gather all the necessary documents required for the application.
Step 6. Enter the required details such as state, household income, vertical, and click on “Check Eligibility.”
Step 7. Provide your Aadhar number and name as per Aadhar. An OTP will be sent to your Aadhar-linked number. Enter the OTP and submit it.
Step 8. Fill in the following details:
- Personal details
- Family member details
- Household details
- Address details
- Scheme details
- Home loan details
Step 9. Select your preferred banks and finalize the process by saving and uploading all the information.
Search Application Status
1. Visit the official PMAY 2.0 Urban website.
2. On the homepage, click on the “Track Status” option or click on the link provided to check the application status.
3. A new page will appear with two choices: check the status using “Name, Father’s Name & Mobile No” or “Assessment ID.”
4. If you choose to check by father’s name, enter your state, district, father’s name, mobile number, and city name.
5. If you select assessment ID, enter your assessment ID and mobile number.
6. After filling in the details, click on the “Submit” button to complete the process.
Helpline Number
- 99200 61295.
- You can also contact PMAY-Urban via email at pmaymis-mhupa@gov.in or by phone at 011-23063285 or 011-23060484.
FAQs
What is PMAY-U 2.0?
PMAY-U 2.0 is an updated version of the Pradhan Mantri Awas Yojana – Urban, which aims to provide financial assistance to 1 crore urban poor and middle-class families to construct, purchase, or rent houses in urban areas at an affordable cost. It was approved by the Union Cabinet on 9th August 2024 and came into effect from 1st September 2024.
Who is eligible to benefit from PMAY-U 2.0?
Families belonging to the Economically Weaker Sections (EWS), Lower Income Groups (LIG), and Middle-Income Groups (MIG), who do not own a pucca (permanent) house anywhere in the country, are eligible to purchase or construct a house under PMAY-U 2.0.
What financial assistance is provided under PMAY-U 2.0?
Central assistance of up to Rs. 2.50 lakh crore will be provided to the beneficiaries, depending on the financial and housing needs of the states and union territories.
What are the key verticals under PMAY-U 2.0?
PMAY-U 2.0 is implemented through four verticals, providing flexibility for beneficiaries, states, and UTs in choosing different options available under the scheme. These include:
- Construction of new houses
- Purchase of new houses
- Renting affordable homes
- Providing infrastructural support to slums and chawls
What is the target group for the scheme?
The target groups include:
- Families from EWS, LIG, and MIG segments
- Vulnerable sections such as widows, single women, persons with disabilities, senior citizens, transgender individuals, and Scheduled Castes/Scheduled Tribes
- Residents of slums, street vendors, safai karmis, artisans, Anganwadi workers, and construction workers
Is the scheme accessible to vulnerable sections?
Yes, PMAY-U 2.0 emphasizes equity by addressing the housing needs of various vulnerable groups, including minorities, marginalized communities, and persons identified under other related government schemes like PMSVANidhi and Pradhan Mantri Vishwakarma Yojana.
What is the duration of the scheme?
The scheme will be implemented for 5 years, from 2024 to 2029.
How will beneficiaries be selected?
Beneficiaries will be selected by the States/Union Territories, and Primary Lending Institutions (PLIs) based on eligibility criteria.
What are the main goals of PMAY-U 2.0?
The scheme aims to achieve the vision of “Housing for All” by fulfilling the housing needs of various urban segments and ensuring equitable access to housing for all eligible groups.