The Pradhan Mantri Awas Yojana Urban 2.0 (PMAY-U 2.0) was approved by the Union Cabinet on 9th August 2024 and officially launched on 1st September 2024 to promote the vision of “Housing for All” in urban India. This ambitious scheme aims to support over 1 crore families from Economically Weaker Sections (EWS), Lower Income Groups (LIG), and Middle Income Groups (MIG) by offering financial assistance to construct, buy, or rent affordable houses across urban areas over the next five years. A total central assistance of up to ₹2.50 lakh crore will be allocated for the implementation of the scheme.
Special focus is given to vulnerable groups including widows, single women, senior citizens, and persons with disabilities to ensure inclusive housing access. If you or your family do not own a permanent house anywhere in the country, this scheme can help you build a secure future. Apply online now and check your eligibility to take advantage of the PMAY Urban 2.0 scheme benefits.
PMAY Urban 2.0 Scheme
What is PMAY Urban 2.0 Scheme? – Affordable Housing Scheme for All in Cities
Launched on September 1, 2024, the PMAY 2.0 Urban Scheme is a flagship housing initiative by the Government of India aimed at providing affordable homes to 1 crore urban poor and middle-class families over the next five years. Under this scheme, eligible families can receive financial assistance of up to ₹2.50 lakh per housing unit for constructing, purchasing, or renting all-weather pucca houses in urban locations. With a total investment of ₹10 lakh crore, the scheme is designed to benefit vulnerable sections like widows, single women, senior citizens, persons with disabilities, transgenders, Safai Karmis, and street vendors.
Built on global best practices and inclusive stakeholder feedback, PMAY Urban 2.0 offers four flexible options for States, Union Territories, and individuals to suit their housing needs. Don’t miss the opportunity—apply online for PMAY 2.0 Urban today and secure your dream home at an affordable cost.
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Objective of PMAY 2.0 Urban Scheme
The primary objective of the PMAY 2.0 Urban Scheme is to provide affordable and secure housing to 1 crore urban poor and middle-income families across India. This initiative aims to ensure that every eligible household has access to a safe, all-weather pucca house in urban areas. To support this vision, the government is offering financial assistance of up to ₹2.50 lakh per unit to qualified beneficiaries. By focusing on improving living conditions in cities, the scheme seeks to uplift the quality of life for millions of citizens.
Special attention is given to vulnerable communities such as widows, single women, senior citizens, persons with disabilities, transgenders, and economically weaker minorities. Additionally, PMAY Urban 2.0 Scheme prioritizes frontline workers like Safai Karmis, street vendors, artisans, and Anganwadi workers who contribute to the city’s everyday functioning. With flexible implementation models suited to different States and Union Territories, this mission is also a strong step toward promoting sustainable urban development and inclusive growth. Apply now for PMAY Urban 2.0 and be part of India’s vision of ‘Housing for All’.
Helpful Summary of PMAY Urban 2.0 Scheme
| 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 for PMAY 2.0 Urban Scheme 2025
- Eligible Categories: Applicants must belong to EWS (Economically Weaker Section), LIG (Lower Income Group), or MIG (Middle Income Group) and live in urban areas.
- No Pucca House Ownership: Families should not own a pucca house anywhere in India.
- No Prior Housing Benefit: Applicants must not have received any housing assistance from central, state, or local government schemes in the last 20 years.
- Income Slabs:
- EWS: Annual household income up to ₹3 lakh
- LIG: ₹3 lakh – ₹6 lakh
- MIG: ₹6 lakh – ₹9 lakh
- (States/UTs may revise these income limits with prior approval.)
- Priority Beneficiaries: Special preference will be given to widows, single women, disabled persons, senior citizens, transgenders, minorities, Safai Karmis, and street vendors.
- Parental Housing Benefit Rule: If the applicant’s parents have already received housing benefits, the applicant will be considered only after all other eligible families.
- Exclusion Clause: Houses excluded from PMAY-U as of December 31, 2023, will not be eligible for sanction under PMAY 2.0.
- No Duplicate Benefits: Beneficiaries can choose either PMAY-G or PMAY Urban 2.0 Scheme, but duplicate benefits are strictly prohibited.
- Aadhaar Mandatory: Aadhaar or Aadhaar Virtual ID is required for the applicant and all family members.
- Selection Committee: Final beneficiary selection will be conducted by a District or ULB-level committee, chaired by the District Magistrate or Municipal Commissioner.
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Financial Benefits of PMAY 2.0 Urban Scheme 2025
- Shared Housing Cost: The cost of house construction is jointly funded by the Central Government, State/UT Governments, and the beneficiaries.
- Central Assistance by Region:
- ₹2.25 lakh per unit in northeastern and hilly states (+ ₹25,000 by the State Government).
- ₹2.50 lakh per unit in Union Territories (except a few specified regions).
- ₹1.50 lakh per unit in other states, with an additional ₹1 lakh from the State Government.
- Home Loan Subsidy: Eligible beneficiaries can avail a home loan interest subsidy of up to ₹1.80 lakh under the Interest Subsidy Scheme (ISS) to reduce EMI burden.
- State/UT Top-Up Option: States and UTs may offer additional financial support over and above the minimum required share to improve home affordability.
- Beneficiary Contribution: Each beneficiary is required to contribute a minimum of 25% of the total house or project cost.
- Incentives for Innovation: Projects using innovative or green building technologies may receive an incentive of ₹1,000 per square meter, up to 30 sqm per unit.
- HUDCO Loans: States and UTs can take affordable housing loans from HUDCO to fund housing projects for urban poor families.
Required Documents for PMAY 2.0 Urban Scheme 2025
To successfully apply for PMAY 2.0 Urban Scheme, applicants must keep the following documents ready:
- Two recent passport-size photographs – for identity and application purposes.
- Aadhaar Card of applicant and family members – mandatory for identity verification and beneficiary authentication.
- Bank account details linked with Aadhaar – to ensure smooth transfer of subsidy or financial assistance.
- Valid Income Certificate – to prove eligibility under EWS, LIG, or MIG categories.
- Caste/Community Certificate (SC/ST/OBC) – if claiming benefits under reserved categories.
- Land ownership documents or property papers – required if applying for financial support for house construction.
Make sure your documents are up-to-date and accurate. Apply online for PMAY Urban 2.0 Scheme today and take a step toward owning your dream home with government support.
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Verticals Under PMAY Urban 2.0 Scheme
The PMAY 2.0 Urban Scheme 2025 offers four strategic verticals to ensure “Housing for All” in urban India:
- Beneficiary-Led Construction (BLC): Financial assistance is provided directly to eligible families so they can construct or enhance their own pucca houses on their existing land.
- Affordable Housing in Partnership (AHP): A joint venture between government agencies and private developers to create affordable housing projects for eligible urban beneficiaries.
- Affordable Rental Housing Complexes (ARHC): Designed to support migrants and low-income families, this vertical promotes access to safe and affordable rental housing in urban areas.
- Credit Linked Subsidy Scheme (CLSS) / Interest Subsidy Scheme (ISS): Offers subsidized home loans to EWS, LIG, and MIG groups, making housing loans more affordable for first-time homeowners.
Choose the right vertical based on your needs and apply online under PMAY Urban 2.0 Scheme to secure your dream home today.
Salient Features of PMAY 2.0 Urban Scheme 2025
- Financial Assistance for Housing: Offers up to ₹2.5 lakh per unit to help urban poor and middle-income families build, buy, or rent affordable homes.
- Target: 1 Crore Homes in 5 Years: Aims to provide affordable housing solutions to 1 crore urban families by 2030.
- Special Focus on Vulnerable Groups: Gives priority to widows, senior citizens, single women, persons with disabilities, and marginalized communities.
- Multiple Vertical Options: Support available under four flexible components – Beneficiary-Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH), and Interest Subsidy Scheme (ISS).
- Flexible Income Criteria: States/UTs can adjust income slabs to suit regional economic conditions.
- No Duplicate Beneficiaries: Ensures that no applicant who has received housing benefits in the last 20 years is reconsidered.
- Mandatory Aadhaar for Transparency: Aadhaar verification required for all beneficiaries to avoid duplication and promote transparency.
- Extra Support by States/UTs: Local governments can add funds beyond central assistance to enhance affordability.
- Affordable Loans Through HUDCO: Access to low-interest loans from HUDCO for housing project implementation.
Apply now under the PMAY Urban 2.0 Scheme and secure your dream home with government-backed support.
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PMAY Urban 2.0 Scheme Apply Online 2025 – Step-by-Step Registration Guide
Follow the simple steps below to apply online for PMAY Urban 2.0 Scheme and avail affordable housing benefits:
Step 1: Visit the official PMAY Urban 2.0 website to start your application.
Step 2: Click on the option “Apply for PMAY-U 2.0” on the homepage.
Step 3: Carefully read the instructions guide and click on “Proceed” to continue.
Step 4: Check the list of required documents and make sure you have everything ready.
Step 5: Gather all necessary documents like Aadhaar card, income proof, address proof, and bank details.
Step 6: Enter basic information such as your State, Household Income, and Housing Vertical, then click on “Check Eligibility”.
Step 7: Provide your Aadhaar Number and Name (as per Aadhaar). You will receive an OTP on your Aadhaar-linked mobile number. Enter the OTP and click “Submit.”
Step 8: Fill in all the required details in the application form:
- Personal Information
- Family Member Details
- Household Information
- Residential Address
- Scheme Preferences
- Home Loan Information
Step 9: Choose your preferred banks and finalize the application by uploading documents and saving your details.
Apply now for PMAY 2.0 Urban Scheme and take the first step toward owning an affordable home.
PMAY Urban 2.0 Scheme Search Application Status
- Visit the official PMAY 2.0 Urban website.
- On the homepage, click on the “Track Status” option or click on the link provided to check the application status.
- A new page will appear with two choices: check the status using “Name, Father’s Name & Mobile No” or “Assessment ID.”
- If you choose to check by father’s name, enter your state, district, father’s name, mobile number, and city name.
- If you select assessment ID, enter your assessment ID and mobile number.
- After filling in the details, click on the “Submit” button to complete the process.
PMAY Urban 2.0 Scheme 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.
PMAY Urban 2.0 Scheme Important Download
FAQs – PMAY Urban 2.0 Scheme
What is PMAY Urban 2.0 Scheme?
PMAY-U 2.0, also known as the updated version of the Pradhan Mantri Awas Yojana – Urban, is a government-backed affordable housing scheme launched on September 1, 2024. It aims to provide financial assistance to 1 crore urban poor and middle-income families to help them construct, purchase, or rent pucca homes in urban areas across India. The scheme was approved by the Union Cabinet on August 9, 2024, and is aligned with the government’s mission of “Housing for All.”
Who is eligible to benefit from PMAY Urban 2.0 Scheme?
Families belonging to the Economically Weaker Section (EWS), Lower Income Group (LIG), and Middle-Income Group (MIG) who do not own a pucca house anywhere in India are eligible. Applicants must meet income-based eligibility and should not have received benefits from any housing scheme in the past.
What financial assistance is provided under PMAY Urban 2.0 Scheme?
Eligible beneficiaries can receive central assistance of up to ₹2.50 lakh per housing unit. The total financial outlay across the country will be ₹2.50 lakh crore, depending on the needs and scale of support required by the States and Union Territories under this urban housing scheme.
What are the key verticals under PMAY Urban 2.0 Scheme?
PMAY Urban 2.0 Scheme is implemented through four verticals to offer flexibility to beneficiaries and States/UTs. These include: construction of new houses, purchase of ready-to-move homes, renting affordable housing units, and providing infrastructure upgrades in slums and informal settlements.
What is the target group for the scheme?
The scheme targets EWS, LIG, and MIG families, along with vulnerable sections of society such as widows, single women, senior citizens, persons with disabilities, transgender persons, SC/ST communities, artisans, safai karmis, construction workers, and street vendors living in urban areas.
Is the scheme accessible to vulnerable sections?
Yes, PMAY Urban 2.0 Scheme places special emphasis on inclusive housing by focusing on marginalized and underserved communities. Beneficiaries under schemes like PMSVANidhi, Pradhan Mantri Vishwakarma Yojana, and others are also eligible under this scheme, ensuring equity and social justice in housing access.
What is the duration of the scheme?
The PMAY 2.0 Urban Scheme will be implemented over a five-year period from 2024 to 2029.
How will beneficiaries be selected?
The selection of beneficiaries will be conducted by State and Union Territory governments along with Primary Lending Institutions (PLIs). Final approval is based on fulfilling all eligibility criteria and verification by competent authorities.
What are the main goals of PMAY-U 2.0?
The main objective of PMAY PMAY Urban 2.0 Scheme is to achieve the government’s vision of “Housing for All” by addressing the housing needs of all eligible urban families through affordable, inclusive, and sustainable housing development across India.
👉 If you’re eligible and ready to own your dream home under this transformative scheme, don’t wait—Apply Online for PMAY Urban 2.0 Scheme today and take the first step toward secure and dignified urban living.