What you get

• Beneficiary-Led Construction (BLC): up to ₹2.50 lakh for an EWS family to build a new pucca house on its own land.
• Affordable Housing in Partnership (AHP): up to ₹2.50 lakh for an EWS family towards buying a house built by public or private agencies.
• Affordable Rental Housing (ARH): rental homes for urban migrants, working women, industrial workers, homeless people, students and other eligible people.
• Interest Subsidy Scheme (ISS): 4% interest subsidy on the first ₹8 lakh of a home loan, for loans up to ₹25 lakh on a house worth up to ₹35 lakh, tenure up to 12 years.
• ISS subsidy is capped at ₹1.80 lakh, paid in 5 yearly instalments to the loan account; it applies to loans sanctioned and disbursed on or after 1 September 2024.
• States/UTs may add their own top-up assistance.

Who can apply

• Families in the EWS, LIG or MIG group living in urban areas with no pucca house anywhere in India.
• EWS: annual household income up to ₹3 lakh. LIG: ₹3 lakh to ₹6 lakh. MIG: ₹6 lakh to ₹9 lakh.
• BLC and AHP house assistance is for EWS families only; ISS is open to EWS, LIG and MIG.
• A beneficiary family is husband, wife and unmarried sons and/or daughters.
• The town must be a statutory town or a notified planning/development area covered by the scheme.
• Houses are to be in the name of the female head of household or jointly with her; a widower, unmarried or separated person, or a transgender person can hold the house in their own name.
• Preference goes to widows, single women, persons with disabilities, senior citizens, transgender persons, SC/ST, minorities and other weaker sections.

Who cannot apply

• Anyone allotted a house under any Central, State/UT or local government housing scheme in the last 20 years, in urban or rural areas.
• Families that own a pucca house anywhere in India.
• ISS: a property whose previous owner already received the subsidy; a loan moved to another lender by balance transfer (the subsidy cannot be claimed again).
• ISS: loans above ₹25 lakh or houses worth more than ₹35 lakh.

Documents usually needed

• Aadhaar (or Aadhaar Virtual ID) for the applicant and family members.
• A signed self-undertaking that you meet the income limit and own no pucca house (format in the scheme guidelines).
• BLC: proof of ownership of the land where the house will be built.
• ISS: a self-certificate or affidavit as proof of income.

How to apply

1. Register on the PMAY-U 2.0 Unified Web Portal using the 'Apply for PMAY-U 2.0' link on pmay-urban.gov.in.
2. Read the instructions, choose one of the four verticals, complete the eligibility check, give consent for Aadhaar authentication, and fill the beneficiary survey form.
3. BLC applicants can also approach their Urban Local Body (ULB) or implementing agency with the required documents.
4. ISS applicants register on the portal; the application is forwarded to the bank or housing finance company (PLI) for the loan.
5. The ULB/State verifies eligibility before the house is sanctioned.