PM Awas Yojana 2026 helps eligible urban families construct, purchase or rent an affordable house. Check PMAY-U 2.0 eligibility, income limit, benefits and online application process.
Key Benefits under PMAY-U 2.0
- Interest Subsidy Scheme (ISS): Up to ₹1.80 lakh interest subsidy on home loans (disbursed in 5 annual installments of up to ₹36,000 directly credited to the loan principal).
- Beneficiary-Led Construction (BLC): Direct central and state financial assistance (up to ₹2.50 lakh) for eligible EWS families constructing a house on their own land.
- Affordable Housing in Partnership (AHP): Subsidized housing units built by public/private agencies for EWS/LIG families.
- Affordable Rental Housing (ARH): Rental housing complexes for urban migrants and industrial workers.
Eligibility Criteria
-
Income Limits:
- EWS (Economically Weaker Section): Annual household income up to ₹3,00,000.
- LIG (Low Income Group): Annual household income between ₹3,00,001 and ₹6,00,000.
- MIG (Middle Income Group): Annual household income between ₹6,00,001 and ₹9,00,000.
00.
-
Property Parameters (for Home Loans/ISS):
- Maximum house value: ₹35 lakh.
- Maximum loan amount eligible for subsidy: ₹25 lakh (subsidy applies to the first ₹8 lakh).
- Maximum carpet area: Up to 120 sq. meters.
rs.
- No Existing Pucca House: Neither the applicant nor any family member must own a permanent (pucca) house anywhere in India.
- No Prior Scheme Benefit: Must not have received housing subsidy benefits under previous central/state housing schemes.
- Female Ownership: The house must be registered in the name of the female head of the family, or jointly with her spouse (exemptions apply for unmarried men, widowers, separated individuals, or transgender applicants).
Required Documents
- Identity & Address Proof: Aadhaar Card (mandatory for all family members), PAN Card, Voter ID.
- Income Proof: Salary slips, Form 16/ITR, or income certificate issued by a competent revenue authority.
- Property Documents: Land registry/patta (for BLC), agreement to sale, or developer allotment letter.
- Bank Details: Active bank account linked with Aadhaar and mobile number.
- Affidavit: Self-declaration confirming no ownership of a pucca house in India.
How to Apply Online
- Visit the Official Portal: Go to the official MoHUA PMAY portal at pmaymis.gov.in.
- Access PMAY-U 2.0: Click on Apply for PMAY-U 2.0 / Citizen Assessment on the homepage.
- Verify Identity: Enter your Aadhaar number and verify using the mobile OTP.
- Choose Applicable Vertical: Select the vertical that applies to you (ISS for home loan subsidy, BLC for individual house construction, or AHP for partnership housing).
- Fill in Details: Enter household demographics, income details, current residential address, and bank credentials.
- Upload Documents & Submit: Upload required identity and income proofs, verify details, and click Submit.
- Save Application ID: Note down your generated Assessment ID / Application Number to track verification status through your local urban body (ULB) or lending institution.