Pradhan Mantri Awas Yojana (Urban) 2.0
Government of India
Overview
Under Pradhan Mantri Awas Yojana (Urban) 2.0, urban Economically Weaker Section (EWS), Low Income Group (LIG) and Middle Income Group (MIG) families get financial help to build, buy or rent a pucca house. The central and state governments share the cost, paid by DBT.
Benefits come through four verticals: Beneficiary-Led Construction on own land (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH) and the Interest Subsidy Scheme (ISS) on home loans. Women's ownership or co-ownership of the house is encouraged.
The family must not own a pucca house anywhere in India or have taken benefits under another government housing scheme in the prescribed period. Apply on the PMAY-U 2.0 portal with Aadhaar-based authentication.
At a glance
- Administering authority
- Government of India
- Scheme type
- Housing
- Place of posting / area
- All India
- Application mode
- Online
- Important dates
- Applications accepted year-round
Benefits
- Central and state assistance to build, buy or rent affordable urban housing
- Four verticals: BLC, AHP, ARH and ISS
- Interest subsidy on eligible home loans under ISS
- Encourages women's ownership/co-ownership
- Funds paid by DBT
Eligibility
- EWS, LIG or MIG family under the prescribed income criteria
- The family does not own a pucca house anywhere in India
- Has not taken benefits under any government housing scheme in the prescribed period
- Lives in an urban area covered by PMAY-U 2.0
- Aadhaar-linked verification is mandatory
- For BLC, ownership of or legal rights over land
Required documents
- Aadhaar
- Income proof
- Bank account details
- Photographs
- Land ownership documents (for BLC)
How to apply
- On the PMAY-U 2.0 portal, complete Aadhaar-based authentication with your Aadhaar-linked mobile number
- Enter personal, family, income and housing details
- Upload documents
- The ULB and competent authorities verify the application
- Track the status on the portal
Last updated: 1 Nov 2026
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