PMAY Urban 2.0 — Quick Overview
| Scheme Name | PMAY Urban 2.0 (2024) — Rs 2.30 Lakh Subsidy + 1 Crore New Urban Houses | pmaymis.gov.in |
| Launched By | Government of India |
| Launch Year | 2024 |
| Benefit | Interest subsidy up to Rs 2.30 lakh on home loan + BLC grant up to Rs 2.50 lakh for self-construction |
| Category | Housing |
| Last Verified | 1 May 2026 |
| Official Portal | https://pmaymis.gov.in |
What is PMAY Urban 2.0?
Pradhan Mantri Awas Yojana Urban 2.0 (PMAY-U 2.0) was launched in August 2024 to build 1 crore affordable houses for urban poor and middle-class families over 5 years (2024-29) with a total outlay of Rs 10 lakh crore. The scheme provides interest subsidy (Credit Linked Subsidy Scheme — CLSS) up to Rs 2.30 lakh on home loans, beneficiary-led construction (BLC) assistance, and affordable housing in partnership. EWS/LIG/MIG families with annual income up to Rs 18 lakh are eligible.
Under this scheme, eligible beneficiaries receive Interest subsidy up to Rs 2.30 lakh on home loan + BLC grant up to Rs 2.50 lakh for self-construction. The scheme was launched in 2024 and is implemented by the Government of India.
प्रधानमंत्री आवास योजना (शहरी) 2.0 अगस्त 2024 में लॉन्च हुई। 5 साल (2024-29) में 1 करोड़ नए शहरी घर, ₹10 लाख करोड़ का कुल निवेश। होम लोन पर ₹2.30 लाख तक ब्याज सब्सिडी। EWS (₹3 लाख तक), LIG (₹3-6 लाख), MIG (₹6-18 लाख) परिवार पात्र। pmaymis.gov.in पर ऑनलाइन आवेदन।
होम लोन पर ₹2.30 लाख तक ब्याज सब्सिडी + स्व-निर्माण के लिए ₹2.50 लाख BLC अनुदान
Benefits of PMAY Urban 2.0
Interest subsidy up to Rs 2.30 lakh on home loan + BLC grant up to Rs 2.50 lakh for self-construction
Who is Eligible for PMAY Urban 2.0?
- ✓EWS: Annual household income up to Rs 3 lakh
- ✓LIG: Annual household income Rs 3-6 lakh
- ✓MIG: Annual household income Rs 6-18 lakh
- ✓Must not own a pucca house anywhere in India (self or spouse)
- ✓Female ownership/co-ownership mandatory for EWS/LIG categories
- ✓Must be an urban area resident
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Documents Required for PMAY Urban 2.0
How to Apply for PMAY Urban 2.0 Online?
- 1Visit the official portal at https://pmaymis.gov.in
- 2Click on Apply Now or Register button on the homepage
- 3Enter your Aadhaar-linked mobile number and verify OTP
- 4Fill in the online application form with required details
- 5Upload the required documents including Aadhaar and bank passbook
- 6Review all details and submit the application
- 7Note down the application reference number for future tracking
- 8Wait for verification and approval from the concerned authority
Official Government Portal
Apply directly on the official government website. This is the only authorised portal — never pay anyone to apply on your behalf.
🔗Apply on pmaymis.gov.inFrequently Asked Questions — PMAY Urban 2.0
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