PMAY-U, simplified

🔔 Latest PMAY-U notices

✔ Who can apply

• ●EWS: annual household income up to ₹3 lakh. LIG: ₹3–6 lakh. MIG: ₹6–9 lakh (PMAY-U 2.0 limits).
• ●The family (husband, wife, unmarried children) must not own a pucca house anywhere in India.
• ●Interest subsidy: 4% on the first ₹8 lakh of a loan up to ₹25 lakh, for a house costing up to ₹35 lakh. Up to ₹1.8 lakh, released in instalments.
• ●Residency: Open to eligible families in any urban area of India.

📄 Documents to keep ready

• ☐PAN card of applicant (and spouse, if married)
• ☐Aadhaar for e-KYC on the portal (do not share copies with agents)
• ☐Income proof for the financial year asked in the brochure (ITR / Form 16 / income certificate)
• ☐Recent passport-size photograph and signature scan
• ☐Active mobile number and email ID
• ☐Bank account details for the EMD / registration-money refund
• ☐Self-declaration of not owning a pucca house
• ☐Property documents / sale agreement (for the interest subsidy)

🪜 How to apply, step by step

1. 1Check eligibility and apply on the official PMAY-Urban portal or through your urban local body.
2. 2For flats under 'Affordable Housing in Partnership', apply in the state / city lottery that offers PMAY units (e.g. MHADA, CIDCO, state housing boards).
3. 3For the interest subsidy, apply for a home loan with a participating bank / HFC and ask them to process PMAY benefits.
4. 4The subsidy is credited to your loan account in instalments.

💡 Tips

• Many state lottery flats for EWS/LIG are PMAY-linked, so you may get both a subsidised flat and loan benefits.
• Nobody can 'get PMAY approved' for a fee. Applications are free on the official portal.

₹ Plan your budget

Know your budget before the scheme opens: the EMD, the down payment, stamp duty and your EMI. Our calculators take two minutes.

Other authorities in All India