🏠 Housing · Ministry of Housing & Urban Affairs
Pradhan Mantri Awas Yojana – Urban 2.0 (PMAY-U 2.0)
Help for urban families to own a pucca house: build, buy, rent, or get a home-loan subsidy.
What you get
Home-loan interest subsidy up to ₹1.8 lakh, or help to build / buy
🔗 Direct official links
These open the government website in a new tab. Applying there is free; never pay anyone for a form.
✅ Benefits
- Build a house on your own land with financial help (BLC).
- Buy a subsidised flat in an affordable housing project, often allotted by lottery (AHP).
- Affordable rental housing for workers and students (ARH).
👤 Who can apply
- Urban families (husband, wife, unmarried children) with annual income up to ₹3 lakh (EWS), ₹3–6 lakh (LIG) or ₹6–9 lakh (MIG).
- No pucca house anywhere in India in the family's name.
📄 Documents needed
- Aadhaar of family members
- Income proof
- Bank account
- Self-declaration of not owning a pucca house
📝 How to apply
- Check eligibility and apply on the PMAY-Urban portal, or through your urban local body.
- For the interest subsidy, tell your bank when applying for a home loan.
- For flats, apply in the state / city housing lottery that offers PMAY units.
Benefits in detail
- Build a house on your own land with financial help (BLC).
- Buy a subsidised flat in an affordable housing project, often allotted by lottery (AHP).
- Affordable rental housing for workers and students (ARH).
- Interest subsidy on home loans: 4% on the first ₹8 lakh, up to ₹1.8 lakh (ISS).
Who can apply
- Urban families (husband, wife, unmarried children) with annual income up to ₹3 lakh (EWS), ₹3–6 lakh (LIG) or ₹6–9 lakh (MIG).
- No pucca house anywhere in India in the family's name.
Documents needed
- Aadhaar of family members
- Income proof
- Bank account
- Self-declaration of not owning a pucca house
- Land / property documents (for BLC or the interest subsidy)
How to apply, step by step
- Check eligibility and apply on the PMAY-Urban portal, or through your urban local body.
- For the interest subsidy, tell your bank when applying for a home loan.
- For flats, apply in the state / city housing lottery that offers PMAY units.
Last checked against the official website: 26 Sept 2026
Amounts and rules can change. The official website is always final. YojanaHelper is an independent guide, not a government website.
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