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PM Awas Yojana 2.0 (Urban): who qualifies and how to apply online

Urban housing help of up to 2.5 lakh, or a home loan subsidy, and how to apply

Income up to 9 lakhLoan subsidy 1.80 lakhNo pucca houseChecked 14 Nov

Half built brick house with steel rods in a town lane, as built with pm awas yojana 2.0 help

Independent guide. Money Schemes is not a government website and does not take applications or payments. Apply only on the official portal, at a post office, a bank branch or a Common Service Centre.

PM Awas Yojana 2.0, the urban housing scheme also called Pradhan Mantri Awas Yojana Urban 2.0 or PMAY-U 2.0, helps families in towns and cities who have no pucca house anywhere in India: up to 2.5 lakh rupees of government help to build on their own land or buy an affordable house, or, for those taking a housing loan, a subsidy that can reach 1.80 lakh rupees. Households earning not more than 9 lakh rupees a year can apply, in three bands: EWS up to 3 lakh, LIG 3 to 6 lakh, and MIG 6 to 9 lakh.

You apply online on the official PMAY-Urban portal with Aadhaar, or with help from your municipal office or a CSC. Village families come under a different scheme, PMAY-Gramin, which is not applied for online by the public.

At a glance

  • Run by

    Ministry of Housing and Urban Affairs, with states and urban local bodies

  • Who can apply

    Urban EWS, LIG and MIG families with no pucca house anywhere in India

  • Income bands

    EWS up to 3 lakh, LIG 3 to 6 lakh, MIG 6 to 9 lakh a year

  • Build or buy help

    Up to 2.5 lakh rupees per house (centre and state together) for EWS

  • Loan subsidy

    Up to 1.80 lakh rupees, paid in five yearly parts

  • Apply at

    pmay-urban.gov.in, the ULB office or a CSC

The four ways pm awas yojana 2.0 helps

VerticalWhat you getWho it is for
Beneficiary Led Construction (BLC)Money in stages to build a new pucca house on your own landEWS families with land; landless families may get land rights from the state
Affordable Housing in Partnership (AHP)Help to buy a flat in a government or approved private project, including redeemable housing vouchersEWS families
Affordable Rental Housing (ARH)Low rent rooms or flatsWorking women, industrial workers, migrants, students and others who need short term housing
Interest Subsidy Scheme (ISS)Subsidy on a home loanEWS, LIG and MIG families

You choose one vertical in the form. Most families with a plot pick BLC; families wanting a loan pick ISS.

How much money, by state

For BLC and AHP, the total is about 2.5 lakh rupees per house, split differently by region:

  • North eastern states, Himachal Pradesh, Uttarakhand, plus the UTs of J&K, Puducherry and Delhi: centre 2.25 lakh plus at least 0.25 lakh from the state or UT.
  • Other union territories: centre 2.5 lakh.
  • All other states: centre 1.5 lakh plus at least 1 lakh from the state.

Some states add more from their own budget. The money for BLC is paid in parts as construction moves from foundation to roof, after geo tagged photos are checked.

Home loan subsidy worked out

Under ISS, the house can cost at most 35 lakh and the loan at most 25 lakh. The subsidy is 4% interest on the first 8 lakh of the loan, for up to 12 years, with a maximum of 1.80 lakh rupees. It is released in five yearly parts into the loan account, which lowers your outstanding loan.

The loan must be from a lender that has joined the scheme. Ask the lender whether your loan is registered under ISS before you sign.

Who is eligible

  • A family of husband, wife and unmarried children with annual income within the EWS, LIG or MIG band.
  • No member owns a pucca house anywhere in India.
  • The family has not taken a house under another central or state housing scheme in the period the guidelines set.
  • The house is usually registered to the senior woman of the family, alone or jointly.
  • The family lives in a statutory town or notified planning area covered by the scheme.

PM Awas Yojana 2.0 apply online: steps

  1. Open pmay-urban.gov.in and open the PMAY-U 2.0 application link.
  2. Read the guidelines and the eligibility check page, then pick your vertical (BLC, AHP, ARH or ISS).
  3. Enter your income and state details to check eligibility.
  4. Verify Aadhaar with name and OTP.
  5. Fill personal details, family members' Aadhaar, address, income, bank account and land details if choosing BLC.
  6. Upload papers and submit. Note the application number shown.
  7. The urban local body verifies the details and may visit the site.

If you cannot fill it yourself, carry the same papers to your ward or municipal office, or to a CSC. Applying is free.

Papers you will need

  • Aadhaar of all family members.
  • Income certificate or self declaration of income.
  • Bank account details, seeded with Aadhaar.
  • Land documents for BLC; property papers and loan sanction for ISS.
  • Caste certificate if applicable.
  • Affidavit that the family has no pucca house in India.

Keep a scanned copy of each paper on your phone before you start the online form, since the portal session can time out. The municipal office may ask for originals at the site visit, so do not hand them to any agent.

Gramin or urban, and state names

Searches like "PM Awas Yojana gramin online apply" do not lead to a self service form: rural families are picked from the survey list and the gram panchayat. See the gramin list guide. State run schemes, for example in West Bengal or Haryana, have their own portals. To track an application you already made, use our PMAY status page.

Frequently asked questions

Which families can apply under PM Awas Yojana 2.0?

Urban families with income up to 9 lakh rupees a year who have no pucca house anywhere in India and have not taken an earlier housing scheme benefit.

How much money does pm awas yojana urban 2.0 give?

About 2.5 lakh rupees per house for building or buying under BLC and AHP, or up to 1.80 lakh rupees as home loan interest subsidy.

Is there an awas yojana form fee?

No. Applying on the portal, at the municipal office or at a CSC for scheme purposes is free. Do not pay agents.

Can I apply if I have a kutcha house?

Yes. The rule is no pucca house. A kutcha or semi pucca house does not stop you.

Can a single man apply?

An unmarried adult earning member can be treated as a separate household under the guidelines. Check the eligibility page on the portal.

Where is the pradhan mantri awas yojana apply online form for villages?

There is no public online form for PMAY-Gramin. Names come from the survey and are approved through the gram sabha.

Official sources

Rules, amounts and portals can change. Check the official source before you apply or deposit.