HousingNational SchemeOngoing
प्रधानमंत्री आवास योजना - शहरी (PMAY-U)
EWS/LIG/MIG परिवारों को घर बनाने या खरीदने पर होम लोन में 3-6.5% ब्याज सब्सिडी।
Ministry of Housing and Urban Affairs
What you get
EWS/LIG (₹6 लाख तक आय) — ₹6 लाख तक ऋण पर 6.5% सब्सिडी। MIG-I (₹12 लाख तक) — ₹9 लाख तक पर 4% सब्सिडी। MIG-II (₹18 लाख तक) — ₹12 लाख तक पर 3% सब्सिडी। सब्सिडी तुरंत ऋण खाते में जमा होती है, जिससे EMI कम होती है।
Who can apply
Urban households from EWS (income up to ₹3 lakh), LIG (₹3-6 lakh), MIG-I (₹6-12 lakh), and MIG-II (₹12-18 lakh) annual income categories.
For: Urban households without pucca house
Income limit: Up to ₹18 lakh annual household income
- Should not own a pucca house anywhere in India
- Should not have availed housing loan subsidy earlier under any scheme
- Women co-ownership encouraged for EWS/LIG
Documents required
General
- Aadhaar card of all adult members
- Income certificate / IT returns
- Bank account details
- Property documents
- Construction approval (if applicable)
- Photos
Scheme code: PMAY-U