HousingNational SchemeOngoing
Pradhan Mantri Awas Yojana – Urban (PMAY-U)
PMAY-U provides Rs 1 lakh–2.67 lakh subsidy for urban poor to buy, build or upgrade homes through Credit Linked Subsidy and Affordable Housing schemes.
Ministry of Housing and Urban Affairs, GoI
What you get
EWS/LIG Credit Linked Subsidy: Rs 2,67,280 (6.5% interest subsidy on Rs 6 lakh, 20 years). MIG-I: Rs 2,35,068 (4% subsidy on Rs 9 lakh). MIG-II: Rs 2,30,156 (3% on Rs 12 lakh). Beneficiary-Led Construction (BLC): Rs 1.5 lakh for EWS. Partnership with States for Affordable Housing.
Who can apply
Urban households without pucca house. EWS: income below Rs 3 lakh; LIG: Rs 3–6 lakh; MIG-I: Rs 6–12 lakh; MIG-II: Rs 12–18 lakh.
For: Urban EWS, LIG and MIG households
Income limit: Up to Rs 18 lakh annual income (MIG-II)
- Must not own pucca house in any urban area in India
- Aadhaar linked bank account
- Apply through CLSS Awas Portal or State Urban Development Agency
Documents required
General
- Aadhaar card
- Income certificate from employer or CA
- Bank passbook
- Property documents
- Affidavit of no pucca house ownership
Scheme code: PMAY-U