PMAY-Urban - In-situ Slum Redevelopment (ISSR with Private Participation)
Free multi-storey concrete flats with private sector participation for eligible slum dwellers transferred via DBT to verified beneficiary accounts.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
PMAY Housing Benefits — Urban 2.0 Subsidy & Gramin Assistance
Urban 2.0 interest subvention (up to ₹1.80 Lakh) & Gramin pucca housing direct DBT grant
4.0% interest subsidy on home loans up to ₹8 Lakh, credited in 5 annual tranches of ₹36,000 to loan account.
₹1.20L/₹1.30L unit DBT + ₹24.3k MGNREGS wage convergence + ₹12,000 Swachh Bharat toilet grant.
📊Budget Allocation & Beneficiary Reach
Over 4.5 Lakh slum dweller families rehabilitated into multi-storey flats
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Family residing in a notified/recognized slum on the state eligibility cutoff date.
Required Documents Checklist
Verify readiness before applying for PMAY-Urban - In-situ Slum Redevelopment (ISSR with Private Participation). Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(3)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Avoid Pre-Application Document Rejections for PMAY-Urban - In-situ Slum Redevelopment (ISSR with Private Participation)
PMAY-Urban - In-situ Slum Redevelopment (ISSR with Private Participation) involves specialized bank appraisals, CIBIL eligibility, or survey quotas. Avoid paying unverified agents or cyber cafe fees — get an independent pre-application document audit and verified checklist.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
* Notice: We provide pre-application document checklists only; loan sanction rests solely with official lending banks.
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Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
City-wide biometric slum survey conducted by Urban Local Body.
- 2
Slum dwellers issued biometric survey slips and verified on cutoff dates.
- 3
Transit accommodation provided during construction; permanent flat allocated through computerised draw.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Non-resident in surveyed slum on eligibility cutoff date or owning pucca property elsewhere.
Official Government Application Portal
You will be redirected to the secure official portal: pmay-urban.gov.in
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Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
Is the flat registered in the name of the female head of the family?
Yes, PMAY-U mandates that houses must be registered in the name of the female head or jointly with spouse.
Source: Official Scheme FAQ ↗Who is eligible to apply for PMAY-Urban - In-situ Slum Redevelopment (ISSR with Private Participation)?
Eligible applicants must satisfy official government criteria for PMAY-Urban - In-situ Slum Redevelopment (ISSR with Private Participation). Age: min 18 max 75 years. Annual family income ceiling: ₹3,00,000. Conditions: Family residing in a notified/recognized slum on the state eligibility cutoff date..
Source: Official Scheme FAQ ↗What are the key benefits provided under PMAY-Urban - In-situ Slum Redevelopment (ISSR with Private Participation)?
Under official guidelines for PMAY-Urban - In-situ Slum Redevelopment (ISSR with Private Participation), beneficiaries are entitled to: Provides an upfront central grant of ₹1,00,000 per house to private developers using land as a resource to construct permanent multi-storey earthquake-resistant housing with attached toilet, water, and electricity completely free of cost for eligible slum residents.
Source: Official Scheme FAQ ↗How do I apply for PMAY-Urban - In-situ Slum Redevelopment (ISSR with Private Participation)? What is the official process?
To apply for PMAY-Urban - In-situ Slum Redevelopment (ISSR with Private Participation), applicants should follow the official procedure: 1. City-wide biometric slum survey conducted by Urban Local Body. 2. Slum dwellers issued biometric survey slips and verified on cutoff dates. 3. Transit accommodation provided during construction; permanent flat allocated through computerised draw.
Source: Official Scheme FAQ ↗Can I track my PMAY-Urban - In-situ Slum Redevelopment (ISSR with Private Participation) application status?
Application status for PMAY-Urban - In-situ Slum Redevelopment (ISSR with Private Participation) can typically be tracked through the official portal at pmay-urban.gov.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline or visit your nearest Common Service Centre (CSC).
What should I do if my PMAY-Urban - In-situ Slum Redevelopment (ISSR with Private Participation) payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving PMAY-Urban - In-situ Slum Redevelopment (ISSR with Private Participation) benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Non-resident in surveyed slum on eligibility cutoff date or owning pucca property elsewhere.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-18 | scheme_type | cs | Official Source ↗ |
| 2026-10-18 | implementation_agency | Ministry of Housing & Urban Affairs (MoHUA) | Official Source ↗ |
| 2026-10-06 | short_description | Free multi-storey concrete flats with private sector participation for eligible slum dwellers transferred via DBT to verified beneficiary accounts. | Official Source ↗ |
| 2026-09-26 | initial_verification | Baseline verification of PMAY-Urban - In-situ Slum Redevelopment (ISSR with Private Participation) guidelines, benefits, and portal integration. | Official Source ↗ |
⚖Compare with Similar Schemes
Side-by-side eligibility, benefit, and effort comparison:
Application Window & Deadlines
City-wide slum redevelopment projects as notified by State/ULB
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 23d ago from .gov.in source
Requires documentation or office visit
Related Welfare Programs
Central housing mission providing central assistance and interest subsidies to urban poor, EWS, LIG, and Middle-Income groups for pucca housing.
Flagship rural housing program providing financial assistance to houseless rural households and those living in dilapidated houses to construct pucca dwellings.
Micro-credit working capital loan facility providing collateral-free loans up to ₹50,000 with 7% interest subsidy and cashback for urban street vendors.
📅Scheme Milestone Timeline
Free multi-storey concrete flats with private sector participation for eligible ...
Official Source ↗Baseline verification of PMAY-Urban - In-situ Slum Redevelopment (ISSR with Priv...
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Official Helpline & Nodal Offices
PMAY-Urban Mission Directorate, MoHUA
Nirman Bhawan, New Delhi 110011
Helpline: 011-23063285
Jurisdiction: Central (All India)Notice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-09-26 against official government documentation.
Eligo is an independent information platform unaffiliated with any government body. Always confirm latest terms directly on the official portal.