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ActiveCentral Sector SchemeLaunched 2015-06-25Verified: 2026-09-16

Pradhan Mantri Awas Yojana - Urban (PMAY-U / Housing for All)

Central housing mission providing central assistance and interest subsidies to urban poor, EWS, LIG, and Middle-Income groups for pucca housing.

Government Levelcentral Government
Administering BodyMinistry of Housing and Urban Affairs
Beneficiary Sector
Housing & Urban Development
Applicable Jurisdiction
All India

₹Benefits & Entitlement Breakdown

Central financial assistance of up to ₹1.5 lakh to ₹2.5 lakh depending on the vertical: In-situ Slum Redevelopment (ISSR: ₹1 lakh/house), Beneficiary-led Construction (BLC: ₹1.5 lakh/house), Affordable Housing in Partnership (AHP: ₹1.5 lakh/house), and Credit Linked Subsidy Scheme (CLSS / Interest Subsidy Scheme under PMAY-U 2.0 up to ₹1.80 lakh interest subsidy over 5 years on home loans up to ₹25 lakh for EWS/LIG/MIG). Houses include basic civic amenities like water, sanitation, and electricity.

📊Budget Allocation & Beneficiary Reach

Fiscal Budget Allocation

₹54,500 Crore (Union Budget FY 2024-25 Demand for Grants, MoHUA)

Official Budget Document ↗
Verified Beneficiary Reach

1.18+ Crore houses sanctioned, 85+ Lakh completed

As of: 2024-03-31PIB / Official Citation ↗

Verified Eligibility Criteria

Age Requirement:Minimum 18 years
Annual Family Income Ceiling:₹9,00,000 per annum
Target Occupations:all
Eligible Gender:all
Social Category / Reservation:all
Specific Operational Conditions & Exclusions:

Beneficiary family (husband, wife, unmarried children) must not own a pucca house in their name or any family member name anywhere in India. Income ceilings: EWS up to ₹3,00,000; LIG ₹3,00,001 to ₹6,00,000; MIG up to ₹9,00,000 under PMAY-U 2.0. Mandatory female head ownership or co-ownership of the pucca house, except where no adult female member exists in the household. Must reside in a statutory town or notified planning area.

Required Documents Checklist

  • ✓
    Aadhaar Card of all family membersMandatory

    Mandatory identity proof and biometric verification.

  • ✓
    Income Certificate / Salary Slips / Form 16Mandatory

    Proof of family income falling within EWS/LIG/MIG limits.

  • ✓
    Aadhaar-seeded Bank Account PassbookMandatory

    For direct benefit transfer of construction assistance.

  • ✓
    Proof of Residence / Voter ID / Ration CardMandatory

    Proof of residing in the statutory urban jurisdiction.

  • ✓
    Land Title Deed / Record of RightsMandatory

    Proof of land ownership required for Beneficiary-Led Construction (BLC).

  • ✓
    Affidavit / Self-Declaration of not owning a pucca houseMandatory

    Notarized declaration certifying no pucca house ownership in India.

How to Apply

1. Visit the official PMAY-MIS portal (https://pmaymis.gov.in) or PMAY-U 2.0 unified portal (https://pmayu2.gov.in). 2. Click on "Citizen Assessment" or "Apply Online" and select the appropriate vertical (e.g. Beneficiary Led Construction or ISSR). 3. Enter 12-digit Aadhaar number and applicant name as per Aadhaar; complete Aadhaar OTP verification. 4. Fill in applicant personal details, current urban address, contact number, and bank account information. 5. Enter family member details with their respective Aadhaar numbers and specify annual household income. 6. Provide ownership details of existing land/kutcha house and upload required land/income documents. 7. Submit application, note down the generated Assessment ID, and track application status through the portal.

Official Government Application Portal

You will be redirected to the secure official portal: pmaymis.gov.in

Apply on official government website

Frequently Asked Questions (Officially Sourced)

Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.

Who is considered a family under PMAY-U?

A beneficiary family comprises husband, wife, unmarried sons and/or unmarried daughters. An adult earning member may be treated as a separate household provided they do not own a pucca house.

Source: Official Scheme FAQ ↗

Is it mandatory for the house to be registered in a woman name?

Yes, houses provided under PMAY-U must be registered in the name of the female head of the household or in the joint name of the male head and his wife, except in cases where there is no adult female member in the family.

Source: Official Scheme FAQ ↗

Can an individual who already owns an unbuilt plot apply for PMAY-U?

Yes, individuals owning a land plot with an existing kutcha house or unbuilt plot within statutory town limits can apply under the Beneficiary-Led Construction (BLC) vertical.

Source: Official Scheme FAQ ↗

Common Rejection Reasons & Warnings

Existing pucca house registered in the applicant or family member name anywhere in India; annual household income exceeding the ceiling for the chosen vertical; Aadhaar mismatch; applicant town/area not covered under notified statutory urban limits.

Editorial Verification & Change Log

DateFieldDescription / UpdateSource Citation
2026-09-16initial_verificationBaseline verification of PMAY-U guidelines and PMAY-U 2.0 extension from official MoHUA portals.Official Source ↗

Application Window & Deadlines

Open throughout the year (Rolling basis)

Related Welfare Programs

Pradhan Mantri Awas Yojana - Gramin (PMAY-G)

Flagship rural housing program providing financial assistance to houseless rural households and those living in dilapidated houses to construct pucca dwellings.

PM Street Vendor AtmaNirbhar Nidhi (PM SVANidhi)

Micro-credit working capital loan facility providing collateral-free loans up to ₹50,000 with 7% interest subsidy and cashback for urban street vendors.

PM Surya Ghar: Muft Bijli Yojana (Rooftop Solar)

Central renewable energy scheme providing central subsidies up to ₹78,000 for installing residential rooftop solar systems and delivering up to 300 units of free monthly electricity.

Official Helpline & Nodal Offices

Central Project Management Unit, PMAY-U, Ministry of Housing and Urban Affairs

Nirman Bhawan, Maulana Azad Road, New Delhi - 110011

Helpline: 011-23063285 / 011-23060484

Jurisdiction: National (All-India)

Notice a Discrepancy?

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Verification Metadata

Last verified by Eligo researchers on 2026-09-16 against official government documentation.

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