Pradhan Mantri Awas Yojana - Urban
Home loan interest subsidy up to ₹2.67 lakh · EWS/LIG/MIG households · urban areas across India
PMAY-U helps urban families from EWS, LIG, and MIG income groups buy, build, or improve a home in Indian cities through interest subsidies on home loans. The scheme covers slum rehabilitation, affordable housing projects, and individual house construction for economically weaker sections. Applications can be made online at pmaymis.gov.in or offline at any Common Service Centre.
About This Scheme
PMAY-U helps urban families from EWS, LIG, and MIG income groups buy, build, or improve a home in Indian cities through interest subsidies on home loans. The scheme covers slum rehabilitation, affordable housing projects, and individual house construction for economically weaker sections. Applications can be made online at pmaymis.gov.in or offline at any Common Service Centre.
Full official description
A flagship mission implemented by MoHUA, addressing urban housing shortage. The beneficiaries include Economically Weaker Section (EWS) / Low Income Group (LIG) and Middle Income Group (MIG) categories, including slum dwellers, by ensuring a pucca house to all eligible urban households by 2022. All eligible beneficiaries under all components of the scheme should have an Aadhaar/ Aadhaar Virtual ID. The Mission, as per Census 2011, covers the entire urban area consisting of Statutory Towns, Notified Planning Areas, Development Authorities, Special Area Development Authorities, Industrial Development Authorities or any such authority under State legislation which is entrusted with the functions of urban planning & regulations.
The objective of the scheme is to improve the affordability of land and property amidst the continuous surge in prices. PMAY promotes and encourages sustainable and affordable housing. PMAY is a Credit Linked Subsidy Scheme (CLSS) and is also known by the name "Housing for All by 2022". Individuals availing loans to buy residential property or land or to construct homes would be eligible for interest subsidies on the said credit.
Benefits
- Interest subsidy on home loans for EWS/LIG/MIG borrowers (subsidy amount and house size eligibility varies by category)
- EWS/LIG: house up to 30–60 sq m
- MIG-1: house up to 160 sq m
- MIG-2: house up to 200 sq m
- Slum rehabilitation: free housing for slum dwellers in partnership with private developers
- Affordable housing in partnership: central assistance per EWS unit in projects where 35%+ houses are for EWS
- Beneficiary-led construction: subsidy for individual EWS households to build or upgrade their own home
💡 Why Startups Should Care
Proptech founders: PMAY-Urban's CLSS component runs through banks and NBFCs, creating a loan origination and subsidy tracking workflow that is still largely manual — there is a clear opportunity to streamline eligibility checks, subsidy calculation, and documentation for first-time urban homebuyers.
Who Can Apply (Eligibility)
- Must be an urban resident in a city/town covered under the scheme
- Must belong to one of these income groups:
- EWS: Annual household income up to ₹3,00,000
- LIG: ₹3,00,001 to ₹6,00,000
- MIG-1: ₹6,00,001 to ₹12,00,000
- MIG-2: ₹12,00,001 to ₹18,00,000
- Neither the applicant nor any family member should own a pucca house anywhere in India
- Must not have previously benefited from any central government housing scheme
- Family unit is husband, wife, and unmarried children
- Aadhaar/Aadhaar Virtual ID is mandatory for all components
Exclusions
- Not available to households that already own a pucca house anywhere in India (in the name of the applicant or spouse)
- MIG benefits are not available to households above ₹18 lakh annual income
- Beneficiaries of previous government housing schemes are not eligible
How to Apply
- Check your eligibility by income group: EWS (up to ₹3 lakh/year), LIG (₹3–6 lakh), MIG-I (₹6–12 lakh), MIG-II (₹12–18 lakh).
- Approach any Primary Lending Institution (bank, NBFC, or housing finance company) to apply for a home loan under CLSS (Credit Linked Subsidy Scheme).
- The lending institution applies on your behalf to the Central Nodal Agency (NHB or HUDCO) to claim the subsidy.
- The subsidy amount is credited upfront to your loan account, reducing your effective principal.
- For slum redevelopment or beneficiary-led construction components, contact your Urban Local Body (ULB) or municipality.
Frequently Asked Questions
Is the entire mission implemented as Centrally Sponsored Scheme (CSS)?
Except for the component of Credit Linked Subsidy which is implemented as a Central Sector Scheme, the rest of the mission is implemented as Centrally Sponsored Scheme (CSS).
I need to know the technical specifications, construction standards of the houses/slums that will be built under this scheme?
The houses must conform to the standards provided in National Building Code (NBC) and Bureau of Indian Standards (BIS). For a detailed description of the houses/slums, please refer Section-2 of the scheme guidelines: https://pmay-urban.gov.in/uploads/guidelines/60180813309f2-Updated%20guidelines%20of%20PMAY-U.pdf
Are there any sections that would be given preference while providing the benefits?
Preference will be given to differently-abled persons, senior citizens, SCs, STs, OBCs, Minority, single women, transgender and other weaker & vulnerable sections of the society.
Will I still be eligible to apply for government’s ongoing or upcoming schemes if I apply for PMAY-U?
The benefits of all existing and future rural schemes will not be denied to a beneficiary solely on the grounds that she/he has availed a house under PMAY(U).
I am a beneficiary of PMAY (G) but I am in the permanent waitlist. What are my options?
The beneficiaries in the permanent wait list of PMAY (G) will have the flexibility for opting for a house under PMAY(G) or PMAY(U).
How do I know if my town is covered under the scheme?
You can visit https://pmay-urban.gov.in/pmayprogress to check the same. Alternatively, you can visit https://pmay-urban.gov.in/ and head to "City Wise Progress".
For how am I required to be residing in an urban area to become a beneficiary under this scheme?
The States/UTs, at their discretion, may decide a cut-off date on which beneficiaries need to be a resident of that urban area for being eligible to take benefits under the scheme.
Will central assistance be provided for rehabilitation of dwellers from slums built on private land?
No, slums built on private land are not covered under central assistance.
Is there a private entity authorised by MoHUA to collect fee from the beneficiary under PMAY-U?
No private entity/persons have been authorised by MoHUA to collect this fee from any beneficiary under this scheme.
How do I know if a field in the application form is mandatory?
The mandatory fields have a red asterisk (*) mark at the end.
How do I check my application status?
There are two ways in which the applicant can check his/her application status: Method-1: Using Assessment ID.
Step 1: Log on to the Pradhan Mantri Awas Yojana website: http://pmaymis.gov.in/Track_Application_Status.aspx or go to the 'Citizen Application' option and then choose the 'Check Status' button.
Step 2: When you hit the track button, there will be two options displayed: 'By Name, Father's Name & Mobile No' and 'By Assessment ID'.
Step 3: Choose the 'By Assessment ID' option.
Step 4: Enter the Assessment ID & Mobile Number that was assigned when the form was filled and submitted.
Step 5: After filling in the details, click 'Submit'.
Step 6: The user can view the progress of his/her application.
Method-2: Using Name, Father's Name and Mobile Number.
Step 1: Log on to the Pradhan Mantri Awas Yojana website (pmaymis.gov.in) and go to the 'Citizen Application' option and then choose the 'Check Status' button.
Step 2: After clicking on the know your status button, choose the 'By Name, Father's Name & Mobile No' option.
Step 3: Once this is done, provide the State, District and City details.
Step 4: The next step is to fill in the Name, Father's name and Mobile Number.
Step 5: Once this done, Click 'Submit'.
Step 6: Once this done, the status can be viewed.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
- Aadhaar card
- Income proof (salary slip, IT return, or self-declaration)
- Property documents or allotment letter
- Bank account details
- Affidavit confirming no pucca house in the applicant's or spouse's name anywhere in India