PMAY Urban 2.0: Eligibility, Verticals and Benefits

What PMAY Urban 2.0 is and when it started

The Prime Minister announced a new housing scheme for weaker sections and the middle class on 15 August 2023. The Union Cabinet approved PMAY-U 2.0 on 9 August 2024, and the Prime Minister launched it with its Operational Guidelines on 17 September 2024.

The official scheme period is five years from 1 September 2024. PIB describes it as running from 2024 to 2029. The Cabinet text sets these targets:

• Help 1 crore urban poor and middle-class families to build, buy or rent a house.
• Total investment of Rs 10 lakh crore, with government assistance of Rs 2.30 lakh crore.
• The Credit Risk Guarantee Fund corpus raised from Rs 1,000 crore to Rs 3,000 crore.

The scheme covers all Statutory Towns as per Census 2011, towns notified later, and areas inside notified planning areas and development authority limits. PMAY-U 2.0 is a Centrally Sponsored Scheme, except the Interest Subsidy Scheme, which is a Central Sector Scheme.

The four verticals of PMAY 2.0

A vertical is the type of help you choose. A family can pick only one. The official portal warns: “Once a vertical is selected, then it cannot be changed at later stage.” So read this table before you apply.

In AHP, buyers in private projects get Redeemable Housing Vouchers. ARH has two models: Model 1 converts existing government-funded vacant houses into rentals, and Model 2 is construct, operate and maintain by public or private agencies.

Note: “CLSS” (Credit Linked Subsidy Scheme) belonged to the old PMAY-U 1.0. In PMAY 2.0, the home loan option is called ISS.

Income limits: EWS, LIG and MIG

Eligibility in PMAY Urban starts with annual household income:

Other key rules: no family member should own a pucca house anywhere in India, and the family should not have taken a housing benefit under any central, state or UT scheme in the last 20 years. NRIs are not eligible. The full list, with documents and the Gramin rules side by side, is on our PMAY eligibility page.

How much help each vertical gives

For BLC and AHP, the Centre and State share the cost per house. The Cabinet text (9 August 2024) gives:

• North-Eastern States, Himachal Pradesh, Uttarakhand, UTs of J&K, Puducherry and Delhi: Centre Rs 2.25 lakh, State at least Rs 0.25 lakh.
• Other UTs: Centre Rs 2.50 lakh.
• Remaining States: Centre Rs 1.50 lakh, State at least Rs 1.00 lakh.

The beneficiary must put in at least 25% of the house or project cost. Under BLC, money is released in instalments in the ratio 40:40:20.

Under ISS, home loans up to Rs 25 lakh for houses worth up to Rs 35 lakh qualify. A 4% interest subsidy applies on the first Rs 8 lakh of the loan, for tenure up to 12 years. The maximum subsidy is Rs 1.80 lakh, released in 5 yearly instalments. Lenders (PLIs) must not charge a processing fee on loans up to the eligible amount. For a full breakdown of amounts and how to check payments, see PM Awas Yojana amount and installments.

Who gets priority and whose name goes on the house

The Operational Guidelines say the house should be in the name of the female head of the family, or jointly with the male head and his wife. A man’s name alone is used only when there is no adult woman in the family. Widowers, unmarried or separated persons and transgender persons get the house in their own name.

Priority goes to widows, single women, Persons with Disabilities, senior citizens, transgender persons, SC/ST, minorities and other weaker sections. There is special focus on Safai Karmis, PM SVANidhi street vendors, PM Vishwakarma artisans, Anganwadi workers, building and construction workers, and slum or chawl residents.

States may also set a residency cut-off date, so check with your city body (ULB).

PMAY-U 1.0 versus PMAY 2.0

Many people mix up the two phases. PMAY-U (often called 1.0) began on 25 June 2015 and had four verticals: BLC, AHP, ISSR and CLSS. Its period was extended several times only to finish houses already sanctioned, most recently to 30 September 2026 (PIB press note posted 16 September 2026). As of 14 October 2026, we found no source showing a further extension. New applications today go to PMAY 2.0.

As on 9 August 2026, PIB reported 1.25 crore houses sanctioned across both phases, with more than 1 crore completed and delivered.

Latest progress of PMAY Urban 2.0

PIB reported that as on 9 August 2026, 18.38 lakh houses were sanctioned under PMAY-U 2.0: BLC 14.40 lakh, AHP 2.48 lakh, ISS 1.36 lakh and ARH 13,046 units. According to news reports (Akashvani, 12 September 2026), the meeting of 10 September 2026 took the total to 18.77 lakh, with about 92% allotted to women.

The official portal home page, viewed on 14 October 2026, showed 18.78 lakh houses sanctioned and 5,206 cities and towns covered, but it gives no as-of date.

How to use PMAY 2.0: next steps

1. Check your annual household income and decide your category (EWS, LIG or MIG).
2. Pick the one vertical that fits: own land (BLC), buy a flat (AHP), rent (ARH) or take a home loan (ISS).
3. Keep Aadhaar, bank details, income certificate and, for BLC, land papers ready.
4. Apply on the official Unified Web Portal at pmaymis.gov.in, or through a CSC or your ULB.
5. Save your Application ID and follow it using our PMAY 2.0 track application guide.

Menus on the portal change. If the screen looks different, look for “Apply for PMAY-U 2.0” or ask your municipality. Applying through the official portal does not need any agent. Never pay anyone who promises a house, and never share an OTP, Aadhaar or bank details with unknown callers. For phone numbers, see PMAY helpline.