What is the objective of PMAY-U 2.0 and who does it aim to benefit?

The Pradhan Mantri Awas Yojana—Urban 2.0 is a housing initiative launched by the Government of India with the primary goal of providing financial support to low-income and middle-income groups living in urban areas. The scheme seeks to ensure that every citizen has access to a pucca house, especially those who currently do not own any permanent residence. It offers a platform for economically weaker families to begin construction on their own homes and create a safe, secure environment for their families.

What kind of financial support is offered under PMAY-U 2.0?

Under the second phase of PMAY-U, the government is offering financial aid of up to ₹1 crore to eligible individuals for building their own houses. Additionally, a subsidy of ₹2.5 lakh will be provided to 1 lakh beneficiaries over the next five years. This amount is not a loan but direct financial assistance that eases the burden of housing costs for those who meet the eligibility criteria and apply through the proper channel.

What are the main components or verticals of the PMAY-U 2.0 scheme?

The PMAY-U 2.0 scheme is structured around four major verticals to ensure effective implementation. These include Beneficiary-Led Construction (BLC), which allows individuals to build on their own land; Affordable Housing in Partnership (AHP), which involves public-private partnerships for construction; Affordable Rental Housing (ARH), which supports migrants and urban poor in renting safe homes; and an Interest Subsidy Scheme, which reduces the financial burden of home loans by offering subsidies on interest rates.

Who is eligible to apply for PMAY-U 2.0?

Eligibility for the PMAY-U 2.0 scheme is clearly defined based on income groups and housing status. To apply, individuals must not own a pucca house anywhere in India. Those from low-income groups should have an annual income between ₹3 lakh and ₹6 lakh, while those from middle-income groups must have an income between ₹6 lakh and ₹9 lakh per annum. Only Indian citizens residing in urban areas who meet these criteria can apply under the scheme.

How can one apply for the PMAY-U 2.0 scheme online?

The application process for PMAY-U 2.0 is completely online, making it convenient for eligible individuals to apply from the comfort of their homes. Interested applicants need to visit the official PMAY-U website, click on the ‘Apply for PMAY 2.0’ link, and fill in personal details like name and income. Required documents such as Aadhaar card and income certificate must be uploaded. After submission, applicants need to wait for verification and approval from the concerned authorities.

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PMAY-U 2.0: Eligibility And Online Application Process

Pragya Pathak

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Updated: 28-01-2025 at 7:38 AM

PMAY-U 2.0: Eligibility And Online Application Process

Housing facility is one of the basic needs as it isn’t only about having a roof over one’s head but it is one of the ways through which one feels safe and secure. As important as it is, in reality, not everyone enjoys the fruits of this basic need, especially people residing in the urban parts of a country like India.

To ensure that every citizen of India has a roof over their head, a place they can call home and return to at the end of a hectic day, the government of India launched the Pradhan Mantri Awas Yojana—Urban. The Sarkari Yojana aims to help people from low-income groups and middle-income groups get their own houses that they can turn into homes later.

Recently, the central govt launched the second phase of the Pradhan Mantri Awas Yojana—Urban. The second phase of PMAY-U aims to provide funds of Rs 1 crore to people from low-income groups so that they can build their houses.

Details Of The PMAY-U 2.0

The second phase of the Pradhan Mantri Awas Yojana—Urban was launched to provide Rs. 1 crore to people from low-income groups and middle-income groups who reside in the urban parts of India so that they can begin the construction process of their houses. Some of the key details of the housing scheme are:

Subsidy: The govt scheme would provide a subsidy of Rs. 2.5 lakh to one lakh beneficiaries of the scheme in the next five years.
Pucca houses: PMAY-U 2.0 helps people in the construction of Pucca houses only.
Verticals: The Sarkari Yojana has four major verticals that help streamline its work. Those 4 verticals are:

Beneficiary-Led Construction (BLC)
Affordable Housing in Partnership (AHP)
Affordable Rental Housing (ARH)
Interest Subsidy Scheme

Eligibility Of PMAY-U 2.0

Interested individuals first need to ensure whether they fit into the eligibility criteria or not. The eligibility criteria are laid down below covering all the points:

People must be from low-income groups with no pucca houses.
The annual income of people from low-income groups should range from Rs. 3 lakh to Rs. 6 lakh.
The annual income of people from middle-income groups should range from Rs. 6 lakh to Rs. 9 lakh.

Online Application Process Of PMAY-U 2.0

Interested and eligible individuals can apply for the govt scheme without going to any govt office as the application process is online. The application process is mentioned below in the step-wise format:

Step 1: Please visit the official website of PMAY-U.

Step 2: Click on the ‘Apply for PMAY 2.0’ option.

Step 3: Fill in your details like name, annual income, etc.

Step 4: Upload the necessary supporting documents like an Aadhaar card, Income certificate, etc.

Step 5: Apply and wait for approval.

Conclusion

The second phase of the Pradhan Mantri Awas Yojana—Urban aims to provide subsidies to people from low and middle-income groups so that they have their own houses in the urban parts of India. It isn’t merely a Sarkari scheme that was designed to provide people with facilities but a scheme that aims to put a roof over people’s heads.

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