PMAY-U 2.0: Permanent Home for Urban Families, Know the Application Process

PMAY-U 2.0: The government will complete crores of houses by December 2025 to build permanent houses in Pradhan Mantri Awas Yojana-Urban (PMAY-U 2.0) areas. PMAY-U has been running since 2015. This PM Awas Yojana is a significant initiative run by the Prime Minister. Let’s find out how you can apply for this Pradhan Mantri Awas Yojana (Urban) or PMAY-Urban and whether you are eligible.

If you already know about the PM Awas Yojana and don’t know how eligible candidates in urban areas can benefit from it, we’ll provide you with all the information.

What is PM Awas Yojana Urban? (What is PMAY-Urban)

Pradhan Mantri Awas Yojana-Urban (PMAY-U) is the flagship scheme of the Ministry of Housing and Urban Affairs. Its objective is to provide affordable housing to the economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG) in urban areas.

So far, 11.8 million houses have been approved. The central government announced an extension to complete this project by 2025. This includes EWS, LIG, and MIG households. The scheme is implemented through four verticals: Beneficiary-Led Construction (BLC), Affordable Housing in Partnership (AHP), In-Situ Slum Redevelopment (ISSR), and the Credit-Linked Subsidy Scheme (CLSS, which is phased out in 2022).

Let’s discuss these four main verticals of PMAY-Urban:

1. In-Situ Slum Redevelopment (ISSR)

For slum dwellers

Pucca houses on the spot

2. Credit Linked Subsidy Scheme (CLSS)

Interest subsidy for home loan borrowers

Most beneficial for the middle class

3. Affordable Housing in Partnership (AHP)

Government and private builders jointly build affordable homes

4. Beneficiary Led Construction (BLC)

Those who own land can build their own homes

Affordable Rental Housing Complexes (ARHC) – Affordable rental housing for laborers. Over 82,000 units have been approved. We know that urbanization is growing rapidly. According to the 2011 census, there was a shortage of 11.2 million houses in cities, which was subsequently addressed by PMAY-U. PMAY-U 2.0 now focuses on ARHCs and building houses using government land or PPP models.

Why PMAY-U was launched?

PMAY-U’s primary goal is to address the urban housing shortage. Under this initiative, the government provides central assistance of up to ₹1.5 lakh per house to eligible EWS families in the BLC and AHP verticals. Slum Redevelopment (ISSR) provides assistance of ₹1 lakh per house.

Now, let’s discuss the income limit for the urban section of the PM Awas Yojana.

Eligibility for the Scheme

Under this scheme, only those who do not own a permanent house anywhere in India are eligible. A family consists of a husband, wife, and unmarried children; if an adult member earns, they are considered a separate household.

The income limits are:

• EWS (Economically Weaker Section): Annual income up to ₹3 lakh
• LIG (Low Income Group): Annual income between ₹3 lakh and ₹6 lakh
• MIG-I (Middle Income Group-1): Annual income between ₹6 lakh and ₹12 lakh
• MIG-II (Middle Income Group-2): Annual income between ₹12 lakh and ₹18 lakh

Aadhaar card or virtual ID is mandatory. The scheme provides an extra quota for SC/ST/OBCs, with special provisions for transgenders and the disabled. By 2024, 8 million houses have been completed.

How to apply for the PMAY-U 2.0 scheme?

We’ve outlined the complete process for applying for the scheme below:

• First, visit the official website at pmay-urban.gov.in.
• Afterward, click on “Apply for PMAY-U 2.0” on the homepage.
• Read the instructions, press “Click to Proceed.”
• Check the document list, then press “Proceed.”
• Check eligibility by entering your state, property, and income.
• Enter your Aadhaar number and verify it with an OTP.
• Enter personal, family, address, bank, and loan details in the beneficiary survey form.

Upload all the required documents and submit

Once submitted, you’ll receive a Unique ID, which can be used to track your status.

Through the portal, app, or SMS. DBT payments are made in installments based on progress of 25%, 50%, 75%, and 100%. Monitoring is possible through geo-tagging on the BHUVAN portal.

• Before applying, KYC must be checked. Log in to pmay-urban.gov.in/mis/myaccount. If rejected, appeal.

Required Documents

Aadhaar Card (Must!)

PAN Card

Income Proof (Salary Slip, ITR, Form-16)

6 Months Bank Statement

Address Proof (Electricity Bill, Rent Agreement)

ID Proof (Voter ID, Driving License)

EWS/LIG Certificate

Cast Certificate (if applicable)

Property Papers (Map, Valuation)

Learn About PMAY-U 2.0 Updates

Under PMAY-U 2.0, the central government has extended the deadline for completion of all approved houses. The government has extended the deadline for completion of all houses approved under PMAY-U by March 31, 2022, to December 31, 2025. This will allow thousands of beneficiaries to complete their houses on time.

What’s happening in ARHCs?

Affordable Rental Housing Complexes (ARHCs) are also being developed under PMAY-U 2.0 (PM Awas Yojana). Under Model 1, 5,648 vacant government houses have been converted into ARHCs. Under Model 2, 82,273 new units have been approved for seven states. Of these, 35,425 have been completed.

State-wise progress and latest approvals are available at pmay-urban.gov.in/sanction-and-releases-order.

Conclusion

Under the Pradhan Mantri Awas Yojana-Urban (PMAY-U), urban families who do not own a permanent house anywhere in the country are eligible for PMAY-U 2.0. EWS, LIG, and MIG categories can apply by visiting the website pmay-urban.gov.in. You can also apply through a CSC or ULB.