Pradhan Mantri Awaas Yojana — Urban (PMAY-U) — Eligibility, Documents & Apply 2026 | Sarkaari Saathi

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Pradhan Mantri Awaas Yojana — Urban (PMAY-U)

प्रधानमंत्री आवास योजना — शहरी

Ministry of Housing and Urban Affairs

💰 Benefit: Up to ₹2.50 lakh beneficiary-led subsidy or ₹1.80 lakh CLSS interest subsidy

iAbout This Scheme

PMAY-U aims to provide housing for all urban poor by 2024 through four verticals: In-Situ Slum Redevelopment, Credit Linked Subsidy Scheme (CLSS), Affordable Housing in Partnership, and Beneficiary-Led Construction. It covers EWS, LIG, and MIG beneficiaries in 4,041 statutory urban areas.

🎁Key Benefits

CLSS: interest subsidy of 3-6.5% on home loan (₹1.0-2.67 lakh NPV)
Beneficiary-Led Construction: ₹1.5 lakh central assistance for EWS families
In-Situ Slum Redevelopment: free house for eligible slum dwellers
EWS: income up to ₹3 lakh; LIG: ₹3-6 lakh; MIG I: ₹6-12 lakh; MIG II: ₹12-18 lakh
House mandatorily in name of woman member/jointly

✅Eligibility Criteria

1
Should not own a pucca house anywhere in India
2
First-time home buyers preferred for CLSS
3
Slum dwellers for ISSR vertical

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📝How to Apply

Apply Online

Apply at pmaymis.gov.in or visit nearest Urban Local Body (ULB) office

Select Component

Choose appropriate vertical (CLSS, BLC, etc.) based on eligibility

Verification

ULB verifies application; HUFA approves CLSS claims

Benefit Credit

Interest subsidy credited to loan account; or BLC grant paid in installments

❓Frequently Asked Questions

Has PMAY-U been extended?

PMAY-U 2.0 was announced in Budget 2024 to provide housing to 1 crore additional urban poor families over 5 years.

Required Documents

Aadhaar Card
Income certificate
Bank passbook
Photograph
Home loan sanction letter (for CLSS)
Property documents

Editorial note: This page is researched, written, and regularly reviewed by the Aditya Raj Hirve using official government sources and notifications. Information is verified against the originating ministry or department portal before publication. Last reviewed: July 2026.

Always verify critical details directly from the official government portal before applying.

Required Documents

Aadhaar Card

Pradhan Mantri Awaas Yojana — Urban (PMAY-U)

iAbout This Scheme

🎁Key Benefits

✅Eligibility Criteria

📝How to Apply

❓Frequently Asked Questions

Required Documents

Required Documents

Quick Info

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