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

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

1

Apply Online

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

2

Select Component

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

3

Verification

ULB verifies application; HUFA approves CLSS claims

4

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.

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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