PM Awas Yojana Urban 2.0: Apply Online, Check Eligibility, and Benefits

PM Awas Yojana Urban 2 0:- The Pradhan Mantri Awas Yojana Urban 2.0 (PMAY-U 2.0) is an initiative by the Government of India aimed at providing affordable housing to all urban residents. Launched on September 1, 2024, this extension of the “Housing for All” mission is designed to address the housing needs of economically weaker sections (EWS), lower-income groups (LIG), and middle-income groups (MIG). The scheme operates under four verticals: Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH), and Interest Subsidy Scheme (ISS).

Key Features of PM Awas Yojana Urban 2 0

• Mission Duration: 5 years (from September 1, 2024)
• Eligibility: EWS, LIG, and MIG families who do not own a pucca house anywhere in India.
• Focus on Women: Houses built under the scheme are typically registered in the name of the female head of the household, or jointly with her spouse.
• Amenities: Basic facilities like water, electricity, sanitation, and roads, with provisions for rainwater harvesting and solar energy systems.
• Environmental Sustainability: The scheme promotes eco-friendly and accessible housing, particularly for Persons with Disabilities.

Objectives of PM Awas Yojana Urban 2.0

The scheme’s primary goal is to provide permanent housing to homeless citizens in urban areas, improving their living conditions and social status. By focusing on affordable and inclusive housing, the government aims to significantly reduce homelessness across urban India, building on the success of the previous phase, which saw 2.62 crore homes constructed nationwide.

PM Awas Yojana Urban 2.0

Coverage and Implementation

The scheme covers all statutory towns listed in the 2011 Census and any newly notified towns. Additionally, new towns can be added with the Ministry of Housing and Urban Affairs (MoHUA)’s approval. The Urban Local Bodies (ULBs) or other designated state agencies are responsible for implementing the scheme at the city level. Beneficiary selection is done by a committee led by the District Magistrate or Municipal Commissioner.

Eligibility Criteria

To qualify for PMAY-U 2.0, applicants must meet the following conditions:

• Must be a permanent resident of India.
• EWS households must have an annual income up to ₹3 lakh, LIG between ₹3-6 lakh, and MIG between ₹6-9 lakh.
• The applicant should not own a pucca house anywhere in India.
• Priority is given to vulnerable groups such as widows, single women, persons with disabilities, and senior citizens.

Benefits

• Affordable Housing: The scheme offers financial assistance for the construction or purchase of homes.
• Interest Subsidy: Beneficiaries can avail themselves of interest subsidies on home loans, making homeownership more accessible.
• Inclusive Housing: Special provisions ensure housing is accessible to persons with disabilities and other vulnerable groups.

Vertical Components

1. Beneficiary Led Construction (BLC): Provides financial assistance for individuals to build their own homes.
2. Affordable Housing in Partnership (AHP): Supports affordable housing projects developed through partnerships with private builders.
3. Affordable Rental Housing (ARH): Focuses on rental housing solutions for low-income migrants.
4. Interest Subsidy Scheme (ISS): Offers an interest subsidy on home loans to make homeownership affordable.

PM Awas Yojana Urban 2.0 Apply Online

Eligible families can apply online through the official PMAY website (https://pmaymis.gov.in) or offline at designated centers. Beneficiaries are selected based on their adherence to the scheme’s eligibility criteria, and a transparent process is followed to ensure fairness.

• Visit the official PMAY website.

• On the homepage click on the “Apply Now” option or click on the link given below

• A new page with appear on your desktop screen, the applicants must enter their Aadhar number or virtual ID tick the consent box and click on “Check” button.
• Now the application form will appear on your desktop screen the applicant must enter all the details that are asked and attach all the necessary documents.
• After entering all the details, the applicant must review the form.
• Click on the “Submit” button to complete the application process.

PM Awas Yojana Search Beneficiary

• Visit the official website.
• On the homepage click on “Beneficiary Wise Funds Released” under “Search Beneficiary” option.

• On another page enter your registered mobile number and click on the “Send OTP” button.
• Enter the OTP and click on the “View” button to complete the process.

Check PM Awas Yojana Application Status

•  Visit the official website.
• On the homepage click on the “Track Status” option or click on the link given below

• A new page will appear on your screen, you will be given two choices whether you want to check the status with “Name, Father’s Name & Mobile No”, or “Assessment ID”.
• If you select to check the status by father’s name the applicant must enter their state, district, father’s name, mobile number, and city name.
• If the applicant chooses assessment ID the applicant must enter their assessment ID and mobile number.
• After entering all the details click on the “Submit” button to complete the process.

PMAY Urban 2.0 Funding Pattern

The funding structure for PM Awas Yojana Urban 2.0 varies across its different verticals, with financial contributions coming from the Central Government, State Governments, and beneficiaries. The specific amount of funding depends on the state or union territory and follows certain minimum requirements for each category. In addition to these contributions, additional grants are available for adopting innovative construction techniques, and agencies can access loans to further support housing development.

For states like Assam, Arunachal Pradesh, Meghalaya, Manipur, Mizoram, Nagaland, Tripura, Sikkim, Himachal Pradesh, Uttarakhand, and the Union Territories of Jammu and Kashmir, Puducherry, and Delhi, the Central Government contributes Rs. 2.25 lakh per unit under the Beneficiary Led Construction (BLC) and Affordable Housing in Partnership (AHP) verticals, while the State Government provides a minimum of Rs. 0.25 lakh per unit.

For Affordable Rental Housing (ARH), the Central Government offers Rs. 3,000 per square meter, with the State Government contributing Rs. 2,000 per square meter. Under the Interest Subsidy Scheme (ISS), beneficiaries can receive up to Rs. 1.80 lakh based on actual releases.

For all other Union Territories, the Central Government provides Rs. 2.50 lakh per unit under the BLC and AHP verticals. In other states, the Central Government contributes Rs. 1.5 lakh per unit, while the State Government is required to contribute at least Rs. 1.00 lakh per unit.

Interest Subsidy Scheme (ISS)

The Interest Subsidy Scheme (ISS) is a government initiative designed to make housing more affordable by offering financial aid on home loans. It provides interest subsidies to qualifying beneficiaries from Economically Weaker Sections (EWS), Lower Income Groups (LIG), and Middle Income Groups (MIG) for purchasing, constructing, or repurchasing homes. Eligibility is determined by annual income, with thresholds set at up to Rs. 3 lakh for EWS, Rs. 6 lakh for LIG, and Rs. 9 lakh for MIG. Beneficiaries are eligible for a 4% interest subsidy on loans up to Rs. 25 lakh for homes priced at a maximum of Rs. 35 lakh. The total benefit, capped at Rs. 1.80 lakh, is paid out over five yearly installments.

Applicants must provide proof of income, and the subsidy applies only once per property. If the property is sold, the new owner cannot claim the subsidy. To prevent duplicate benefits, loans must be linked to the applicant’s Aadhaar ID. Subsidy distribution is managed by Central Nodal Agencies (CNAs), which work with Participating Lenders (PLIs). Once a loan is approved, the subsidy is credited directly to the borrower’s account, and PLIs calculate interest using the reducing balance method. All housing projects are geo-tagged to ensure proper monitoring and accountability.

The scheme also promotes awareness through loan fairs and information displays at banks, helping applicants access the subsidy more easily.

Beneficiary Led Construction (BLC)

The Beneficiary Led Construction (BLC) vertical under PMAY-U 2.0 provides financial support to economically weaker section (EWS) families to build new permanent homes on their own land. For those without land, states or union territories can grant heritable, non-transferable land rights (pattas) to make them eligible for the assistance. Houses built under this scheme must be sized between 30 to 45 sqm and comply with National Building Code (NBC) standards. These homes should include at least two rooms, a kitchen, and a bathroom. Beneficiaries must apply through Urban Local Bodies (ULBs) or a Unified Web Portal, providing necessary documentation, such as proof of land ownership.

After validating the applications, implementing agencies submit city-wide proposals for approval by State Level Sanctioning and Monitoring Committees (SLSMC). Central assistance is released in three stages (40:40:20), depending on the progress of construction. The funds are transferred directly to beneficiaries via Direct Benefit Transfer (DBT). States and UTs must also contribute financially to support the scheme. Beneficiaries are required to geo-tag their construction progress for monitoring, and houses must be completed within 12-18 months from the project sanction date. The initiative’s goal is to increase housing availability and improve the living standards of EWS families.

Affordable Housing in Partnership (AHP)

The Affordable Housing in Partnership (AHP) vertical under PMAY-U 2.0 focuses on providing financial assistance to EWS families to purchase homes built through partnerships with state or local governments, cities, or private developers. This scheme supports the construction of affordable houses with carpet areas between 30-45 sqm. Projects can be developed either by government agencies or in collaboration with private partners. Beneficiaries must make a minimum down payment to secure their participation. The price of the houses is capped to ensure affordability. Projects must allocate at least 25% of the units for EWS households, with a minimum of 100 EWS houses to qualify for central support.

These projects must use sustainable building materials and meet green building standards. Project approvals should be obtained within three months, and construction should be completed within 24-36 months. Homes are allocated through a transparent process, giving priority to families with elderly members or those with disabilities for ground-floor units. Projects utilizing innovative construction technologies may be eligible for additional funding. All AHP projects must also be registered under the Real Estate (Regulation and Development) Act, 2016 (RERA).

Affordable Rental Housing (ARH)

The Affordable Rental Housing (ARH) vertical encourages public and private entities to invest in affordable rental housing for urban groups such as EWS, lower-income groups (LIG), and migrants. This scheme is particularly targeted at those who prefer to rent rather than own a home, including industrial workers, construction laborers, and street vendors. The focus is on providing affordable, hygienic rental housing with essential amenities like water, sanitation, and community facilities to improve living conditions.

States and Urban Local Bodies (ULBs) will be responsible for addressing gaps in civic infrastructure. Rental units will be exclusively used for housing purposes and managed by ULBs or partnering entities. Rent collection can be facilitated through salary deductions for tenants, and municipal charges for services like water and sewage will be applied in the same way as for other residential properties. Information on rental units, including project details and occupancy rates, will be updated daily on a unified web portal and the respective ULB websites.

Fund Sanctioning Process Under PM Awas Yojana Urban 2.0

The fund sanctioning process under PM Awas Yojana Urban 2.0 follows a structured approach. States and Union Territories (UTs) first identify eligible affordable housing projects under the scheme. Implementing agencies then prepare a Detailed Project Report (DPR), which includes essential details such as the project layout, list of beneficiaries, and cost estimates. This DPR is submitted to the State Level Sanctioning and Monitoring Committee (SLSMC) for review and approval.

After approval at the state level, the state submits a proposal to the Ministry of Housing and Urban Affairs (MoHUA) seeking Central Assistance for the project. The Ministry then reviews the proposal and sanctions funds based on predefined guidelines and eligibility criteria. The approved funds are transferred to the state or the implementing agency via Direct Benefit Transfer (DBT).

Once the funds are received, the implementing agency begins construction or other planned activities according to the approved DPR. Regular monitoring of the project’s progress is carried out by the SLSMC and MoHUA to ensure adherence to the guidelines and timely execution. Geo-tagging is used to monitor the development stages, and periodic progress reports are submitted to track both the project status and the utilization of funds.

Upon the project’s completion, the housing units are allocated to eligible beneficiaries through a transparent allotment process.

PM Awas Yojana Urban Implementation Process

The implementation of PM Awas Yojana Urban 2.0 requires States and Union Territories (UTs) to adopt reforms and develop an Affordable Housing Policy to access Central Assistance. This begins with signing a Memorandum of Agreement (MoA) with the Ministry of Housing and Urban Affairs, committing to various incentives for affordable housing as outlined in the scheme’s guidelines. Once the MoA is in place, States and UTs will submit proposals to the Ministry for including additional statutory towns and cities under PMAY-U 2.0, excluding those already covered by the previous scheme.

The main agency for implementing the scheme in each city will be the Urban Local Body (ULB) or the designated state agency. These agencies, along with development authorities, will forward their project proposals to the State Level Appraisal Committee (SLAC), the State Level Sanctioning and Monitoring Committee (SLSMC), and the Central Sanctioning and Monitoring Committee (CSMC) for approval.

To accurately assess housing needs, States, UTs, and cities will conduct a rapid evaluation of housing demand across different beneficiary categories. Citizens can register their housing demands through a unified web portal, and these registrations will be verified by States/UTs/ULBs to ensure eligibility, excluding families with permanent houses in rural areas who have migrated to cities.

Special Focus Groups (SFGs), as identified in the guidelines, will be prioritized for inclusion in PMAY-U 2.0. Cities will also create detailed Housing Plans for eligible beneficiaries based on demand and data, following the structure outlined in Annexure-4.

The progress of house construction under PMAY-U 2.0 will be monitored using Geo-tagging at five critical stages: layout, foundation/plinth, lintel, roof, and completion. Central financial assistance for projects under the Affordable Housing in Partnership (AHP) and Beneficiary Led Construction (BLC) verticals will be released in installments based on these Geo-tagging updates. The Ministry will cover Geo-tagging expenses according to an established funding pattern.

States and UTs are expected to complete all approved houses within the timeline specified in the Detailed Project Report (DPR). To facilitate this, they may offer additional incentives to beneficiaries, such as increased financial support and access to subsidized building materials.

The scheme also mandates a five-year lock-in period for beneficiaries. This period starts either from the completion date of a house under the Beneficiary Led Construction (BLC) vertical, the possession date under the Affordable Housing in Partnership (AHP) vertical, or from the first home loan disbursement under the Interest Subsidy Scheme (ISS). During this lock-in period, beneficiaries are not allowed to sell or transfer their homes.

States and UTs may also propose row housing projects under the Affordable Housing in Partnership (AHP) vertical, ensuring that these projects provide all basic amenities and social infrastructure. Furthermore, national and local-level Information, Education, and Communication (IEC) campaigns will promote the scheme, and housing units must display the PMAY-U 2.0 logo.

States and UTs are encouraged to share information about innovative construction technologies that enhance thermal comfort, energy efficiency, and disaster resilience while remaining cost-effective. The Central Sanctioning and Monitoring Committee (CSMC) will oversee all necessary approvals, assist in addressing implementation issues, and manage changes in capacity-building norms.

Conclusion

The PM Awas Yojana Urban 2.0 is a critical step towards ensuring affordable housing for all urban residents, particularly for economically disadvantaged groups. By promoting sustainable, inclusive, and accessible housing, the government aims to significantly improve the quality of life in urban areas while contributing to economic development.

FAQ on PM Awas Yojana Urban 2.0

1. What is PM Awas Yojana Urban 2.0 (PMAY-U 2.0)?

PM Awas Yojana Urban 2.0 is an extension of the government’s mission to provide affordable housing to all urban citizens, focusing on the economically weaker sections (EWS), lower-income groups (LIG), and middle-income groups (MIG). The scheme continues the objective of ‘Housing for All’ in urban areas, starting from September 1, 2024, for a period of five years.

2. Who is eligible for PM Awas Yojana Urban 2.0?

Eligibility for PMAY-U 2.0 includes urban families without a permanent pucca house in any part of India, specifically targeting EWS, LIG, and MIG families. Special priority is given to vulnerable groups such as widows, single women, persons with disabilities, transgenders, SC/ST individuals, and street vendors.

3. What are the key benefits of PMAY-U 2.0?

PMAY-U 2.0 offers affordable housing solutions through four verticals:

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

It ensures basic amenities like water, electricity, and sanitation and includes additional provisions such as rainwater harvesting and solar energy systems.

4. How can I apply for PMAY-U 2.0?

Eligible beneficiaries can apply for PMAY-U 2.0 online or offline. To apply online, visit the official PMAY website at https://pmaymis.gov.in and follow the application procedure provided. Offline applications can be submitted at Common Service Centers (CSCs) or Urban Local Bodies (ULBs).

5. What are the income criteria for PMAY-U 2.0?

The income limits for beneficiaries under PMAY-U 2.0 are:

• EWS (Economically Weaker Sections): Up to Rs. 3 lakh annual income.
• LIG (Low-Income Group): Rs. 3 lakh to Rs. 6 lakh annual income.
• MIG (Middle-Income Group): Rs. 6 lakh to Rs. 9 lakh annual income.

6. Are there any specific requirements for house ownership under the scheme?

Yes, houses built under PMAY-U 2.0 are registered in the name of the female head of the household or jointly with her spouse, promoting female ownership.

7. What is the minimum house size under PMAY-U 2.0?

The minimum carpet area of houses constructed under PMAY-U 2.0 is 30 square meters, with the possibility of expansion up to 45 square meters depending on state or UT regulations.

8. Can I apply if I have already received benefits under previous housing schemes?

No, beneficiaries who have received housing assistance under previous government schemes in the last 20 years are not eligible to apply for PMAY-U 2.0.

9. What is the lock-in period for houses under PMAY-U 2.0?

There is a mandatory lock-in period of five years during which beneficiaries cannot sell or transfer their house. This applies to houses built under the Beneficiary Led Construction (BLC) scheme, the Affordable Housing in Partnership (AHP), or the Interest Subsidy Scheme (ISS).

10. What additional amenities are included in the housing projects?

Along with basic amenities like water, electricity, and sanitation, the scheme encourages features such as rainwater harvesting, solar energy systems, and barrier-free access for Persons with Disabilities.

11. How are beneficiaries selected under PMAY-U 2.0?

A district or Urban Local Body (ULB) level committee, chaired by the District Magistrate or Municipal Commissioner, selects beneficiaries. The selection process gives priority to special focus groups such as widows, persons with disabilities, and marginalized communities.

12. What is the coverage area of PMAY-U 2.0?

PMAY-U 2.0 covers all statutory towns from the 2011 Census, as well as towns notified afterward. New cities and towns can also be included upon approval from the Ministry of Housing and Urban Affairs (MoHUA).

13. Can beneficiaries from rural areas apply for PMAY-U 2.0?

Beneficiaries can choose between PMAY-Gramin (for rural areas) and PMAY-Urban 2.0 to avoid duplication. If their parents received a house under prior schemes, their application may be considered only after other eligible families.

14. What are the environmental sustainability features promoted by PMAY-U 2.0?

The scheme encourages the adoption of innovative construction technologies that improve thermal comfort, energy efficiency, and disaster resilience, while being cost-effective and environmentally sustainable.

15. What are the four verticals of implementation under PMAY-U 2.0?

• Beneficiary Led Construction (BLC): Central assistance for individual house construction or enhancement.
• Affordable Housing in Partnership (AHP): Central assistance for housing projects implemented in partnership with public and private sectors.
• Affordable Rental Housing (ARH): Central assistance for creating affordable rental housing units.
• Interest Subsidy Scheme (ISS): Subsidy on home loan interest rates for eligible beneficiaries.

16. What is Pradhan Mantri Awas Yojana Urban 2.0?

It is a government initiative aimed at providing affordable housing for urban poor, including Economically Weaker Sections (EWS), Lower Income Groups (LIG), and Middle Income Groups (MIG).