Central Government Scheme
Pradhan Mantri Awas Yojana – Urban (PMAY-U)
Credit-linked subsidy and affordable housing for EWS, LIG, and MIG urban households.
Eligibility Criteria
- •EWS (Economically Weaker Section): annual household income up to ₹3 lakh
- •LIG (Lower Income Group): annual income ₹3–6 lakh
- •MIG-I: annual income ₹6–12 lakh; MIG-II: ₹12–18 lakh
- •Beneficiary or any family member must not own a pucca house in India
- •Must be an Indian citizen with valid Aadhaar
- •Women ownership / co-ownership mandatory for EWS & LIG
Required Documents
- •Aadhaar Card
- •Income certificate / salary slips / ITR
- •Property documents / sale agreement
- •Bank account details
- •Photograph
- •Affidavit declaring no pucca house ownership
- •Caste/minority certificate if applicable
Benefits & What You Get
Credit Linked Subsidy Scheme (CLSS): interest subsidy of up to 6.5% on home loans for EWS/LIG (loan up to ₹6 lakh), 4% for MIG-I (up to ₹9 lakh), and 3% for MIG-II (up to ₹12 lakh). Subsidy is credited upfront to the loan account, reducing the effective EMI significantly.
📹 How to Apply — Video Guide (Hindi)
Watch step-by-step apply process on YouTube
Hindi videos — Pradhan Mantri Awas Yojana – Urban (PMAY-U) yojana apply online process
Ready to apply for Pradhan Mantri Awas Yojana – Urban (PMAY-U)?
Visit the official government portal to submit your application.