Pradhan Mantri Awas Yojana - Urban 2.0 (PMAY-U 2.0)

এটি কী?

PMAY-U 2.0 is the second phase of the urban Housing for All mission, running for five years from 1 September 2024. It targets urban families in the Economically Weaker Section, Low Income Group and Middle Income Group who do not already own a permanent house anywhere in India.

Support comes through four separate routes. Beneficiary Led Construction gives EWS families a grant to build a house on their own land. Affordable Housing in Partnership gives EWS families central assistance towards a house built by a developer. Affordable Rental Housing creates rented accommodation for EWS and LIG people including urban migrants, the homeless and industrial workers. The Interest Subsidy Scheme, the only route open to MIG households, discounts the interest on a home loan.

Houses built with central assistance must normally be owned by a woman of the household, alone or jointly with her husband.

সম্ভাব্য সুবিধা

₹1,50,000 – ₹2,50,000 per house

Construction routes: Rs 1.5 lakh per unit in most states, Rs 2.25 lakh in the North Eastern and hill states, and Rs 2.5 lakh in union territories. Interest Subsidy Scheme: 4 per cent a year on the first Rs 8 lakh of a home loan for up to 12 years, a maximum benefit of Rs 1.8 lakh released in five yearly instalments, with a maximum eligible loan of Rs 25 lakh and house value of Rs 35 lakh. Potential benefit subject to official approval.

কারা আবেদন করতে পারেন?

• You live in an urban area

  এই তথ্য কোথা থেকে এসেছে

  Families belonging to EWS/LIG/MIG segments, living in urban areas

  সরকারি উৎস ↗
• Your household does not own a permanent house

  এই তথ্য কোথা থেকে এসেছে

  should not own a pucca house either in his/her name or in the name of any member of his/her family in any part of India

  সরকারি উৎস ↗
• Household income is within the Rs 9 lakh ceiling

  এই তথ্য কোথা থেকে এসেছে

  Middle Income Group (MIG): Households having an annual income from Rs 6 lakh up to Rs 9 lakh

  সরকারি উৎস ↗
• The house must normally be owned by a woman of the household এটি বাধ্যতামূলক নয়, তবে সম্ভাবনা বাড়ায়

  এই তথ্য কোথা থেকে এসেছে

  should be in the name of the female head of the household or in the joint name of the male head of the household and his wife

  সরকারি উৎস ↗

সরকারের জানানো অন্যান্য শর্ত

• Neither you nor any member of your family may own a permanent (pucca) house anywhere in India.
• Your household must live in an urban area and have an annual income of up to Rs 9 lakh. The band decides which route applies: up to Rs 3 lakh is EWS, Rs 3 to 6 lakh is LIG, and Rs 6 to 9 lakh is MIG.
• The two construction routes are open only to EWS households, that is income up to Rs 3 lakh a year. MIG households can use only the Interest Subsidy Scheme.
• Affordable Rental Housing is for EWS and LIG people including urban migrants, the homeless, the destitute and industrial workers.
• Anyone allotted a house under any central, state, union territory or local government housing scheme in the last 20 years is not eligible.
• The house must be in the name of a woman of the household, or jointly with her husband. A male-only title is allowed only where there is no adult woman in the family.
• Aadhaar is required for the applicant and all family members.

যোগ্যতা সংক্রান্ত তথ্য কেবল জানানোর উদ্দেশ্যে দেওয়া। চূড়ান্ত যোগ্যতা ও অনুমোদন নির্ধারণ করে সংশ্লিষ্ট সরকারি কর্তৃপক্ষ।

যে নথিগুলি লাগবে

আমরা কোনও সরকারি উৎস থেকে নথির তালিকা নিশ্চিত করতে পারিনি, তাই অনুমান করার বদলে সেটি বাদ দিয়েছি। উপরে দেওয়া সরকারি উৎসে দেখে নিন।

কীভাবে আবেদন করবেন

Register your demand on the unified web portal, or through your urban local body's demand survey. For the Interest Subsidy Scheme you register on the portal and the claim is then routed through your lending bank or housing finance company. Applications are verified by the state or urban local body before central assistance is released. Aadhaar of the applicant and all family members is mandatory.

কোথায় আবেদন করবেন: online and csc

শেষ তারিখ

প্রকল্পের ঘোষিত সময়সীমা 31 August 2029 পর্যন্ত। আলাদা আবেদনের শেষ তারিখ এর আগেও হতে পারে - সরকারি উৎস দেখুন।