Housing for All
Mission 2.0
PMAY-U 2.0 empowers urban poor and middle-class families with an interest subsidy of up to ₹1.80 Lakh to build or buy their dream pucca house.
EWS
Economically Weaker Section
ANNUAL INCOME LIMIT
Up to ₹3.0 Lakh
LIG
Low Income Group
ANNUAL INCOME LIMIT
₹3.01L to ₹6.0 Lakh
MIG
Middle Income Group
ANNUAL INCOME LIMIT
₹6.01L to ₹9.0 Lakh
Who Can Apply?
Resident Indian families with no 'Pucca' house anywhere in India.
House must be in the name of the female head or joint with husband.
Beneficiary family: Husband, Wife, and Unmarried children.
Exclusions
House value exceeding ₹35 Lakh or Loan over ₹25 Lakh.
Families who previously availed any housing scheme subsidy.
Interest Subsidy Benefits
Maximum Subsidy
₹1.80 Lakh
Released in 5 equal yearly installments (₹36,000/year) directly to your loan account.
Max Carpet Area
120 sq. m.
Subsidy Tenure
Min 5 Years
Loan ROI*
7.30%
Margin
15%
The 4-Step Journey to Your Home
Register Demand
Register on the Unified Web Portal as an EWS/LIG/MIG beneficiary.
Sanction
Lending institution (Bank) sanctions loan up to ₹25L for property up to ₹35L.
Geo-Tagging
The house progress is monitored digitally at various stages of construction.
Subsidy Release
Subsidy is credited annually based on the loan being active and regular.
Required Proof of Income
NO PROCESSING FEESEWS & LIG CATEGORY
Simplified Process: For households earning up to ₹6 Lakh, a Self-Certification/Affidavit towards income proof is sufficient to apply.
MIG CATEGORY
- Latest Salary Slips & Form 16 (Salaried)
- Last 2 Years ITR & Balance Sheets (Business)
- Bank Statements for the last 6 months
Track on CLAP Portal
Use the CLSS Awas Portal (CLAP) to track your application status in real-time. Geo-tagging ensures every stage of construction is monitored effectively for subsidy release.