PMAY Urban Housing Scheme 2025
To provide a means of living in the form of a permanent house, the Government of India has launched a housing project known as Pradhan Mantri Awas Yojana-Urban for the urban residents from the EWS, LIG, and MIG segments of society. Under this scheme, the government provides financial assistance to selected beneficiaries, enabling them to construct their own house in the urban areas and secure a safe site for their living. By offering this scheme government aims to ensure that every citizen has proper housing access and reduce the rate of homeless families in the country by providing them with a permanent house. If you’re an urban resident of India who is struggling with housing unavailability in your region and wish to avail the benefits of this scheme by applying for the same, then keep reading this article to know the complete details regarding the Pradhan Mantri Awas Yojana-Urban.
About Pradhan Mantri Awas Yojana (PMAY)
The Pradhan Mantri Awas Yojana-Urban or (PMAY-U) is a centrally-sponsored housing scheme designed by the Government of India for urban residents. Under this scheme government provides financial assistance for the construction of pucca (pakka) houses to those urban people who don’t have a permanent house anywhere in the country. By offering this scheme government aims to empower residents by providing means of survival in the form of pucca houses so that they are able to come out of slum areas and secure a permanent place for their living. Under this scheme government especially targets those urban locals who don’t have proper housing access and belong to the EWS, LIG, and MIG categories. With the help of this scheme government aims to fulfill the dreams of thousands of families by providing a permanent place to call home and improving their overall living.
Objective of PMAY-U Details
The primary objective of Pradhan Mantri Awas Yojana-Urban, or PMAY-U, is to provide a means of living in the form of a permanent house to thousands of urban homeless families who are struggling with a housing shortage and are unable to construct their own house due to financial problems. Under this scheme government provides financial assistance to deserving families who belong to the EWS, LIG, and MIG segments of society by allowing them to acquire a permanent house. By offering this scheme government aims to empower residents by providing means of survival in the form of pucca houses so that they are able to come out of slum areas and secure a permanent place for their living.
Key Features of Prime Minister Housing Scheme
| Name of the Scheme | Pradhan Mantri Awas Yojana-Urban. |
| Designed By | Ministry of Housing & Urban Affairs |
| Governing Body | Central Government of India. |
| Year | 2025-26 |
| Vision | “Housing for All” |
| Objective | To provide a means of living in the form of a permanent house to thousands of urban homeless families who are struggling with a housing shortage and are unable to construct their own house due to financial problems. |
| Priority Holders | Women Households. |
| Total Families Benefitted | 1 Crore Families. |
| Benefits | Deserving residents receive affordable housing options |
| Eligible Segments | LIG, EWS, MIG, LIG. |
| Beneficiaries | Urban Residents of India. |
| Mode | Online |
| Official Website | PMAY-U |
Eligibility Criteria for PM Awas Yojana Scheme
- The applicant must be the permanent president of India.
- The age of the applicant must be more than 18 years at the time of application.
- Applicant must be a homeless resident of urban areas.
- Applicant must not have any property in their own name.
- Applicant must belong to the EWS, LIG, and MIG segments of society.
- Applicant must not be enrolled in any other housing welfare scheme.
- Applicant must have their own bank account linked to the Aadhaar card.
Eligibility Criteria (Urban & Rural)
| Category | Annual Income Limit | Conditions |
| EWS (Urban/Rural) | ≤ ₹3 lakh | No pucca house; not availed previous govt subsidy |
| LIG (Urban/Rural) | ₹3–6 lakh | Same condition |
| MIG‑I (Urban) | ₹6–12 lakh | No pucca house anywhere |
| MIG‑II (Urban) | ₹12–18 lakh | No pucca house anywhere |
| Rural PMAY‑G expanded | ≤ ₹15 lakh | Eligibility now includes assets like bike/fridge |
Exclusion Criteria
- The applicant is not the permanent president of India.
- Age of the applicant less than 18 years at the time of application.
- Applicant is not a homeless resident of urban areas.
- Applicant have any property in their own name.
- Applicant does not belong to the EWS, LIG, or MIG segment of society.
- Applicant enrolled in any other housing welfare scheme.
- Applicant do not have their own bank account linked with Aadhar card.
Financial Benefits & Subsidy Structure
| Component | Benefit |
| Interest Subsidy (CLSS) | 6.5% for EWS/LIG homes loan, 4% for MIG‑I, 3% for MIG‑II over 20 years |
| Central Assistance – BLC (Urban EWS) | ₹1.5 lakh per house |
| Subsidy Release | 5 yearly instalments via loan account (if >50% principal outstanding) |
| Overall Funding – PMAY‑U 2.0 | ₹10 lakh crore to support 1 crore urban families |
| Rural PMAY‑G (Gramin) | ₹1.2 lakh per house; extended till 2028‑29 |
Scheme Components (PMAY‑U)
| Vertical | Description |
| BLC | Beneficiary-led House Construction/Enhancement (₹1.5 lakh support for EWS) |
| AHP | Affordable housing with public/private partnership (≥ 35% EWS; ≥250 units) |
| ISSR | Slum redevelopment via private developers |
| ARHC | Affordable Rental Housing Complexes for urban migrants |
Deadlines & Recent Updates
- PMAY‑U Mission Period Extended to 31 Dec 2025 (for houses sanctioned up to 31 Mar 2022)
- PMAY‑U 2.0 Live since Sept 17, 2024; targets 1 crore new urban homes by 2029
- PMAY‑G Extended to Mar 2029; ₹3.76 lakh additional houses approved in Assam for FY25‑26
Benefits of Pradhan Mantri Awas Yojana-Urban
- Financial Aid for Construction:- Under this PMAY-U, the government provides financial assistance for the construction of permanent houses to selected beneficiaries.
- Fulfill Housing Shortage:- By offering this scheme government aims to fulfill the housing shortage which may face by urban residents.
- Improve Overall Living Condition:- This scheme is a small step towards improving the lives of homeless families in urban areas.
- Make Homeownership More Accessible:- Through this scheme government aims to make homeownership more accessible to hundreds of homeless families in urban areas by providing them with a means of survival in the form of permanent houses.
- Target Urban Homeless:- Under this scheme government provides financial assistance to those urban locals who are struggling with housing insecurities.
Silent Features
- Access to Permanent House:- Under this scheme government provides financial assistance for the construction of pucca houses to those urban people who don’t have a permanent house anywhere in the country.
- Make Housing Affordable:- With the help of this scheme government aims to fulfill the dreams of thousands of families by providing a permanent place to call home and making housing affordable and affordable to them.
- Prevent Homelessness Completely:- By offering this scheme government aims to ensure that every citizen has proper housing access and reduce the rate of homeless families in the country by enabling them with a permanent house.
- Priority Holders:- Under this scheme, preference will be given to women households, promote gender equality, and ensure their involvement in the prospects of decision process.
- Target Groups:- Under this scheme government especially targets those urban locals who don’t have proper housing access and belong to EWS, LIG, and MIG categories.
Required Documents
- Aadhar Card
- Resident Proof
- Birth Certificate
- Caste Certificate
- Bank Details
- Income Certificate
- Passport Sized Photograph
- Phone Number
How to Apply for Pradhan Mantri Awas Yojana-Urban Online?
Applicants, first of all, download the PM Awas Yojana Urban 2.0 Guidelines and read them carefully before the online application submission, and check all the mandatory details like eligibility, benefits, list, application registration form, etc from the given link.
To apply online for PMAY-U, the applicant must have to follow these listed steps:-
Step 1: After meeting the eligibility criteria, the applicant needs to visit the official PMAY-U website.
Step 2: Once the applicant reaches the home page of the official site, they need to click on the option called “Citizen Assessment” or “Apply Online”.
Step 3: Read the important guidance before the application proceeds.
Step 4: After clicking the proceed button, the required documents page is available on your screen. Check it deeply.
Step 5: Now, fill in the mandatory details and check if you are eligible for this scheme or not. if you are applicable for PMAY Urban Scheme then application form is open on your screen. After that applicant needs to choose their category based on the income groups.
Step 6: Now the applicant needs to enter all the asked details, including Aadhar card, income details, and other related information.
Step 7: Applicants, fill in all the other mandatory details like Application Details, Household, Family, etc, and click on the submit button. Once, quickly review all the details carefully.
Step 8: At last, click on Submit to complete the application process.
By performing these listed steps, applicants can easily register themselves under PMAY-U.
Also Read: PM Suraksha Bima Yojana
FAQs
Who has introduced this PMAY-U, and for whom?
- Ministry of Housing and Urban Affairs, Government of India, has introduced PMAY-U for urban homeless.
Is it necessary to be a resident of India for Pradhan Mantri Awas Yojana-Urban?
- It’s necessary to be a permanent resident of India for Pradhan Mantri Awas Yojana-Urban
Can I apply online for PMAY Urban?
- Yeah, you can apply online through the official PMAY Urban website.
What are the benefits covered under Pradhan Mantri Awas Yojana-Urban?
- Under the Pradhan Mantri Awas Yojana-Urban government offers housing assistance to lower-middle-class residents of India so that they are able to construct their own house in the country.
Also Read: PM Jeevan Jyoti Bima Yojana