PMAY Urban 2.0: Rs 2.5 Lakh Help, Rs 1.8 Lakh Loan Subsidy, Apply
📌Quick Facts & Summary
Key Benefit
BLC / AHP (EWS only): Rs 2.5 lakh total government help per house. Centre gives Rs 2.25 lakh in NE, Himalayan States and UTs with legislature, Rs 2.5 lakh in other UTs, and Rs 1.5 lakh in other States (the State adds at least Rs 1 lakh).
Who Can Apply
Urban EWS, LIG and MIG families with no pucca house anywhere in India.
Status / Deadline
Changed: PMAY-U (2015) replaced by PMAY-U 2.0 from 1 Sep 2024; old CLSS replaced by ISS. Helpline numbers carried from the old scheme; verify.
Official Portal
Helpline
1800-11-3377 / 1800-11-3388 (verify on portal)
Last Verified
15 October 2026
🔗 Important Action Links (Official Portals):
🌐 Official Portal ↗📝 Apply Online ↗🔎 Check Status ↗
📞 Helpline: 1800-11-3377 / 1800-11-3388 (verify on portal)
What is the Scheme?
Help for urban families to build, buy or rent a pucca house, through four parts: BLC, AHP, ARH and the Interest Subsidy Scheme (ISS).
Also known as: PM Awas Urban, PMAY 2.0, home loan subsidy
Who is it for?
Urban EWS, LIG and MIG families with no pucca house anywhere in India.
Benefits and Financial Assistance
| # | Key Benefit / Entitlement Details | Category / Mode |
|---|---|---|
| 1 | BLC / AHP (EWS only): Rs 2.5 lakh total government help per house. Centre gives Rs 2.25 lakh in NE, Himalayan States and UTs with legislature, Rs 2.5 lakh in other UTs, and Rs 1.5 lakh in other States (the State adds at least Rs 1 lakh). | Primary Benefit (DBT/Subsidy) |
| 2 | ISS: 4% interest subsidy on the first Rs 8 lakh of a home loan up to Rs 25 lakh (house value up to Rs 35 lakh), up to Rs 1.80 lakh, paid in 5 yearly instalments. | Direct Support |
| 3 | ARH: rental housing for migrants and urban poor. | Direct Support |
Eligibility Criteria
Applicants must meet the following eligibility conditions:
- EWS: income up to Rs 3 lakh. LIG: Rs 3 to 6 lakh. MIG: Rs 6 to 9 lakh a year.
- No pucca house in the name of any family member anywhere in India.
- Not a beneficiary of any housing scheme in the last 20 years.
- ISS: loan sanctioned and disbursed on or after 1 Sep 2024, carpet area up to 120 sq m.
Documents Needed
Keep the following documents ready before submitting your application:
- ✓ Aadhaar of all family members
- ✓ Income certificate or self-declaration
- ✓ Bank account
- ✓ Land papers (BLC)
- ✓ Caste / category certificate if applicable
How to Apply Online (Step-by-Step)
- Go to pmay-urban.gov.in and click 'Apply for PMAY-U 2.0'.
- Check eligibility, verify Aadhaar with OTP.
- Fill the form, choose the vertical (BLC, AHP, ARH or ISS) and submit.
- For ISS, the application goes to your bank / housing finance company.
How to Apply Offline
- Apply at the Urban Local Body (municipality) office or CSC.
How to Check Application / Payment Status
- Track on pmaymis.gov.in using your application ID or Aadhaar.
Official Website and Helpline Numbers
| Official Portal | https://pmay-urban.gov.in ↗ |
|---|---|
| Helpline / Contact | 1800-11-3377 / 1800-11-3388 (verify on portal) |
| Nodal Ministry | Ministry of Housing and Urban Affairs |
Important Dates & Milestones
PMAY-U 2.0 approved Aug 2024; ISS loans from 1 Sep 2024. Checked 15 Oct 2026.
Frequently Asked Questions (FAQs)
❓ Is the old CLSS still available?
No. It ended. New loans come under ISS of PMAY-U 2.0.
❓ What is the maximum ISS subsidy?
Up to Rs 1.80 lakh.
❓ Can I get help to repair my house?
No. Extension or repair is not allowed under BLC.
❓ Who should own the house?
Preference to women ownership or joint ownership with a woman, as per guidelines.
Sources & Official References
All facts on this page were verified on 15 October 2026 from the following official government sources:
- PMAY-U portal: https://pmay-urban.gov.in/ [resolves (HTTP 200)] ↗
- PMAY-U 2.0 Operational Guidelines (PDF): https://pmay-urban.gov.in/uploads/guidelines/Operational-Guidelines-of-PMAY-U-2.pdf [resolves (HTTP 206)] ↗
- PMAY-U 2.0 FAQ: https://pmaymis.gov.in/PMAYMIS2_2024/PmayFAQ.aspx [resolves (HTTP 200)] ↗
- ISS vertical: https://pmaymis.gov.in/PMAYMIS2_2024/PmayISS.aspx [resolves (HTTP 200)] ↗
- Cabinet approval: https://www.pmindia.gov.in/en/news_updates/cabinet-approves-pradhan-mantri-awas-yojana-urban-2-0-scheme/ [resolves (HTTP 200)] ↗
Fact-Check Verification: This scheme entry was reviewed and fact-checked by Abhishek (govtschemes.net) using official PIB releases, ministry guidelines, and gazette records.
If you notice any outdated rule or change, please report a correction.
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Other central government schemes in the same sector and target audience:
Notice: govtschemes.net is not a government website. We are an independent information site. Always confirm eligibility and apply only on official government portals.