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The Government of India launched Pradhan Mantri Awas Yojana Urban 2.0 (PMAY-U 2.0) in September 2024 to address the increasing demand for affordable urban housing. The scheme aims to provide pucca houses to urban poor, low-income groups, and middle-income families across the country. Under PMAY 2.0, the government plans to support the construction of over 2.95 crore houses in the next five years, ensuring housing for all by 2029.

By December 2024, over 6.12 lakh houses were already sanctioned under PMAY-U 2.0. This number grew to 7.09 lakh units by June 2025, reflecting the scheme’s rapid implementation and rising popularity.

Main Highlights of PMAY Urban 2.0

Objective of PMAY-U 2.0

The main goal of PMAY Urban 2.0 is to offer affordable housing solutions to eligible urban families by giving them financial support. It also promotes inclusive development by focusing on women, scheduled castes (SC), scheduled tribes (ST), other backward classes (OBC), and even transgender individuals.

The scheme is implemented through four key components:

1. Beneficiary-Led Construction (BLC)

Helps families with land to construct their own pucca house. In cases where beneficiaries lack land, state governments will assist in providing land rights.

2. Affordable Housing in Partnership (AHP)

Involves building houses through collaboration with states, UTs, private developers, and public agencies. Beneficiaries purchasing homes under AHP can receive housing vouchers.

3. Affordable Rental Housing (ARH)

This sub-scheme provides affordable rental homes to urban migrants, students, working women, and industrial workers.

4. Technology Innovation Grant (TIG)

A grant of ₹1,000 per square metre is offered for construction using innovative and sustainable building technologies.

PMAY Urban 2.0 - Who Can Apply?

To ensure inclusive development, the scheme is open to various economic categories. Below is the eligibility breakdown:

Note: The applicant or any family member should not own a pucca house anywhere in India.

Who is Eligible for PMAY 2.0 Urban?

To apply for Pradhan Mantri Awas Yojana Urban 2.0, applicants must fulfill the following criteria:

• Must belong to EWS, LIG, or MIG category

• No pucca house should be owned by the applicant or any family member

• Should not have availed benefits under any government housing scheme in the last 20 years

Mandatory Documents for PMAY 2.0 Application

To apply online, keep the following documents ready:

• Two passport-sized photographs

• Aadhaar card of applicant and family members

• Aadhaar-linked bank account details

• Income certificate issued by the local authority

• Caste or category certificate (if applicable)

• Property ownership or land documents (for BLC component)

Step-by-Step Guide to Apply for PMAY Urban 2.0

Follow these simple steps to complete your online application:

1. Visit the official portal: pmaymis.gov.in

2. Click on “Apply for PMAY 2.0 – Urban”

3. Read the instructions and click Proceed

4. Enter required details such as State/UT, Household Income, and Housing Details

5. Enter Aadhaar Number and verify via OTP

6. Fill in the online application form with personal, income, and housing details

7. Upload required documents and click Submit

Applicants can track the application status through the same portal.

Recent State-Wise Approvals and Beneficiary Breakdown

As of March 2025, the Ministry of Housing and Urban Affairs sanctioned 3.52 lakh new houses under PMAY 2.0 in ten states including Arunachal Pradesh, Andhra Pradesh, Bihar, Jammu & Kashmir, Odisha, Puducherry, Rajasthan, Telangana, and Uttar Pradesh.

Here is a category-wise breakdown of sanctioned houses:

Additionally, Uttar Pradesh Government has introduced extra financial support:

• ₹30,000 for senior citizens aged above 70

• ₹20,000 for widows, unmarried and separated women above 40

Why PMAY-U 2.0 is Important

The PMAY Urban 2.0 scheme is not just about construction—it’s about dignity, inclusivity, and better living conditions. By providing affordable homes with proper sanitation, drinking water, and power supply, the scheme supports urban development, women empowerment, and social upliftment of marginalised communities.

With growing urbanisation, the need for affordable housing schemes in India is critical. PMAY-U 2.0 addresses this by ensuring financial inclusion and promoting sustainable construction technologies.

Conclusion - Pradhan Mantri Awas Yojana Urban 2.0

Pradhan Mantri Awas Yojana Urban 2.0 is a powerful initiative to bridge the housing gap in urban India. It offers financial aid, housing subsidies, and interest benefits to the economically weaker and middle-income segments. With a target of over 2.95 crore homes, this scheme is one of India’s most impactful efforts toward “Housing for All”.

Citizens interested in owning a home under this scheme are encouraged to check their eligibility and apply online through the official PMAY Urban 2.0 portal before August 31, 2029.