Pradhan Mantri Awas Yojana – Urban (PMAY-U) is a flagship initiative by the Government of India aimed at ensuring “Housing for All” in urban areas. Launched in 2015, the scheme targets the urban poor, including slum dwellers, by providing pucca houses with basic amenities.
Key Features of PMAY-U
| Feature | Description |
|---|---|
| Scheme Name | Pradhan Mantri Awas Yojana (Urban) |
| Beneficiary Segments | EWS (Economically Weaker Section), LIG (Low Income Group), MIG-I & MIG-II |
| Four Verticals | Slum rehabilitation, Credit-linked subsidy, Affordable housing in partnership, Beneficiary-led construction |
| Subsidy | Interest subsidy up to ₹2.67 lakh on home loans |
| Coverage | All statutory towns and planning areas across India |
Eligibility Criteria
To qualify for PMAY-U benefits:
- Applicant must be from EWS/LIG/MIG category
- Must not own a pucca house in any part of India
- Should not have availed central assistance under any housing scheme
- Must have a valid Aadhaar number
Target Beneficiaries
PMAY-U covers a wide range of income groups:
| Category | Annual Income | Benefit |
|---|---|---|
| EWS | Up to ₹3 lakh | Full subsidy eligibility |
| LIG | ₹3–6 lakh | Interest subsidy |
| MIG-I | ₹6–12 lakh | Interest subsidy on loans up to ₹9 lakh |
| MIG-II | ₹12–18 lakh | Interest subsidy on loans up to ₹12 lakh |
PM Kisan Samman Nidhi Yojana 2025
Subsidy Details
Under the Credit Linked Subsidy Scheme (CLSS), eligible beneficiaries can avail:
- Interest subsidy up to 6.5% for EWS/LIG
- Interest subsidy up to 4% for MIG-I
- Interest subsidy up to 3% for MIG-II
- Maximum subsidy amount: ₹2.67 lakh
PMAY-U Application Process (via Official Website)
🔹 Step-by-Step Instructions
- Visit the PMAY-U Website: Go to pmaymis.gov.in.
- Click on ‘Citizen Assessment’: Choose either:
- “For Slum Dwellers”
- “Benefits under other three components”
- Enter Aadhaar Details: Input your Aadhaar number to proceed.
- Fill the Online Form:
- Personal details (name, contact, gender, etc.)
- Income and bank account details
- Housing status and location
- Upload Required Documents.
- Submit the Form:
- Click “Save”
- Enter the Captcha code
- Take a printout for future reference
Required Documents
| Document Type | Examples |
|---|---|
| Aadhaar Proof | Aadhaar Card or Enrolment ID |
| Income Proof | Self-Certificate / Affidavit, Salary Slips, IT Returns |
| Identity & Address Proof | PAN Card, Voter ID, Driving License |
| Minority Status (if applicable) | Community Certificate |
| Nationality Proof | Passport, Voter ID |
| Category Certificate | EWS / LIG / MIG Certificate |
| Property Documents | Valuation Certificate |
| Bank Details | Account Statement |
| Housing Status | Affidavit confirming no pucca house |
| Construction Proof | Affidavit confirming house construction under PMAY-U |
