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Pradhan Mantri Awas Yojana - Urban 2.0 Interest subsidy scheme (PMAY-U 2.0 ISS) is the revamped version of the original PMAY-U CLSS scheme, introduced to continue the mission of providing "Housing for All" in urban areas. This scheme aims to provide Central Assistance to eligible families/beneficiaries through PLIs to purchase or repurchase houses in urban areas.
The following are the main features of PMAY-U 2.0 ISS:
Launched in 2024, the Pradhan Mantri Awas Yojana - Urban 2.0 (PMAY-U 2.0) is an extension of the original PMAY-U scheme, designed to continue the mission of "Housing for All" in urban areas. This revised scheme focuses on enhancing accessibility, sustainability, and improved affordability for citizens across various income groups. PMAY-U 2.0 is set to be implemented over a period of five years (2024 to 2029).
PMAY-U 2.0 Subsidy is a financial benefit offered under the Pradhan Mantri Awas Yojana - Urban 2.0 to make homeownership more affordable for eligible beneficiaries.
Let's understand this with an example:
Suppose a beneficiary takes a home loan of ₹8 lakh at an original interest rate of 9% for a tenure of 12 years. Under PMAY-U 2.0, they will receive a 4% interest subsidy on the first ₹8 lakh.
The following is the basic eligibility criteria to avail the Pradhan Mantri Awas Yojana-Urban 2.0:
House Ownership Condition: The beneficiary family must not own a pucca house in any part of India in their name or in the name of any family member.
No Prior Assistance: The beneficiary family should not have availed any Central assistance under previous housing schemes or any PMAY benefit earlier.
Married Couples: In the case of a married couple, only one subsidy can be claimed by either wife or jointly by husband and wife, subject to income eligibility.
Loan Sanction Date: Subsidy is applicable only for home loans sanctioned and disbursed on or after 01.09.2024.
Updated Aadhar card copies of all the borrower and co-borrowers with their spouse irrespective they are on loan structure or not.
Updated Aadhar copies of parents (Mother and Father) main applicant / primary borrower.
Updated Aadhar copies of all the borrower / co-borrowers unmarried children's (Birth certificate or school ID is also applicable in case Aadhar is not available).
Main borrower's Aadhar number must be linked with an active mobile number (Required for OTP purpose).
Signed copy of Acknowledgement of PMAY unified portal in case customer has applied at PMAY unified portal voluntary.
The Pradhan Mantri Awas Yojana calculator or the PMAY calculator is a simple online tool using which you can calculate your PMAY subsidy amount and the category under which you are eligible for the PM Awas Yojana.
Simply by entering your annual family income, loan tenure, and the loan amount in the PMAY calculator, you can know the PM Awas Yojana subsidy you are eligible to receive within seconds.
To register under the PMAY-U 2.0, follow the following steps:
You can check and edit your details later with the help of your Application and Aadhar number
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