Central Government Launches Pradhan Mantri Awas Yojana – Urban 2.0; Here’s How To Check the Eligibility Criteria

The central government has launched the second phase of its flagship housing initiative, Pradhan Mantri Awas Yojana – Urban 2.0 (PMAY-U 2.0), to provide affordable housing for one crore economically disadvantaged families and middle-income groups in urban areas. Approved by the Union Cabinet on August 9, 2024, the scheme aims to ensure all-weather pucca houses for eligible beneficiaries in metropolitan regions.

Under PMAY-U 2.0, the government plans to develop one lakh new houses in the first five years, starting from September 1, 2024. Each house will receive a financial subsidy of ₹2.50 lakh, reducing the financial burden on beneficiaries and accelerating the development of affordable housing across urban India.

Promoting Inclusive Urban Development

PMAY-U 2.0 is a cornerstone of the government’s agenda for inclusive urban development, addressing the housing needs of diverse segments, including slum dwellers, SC/STs, minorities, widows, women, persons with disabilities, and other underprivileged groups. Beneficiaries can avail of the scheme either through PMAY-U 2.0 or its rural counterpart, PMAY-G, depending on their jurisdiction.

The scheme is structured into four verticals to cater to varied housing needs:

1. Beneficiary-Led Construction (BLC): Direct assistance for constructing houses on existing land.
2. Affordable Housing in Partnership (AHP): Collaborative projects with private developers.
3. Affordable Rental Housing (ARH): Rental housing options for urban migrants and the poor.
4. Interest Subsidy Scheme (ISS): Financial support for home loans.

Eligibility and Application Details

Families from the Economically Weaker Section (EWS), Low-Income Group (LIG), and Middle-Income Group (MIG) with no pucca house in the name of any family member are eligible. The income criteria are as follows:

• EWS: Annual income up to ₹3 lakh
• LIG: Annual income from ₹3 lakh to ₹6 lakh
• MIG: Annual income from ₹6 lakh to ₹9 lakh

To apply, eligible families must provide the following documents:

1. Aadhaar details for the applicant and family members.
2. Active bank account linked with Aadhaar.
3. Income proof (PDF format, up to 200kb).
4. Caste/Community certificate for SC/ST/OBC (PDF format, up to 200kb).
5. Land documents for BLC applications (PDF format, up to 5MB).

How to Check Eligibility and Apply

Applicants can verify eligibility and apply through the official PMAY-U portal by following these steps:

1. Select the ‘Apply for PMAY-U 2.0’ option on the website.
2. Review the guidelines and instructions carefully.
3. Provide details such as annual income and family information to confirm eligibility.
4. Enter your Aadhaar details and validate.
5. Complete the application by providing your address, income proof, and other required documents.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making related decisions.