PMAY-Urban 2.0 helps city families in the EWS, LIG and MIG income brackets own or afford a decent house — through construction assistance on your own plot, affordable housing projects, rental housing, or an interest subsidy on your home loan. Here is how the four verticals work and which one fits you.
Key facts
| Income categories | EWS ≤ ₹3 lakh; LIG ₹3–6 lakh; MIG ₹6–9 lakh per year |
| Verticals | BLC (self-build), AHP (projects), ARH (rental), ISS (loan interest subsidy) |
| ISS subsidy | Interest subsidy on home loans (up to ₹1.80 lakh benefit) for eligible first-time buyers |
| BLC support | Central assistance (typically ₹2.25–2.5 lakh with state shares) for building on your own land |
| Condition | Family must not own a pucca house anywhere in India |
| Portal | pmay-urban.gov.in |
Choose your vertical
- BLC (Beneficiary-Led Construction): you own an urban plot — get staged assistance to build/extend your house
- AHP (Affordable Housing in Partnership): buy a subsidised unit in approved projects
- ARH (Affordable Rental Housing): dignified low-rent options for workers/migrants
- ISS (Interest Subsidy Scheme): taking a home loan? Get the interest subsidy credited against your loan
How to apply
- Check the demand survey/application window with your Urban Local Body or on pmay-urban.gov.in
- For ISS: apply through your home-loan bank/HFC — they process the subsidy claim with the central nodal agency
- Submit Aadhaar, income proof, and an affidavit of not owning a pucca house
- A female family member’s name on the property is required/preferred in most verticals
- Track your application/assessment ID on the portal
Apply only via your ULB, bank or the official portal — no agents.
Frequently asked questions
I already took PMAY CLSS earlier. Can I apply again?
No — one PMAY benefit per family. Families who availed the old CLSS subsidy cannot claim again under PMAY-U 2.0.
Do renters with no plot qualify for anything?
Yes — AHP project units and ARH rental housing target families without land; register in your ULB demand survey.
What loan size gets the ISS subsidy?
The subsidy applies to eligible loans within the notified caps (e.g., subsidy on the first ₹8 lakh of loans up to ₹25 lakh for qualifying buyers) — your lender computes the exact benefit.
Related schemes
Disclaimer: PMYojanaUpdates.com is an independent information portal, not affiliated with any government department. Always verify details on the official site pmay-urban.gov.in before applying.