PMAY Scheme Categories (Urban & Gramin)
PMAY - URBAN 2.0 (PMAY-U 2.0)
- Designed for the implementation framework supporting urban housing access for eligible urban families.
- Includes provisions for interest subsidy structures on housing loans through participating Primary Lending Institutions (PLIs).
- Supports beneficiary-led construction/enhancement and affordable housing models in partnership with authorized agencies.
- Requires that beneficiary households do not own a pucca house anywhere in India.
- For official updates and guidelines, refer to the National Housing Bank or the Official PMAY-U Portal.
PMAY - GRAMIN (PMAY-G)
- Aims to support rural households living in kutcha houses by facilitating financial assistance for standard pucca housing construction.
- Establishes minimum carpet area standards equipped with basic civic amenities.
- Provides structured financial assistance grants for construction in plain and hilly terrains.
- Integrated with sanitation and rural employment livelihood frameworks.
- Beneficiaries are identified through official socio-economic census data verified via local administrative bodies.
PMAY Programme Guidelines & Application Framework
PMAY-U 2.0 Framework
- Beneficiary-Led Construction (BLC) support for eligible families possessing land.
- Affordable Housing in Partnership (AHP) models through public and private institutional channels.
- Interest subsidy frameworks channeled strictly through RBI-regulated Primary Lending Institutions (PLIs).
Application Process (PMAY-U 2.0)
- Eligible applicants can submit inquiries digitally via the official PMAY portal or through authorized Common Service Centers (CSCs) and participating lending institutions.
PMAY-G Framework
- Focuses on supporting rural housing deprivation as identified by rural development tracking databases.
Application Process (PMAY-G)
- Shortlisting is conducted based on official rural housing deprivation parameters verified locally.
PMAY-Urban 2.0 - Eligibility & Subsidy Parameters Overview
| Details | EWS | LIG | MIG |
|---|---|---|---|
| Annual Household Income | Up to ₹3 Lakh | ₹3 Lakh to ₹6 Lakh | Up to ₹9 Lakh |
| Max Loan Tenure | Up to 20 Yrs | Up to 20 Yrs | Up to 20 Yrs |
| Max Loan Amount Eligible | As per scheme norms | Up to ₹25 Lakh | Up to ₹25 Lakh |
| Max Property Valuation | Up to ₹35 Lakh | Up to ₹35 Lakh | Up to ₹35 Lakh |
| Max Carpet Area | Up to 60 sq. mtr | Up to 90 sq. mtr | Up to 120 sq. mtr |
| Subsidy Framework | As per institutional PLI norms | As per institutional PLI norms | As per institutional PLI norms |
| Women Ownership Preference | Preferred / Mandatory norms | Preferred | Preferred |
| Loan Purpose | New Purchase / Self-Construction / Enhancement | New Purchase / Self-Construction | New Purchase / Self-Construction |
| Scheme Validity | Active Framework | Active Framework | Active Framework |
| Locations Covered | Statutory Towns / Urban Areas | Statutory Towns / Urban Areas | Statutory Towns / Urban Areas |