PMAY 2.0 Urban Eligibility Check Guide

Find out if your family qualifies for the ₹1.80 Lakh housing interest subsidy before applying.

Before initiating your PMAY Urban 2.0 online application process outlined on our complete guide, verifying your eligibility criteria is essential. The government has structured PMAY Urban 2.0 to provide financial assistance to eligible families purchasing or constructing their first home.

Select State/UT of Construction Site (BLC)/ AHP Project / Property (ISS) for which PMAY 2.0 is being applied :
Household Annual Income (Rs.) :
Amount in actual rupees only (Rs.)
Select Vertical :
Do you own a pucca house anywhere in India?
Have you availed benefit under any Housing scheme of central/state government in past 20 years?
PMAY 2.0 Eligibility Criteria Guide
Verify Eligibility on Official Portal →

Who Can Apply for PMAY Urban 2.0? (Income Brackets)

Housing loan subsidies under PMAY Urban 2.0 cover Economically Weaker Sections as well as Low and Middle-Income groups based on annual family income brackets defined by the Ministry.

🟢 EWS Category

Economically Weaker Section

  • Annual Income: Up to ₹3 Lakh
  • Max Subsidy: ₹1.80 Lakh
  • Rule: Priority is extended to female-headed households, SC/ST, and disabled applicants.

🔵 LIG Category

Low Income Group

  • Annual Income: ₹3 Lakh to ₹6 Lakh
  • Max Subsidy: ₹1.80 Lakh
  • Rule: An Aadhaar-linked bank account is compulsory for subsidy disbursement.

🟡 MIG Category

Middle Income Group

  • Annual Income: ₹6 Lakh to ₹9 Lakh
  • Max Subsidy: ₹1.80 Lakh
  • Rule: Covered under PMAY 2.0. Applicants must not have claimed prior central housing benefits.

3 Mandatory Eligibility Rules for Applicants

To successfully qualify for the PMAY Urban 2.0 housing interest subsidy, applicants must satisfy three primary conditions:

1. The “No Pucca House” Condition:
Neither the applicant nor any member of their immediate family (spouse, unmarried sons, or unmarried daughters) should own a permanent or pucca house anywhere in India.
2. Mandatory Female Co-Ownership:
For EWS and LIG categories, the property must be registered in the name of an adult female family member or held under joint ownership with the male head of the family.
3. Compulsory Aadhaar Linking:
A valid Aadhaar card linked with an active mobile number and bank account is required to proceed with official form registration.

Next Steps After Checking Eligibility

Once you confirm your eligibility bracket on the official Eligibility Check portal, organize your documents (Aadhaar, income certificate, bank passbook) and proceed with online form submission on the government dashboard.

After submitting your application, save your Assessment ID to track your PMAY application status online.

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Written & Verified by AwasYojana Research Team

This eligibility breakdown is prepared by our housing research team. All income thresholds and guidelines are cross-referenced with official documentation from the Ministry of Housing and Urban Affairs.

Disclaimer: AwasYojana.org is an independent educational portal. Final eligibility determination rests solely with the Ministry of Housing and Urban Affairs and official nodal agencies. Submit applications only through the official portal at pmaymis.gov.in.

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