How to Apply for PM Awas Yojana Online: PMAY-U 2.0 Steps

Yes, you can apply for Pradhan Mantri Awas Yojana online if you live in a town or city. The PMAY-Urban 2.0 form is on pmaymis.gov.in under “Apply for PMAY-U 2.0” and needs your Aadhaar and its linked mobile number.

Rural families have no open online form; they join PMAY-Gramin through the Awaas+ 2024 survey, via a panchayat surveyor or the AwaasPlus 2024 app. Applying is free. The form only registers your demand; your city, state or lender still checks that you are eligible.

Key facts

Who can apply for PMAY-Urban 2.0

The portal runs an eligibility check before it lets you fill the form. You are out if:

• your annual household income is above ₹9,00,000;
• you or a family member owns a pucca house anywhere in India;
• your family got a house under any central, state or local government housing scheme in the last 20 years.

A family here means husband, wife and unmarried children. Houses curtailed under the old PMAY-U after 31 December 2023 will not be sanctioned again under 2.0. The house must be in the name of the female head of the household, or jointly with a male member.

Pick your vertical before you start

You choose one of four verticals in the form, and the portal warns that the choice cannot be changed later.

For ISS, the loan must be sanctioned and disbursed on or after 1 September 2024, be no more than ₹25 lakh, for a house worth up to ₹35 lakh with a carpet area up to 120 sq m. The loan tenure must be at least 5 years. The subsidy reaches your loan account in five yearly instalments, and lenders may not charge a processing fee on the eligible loan amount. The old CLSS subsidy closed on 31 March 2022, so figures such as ₹2.67 lakh no longer apply.

Documents to keep ready

• Aadhaar of every family member (a married woman also gives her husband’s Aadhaar)
• Income certificate as a PDF under 200 KB
• Bank account number and IFSC code
• Land ownership document as a PDF under 5 MB (BLC only)
• Caste certificate if you apply as SC, ST or OBC
• For ISS: PAN, address proof and your home loan details, if you already have a loan

How to apply for PM Awas Yojana online (urban)

1. Open pmaymis.gov.in and click Apply for PMAY-U 2.0 in the menu.
2. Read the instructions on the four verticals and click Proceed.
3. Answer the eligibility questions on income, pucca house ownership and past housing benefits.
4. Give consent for Aadhaar authentication, then enter your Aadhaar number and your name exactly as printed on the card.
5. Enter the OTP sent to your Aadhaar-linked mobile and submit. One Aadhaar number can be used for only one form.
6. Fill Personal Details, then check the auto-filled Details of Family Member. Tick the special-focus box if you are a PM SVANidhi vendor, PM Vishwakarma artisan, Anganwadi worker, construction worker or slum resident.
7. In Household Details, upload the income certificate and enter years of stay in the town, current housing and roof type.
8. Enter your present, permanent and construction-site (or AHP project) address. BLC applicants upload the land document here.
9. ISS applicants fill Home Loan Details: choose Yes and enter the loan, or choose No and pick up to five preferred lenders.
10. Enter bank details, tick the declaration and click Final Save. Note the Application ID and download the acknowledgement.

After Final Save you cannot edit the form. BLC and AHP applications go to your urban local body for verification; ISS applications go to the lender. If you made a mistake, the applicant login lets you withdraw the application before verification and apply again. Our guide to tracking a PMAY 2.0 application covers the login and status screens.

Applying offline in a city

You can also apply through a Common Service Centre (CSC) or at your municipality or urban local body. The documents are the same. The portal lists which urban local bodies are covered under “List of ULBs under PMAY-U 2.0”.

How rural families get on PMAY-Gramin

PMAY-G does not take open online applications. Families are picked from survey lists and approved by the Gram Sabha.

1. Ask your Gram Panchayat or block office whether the Awaas+ 2024 survey is still open in your state. On 10 September 2026 the portal posted a circular giving states more time to finish it.
2. If it is open, register through the village surveyor or self-survey on the AwaasPlus 2024 app.
3. Complete Aadhaar face authentication in the app, including the liveness check.
4. Wait for an official to verify the entry and for the Gram Sabha to approve the priority list.

The rules on who qualifies, and how the list works, are in our PM Awas Gramin 2026 guide.

Common problems

For how PMAY fits with other housing support and home loans, see PMAY and government housing schemes. To check what an ISS-eligible loan would cost each month, use the EMI calculator.

Frequently asked questions

Can I apply for Pradhan Mantri Awas Yojana online?

Yes for urban areas: apply on pmaymis.gov.in under “Apply for PMAY-U 2.0” with Aadhaar OTP. For rural areas there is no open form; you join through the Awaas+ 2024 survey.

How to apply for PM Awas Yojana online without an agent?

Open “Apply for PMAY-U 2.0”, pass the eligibility check, verify Aadhaar by OTP, fill the survey form and click Final Save. The whole process is free.

What is the income limit for PMAY-U 2.0?

Up to ₹3 lakh a year for EWS, ₹3–6 lakh for LIG and ₹6–9 lakh for MIG. BLC and AHP are for EWS families only.

Can I apply for PMAY if I already have a home loan?

Yes, under ISS, if the loan was sanctioned and disbursed on or after 1 September 2024 and meets the ₹25 lakh loan and ₹35 lakh house value caps.

Can I change my application after submitting?

No. Final Save locks the form. You can withdraw it from the applicant login before verification and submit a fresh one.

How do I apply for PM Awas Yojana Gramin online?

You cannot apply through a public form. Where the Awaas+ 2024 survey is open, you can self-survey on the AwaasPlus 2024 app or register through the panchayat surveyor.

Is PMAY CLSS still available?

No. CLSS closed on 31 March 2022. Its replacement for home loan buyers is the Interest Subsidy Scheme under PMAY-U 2.0.

Sources

• Instruction of PMAY-U 2.0 (Apply for PMAY-U 2.0) — Ministry of Housing and Urban Affairs (checked 17 Sep 2026)
• PMAY-U 2.0 FAQs — Ministry of Housing and Urban Affairs (checked 17 Sep 2026)
• PMAY-U 2.0 beneficiary application user manual — Ministry of Housing and Urban Affairs (checked 17 Sep 2026)
• PMAY-U 2.0 portal home — Ministry of Housing and Urban Affairs (checked 17 Sep 2026)
• Operational Guidelines of PMAY-U 2.0 — Ministry of Housing and Urban Affairs (checked 17 Sep 2026)
• PMAY-G portal — Ministry of Rural Development (checked 17 Sep 2026)
• PMAY-G modified exclusion criteria — Press Information Bureau (checked 17 Sep 2026)
• PMAY-G and Awaas+ 2024 app — Press Information Bureau (checked 17 Sep 2026)