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Guide

PMAY & Government Housing Schemes

PMAY-U 2.0 is the largest housing subsidy available to Indian buyers, and the single most searched housing term in the country — around 246,000 searches a month with almost no competitive content answering the actual eligibility question.

Scheme
PMAY-U 2.0

Apply and check status only on the official portal — pmay-urban.gov.in

as of 2026-08-17· Ministry of Housing and Urban Affairsverified

The scheme runs through four verticals, and most applicants only qualify under one of them.

By Nishit Kumar, Founder & Editor
Updated 17 August 2026

What to know

Check eligibility against the official criteria on the government portal before you let a builder or a lender "process" your application. Subsidy claims are a common sales hook, and an applicant who does not qualify — because the household already owns a pucca house anywhere in India, or falls outside the income category — will not become eligible because a sales team filed the form.

We do not publish subsidy amounts or income slabs on this page, and that is deliberate: scheme parameters are revised by notification and a stale number here would be worse than none. The eligibility conditions, the current slabs and the application status check all live on the official portal, linked below. Use it directly — no intermediary is required and no fee is payable to apply.

Questions

Who is eligible for PMAY-U 2.0?

Broadly, households in the EWS, LIG or MIG income categories that do not own a pucca house anywhere in India, applying under one of the scheme verticals. The exact income thresholds and carpet-area limits are set by notification and revised from time to time — check the current criteria on pmay-urban.gov.in rather than on any comparison site, including this one.

Do I have to pay anyone to apply for PMAY?

No. Application is free and is made through the official portal or a designated common service centre. Anyone charging a fee to "guarantee" or "fast-track" a PMAY subsidy is running a scam.

Can I get PMAY if I already own a house?

No. The core condition is that no member of the household owns a pucca house anywhere in India. This is the most common reason applications are rejected after a builder has already told the buyer they qualify.

Related reading

Sources

Every figure on this page is traced to the document it came from. Where a claim rests on a regulator or an institution’s own rate card, that is the link below — not a summary of it.

  1. [1]Pradhan Mantri Awas Yojana — Urban 2.0— Ministry of Housing and Urban AffairsPrimary
Worth knowing.Rates, fees and terms change frequently and vary by applicant. Everything here is general information, not personalised advice. Confirm the current terms directly with the institution before you apply. How we research and rate.