housingFeatured
Pradhan Mantri Awas Yojana-Urban
PMAY-U
Ministry of Housing & Urban AffairsUpdated: 10 January 2026
About the Scheme
Housing for all urban poor with interest subsidy on home loans under Credit Linked Subsidy Scheme
Benefits
Interest subsidy up to Rs 2.67 lakh on home loans for EWS/LIG, up to Rs 2.35 lakh for MIG-I, up to Rs 2.30 lakh for MIG-II
Eligibility Criteria
EWS (annual income up to Rs 3L), LIG (Rs 3-6L), MIG-I (Rs 6-12L), MIG-II (Rs 12-18L)
Documents Required
Aadhaar, income certificate, bank statements, IT returns of last 3 years, property documents
Step-by-Step Application Process
1
Visit pmaymis.gov.in
2
enter Aadhaar number
3
fill application form
4
upload documents
5
select beneficiary type
6
submit and track application status
Frequently Asked Questions
Can I apply if I already own a pucca house?
No, the scheme is only for beneficiaries who do not own a pucca house anywhere in India
Is there any processing fee?
No application or processing fee is charged for PMAY
Can I apply for subsidy on existing home loan?
Yes, if you have not availed CLSS earlier and meet eligibility criteria