PMAY-U 2.0 Explained: Eligibility, Documents & How to Apply in 2025

Pradhan Mantri Awas Yojana (PMAY) stands as a flagship housing initiative by the Indian government aimed at fulfilling the dream of affordable housing for first-time homeowners. This comprehensive scheme primarily targets economically weaker sections (EWS), low-income groups (LIG), and mid-income groups (MIG), offering substantial interest subsidies on home loans. The application process for PMAY 2025 can be completed through the official PMAY website or offline at Common Service Centres (CSCs).

This guide brings you the latest information on applying for PMAY in 2025, featuring updated details on the revamped official website aligned with the PMAY-U 2.0 vision. We'll also cover the newly renamed verticals under PMAY-U 2.0 and provide step-by-step instructions for every application method.

PMAY 2025: Current Status and Targets

Currently in its second phase (2025-2029), PMAY has set an ambitious target of delivering approximately 3 crore houses with essential amenities including gas, electricity, water supply, and toilets. This massive housing initiative includes:

• 1 crore pucca houses under PMAY-Urban 2.0
• 2 crore houses under PMAY-Gramin

The Central Sanctioning and Monitoring Committee (CSMC) recently approved proposals for over 3.52 lakh houses under PMAY-U 2.0 on March 20, 2025. These approvals cover Beneficiary Led Construction (BLC) and Affordable Housing in Partnership (AHP) components across 10 states/UTs: Andhra Pradesh, Arunachal Pradesh, Bihar, Haryana, Jammu & Kashmir, Odisha, Puducherry, Rajasthan, Telangana, and Uttar Pradesh.

The first phase of PMAY (2015-2024) successfully sanctioned 118.64 lakh houses, with approximately 92 lakh already constructed and delivered to beneficiaries.

How to Apply for PMAY Online in 2025

Follow these simple steps to apply for PMAY online:

1. Visit the official PMAY website at https://pmaymis.gov.in/
2. Click on "Apply for PMAY-U 2.0" which will take you to the eligibility check page
3. Read the instructions carefully and click "Click to proceed"
4. Check your eligibility by entering required details:
   • State where you want to apply
   • Annual household income
   • Preferred vertical (note: once selected, this cannot be changed)
   • Answer questions about existing housing ownership
5. Provide consent for Aadhaar authentication by entering your Aadhaar number and name
6. Generate OTP, fill the online form, upload necessary documents, and submit

Important Note: Simply completing the application form does not guarantee benefits. Your eligibility must be verified by respective States/UTs/ULBs/CNAs/PLIs.

PMAY 2025: Key Facts

Income Categories:

• Economically Weaker Section (EWS): Annual income up to Rs 3 lakh
• Lower Income Group (LIG): Annual income Rs 3-6 lakh
• Middle Income Group-I (MIG-I): Annual income Rs 6-12 lakh
• Middle Income Group-II (MIG-II): Annual income Rs 12-18 lakh

Documents Required for PMAY-U 2.0 Registration

• Applicant's Aadhaar details
• Aadhaar details of all family members
• Active bank account details linked with Aadhaar
• Income proof (PDF file, max 100KB)
• Land document for BLC vertical applications (PDF file, max 1MB)

How to Apply for PMAY Offline

If you prefer applying offline:

1. Visit your nearest Common Service Centre (CSC) or PMAY-listed bank
2. Pay the application fee of Rs 25
3. Fill the PMAY 2025 registration form with assistance from staff
4. Submit all required documents

Note: The Ministry of Housing and Urban Affairs (MOHUA) has not authorized any private entity to collect fees under this scheme. Be cautious of potential scams.

How to Apply for PMAY 2025 Through Banks

To apply through a bank:

1. Contact an empaneled bank offering home loans under credit-linked subsidy schemes
2. Submit your completed PMAY form
3. Include your Aadhaar card and other supporting documents
4. Follow the bank's process for loan application

Four Verticals Under PMAY-U 2.0

1. Beneficiary Led Construction (BLC)

• For EWS beneficiaries (annual income up to Rs 3 lakh) to construct houses on their own land
• Financial assistance up to Rs 2.5 lakh per eligible family
• Construction of pucca houses up to 45 sq.m
• Features include:
  • Provision of land rights to the landless by states/UTs
  • Geo-tagging of construction stages
  • Installment release linked to construction progress
  • Free statutory approvals where needed
  • Slum upgradation with housing and infrastructure

2. Affordable Housing in Partnership (AHP)

• Allows EWS beneficiaries to purchase/receive allocated houses in apartment projects
• Financial assistance up to Rs 2.5 lakh per EWS flat
• Houses of 30-45 sq.m carpet area constructed by public/private agencies
• Features include:
  • Redeemable housing vouchers for purchase in approved private projects
  • Various state incentives for public/private projects
  • In-situ slum redevelopment or resettlement

3. Affordable Rental Housing (ARH)

• Two models available:
  • Model 1: Converting existing government-funded vacant houses into ARH through PPP or public agencies
  • Model 2: Construction, operation, and maintenance of rental housing by private/public entities
• Eligible for EWS/LIG beneficiaries (annual income up to Rs 3 lakh and Rs 6 lakh respectively)
• Includes necessary infrastructure like water, sanitation, roads, community centers, etc.

4. Interest Subsidy Scheme (ISS)

• Subsidy on home loans sanctioned after September 1, 2024
• Maximum loan value: Rs 25 lakh
• Maximum house value: Rs 35 lakh
• Loan subsidy paid in 5 yearly installments
• Eligible income categories:
  • EWS: Up to Rs 3 lakh
  • LIG: Up to Rs 6 lakh
  • MIG: Up to Rs 9 lakh
• Loan subsidy up to Rs 1.80 lakh for EWS/LIG/MIG

Who Is Not Eligible for PMAY 2025?

You cannot apply if:

• Your annual income exceeds Rs 18 lakh
• You already own a pucca house anywhere in India (exception: enhancement of existing house if less than 21 sq.m)
• You have previously received any government housing grant

Important Points When Applying for PMAY Online

• Verify your eligibility before proceeding
• Review the PMAY-U 2.0 scheme guidelines at https://pmay-urban.gov.in/
• Ensure you have a valid Aadhaar card (mandatory for application)
• Provide accurate and complete information to avoid rejection

How to Apply for PMAY-Gramin

The Awaas Plus list survey is currently ongoing. To apply:

• Download the Awaas Plus app
• Upload your details using the self-survey feature

How to Apply for PMAYG Online

1. Visit the official PMAYG website
2. Fill in your Aadhaar details and select "register" (remaining details will auto-populate)
3. Provide bank details and indicate if you wish to avail a loan
4. Enter convergence details including job card number and SBM number
5. The final section will be completed by the concerned office

How to Apply for PMAYG Offline

1. Contact your ward member at the gram panchayat
2. Fill the application form with their assistance
3. If you need help from a third party, submit a signed consent form

PMAY 2024 Components (Application Closed)

The deadline for PMAY 2024 applications was December 31, 2024. For reference, the previous verticals included:

• In-situ Slum Redevelopment (ISSR): Government grants of Rs 1 lakh for slum rehabilitation
• Affordable Housing in Partnership (AHP): Central assistance of Rs 1.5 lakh for state-built affordable housing
• Beneficiary-led individual house construction/enhancements (BLC): Central assistance of Rs 1.5 lakh for EWS category
• Credit Linked Subsidy Scheme (CLSS): Subsidized interest rates on home loans between Rs 6-12 lakh

PMAY 2024 Application Categories

Applications for PMAY 2024 fell under two broad categories:

1. Slum Dwellers

• People living in informal urban settlements with poor infrastructure
• Those with kutcha houses could apply under this category

2. Other Components

Applications were categorized by income:

Benefits of Applying for PMAY 2025 Online

• Simple and convenient application process
• Easy tracking of application status
• Reduced paperwork and hassle

PMAY Grievance Registration

If you encounter any issues, you can register grievances at:
https://pmay-urban.gov.in/pgrams/login

PM Awas Yojana 2025 Assistance Contact Details

Manish Joon
Deputy Secretary
Housing for All Directorate
Ministry of Housing and Urban Affairs
Room no 219, G Wing, NBO Building
Nirman Bhavan, New Delhi-110011

Phone Numbers:

• 011-23060484
• 011-23063620
• 011-23063567
• 011-23061827

MIS: https://pmaymis.gov.in
Website: https://pmay-urban.gov.in

Toll-free Numbers:

• NHB: 1800-11-3377, 1800-11-3388
• SBI: 1800-11-2018
• HUDCO: 1800-11-6163

Conclusion

Pradhan Mantri Awas Yojana 2025 represents a significant step toward achieving the goal of "Housing for All" in India. With its comprehensive approach targeting various income groups and offering multiple verticals for housing assistance, PMAY-U 2.0 provides numerous pathways to affordable housing. Whether you choose to apply online, offline, or through a bank, understanding the eligibility criteria, documentation requirements, and application processes will help ensure a smooth experience. As the program continues its second phase with ambitious targets, millions more Indians can look forward to fulfilling their dream of owning a ghar.

Frequently Asked Questions

1. Who is eligible for the PMAY-U 2.0 scheme?
Individuals from EWS, LIG, and MIG categories with annual household incomes up to Rs 18 lakh who don't own a pucca house anywhere in India.

2. How much financial assistance is provided under the BLC vertical?
Up to Rs 2.5 lakh per eligible EWS family to construct new pucca houses on their own land.

3. Can I change my selected vertical after applying for PMAY-U 2.0?
No, once a vertical is selected during application, it cannot be changed at a later stage.

4. Is Aadhaar mandatory for applying to PMAY 2025?
Yes, a valid Aadhaar card is mandatory for all applicants and must be linked to an active bank account.

5. How much does it cost to apply for PMAY offline?
The official fee for filling the PMAY registration form at CSCs is Rs 25 only.

6. How can I track my PMAY application status?
You can track your application status through the official PMAY website using your application number.

7. What is the maximum loan amount eligible for subsidy under ISS?
The maximum loan value eligible for subsidy is Rs 25 lakh with a maximum house value of Rs 35 lakh.

8. How do I register a complaint if I face issues with my PMAY application?
You can register grievances through the online portal at https://pmay-urban.gov.in/pgrams/login.