Do you want to know whether you are eligible for Pradhan Mantri Awas Yojana 2.0 (PMAY-U 2.0)? Here is the eligibility criteria in simple and friendly words so that you can understand it easily.
Let’s know if you’re eligible for PMAY-U 2.0 scheme or not!
Before we check the eligibility,we must know a bit about what is PMAY 2.0?: PMAY 2.0 is a government’s scheme to provide affordable houses for needy families in urban areas. The second phase of this scheme is just launched in 2024 to build 1 lakh new homes for urban population belongs to economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG) respectively. The beneficiaries will receive financial support of up to Rs 2.30 lakh per home.
Now, let’s know the eligibility criteria for this scheme.
Eligibility Criteria for PMAY 2.0 Urban
To apply for PMAY 2.0 urban, there is certain requirements that you need to fulfill to become eligible for it, these are:
1. Income Groups Your eligibility depends on your family’s annual income. Here’s a simple breakdown:
| Category | Annual Income (Rs) |
| EWS (Economically Weaker Section) | Up to 3 lakh |
| LIG (Low-Income Group) | 3 lakh to 6 lakh |
| MIG (Middle-Income Group) | 6 lakh to 9 lakh |
2. Housing Status
You should not have your own pucca house anywhere in India.
Your family should not have availed benefits from any government housing scheme in the past 20 years.
3. Family Composition
The scheme considers a family to include the applicant, their spouse, and unmarried children.
4. Location
PMAY 2.0 is specifically for people living in urban areas.
5. Special Priority Groups Certain groups get priority under this scheme. If you belong to any of these categories, you have a higher chance of benefiting from PMAY 2.0:
- Widows and single women
- Senior citizens
- Persons with disabilities
- Transgender individuals
- Scheduled Castes (SC) and Scheduled Tribes (ST)
- Minority communities
People Also Read: PMAY-Urban 2.0 List of Beneficiaries
Additional Details for Special Categories
PMAY 2.0 doesn’t just stop at income-based eligibility. It also focuses on exclusivity. Here’s how it provides extra support:
| Special Groups | Benefits Provided |
| Safai Karamcharis, street vendors, artisans (under Pradhan Mantri Vishwakarma Scheme) | Special housing preferences |
| Slum dwellers and residents of chawls | In-situ redevelopment or alternative housing |
| Anganwadi workers, construction workers | Housing benefits based on their needs |
Types of Houses Covered in PMAY-U 2.0
Under PMAY 2.0, eligible beneficiaries can either purchase or construct houses. The scheme is flexible and offers different models to suit various needs:
- Beneficiary-Led Construction (BLC): For families who already own land and want to build a house.
- Affordable Housing in Partnership (AHP): For those who prefer buying homes in apartment projects built by public or private developers.
- Affordable Rental Housing (ARH): For people looking to rent homes at subsidized rates.
Key Points of PMAY-U 2.0
Below is a quick recap and summary of PMAY-U 2.0 and some tips to ensure you meet the eligibility requirements:
- Keep ready and updated your documents like Aadhaar cards, proof of income, caste certificates (if applicable), and land ownership papers (if you want to build on your own land).
- Check and confirm that your Aadhaar is linked to bank account.
This scheme isn’t just about building houses but improving lives and lifestyle by removing the tension to build own house. By offering financial support, PMAY 2.0 is helping families to live happily under their own roofs with comfort of safety and permanent home.
How to Check Your Eligibility for PMAY-U 2.0 Online
Want to find out if you qualify? Here’s how you can do it online:
- Firstly you have to search for the official PMAY website in Google or click on the link.
- Then locate “Check Eligibility” option.
- Now type and enter your details in the given boxes like your annual income, and housing needs.
- After entering your details you will come to know if you’re eligible of not.
Final Thoughts
PMAY 2.0 is a great opportunity to helping families living in urban areas to have their own dream home. If you are meeting the eligibility criteria for Prim Minister Awas Yojana Urban 2.0 then apply quickly to get this advantage.
