Pradhan Mantri Awas Yojana (PMAY): what it gives, who qualifies, where to apply

PMAY-Urban 2.0 (PM Awas Yojana Urban)

Approved by the Union Cabinet in August 2024, for five years from 1 September 2024, to help 1 crore urban families. It works through four routes.

How much for BLC and AHP. The operational guidelines set ₹1.5 lakh from the centre and at least ₹1.0 lakh from the state per house in most states (₹2.25 lakh central in north-eastern and hill states, ₹2.5 lakh in union territories), with the family paying at least 25%. The Cabinet press release gives a single figure of ₹2.50 lakh per unit. Both are the government's own words; the guidelines split it.

Sources: PMAY-U 2.0 operational guidelines (Sep 2024), paras 5 and 8.1; PIB, 9 Aug 2024.

Who qualifies

• No member of the family owns a pucca (all-weather) house anywhere in India.
• The family has not been allotted a house under any central, state or local government housing scheme in the last 20 years.
• Family means husband, wife and unmarried sons and daughters.
• The house is in the name of the woman head of the family, or jointly with her husband; a man alone only when there is no adult woman in the family.
• Every member has an Aadhaar number or Aadhaar virtual ID.

What it costs you to get wrong: the 20-year rule covers any house allotted under a government housing scheme. If anyone in the family was allotted a flat by UPAVP or a development authority, ask the city body whether it counts before you apply.

Source: operational guidelines, paras 1.3, 1.8, 3.2 and 3.8.

How to apply and check status

1. Open pmaymis.gov.in and choose "Apply for PMAY-U 2.0". Or apply at a Common Service Centre or your municipality.
2. Answer the eligibility check. Above ₹3 lakh income you are out of BLC and AHP; above ₹9 lakh, out of ISS.
3. Verify Aadhaar by OTP. One Aadhaar number fills one form.
4. Fill in personal, family and household details, then "Final Save" and download the PDF.

Keep ready: Aadhaar, bank account details, a signed declaration that you meet the rules, and land papers if you are building (BLC). Status - registration, verification, approval, release - is on the same portal by application ID or mobile number. A home loan sanctioned before 1 September 2024 does not qualify for ISS.

Helpline: 011-23060484, 011-23063620, 011-23063567, 011-23061827.

Source: PMAY-U 2.0 FAQ and user manual, read 19 Sep 2026.

PMAY-Gramin and the "PMAY list"

PMAY-Gramin is the rural scheme, run by the Ministry of Rural Development: ₹1.20 lakh per house in the plains and ₹1.30 lakh in north-eastern and hill states, for 2 crore more houses in 2024-29. Families are picked from the SECC 2011 data and the Awaas+ survey and confirmed by the Gram Sabha - you do not apply to a seller.

PMAY-G publishes its beneficiary reports - the "PMAY list" people search for - on the PMAY-G portal.

Source: PIB, 19 Nov 2024.

PMAY and flats from UPAVP or a development authority

Development authorities and housing boards can build AHP projects; the guidelines route their proposals through the city body. UPAVP and the Uttar Pradesh development authorities have done so under the first phase of PMAY-Urban - UPAVP EWS projects in Kaushambi, Barabanki and Kannauj, and authority projects in Lucknow, Kanpur, Meerut, Ghaziabad, Jhansi and elsewhere.

Whether a flat bought from an authority's ordinary scheme can get the ISS interest subsidy: no government page we read says either way. The guidelines cover "purchase" of a house within the price and size limits and allow the subsidy once per property. Ask the lender, and get the answer in writing, before you count on it.

Sources: guidelines paras 4.3, 5.2 and 5.4; UP presentation to the 44th CSMC, 28 Jun 2019; MoHUA release order for UP AHP projects, 14 Sep 2022.

In Uttar Pradesh

The state agency for PMAY-Urban is the State Urban Development Agency (SUDA), Navchetna Kendra, 10 Ashoka Marg, Lucknow 226002, under the Urban Employment and Poverty Alleviation Department.

Source: list of state nodal agencies, pmaymis.gov.in.

PM Awas Yojana Lucknow

For Pradhan Mantri Awas Yojana Lucknow applicants - PM Awas Yojna Lucknow, as it is also spelt - the route is the one above: the national portal, a Common Service Centre, or the Lucknow municipal body. There is no separate Lucknow application. (Also searched as Pradhanmantri Awas Yojna Lucknow, Pradhan Mantri Awas Yojna Lucknow and Prime Minister Awas Yojna Lucknow.) LDA has built EWS flats under the first phase of PMAY-Urban: the Ministry's 2022 release order for Uttar Pradesh names LDA's Basant Kunj and Sharda Nagar Vistar projects.

Source: MoHUA release order for UP AHP projects, 14 Sep 2022.