Pradhan Mantri Awas Yojana-Urban _(Central)

Pradhan Mantri Awas Yojana-Urban (PMAY-U) provides financial assistance to avail pucca houses in urban areas through four components: Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH) and Interest Subsidy Scheme (ISS).

• 1. Beneficiary Led Construction (BLC): Financial assistance of ₹2.5 lakh to construct new pucca houses up to 45 sqm (an all-weather dwelling unit) on their own available land.
• 2. Affordable Housing in Partnership (AHP): Financial assistance up to ₹2.5 lakh for the purchase of houses of 30-45 sqm carpet area constructed by Public/Private Agencies and made available for allotment.
• 3. Affordable Rental Housing (ARH): Not fully functional.
• 4. Interest Subsidy Scheme (ISS): Home loan subsidy up to ₹1.80 lakh for a maximum house value of ₹35 lakh and maximum loan value of ₹25 lakh.

• 1. Families should be living in urban area
• 2. Families should not have a pucca house anywhere in the country
• 3. Families belonging to EWS/LIG/MIG category
• EWS households: annual income of up to ₹3 lakh (Eligible for BLC, AHP, ISS)
• LIG households: annual income from ₹3 lakh up to ₹6 lakh (Eligible for ISS)
• MIG households: annual income from ₹6 lakh up to ₹9 lakh (Eligible for ISS)
• 4. The applicant's family should not have availed benefit under any of the housing schemes in last 20 years.

• 1. Aadhaar Card (applicant and all family members)
• 2. Bank passbook to mention bank account details (active bank a/c linked with Aadhaar is required)
• 3. Income proof (income tax returns, salary slip, self declaration)
• 4. Land document (in case of BLC only)