PM Awas Yojana 2.0- All You Need To Know
The Indian government has launched the second phase of the Pradhan Mantri Awas Yojana – Urban 2.0 (PMAY-U 2.0), which aims to provide housing for 1 crore urban poor and middle-class families, including economically disadvantaged groups (EWS). The Union Cabinet approved this phase on August 9, 2024.
Under PMAY-U 2.0, the government plans to build one lakh new homes over the next five years (starting September 1, 2024), with each house receiving a financial subsidy of Rs 2.50 lakh.
PMAY-U 2.0 is one of the government’s key initiatives to provide permanent homes for eligible urban families. Depending on their location, beneficiaries can avail themselves of housing benefits under PMAY-G or PMAY-U 2.0.
The scheme promotes inclusive urban development by addressing the housing needs of various underserved communities, including slum dwellers, SC/STs, minorities, widows, persons with disabilities, women, and other disadvantaged groups.
Eligibility Criteria for PMAY-U 2.0:
To be eligible for a house under PMAY-U 2.0, applicants must meet the following criteria:
- EWS (Economically Weaker Section): Annual income up to Rs 3 lakh.
- LIG (Low Income Group): Annual income between Rs 3 lakh and Rs 6 lakh.
- MIG (Middle Income Group): Annual income between Rs 6 lakh and Rs 9 lakh.
Applicants must not own a pucca house (permanent house) anywhere in the country. Families who have benefited from government housing schemes in the past 20 years are not eligible for PMAY-U 2.0.
Required Documents:
When applying for housing under PMAY-U 2.0, you need to provide the following documents:
- Aadhaar details (for the applicant and family members).
- Bank account details linked to Aadhaar.
- Income proof (as a PDF, max 200KB).
- Caste/community certificate (if applicable, as a PDF, max 200KB).
- Land documents (if applying for the BLC (Beneficiary-Led Construction) option, PDF up to 5MB).
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How to Check Your Eligibility:
Follow these simple steps to check if you qualify for a house under PMAY-U 2.0:
- Visit the official PMAY-U portal: pmay-urban.gov.in.
- Click on the “Apply for PMAY-U 2.0” option.
- Review the guidelines and instructions carefully.
- Enter your details, including annual income, to confirm eligibility. If you’re not eligible, you’ll be notified.
- Enter your Aadhaar number and other necessary information, then submit your application.
How to Apply:
Eligible applicants can apply for housing through:
- The PMAY-U 2.0 Unified Web Portal.
- Shared Service Centre’s (CSC).
- Urban Local Bodies/Municipalities in their area.
This scheme offers an excellent opportunity for urban families who need affordable housing but more resources to build or buy a house independently.