The Pradhan Mantri Awas Yojana is the government’s flagship program that supports housing for all.
What is PMAY-U 2.0?
The PMAY-Urban is a credit linked subsidy scheme (CLSS) offered by the government under the ‘Housing for all’ initiative. The PMAY-U 2.0 is in its second phase now. Under this scheme the housing deficit in India will be addresses by providing pucca homes to the lower and mid-income groups in urban areas.
Find out how to fill Pradhan Mantri Awas Yojana Online Form
How to apply for PMAY-U 2.0 online?
- Visit the PMAY website at https://pmaymis.gov.in/
- Click on Apply for PMAY-U 2.0 and you will reach https://pmaymis.gov.in/PMAYMIS2_2024/PMAY_SURVEY/EligiblityCheck.aspxClick to proceed once you have read the instructions.
- Next, check eligibility by going to https://pmaymis.gov.in/PMAYMIS2_2024/PMAY_SURVEY/EligiblityCheck.asp
- Enter details such as the state in which you want to apply for your PMAY-U 2.0 unit, the household annual income and the vertical. Once a vertical is selected, it cannot be changed at a later stage. Next, answer if you own a pucca house in any part of India and if you have availed benefits of any government housing scheme in the past 20 years.
- Next, give consent for Aadhaar authentication. Enter Aadhaar no and name as per Aadhaar. Click on terms and conditions and click on Generate OTP.
- Once this is done, fill the online form, upload the documents, and submit the online PMAY2025 form.
Note that a beneficiary is not selected by only filling up the application form of PMAY-U 2.0 scheme. The form has to be verified by the respective States/UTs/ULBs/CNAs/PLIs and then once approved only, he will be eligible.
How to apply for Pradhan Mantri Awas Yojana-U 2.0 offline?
Applicants can fill the PMAY offline form at Common Service Centres (CSCs) or banks that are listed under the PMAY-U 2.0. Pay a fee of Rs 25 and fill the PMAY-U 2.0 registration form. Note that the Ministry of Housing and Urban Affairs (MOHUA) has not given authority to any private entity or person to collect a fee from any beneficiary under this scheme.
PMAY HFA (Urban) Components
| Component | Mission |
| In-situ slum redevelopment | Aims to provide well-built houses, with basic facilities to eligible slum-dwellers. It leverages land as a resource and redevelops slums with the help of private participation. |
| Affordable housing through partnership | To provide affordable housing to EWS, by offering financial assistance and developing projects in collaboration with the public or private sector. Government assistance will be available, if the project has more than 250 units, of which at least 35% is in the EWS/LIG/MIG category. The government has also prepared a draft model PPP policy for affordable housing. |
| Beneficiary-led individual house construction or enhancement | Financial assistance to individuals in the EWS category, to construct a new house or enhance existing house under certain conditions. |
| Credit-Linked Subsidy Scheme (CLSS) | Provides subsidy to first-time home buyers in the EWS and LIG category. |
Also read our guide on how to check PMAY status.
PMAY HFA Urban: Unit size and subsidy benefits for home buyers
| Category | Size of the dwelling in sq metres (carpet area) |
Annual income in Rs lakhs | Loan amount in Rs lakh | Subsidy (in %) |
| MIG-I | 160 | 6-12 | Up to 9 | 4 |
| MIG-II | 200 | 12-18 | Up to 12 | 3 |
How to calculate subsidy under PMAY-U 2.0?
A subsidy calculator is available on the official website of PMAY HFA Urban. All you need to do is click on the ‘Subsidy Calculator’ tab and proceed to input details such as your annual family income, loan amount, tenure, etc.
See also: How does the PMAY interest subsidy scheme for EWS and LIG work?
PMAY HFA Urban: Major hindrances
- Scarce availability of land in urban areas for PMAY HFA houses.
- High unit price of houses under HFA urban, especially in areas like the Mumbai Metropolitan Region and Delhi.
- Lukewarm response from private developers for the PMAY HFA scheme.
- Increasing cost of raw materials for houses under PMAY-HFA.
- Operational challenges of the PMAY HFA urban scheme that make it difficult for financial institutions to provide the benefits to those with poor/no credit history, irregular and informal income sources.
See also: PMAY-Gramin
PMAY HFA Urban: How can it tackle challenges?
Unlock prime land
The government needs to unlock developable land at prime locations, which are under government bodies or no-development zones in cities and allocate these to affordable housing projects under PMAY HFA Urban.
Streamlining of processes
Although a lot of ground has been covered to increase transparency and streamline the PMAY HFA Urban processes, a considerable amount of work still needs to be done. The government should implement an online, single-window approval system across the country, to streamline the processes.
Strengthen the database
A city-wise database for EWS/LIG beneficiaries of the PMAY HFA should be created, to help identify the right beneficiaries. The government should also provide identification papers/land titles for HFA urban scheme, especially in the case of slum-dwellers.
Standardised project plans and designs
A set of guidance documents with standard project plans/unit plans can be developed under PMAY HFA urban, which can be used by the developers and can help in fast-tracking the approval process for projects, thereby, saving effort, time and cost and avoiding implementation issues. Under the PMAY HFA (urban), the government has introduced risk-based classification of buildings to fast-track building plan approval, inspection and grant of occupancy-cum-completion certificate in some cities and could look at implementing the process across the country.
Leverage innovative and low-cost technology
Under the HFA urban, the government can prepare a set of guidelines regarding the use of low-cost technology/construction methods and raw materials, to help developers implement these techniques in their projects.
“Construction technology in China, Hong Kong, Singapore can be used in India. The government should also reduce duty/taxes on technology that can be imported,” says Pradeep Aggarwal, founder and chairman, Signature Global.
FAQs
Who are all eligible under the PMAY HFA urban scheme?
Those who do not own a pucca house and have not availed of central assistance under any housing scheme from the government of India are eligible for the PMAY HFA urban scheme. A beneficiary family will consist of the husband, wife, unmarried sons and/or unmarried daughters.
How much subsidy can one avail of under HFA urban?
Under HFA urban, for MIG I and MIG II, interest subsidies of 4% and 3% on loan amounts of up to Rs 9 lakh and Rs 12 lakh, respectively, is valid.
What is carpet area?
The area enclosed within the walls which is the actual area to lay the carpet is the carpet area and does not include the thickness of the inner walls.
| Got any questions or point of view on our article? We would love to hear from you. Write to our Editor-in-Chief Jhumur Ghosh at jhumur.ghosh1@housing.com |
