Pradhan Mantri Awas Yojana - Urban (PMAY-U)

Central GovtCategory: HousingMinistry: Ministry of Housing and Urban Affairs

Interest subsidy on home loans (up to Rs. 2.67 lakh) for EWS, LIG, MIG households. Promotes affordable urban housing.

Eligibility criteria

  • Income up to Rs. 18 lakh (varies by category)

How to apply

Application mode: online · Official application portal

  1. Visit pmaymis.gov.in and select category — Category selected
  2. Fill online form with personal/financial details — Reference ID generated
  3. Bank assesses loan eligibility — Loan sanctioned
  4. Subsidy credited to loan account upfront — EMIs reduced

Required documents

Required

  • Aadhaar Card — 12-digit UIDAI identification (Original or photocopy)
  • PAN Card — Permanent Account Number (Original or photocopy)
  • Bank Account Passbook — Active bank account (First page)
  • Income Certificate — Issued by Tehsildar (Recent)
  • Property Documents — Sale or builder agreement (Original)

Official source: https://pmaymis.gov.in/#pmay-urban

Last verified: 23 June 2026

Your eligibility

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Compatibility with other schemes

Compatible schemes

You can claim this scheme alongside the following schemes.

  • Credit-Linked Subsidy Scheme (CLSS) for Middle Income Group — CLSS is a subset of PMAY-U interest subsidy mechanism

Incompatible schemes

You cannot claim this scheme together with the schemes below.

  • Pradhan Mantri Awas Yojana - Gramin (PMAY-G) — A household cannot avail both rural and urban PMAY benefits