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Pradhan Mantri Awas Yojana — Urban 2.0 (PMAY-U 2.0)

प्रधानमंत्री आवास योजना — शहरी २.०

PM Awas Yojana Urban 2.0 — Shahari EWS parivaaron ko BLC/AHP me ghar banane-kharidne ke liye ₹2.50 lakh tak sarkari sahayata (kendra+rajya hissa); home loan par ISS me 4% byaj subsidy, adhiktam ₹1.80 lakh

Seedha jawaab: Shahari EWS parivaaron ko BLC/AHP me ghar banane-kharidne ke liye ₹2.50 lakh tak sarkari sahayata (kendra+rajya hissa); home loan par ISS me 4% byaj subsidy, adhiktam ₹1.80 lakh.

Vibhag: Awas aur Shahari Karya Mantralaya (Ministry of Housing and Urban Affairs — MoHUA), Bharat Sarkar · Official portal: pmay-urban.gov.in · Jankari antim baar verify: 2026-10-20

Yojana ke baare me

PMAY-U 2.0 kendra sarkar ki shahari awas yojana ka dusra charan hai — Kendriya Mantrimandal ne 9 August 2024 ko ise manzoori di aur ye 1 September 2024 se lagu hai. Agle 5 saalon me 1 crore atirikt shahari parivaaron ko ghar banane, kharidne ya kiraye par lene me madad ka lakshya hai. Yojana 4 hisson (verticals) me chalti hai: BLC (apni zameen par khud ghar banana), AHP (bhagidari me bane kifayati ghar kharidna), ARH (kiraye ke ghar — pravasi, kaamkaji mahila aadi ke liye) aur ISS (home loan par byaj subsidy). Dhyaan dein: ye 2015 wali purani PMAY-U 1.0 se alag hai — purani CLSS subsidy (₹2.35 lakh / ₹2.67 lakh tak, ek saath milne wali) ab band hai; 2.0 me byaj subsidy ₹1.80 lakh tak hai aur 5 salana kishton me milti hai.

Kaun patr hai ✓

  • Parivaar EWS (salana aay ₹3 lakh tak), LIG (₹3–6 lakh) ya MIG (₹6–9 lakh) shreni me ho — kul salana parivarik aay ₹9 lakh se zyada na ho
  • Awedak ya parivaar ke kisi bhi sadasya ke naam par Bharat me kahin bhi pakka ghar na ho
  • Parivaar ne pichhle 20 saalon me kisi sarkari awas yojana ka labh na liya ho
  • BLC ke liye: EWS parivaar ke paas apni khali zameen ho (ya rajya/UT dwara zameen ke adhikaar/patta mile hon); AHP ke liye: EWS parivaar bhagidari pariyojana ka ghar kharid raha ho
  • ISS ke liye: home loan ₹25 lakh tak, ghar ki keemat ₹35 lakh tak, carpet area 120 sqm tak, aur loan 1 September 2024 ya uske baad sanction/disburs hua ho
  • Vidhwa, akeli mahila, divyang, varishth nagrik, SC/ST, alpsankhyak, safai karmi, PM SVANidhi ke path-vikreta, PM Vishwakarma karigar, anganwadi karmi, bandhkam mazdoor aur jhuggi/chawl nivasiyon ko prathmikta di jati hai

Kaun patr NAHI hai ✗

  • Jis parivaar ke kisi sadasya ke naam kahin bhi pakka ghar hai, ya jisne pichhle 20 saal me sarkari awas labh liya hai
  • Jiski salana parivarik aay ₹9 lakh se zyada hai (ISS/BLC/AHP ke liye)
  • ISS me 1 September 2024 se pehle ke purane home loan par nayi subsidy nahi milegi — wo purani CLSS (jo EWS/LIG ke liye 31 March 2022 aur MIG ke liye 31 March 2021 ko band hui) ke dayre ki baat thi

Patrata ke niyam samay-samay par badal sakte hain. Awedan se pehle apni sthiti official portal par confirm zaroor karein.

Kaunse documents chahiye

Apply kaise karein — step by step

  1. Official portal par jayeinSirf official Unified Web Portal pmay-urban.gov.in par jayein aur 'Apply for PMAY-U 2.0' chunein. Kisi agent ya nakli website ko paisa ya OTP na dein — aavedan bilkul muft hai.Official portal par jayeinScreenshot: pmay-urban.gov.in (guide ke liye)
  2. Patrata ki jaanch aur Aadhaar satyapanPortal pehle aapki salana aay aur buniyadi jankari se patrata ki prarambhik jaanch karta hai, phir Aadhaar number se satyapan (OTP) hota hai. Apatra paaye jaane par portal wahi suchna de deta hai.
  3. Vertical chunein aur form bhareinApni zaroorat ke hisab se ek vertical chunein — BLC (apni zameen par ghar), AHP (pariyojana me ghar), ARH (kiraye ka ghar) ya ISS (home loan subsidy). Vyaktigat, aay, pate aur parivaar ka vivaran bharkar mange gaye dastavej PDF me upload karein aur form submit karke application number surakshit rakhein.
  4. ISS ke liye bank/HFC se jodeinAgar aap ISS chunte hain to home loan kisi bank ya Housing Finance Company (HFC) se lein — loan 1 September 2024 ke baad sanction/disburs hona chahiye. Bank aapka subsidy daava Central Nodal Agency (NHB, SBI ya HUDCO) ke madhyam se aage bhejta hai.
  5. ULB/rajya ki jaanch aur manzooriAavedan ki jaanch rajya/UT aur shahari sthaniya nikay (ULB/Nagar Palika) karte hain. Manzoori rajya-stariya aur kendriya samitiyon (SLSMC/CSMC) ke madhyam se milti hai — isliye patrata ka antim nirnay sarkari jaanch ke baad hi hota hai, portal par form bharna hi manzoori nahi hai.

Status / kist kaise check karein

  1. Portal par aavedan sthitipmay-urban.gov.in ke Unified Web Portal par apne application/beneficiary vivaran se aavedan ki sthiti dekhein.
  2. ISS kisht ki jankari bank seByaj subsidy 5 salana kishton me seedha aapke loan khate me aati hai — shart hai ki us samay loan sakriya ho aur 50% se zyada mool rakam baki ho. Kisht aayi ya nahi, ye apni bank/HFC shakha se confirm karein.
  3. ULB kachahari se samparkBLC/AHP/ARH ke liye apne shahar ke Nagar Palika/Nagar Nigam (ULB) ke PMAY kaksh se pragati ki jankari milegi.
Thagi se bachein: Awedan bilkul muft hai. Koi vyakti naam jodne ya kist jaldi dilane ke paise mange, OTP mange, to turant mana karein aur helpline ya najdeeki police se shikayat karein. Apply hamesha sirf official portal (pmay-urban.gov.in) se karein.

Aksar puche jaane wale sawal (FAQ)

PM Awas Yojana Urban 2.0 me kitne paise milte hain?

Ye chune hue hisse (vertical) par nirbhar hai. BLC aur AHP me EWS parivaaron ko per ghar ₹2.50 lakh tak ki kul sarkari sahayata milti hai (isme kendra aur rajya dono ka anivarya hissa shamil hai — aam rajyon me kendra ₹1.50 lakh + rajya kam se kam ₹1 lakh; vishesh shreni ke rajyon/UTs me kendra hissa ₹2.25 lakh aur bina vidhan sabha wale UTs me pura ₹2.50 lakh kendra deta hai). ISS (home loan) me adhiktam ₹1.80 lakh byaj subsidy milti hai. Ek parivaar ko sirf ek hi vertical ka labh milta hai.

Home loan par ₹1.80 lakh ki subsidy kaise milti hai?

ISS ke tahat pehle ₹8 lakh ke loan par 4% salana byaj subsidy milti hai, adhiktam 12 saal ki avadhi ke hisab se, aur kul release adhiktam ₹1.80 lakh tak hoti hai. Shartein: kul loan ₹25 lakh tak, ghar ki keemat ₹35 lakh tak, carpet area 120 sqm tak, parivarik aay ₹9 lakh tak, aur loan 1 September 2024 ya uske baad sanction/disburs hua ho. Subsidy nakad haath me nahi milti — 5 barabar salana kishton me seedha loan khate me jama hoti hai, jisse mool rakam aur EMI ka bojh kam hota hai.

Purani CLSS subsidy aur nayi ISS me kya antar hai?

Purani PMAY-U 1.0 ki CLSS me ₹2.67 lakh tak ki byaj subsidy ek saath loan khate me milti thi — wo yojana MIG ke liye 31 March 2021 aur EWS/LIG ke liye 31 March 2022 ko band ho chuki hai (PIB ke anusaar CLSS se kul 25 lakh se zyada parivaaron ko ₹58,885 crore subsidy mili thi). PMAY-U 2.0 ki ISS bilkul nayi vyavastha hai: adhiktam ₹1.80 lakh, pehle ₹8 lakh loan par 4%, aur rakam 5 salana kishton me. Isliye purane ₹2.35 lakh/₹2.67 lakh wale aankde 2.0 par lagu na samjhein.

Kaun apply kar sakta hai — aay ki seema kya hai?

Shahari kshetra ke EWS (aay ₹3 lakh tak), LIG (₹3–6 lakh) aur MIG (₹6–9 lakh) parivaar apply kar sakte hain, basharte parivaar ke kisi sadasya ke naam kahin bhi pakka ghar na ho aur pichhle 20 saal me koi sarkari awas labh na liya ho. BLC aur AHP ka labh mukhya roop se EWS parivaaron ke liye hai, jabki ISS teeno shreniyon (₹9 lakh tak) ke liye hai.

Online apply kaise karein? CSC se ho sakta hai kya?

Aavedan pmay-urban.gov.in ke Unified Web Portal se online hota hai — Aadhaar satyapan ke baad form aur dastavej upload hote hain. Khud na bhar payein to nazdeeki CSC (Common Service Centre) ya apne ULB/Nagar Palika karyalaya ki madad le sakte hain. Dhyaan dein: form bharne ke baad rajya/ULB jaanch karke labharthi chunte hain — koi bhi vyakti 'pakki manzoori' ki guarantee nahi de sakta, aise daavon par paisa na dein.

Kya gaon ke liye bhi yahi yojana hai?

Nahi. Ye yojana sirf shahari (urban) kshetra ke liye hai. Gramin kshetra ke liye alag se PM Awas Yojana — Gramin (PMAY-G) chalti hai, jisme chayan SECC suchi aur Awaas+ survey se hota hai. Shahar me rehne wale yahan apply karein, gaon ke parivaar PMAY-Gramin ki jankari dekhein.

Jankari ke srot (Sources)

Koi jankari purani ya galat lage to Contact page par batayein — official source se verify karke turant sudhara jayega.

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