PMAY 2025 – The Government of India initiated the Pradhan Mantri Awas Yojana – Housing for All (Urban), commonly referred to as PMAY-Urban or PMAY HFA, in 2015. Its main aim is to provide housing to the Middle Income Group (MIG) and Economically Weaker Section/Low Income Group (EWS/LIG) individuals. According to PMAY Urban guidelines, the house size for EWS can be up to 30 square meters of carpet area, but individual States/Union Territories have the flexibility to adjust house sizes with the Ministry’s consent.
Below is comprehensive information regarding PMAY Urban, including Highlights, Objectives, Features, Eligibility Criteria, and details for EWS, LIG, MIG I, & MIG II under Pradhan Mantri Awas Yojana Urban, along with the Guidelines, Steps to Apply, and how to Check the Application Status.

PMAY Urban 2025
The ‘Housing for All’ initiative is the cornerstone of the Pradhan Mantri Awas Yojana Urban (PMAY-U), operational in urban settings. The scheme is supported by the central and state governments to facilitate housing projects. Beneficiaries from the Economically Weaker Section (EWS) and Low Income Group (LIG) receive a 6.5% interest subsidy from the government on home loans, while Middle Income Group (MIG-I) and MIG-II get 4% and 3% subsidies respectively for loans taken out for 20 years under the Credit Linked Subsidy Scheme (CLSS).
When selecting occupants for ground-floor accommodations in homes created under this scheme, priority will be given to seniors and the differently-abled, utilizing sustainable construction methods. The PMAY Urban scheme is designed to facilitate the construction of 1.05 crore affordable homes for the urban poor.
Update as of 9th August 2024: Launch of PM Awas Yojana – Urban 2.0
Pradhan Mantri Awas Yojana List
Highlights of Pradhan Mantri Awas Yojana Urban
Name | PMAY Urban |
Full Form | Pradhan Mantri Awas Yojana Urban |
Objective | Offering homes to MIG and EWS/LIG groups |
Benefits | Housing assistance for urban residents |
Official Website | https://pmaymis.gov.in |
Objectives of PMAY Urban
The key objectives of PMAY Urban are:
- To ensure housing for everyone in urban regions across India.
- To bridge the gap between the existing housing demand and supply.
- To promote affordable housing using the Credit Linked Subsidy Scheme (CLSS) for financially weaker sections.
- To enable private developers to convert slum areas into pucca (permanent) homes.
- To offer financial support to eligible families for constructing homes.
Features of PMAY Urban
Key features of the PMAY Urban initiative include:
- Beneficiaries can receive a 6.5% interest subsidy on housing loans, contingent upon their income level.
- Priority for ground-floor housing is given to senior citizens and individuals with disabilities.
- Loans are provided for constructing new homes or buying existing ones.
- The maximum loan duration available is 20 years.
- Eco-friendly and sustainable building technologies will be employed for the constructions.
- Essential services such as water, electricity, and gas connections will be assured.
Pradhan Mantri Gramin Awas Yojana
Eligibility Criteria for PMAY Urban
Applicants for PMAY Urban must meet the following criteria:
- Must not own a house anywhere in the country.
- Must not have received housing assistance under any other government scheme.
- Married couples or joint applicants can apply for the aid together.
Eligibility for EWS, LIG, MIG I & MIG II under PM Awas Yojana Urban
- Economically Weaker Section (EWS): Households with an income of Rs. 3 lakh or below are categorized as EWS. Relevant documentation must be provided, and the maximum carpet area is 30 square meters.
- Low Income Group (LIG): This group includes those with an annual income between Rs. 3 lakh and Rs. 6 lakh. Valid income proof is necessary. Maximum allowed area in this category is 60 square meters.
- Mid Income Group (MIG) I: Individuals in this category earn up to Rs. 12 lakh annually. They can apply for a loan of up to Rs. 9 lakh for a home of maximum 160 square meters.
- Mid Income Group (MIG) II: Eligibility extends to households earning between Rs. 12 lakh to Rs. 18 lakh per year, who can apply for housing loans up to Rs. 12 lakh for homes covering 200 square meters.
Guidelines for PMAY Urban
The guidelines for beneficiaries include:
- The household must include husband, wife, and any unmarried children.
- Previous benefits from other housing schemes disqualify beneficiaries.
- No family member should own a pucca house anywhere in India.
- If any adult member does not own a pucca house, they are treated as a separate household.
- Married couples can collectively own one house.
- Aadhaar numbers of all family members must be provided during the application.
How to Apply for PMAY Urban Scheme Online
To apply for the PMAY Urban Scheme online, please follow these steps:
- Visit the official PMAY Urban website.
- The homepage will be displayed on your screen.
- Log in to the official website.
- Select either Slum Dwellers or Benefits Under 3 Components under Citizen Assessment.
- Enter your Aadhaar Number and Name for verification.
- Fill in all required details in the application form.
- Type in the captcha for verification.
- Finally, click on the submit button to complete your application.
How to Check Your PMAY Application Status
To check the PMAY Application Status, follow the steps outlined below:
- First, log in to the PMAY Urban official website.
- Under Citizen Assessment, click on Track Your Assessment Status.
- A new page will appear, offering two options to check status:
- By Assessment/Application ID.
- By entering your Name, Father’s Name, and registered Mobile Number.
- Choose one method and provide the required information.
- Click on the Search button to view your application’s status.
Note: Guidelines, eligibility, and all processes provided herein are accurate as of 2025 and subject to further updates by the Government of India.