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How to apply for PMAY Urban 2.0 on the official portal

पीएमएवाई शहरी 2.0 के लिए आधिकारिक पोर्टल पर आवेदन

Last reviewed: 11 November 2026

You can apply for PMAY Urban 2.0 only on the official unified web portal run for the Ministry of Housing and Urban Affairs: https://pmaymis.gov.in/PMAYMIS2_2024/PmayDefault.aspx. This page explains the published steps so you know what to expect before you open it. This website does not take applications, does not ask for documents, and never asks for an OTP.

Apply only on the official Urban 2.0 portal

The scheme guidelines describe a single unified web portal where beneficiaries can apply and track their application in real time, and where States, urban local bodies, lending institutions and other stakeholders upload and verify information. The portal is the official route for registering demand under all four verticals, including the Interest Subsidy Scheme, whose demand is later forwarded to a lending institution.

Type the address yourself or use the link above. Official addresses end in .gov.in. If a page that is not on a government address offers to “apply for you” for a fee, or asks for an OTP, leave it.

Before you start: eligibility and documents

1. Check that your family is in a covered urban area and in the EWS, LIG or MIG band under the national definitions (EWS up to ₹3 lakh a year; LIG from ₹3 lakh up to ₹6 lakh; MIG from ₹6 lakh up to ₹9 lakh), or under your State’s officially redefined EWS ceiling. The helper on eligibility gives a definite category for the income you enter.
2. Confirm that no family member owns a pucca house anywhere in India, and that the family has not been allotted a house under a government housing scheme in the last 20 years.
3. Choose the one vertical you want to use. Beneficiary Led Construction and Affordable Housing in Partnership are for EWS families; Affordable Rental Housing is described for EWS and LIG; the Interest Subsidy Scheme is for EWS, LIG and MIG. See PMAY Urban 2.0.
4. Keep the papers that are commonly asked for ready — but keep them with you. See documents.

Step-by-step as published in the official user manual

The beneficiary application user manual published on the official MIS describes the process in this order. Screens can change; follow the portal on the day.

1. Open the portal. Go to the official PMAY-U 2.0 website at the address above.
2. Choose “Apply for PMAY-U 2.0”. The manual describes a menu with several buttons and asks applicants to use the “Apply for PMAY-U 2.0” option to register.
3. Read the guidelines and choose your vertical. The portal asks applicants to read the scheme information and to pick the vertical that fits their need and eligibility.
4. Answer the eligibility questions. These follow the national rules: income band, not owning a pucca house, and not having received a housing-scheme benefit in the last 20 years.
5. Verify identity on the official portal. The manual describes Aadhaar-based verification with an OTP sent by the official system. Type that OTP only on the official portal — never on this website or any unofficial page.
6. Fill in the survey form. Personal, family, address and income details, and, depending on the vertical, land or loan details. Family members are entered as defined in the scheme (husband, wife and unmarried children).
7. Upload what the portal asks for, such as income proof and, for Beneficiary Led Construction, land ownership proof.
8. Submit and save the application. Keep the application reference and any acknowledgement the portal gives you.

What happens after you submit

For Beneficiary Led Construction, Affordable Housing in Partnership and Affordable Rental Housing, the urban local body or the implementing agency validates the information, including land documents and economic status, and the beneficiary list is checked by the State or Union Territory before sanction. A district or city committee is responsible for selecting beneficiaries. Instalments for Beneficiary Led Construction are linked to geo-tagged construction stages.

For the Interest Subsidy Scheme, the application is forwarded to the lending institution you choose. The lender carries out its due diligence and, if the loan is eligible and disbursed, claims the subsidy through the Central Nodal Agency. Subsidy is released in five yearly instalments into the loan account. See interest subsidy.

To see your application later, use the applicant login on the same official portal. Steps are on status.

PMAY Gramin is not an online self-application in the same way

Rural households are identified from SECC 2011 and Awaas+ lists and verified by the Gram Sabha. To see whether your name is on the official list, use the services on pmayg.dord.gov.in. The Gramin list page explains how.

What this site will not do

• It will not take your application or upload documents for you.
• It will not ask for Aadhaar, PAN, a phone number, a bank account or an OTP.
• It will not charge a fee.
• It will not show a fake “application submitted” or “status approved” screen.

Choosing a vertical before you open the portal

Spend a few minutes on this before you register. Beneficiary Led Construction only works if you have land, or if the State will give a patta, and only for a new house — not for repairing the one you already live in. Affordable Housing in Partnership depends on a project being available in your city and on an official allotment. Affordable Rental Housing is for people who need a rented home, including migrants and working women, and is described for EWS and LIG. The Interest Subsidy Scheme needs a home loan from a participating lending institution, with the official caps on loan size, house value and carpet area. If you are unsure, read eligibility and ask the urban local body; do not register under two verticals.

After the urban local body has verified your details

Validation is not the same as a finished house. For Beneficiary Led Construction, later instalments depend on geo-tagged stages of construction. For Affordable Housing in Partnership, allotment should follow a transparent procedure approved by the State committee, and the project itself has an official completion window. Keep the acknowledgement the portal gives you, and use only the official login to see updates. If your mobile number changes, update it through the official process so that messages about subsidy or verification still reach you.