Imagine having your own home that you can feel secure and at ease. If you are an upper or lower income family who live in cities and not having a house and want to own a home, you can take advantage of the Pradhan Mantri Awas Yojana (PMAY) 2025 could bring your dream of owning a home to life. The most popular government program is now PMAY-Urban 2.0 which brings new benefits and possibilities for one million people living in urban areas across India. This scheme offers substantial financial aid, including the central assistance of up to Rs 2.50 lakh crore which makes homeownership more affordable to families who were previously unable to pay for it.
PMAY 2025, also known as PMAY-Urban 2.0 is the government’s revised housing scheme that was announced in September 2024 and will run for 5 years, up to 2029. The goal of this program is to provide “Housing for All” by providing financial aid to urban families who are eligible for construction, buying or renting affordable homes. The program targets households from the Economically Weaker Sections (EWS), low Income Groups (LIG) as well as the Middle Income Groups (MIG) which do not own a pucca home any place in India.
About Pradhan Mantri Awas Yojana
The scheme is operated through four major areas: Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH) as well as Interest Subsidy Scheme (ISS). In BLC you can build your own home on land using government aid. AHP lets you purchase homes built by private or public organizations. ARH offers rental housing as well as ISS provides interest-free mortgages for homes.
Pradhan Mantri Awas Yojana 2025-26 : Overview
| Aspect | Details |
| Scheme Name | Pradhan Mantri Awas Yojana Urban 2.0 (PMAY-U 2.0) |
| Duration | Five years (September 2024 through 2029) |
| Target Beneficiaries | One crore family members from urban households of EWS, LIG, MIG categories. |
| Total Financial Support | Rs 2.50 lakh crore as central assistance |
| Four Verticals | BLC, AHP, ARH, ISS |
| Application Portal | http://pmaymis.gov.in |
| Current Campaign | Angikaar 2025 (Sept 4 – Oct 31, 2025) |
| Progress | 8.56 lakh houses are approved (as as of August 2025) |
Eligibility Criteria for PMAY 2025
You may submit an application for PMAY 2025 in the event that you meet specific criteria for income and ownership. The program categorizes beneficiaries based on their annual household incomes: EWS families earn up to Rs 3 lakh annually. LIG family members earn Rs 3 and 6 lakh while MIG households earn 6 and 9 lakh annually. You cannot have any permanent property in India that is under your own name or a relatives’ names. Your family consists of spouses unmarried sons, unmarried brothers, and daughters who are not married.
PMAY Special Priority Groups
The scheme offers preference to widows and single women, people who are disabled, seniors transgenders, as well as members of Scheduled Tribes or Scheduled Castes. A special attention is on street vendors in the PM-SVANidhi scheme, artisans in the PM-Vishwakarma scheme Anganwadi construction workers, employees and slum dwellers.
PMAY Financial Benefits and Subsidy Structure
| Category | Annual Income | Interest Subsidy | Maximum Subsidy Amount | Carpet Area |
| EWS | Up to Rs 3 lakh | 6.5 percent on loans up to Rs 6 lakh | Rs 2.67 lakh | 30 sq.m |
| LIG | The amount is Rs. 3-6 lakh | 6.5 percent on loans up to Rs.6 lakh | Rs 2.67 lakh | 60 sq.m |
| MIG-I | The amount is between Rs 6 and 12 lakh. | 4.4% on loans up to Rs 9 lakh | Rs 2.35 lakh | 160 sq.m |
| MIG-II | Amount of Rs 12-18 lakh | 3.3% interest on loans up to Rs 12 lakh | Rs 2.30 lakh | 200 sq.m |
With the introduction of PMAY-Urban 2.0 eligible families will be able to get the sum of Rs 1.80 lakh in loan subsidies over five installments per year. For home loans the maximum amount of loan is Rs 25 lakh for homes worth up to Rs 35 million.
Application Process for PMAY 2025
You are able to make an application to PMAY 2025 via the unification portal on pmaymis.gov.in. The process for applying will require the submission of your Aadhaar number, proof of income PAN card, proof of income and documents proving land ownership (for BLC vertical). To begin, sign-up on the portal and choose your preferred category (EWS or LIG MIG). Apply through the PMAY-partner lending institution, that includes large banks such as SBI, HDFC, ICICI and a variety of NBFCs.
PMAY Current Campaign: Angikaar 2025
It is conducting Angikaar 2025, a national campaign that runs from September 4 through the 31st of October 2025 to speed up the process of completing applications. The campaign includes door to door drives housing camps, door-to-door drives, and verification on-the-spot to assist families who are eligible to access benefits more quickly. 17 September 2025 was celebrated as PMAY-U Diwas, which was the one-year anniversary of the PMAY-Urban 2.0.
PMAY Recent Updates
In August 2025 PMAY-Urban 2.0 has been approved 8.56 lakh homes, with another 1.47 lakh houses approved in the last Central Sanctioning and Monitoring Committee meeting. The scheme has provided 32,551 houses to Scheduled Castes. 5,025 to Scheduled Tribes, and 58.375 for other backward classes. Central assistance is available for 14 states, and Union Territories for various projects.
PMAY Houses Construction Timeline
Under BLC you are able to construct homes with a minimum of 30 sq.m and a maximum of 45 sq.m carpet space, which is required to get completed in 12-18 month of approval. AHP projects have to be completed within 24 to 36 months after receiving the legal approvals. Every house must have basic amenities such as water and electricity, kitchens and toilets.
PMAY 2025 is a government’s renewed determination to provide affordable housing to people living in urban areas across India. With its broad approach that spans four different verticals, this scheme provides multiple avenues towards homeownership based upon the specific requirements and conditions of your situation. Current Angikaar 2025 campaign offers an opportunity to speed up your application, and benefit from simple procedures.
It doesn’t matter if you’re planning to build your own home, buy the land from builders, or even rent low-cost housing, the PMAY 2025 offers the capacity to help you achieve your dream of housing. With substantial financial assistance as well as interest-free loans, and a the focus on promoting inclusive development, this program will help you turn your dream of owning your own home into a reality. Make use of the current campaign and submit your application through the official website to ensure your family’s future with a secure, permanent home.
Frequently Asked Questions
Do I qualify for PMAY 2025 if had benefits from prior housing programs?
No, if you were a beneficiary of any housing program of Central Government, State Government and Local Self Government in the recent 20 years, then you’re not qualified in PMAY U 2.0.
How long is the obligatory lock-in time for PMAY houses?
There is a five-year mandatory lock-in time period starting from the date of completion (BLC) (BLC), possession (AHP) or the first installment on a loan (ISS) that you are unable to transfer or sell the property.
Do I have to own land in order to be eligible in PMAY?
For just the BLC Vertical, it is required that you must to own the land. Other verticals like AHP and ISS Land ownership is not necessary as long as you can rent or buy houses.