The process to PMAY 2.0 Apply Online 2025 has started for people who want to build or buy their own house. The government has launched PMAY 2.0 under the Pradhan Mantri Awas Yojana (Urban and Gramin). This scheme offers financial help to low-income and middle-income families to build a pucca house.
In this article, you will get full details about PMAY 2.0. We will cover the objective, benefits, eligibility, documents needed, and how to apply online for 2025. If you are planning to apply for your first home, then read this article carefully till the end.
What is PMAY 2.0?
PMAY 2.0 stands for Pradhan Mantri Awas Yojana Phase 2. It is an improved version of the original PMAY scheme. The goal is to provide “Housing for All” by 2026. It covers both urban and rural areas. The central government gives a credit-linked subsidy to eligible families for constructing or buying a house.
PMAY 2.0 includes:
- PMAY-Urban (for cities and towns)
- PMAY-Gramin (for villages and rural areas)
Objective of PMAY 2.0
The main aim of PMAY 2.0 is to:
- Provide permanent homes to people who don’t own one.
- Offer subsidized loans for buying or constructing homes.
- Replace kachcha or weak houses with pucca houses.
- Improve living conditions of low-income families.
Who Can Apply for PMAY 2.0?
To pmay 2.0 apply online 2025, the applicant must meet certain eligibility conditions. These are:
General Eligibility
- The applicant must be a citizen of India.
- Must not own a pucca house in any part of India.
- Should not have taken benefit from any other housing scheme.
Income Criteria
PMAY 2.0 is divided based on income groups:
- EWS (Economically Weaker Section) – Income up to ₹3 lakh/year
- LIG (Lower Income Group) – Income between ₹3 to ₹6 lakh/year
- MIG-I (Middle Income Group-I) – Income between ₹6 to ₹12 lakh/year
- MIG-II (Middle Income Group-II) – Income between ₹12 to ₹18 lakh/year
Benefits of PMAY 2.0
If you apply under pmay 2.0 apply online 2025, here are the major benefits:
- Subsidy up to ₹2.67 lakh on home loan interest.
- Lower EMI as the interest rate is reduced by 3% to 6.5%.
- Financial aid to construct new houses.
- Priority for women, SC/ST, differently-abled, and senior citizens.
- Encouragement of eco-friendly and disaster-resistant housing.
Documents Required for PMAY 2.0 Apply Online
Before applying for PMAY 2.0 online, make sure you have these documents:
Personal Documents:
- Aadhaar card (mandatory)
- PAN card
- Voter ID or any other government ID
Income Proof:
- Salary slip (for salaried persons)
- ITR (for self-employed)
- BPL certificate (if available)
Property Documents:
- Proof of land or property ownership (if constructing house)
- NOC from builder (if buying flat)
- Sale agreement or allotment letter
Bank Details:
- Bank account passbook or cancelled cheque
Other:
- Passport-size photo
How to PMAY 2.0 Apply Online 2025 – Step-by-Step
Follow these steps to apply online for PMAY 2.0 in 2025:
Step 1: Visit the Official PMAY Website
To apply under PMAY-Urban (PMAY-U), go to the official website:
🔗 https://pmaymis.gov.in
For PMAY-Gramin (Rural) housing schemes, visit:
🔗 https://pmayg.nic.in
Step 2: Click on “Apply for PMAY-U 2.0”
On the homepage, find and click the “Apply for PMAY-U 2.0” option.
You will now be asked to choose your income group:
- EWS – Economically Weaker Section
- LIG – Low-Income Group
- MIG-I or MIG-II – Middle-Income Groups
After selecting, you will be redirected to the pre-eligibility check page.
Step 3: Fill in Eligibility Details
On this page, provide the following details:
- Select your State or Union Territory
- Enter your annual household income
- Choose your preferred scheme vertical:
- Beneficiary-Led Construction (BLC)
- Affordable Housing Partnership (AHP)
- In-Situ Slum Redevelopment (ISSR)
- Answer: Have you received any housing scheme benefit earlier?
Click on the “Check Eligibility” button to proceed.
Step 4: Enter Your Aadhaar Number
Now enter your 12-digit Aadhaar number.
⚠️ This is a mandatory step. Without Aadhaar verification, you cannot continue the online application.
Step 5: Fill in the Application Form
Once your Aadhaar is verified, the full application form will appear.
Carefully fill in all required fields:
- Full Name (as per Aadhaar)
- Father’s / Mother’s / Spouse’s Name
- Gender & Age
- Complete Address with PIN Code
- Mobile Number
- Employment Status
- Annual Income
- Property or Land Ownership Status
✅ Double-check your entries to avoid rejection or delays.
✅ Step 6: Submit the Application
Once the form is filled out:
- Click the “Submit” button.
- You will receive a system-generated Application Number.
📝 Note this number carefully. You’ll need it later to check your application status.
✅ Step 7: Save or Print the Form
After submission, you can:
- Download a soft copy of your application form
- Print the application for your own records
It’s strongly recommended to keep both a digital and physical copy.
PMAY 2.0 Offline Application – How to Apply
If you cannot apply online, visit the nearest:
- CSC center (Common Service Centre)
- Municipal office / Panchayat office
Give the application form and required documents. You will get an acknowledgment slip.
How to Check PMAY 2.0 Application Status
After applying under pmay 2.0 apply online 2025, you can check the status like this:
- Visit https://pmaymis.gov.in
- Click on “Track Your Assessment Status”
- Enter your Application Number or Aadhaar number
- Click “Submit”
You will see the status of your PMAY 2.0 application.
PMAY 2.0 CLSS (Credit Linked Subsidy Scheme)
The Credit Linked Subsidy Scheme (CLSS) is the most important part of PMAY 2.0. Here is the subsidy detail based on income group:
| Income Group | Subsidy (%) | Max Loan Amount | Max Subsidy (₹) |
|---|---|---|---|
| EWS/LIG | 6.5% | ₹6 lakh | ₹2.67 lakh |
| MIG-I | 4.0% | ₹9 lakh | ₹2.35 lakh |
| MIG-II | 3.0% | ₹12 lakh | ₹2.30 lakh |
Important Points to Remember
- Aadhaar is compulsory for online application.
- Do not submit fake documents.
- Only first-time home buyers can apply.
- Always apply through official PMAY portal or CSC.
- You can also apply through banks offering PMAY loan subsidy.
When Will You Get the Subsidy?
After you apply, the documents are verified by:
- Government agency
- Your loan provider (bank)
Once verified, the subsidy is transferred to your loan account. It may take around 3 to 6 months.
Contact & Helpline
If you face any issue while applying under pmay 2.0 apply online 2025, contact:
- PMAY Toll-Free Number: 1800-11-6446
- Alternate Helpline: 1800-11-3377 / 1800-11-3388
- Email: [email protected]
Who is eligible for PMAY 2.0?
Citizens who don’t own a pucca house, have not availed benefits under any housing scheme, and fall under EWS, LIG, or MIG-I income groups are eligible. Aadhaar and income proof are required.
How much subsidy can I get under PMAY 2.0?
Eligible applicants can get up to ₹1.8 lakh subsidy on home loan interest under the Credit Linked Subsidy Scheme (CLSS) of PMAY 2.0.
Can I apply offline for PMAY 2.0?
Yes. Visit your nearest CSC centre, municipal office, or approved bank to submit your application with all documents.
What is the last date to apply for PMAY 2.0?
As per current updates, the final deadline for PMAY 2.0 applications and completion is December 31, 2025.
Final Words
The government is working hard to make sure everyone in India has a roof over their head. The pmay 2.0 apply online 2025 process is simple and helpful for low-income and middle-income families.
If you are eligible, don’t miss this chance. Apply today and get a permanent home of your own with the help of government subsidy. Always apply through official channels and keep your documents ready.