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What is PMAY Urban?

A Central government-run housing scheme, PMAY-Urban aims to provide ‘Housing for All’. Through this scheme, the government aims to ensure that every resident of India enjoys housing facilities by 2022. Read on to know more about the PMAY-Urban initiative, including its features, eligibility criteria, programmes, and how to apply.

PMAY HFA Urban: Features

The PMAY-Urban scheme has many features, namely: 

  • Beneficiaries can avail a subsidy of up to 6.5% on housing loans

  • Beneficiaries can use the loan to service the expenditure of building or purchasing a home

  • The loan repayment period can range up to 20 years

  • Senior citizens, women, and differently-abled people are given priority

  • Authorities ensure that the housing units are built using sustainable, eco-friendly technology

  • Houses built under the scheme include utilities such as water, gas, and electricity

PMAY Urban Eligibility

Here are the requirements that beneficiaries must meet to avail a loan under the PMAY-Urban scheme: 

  • The family should consist of husband, wife, and unmarried kids.

  • None of the family members must own pucca homes within the country.

  • Beneficiaries should not have availed any government-driven housing scheme.

  • When applying for the loan, the Aadhaar number of every family member must be disclosed.

  • A married couple can avail a single home while acting as joint owners

  • Adult earning members of the household are considered as separate entities

PMAY Urban Scheme: Programmes

As part of the PMAY-Urban scheme, you can avail any of the following programmes to help you attain your dream of homeownership:

  • Credit-Linked Subsidy Scheme (CLSS): You can enjoy a housing loan interest subsidy of up to ₹2.67 Lakhs under this scheme. The subsidy that you avail depends upon the income category that you fall under. 

  • In-Situ Slum Redevelopment (ISSR): Through PMAY-Urban, the government will partner with private firms to develop housing for individuals living in slum areas. Authorities use the same land to build decent living spaces for existing occupants. Every eligible family home will receive a grant of ₹1 Lakh for rehabilitation.

  • Subsidiary for Beneficiary-Led Construction (BLC) or Enhancement: This scheme is curated for families belonging to the Economically Weaker Section (EWS). Assistance of up to ₹1.5 Lakhs is offered to individuals who belong to this category. It can be availed when building a new home or enhancing an existing one.

How to Apply for PMAY Urban

Follow these simple steps to apply for the PMAY-Urban scheme: 

  • Step 1: Visit the official PMAY website at PMAY-HFA(Urban).

  • Step 2: Click on the ‘Citizen Assessment’ tab located at the top of the navigation panel.

  • Step 3: Select between ‘Benefit Under Other 3 Components’ or ‘For Slum Dwellers’ 

  • Step 4: Now, enter your Aadhaar number and click on ‘Submit’.

  • Step 5: Once the application has been verified, you will be directed to the next page, which will ask you to furnish elementary details pertaining to you.

  • Step 6: Fill in all the details about yourself and your family.

  • Step 7: Assess the details to verify for accuracy.

  • Step 8: Once done, enter the captcha code and click on ‘Submit’. This step concludes the process of applying for the PMAY-Urban scheme.


The government of India aims to provide houses to all eligible residents of the country through Pradhan Mantri Awas Yojana. The features and benefits of this scheme are unique. You must have understood who all are eligible to apply for PMAY and how you can apply for the PMAY-Urban scheme to avail of a home loan. If you are interested in applying for this scheme, you can visit Bajaj Markets. Bajaj Markets has partnered with various housing loan providers to help you access the benefits of the PMAY scheme.


Yes, you can avail of the PMAY-Urban scheme as long as you meet the eligibility criteria.

Yes, the PMAY-Urban scheme can be availed by a married couple. However, the couple is only eligible for a single house under the scheme. However, they should not own a pucca home anywhere in the country.

No, the PMAY-Urban scheme can be availed only under one income category.

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