Shocking News! PM Awas Yojana Urban 2.0: Online Application, Eligibility, and Benefits 2024

PM Awas Yojana Urban 2.0 (PMAY-U 2.0) aims to provide affordable housing to economically weaker sections (EWS), lower-income groups (LIG), and middle-income groups (MIG) in urban areas. The mission will commence on September 1, 2024, and continue for five years. It offers central assistance for home construction, purchase, or rental through four major components:

1. Beneficiary Led Construction (BLC)
2. Affordable Housing in Partnership (AHP)
3. Affordable Rental Housing (ARH)
4. Interest Subsidy Scheme (ISS)

The scheme prioritizes women’s ownership, with home registration typically in the name of the female head or jointly with the spouse. Basic urban amenities such as water, electricity, and sanitation are mandatory, and additional facilities like rainwater harvesting and solar power systems are encouraged. States and Union Territories are responsible for local infrastructure and can adjust the house sizes within the allocated budget. The scheme also includes measures to ensure accessibility for disabled individuals and promote environmental sustainability.

This scheme is an extension of the government’s “Housing for All” mission aimed at providing affordable housing in urban areas. PMAY-U 2.0 will be implemented from September 1, 2024, for five years. Under this scheme, states and Union Territories will plan local infrastructure, with house sizes ranging from 30 to 45 square meters.

It will continue to cover cities and towns included under PMAY-U while incorporating new areas, subject to approval from the Ministry of Housing and Urban Affairs (MoHUA).

The primary objective of this scheme is to provide permanent housing to India’s urban homeless, thereby improving their standard of living and significantly reducing homelessness.

• Provide affordable housing for urban residents.
• Deliver homes for EWS, LIG, and MIG groups.
• Prioritize women’s ownership.
• Make special provisions for the disabled and vulnerable groups.
• Ensure essential services like water, electricity, and sanitation.
• Strengthen urban infrastructure and promote economic growth.

To avail of the benefits under PMAY-U 2.0, applicants must meet the following conditions:

• Must be a permanent resident of India.
• Families from EWS, LIG, and MIG categories without an existing permanent house can apply.
• Individuals who have received residential assistance in the last 20 years are ineligible.

Income Criteria:

• EWS: Annual income up to ₹3 lakh.
• LIG: Annual income between ₹3 lakh and ₹6 lakh.
• MIG: Annual income between ₹6 lakh and ₹9 lakh.

Priority Groups: Widows, single women, disabled individuals, senior citizens, minorities, and other vulnerable groups.

Documentation: Eligible applicants must possess an Aadhaar Card or Aadhaar Virtual ID.

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• Housing for all urban residents.
• Implementation through four major models:
  1. Beneficiary Led Construction (BLC)
  2. Affordable Housing in Partnership (AHP)
  3. Affordable Rental Housing (ARH)
  4. Interest Subsidy Scheme (ISS)
• Home registration in the female head’s name or jointly.
• Minimum carpet area: 30 square meters; Maximum: 45 square meters.
• Transparent and fair selection of beneficiaries through a District/ULB-level committee.

This scheme aims to ensure affordable and sustainable housing while enhancing the quality of urban living for India’s growing population.

Under the implementation of Prime Minister Awas Yojana (Urban) 2.0, to receive central assistance, states/union territories must implement reforms and develop a standard housing policy. States/UTs will sign a Memorandum of Agreement (MoA) with the Ministry of Housing and Urban Affairs, committing to providing various incentives for affordable housing, as outlined in the scheme’s guidelines.

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1. Post MoA Signing:
   • States/UTs will propose the inclusion of new towns and cities in PMAY-U 2.0, except for those already approved.
2. Urban Local Body (ULB):
   • The ULB or an assigned state office will assume a focal part in the execution of the plan in the city. Other agencies will present their proposals to the ULB through the State Level Approval Committee (SLAC), State Level Approval and Monitoring Committee (SLSMC), and Central Monitoring Committee (CSMC).
3. Housing Needs Assessment:
   • States/UTs and cities will assess housing needs in different categories. Eligible families can register on a unified web portal.
4. Eligibility Verification:
   • During registration verification, families with a permanent house in rural areas, who have moved to urban areas, will be excluded.
5. Identification of Specific Groups:
   • Special Priority Groups (SPGs) will be prioritized according to the guidelines to ensure they receive the scheme’s benefits.
6. Urban Housing Plan:
   • An urban housing plan will be developed based on available data for cities, detailing the housing needs for various categories of beneficiaries.
7. Monitoring of Construction:
   • Geo-tagging will be used to monitor the construction process.
8. Disbursement of Financial Assistance:
   • Central assistance will be provided in installments via Direct Benefit Transfer (DBT).
9. Completion Timeline:
   • All projects will be completed within the designated timeframe, with beneficiaries receiving financial assistance and discounted construction materials.
10. Lock-in Period:
    • Homes built under the scheme will have a five-year lock-in period during which they cannot be sold or transferred.

1. Beneficiary-Led Construction (BLC):
   • Provides financial assistance to economically weaker sections (EWS) to build a permanent house on their land.
2. Affordable Housing in Partnership (AHP):
   • Promotes the construction of affordable homes under state/private partnerships.
3. Affordable Rental Housing (ARH):
   • Encourages public and private investment to provide rental housing.
4. Interest Subsidy Scheme (ISS):
   • Provides subsidies on home loan interest for eligible individuals.

This scheme ensures the provision of affordable and sustainable housing for urban populations while promoting the use of modern technology.

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1. Identification of Eligible Projects:
   • States/Union Territories identify eligible projects for low-cost housing.
2. Detailed Project Report (DPR):
   • The implementing agencies prepare a DPR containing project details, beneficiary lists, maps, and estimated costs.
3. State-Level Approval:
   • The DPR is submitted to the State Level Approval and Monitoring Committee (SLSMC) for approval.
4. Central Ministry Review:
   • After state approval, the proposal is sent to the Ministry of Housing and Urban Affairs (MoHUA) for central assistance.
5. Fund Approval:
   • MoHUA audits the proposition and endorses assets as per the rules and standards.
6. Direct Fund Transfer:
   • The approved funds are directly transferred to the beneficiary’s account.
7. Project Execution:
   • The implementing agency begins construction or other activities as per the approved plan.
8. Regular Monitoring:
   • SLSMC and MoHUA regularly monitor the project to ensure timely completion and compliance with regulations.
9. Geotagging and Reporting:
   • Projects are geo-tagged, and regular reports are submitted to monitor fund usage.
10. Transparent Allotment:
    • Upon completion, homes are allocated to beneficiaries through a transparent process.

To apply for this scheme, follow these steps:

1. Visit the official website pmaymis.gov.in.
2. On the landing page, click on the “Apply Now” choice or snap on the connection beneath.
3. A new page will appear on your screen. The applicant needs to enter their Aadhar number or Virtual ID, check the consent box, and click on the “Check” button.
4. The application form will appear, where the applicant needs to fill in all required details and attach necessary documents.
5. After entering all details, review the form.
6. Click on the “Submit” button to complete the application.

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Follow these steps to find eligible beneficiaries:

1. Visit the official website pmaymis.gov.in.
2. On the landing page, click on the “Recipient Wise Assets Delivered” choice.
3. On the new page, enter your registered mobile number and click on the “Send OTP” button.
4. Enter the OTP and click on the “View” button to finish the cycle.

1. Visit the official website pmaymis.gov.in.
2. On the landing page, click on the “Track Status” choice.
3. A new page will appear with two options to check the status: “Name, Father’s Name & Mobile No” or “Assessment ID”.
4. If you choose to check using the father’s name, enter your state, district, father’s name, mobile number, and city name.
5. Assuming you wish to really look at utilizing the Appraisal ID, enter the Evaluation ID and versatile number.
6. After entering all details, click on the “Submit” button.

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