Pradhan Mantri Awas Yojana (PMAY) 2026: Complete Guide to PMAY-U 2.0 and PMAY-G
The year 2026 marks a pivotal phase for India’s housing mission. With the launch of PMAY-Urban 2.0 and the extension of PMAY-Gramin until 2029, the dream of "Housing for All" is moving toward its next big milestone. Whether you are an urban professional looking for an interest subsidy or a rural family planning to build a pucca house, here is everything you need to know about Awas Yojana 2026.
1. PMAY-Urban 2.0: The New Frontier
Launched to support 1 crore urban families over five years (2024–2029), PMAY-U 2.0 specifically targets the EWS, LIG, and Middle-Income Groups (MIG).
Key Verticals of PMAY-U 2.0
Beneficiary-Led Construction (BLC): Provides financial assistance of up to ₹2.5 lakh to EWS families to build houses (30–45 sqm) on their own land.
Interest Subsidy Scheme (ISS): A major highlight for 2026. If you take a home loan of up to ₹25 lakh (for a house valued up to ₹35 lakh), you can get a 4% interest subsidy on the first ₹8 lakh of the loan.
Affordable Housing in Partnership (AHP): Financial aid for houses built by public or private agencies.
Affordable Rental Housing (ARH): Specifically designed for urban migrants and industrial workers.
2. PMAY-Gramin: Extension to 2029
The government has officially extended PMAY-G to March 31, 2029, with a goal to construct an additional 2 crore houses in rural India.
Benefits in 2026
Financial Aid: Plain areas receive ₹1.20 lakh, while hilly and difficult areas (NE states, Himalayan states) receive ₹1.30 lakh.
MGNREGS Integration: Beneficiaries are entitled to 90–95 days of unskilled labor wages for building their own home.
Tech-Driven Transparency: The new AwaasSAKHI mobile app is being used in 2026 to streamline verification and prevent fraud.
3. Eligibility Criteria for 2026
To apply for the Awas Yojana in 2026, you must meet the following income and ownership requirements:
| Category | Annual Household Income | Ownership Requirement |
| EWS | Up to ₹3 Lakh | No pucca house anywhere in India |
| LIG | ₹3 Lakh – ₹6 Lakh | No pucca house anywhere in India |
| MIG | ₹6 Lakh – ₹9 Lakh | No pucca house anywhere in India |
Note: For EWS and LIG categories, the house must be registered in the name of the female head of the household or held jointly.
4. How to Apply Online in 2026
The application process has been simplified through the unified portal and mobile applications.
Steps for PMAY-Urban 2.0:
Visit the official
PMAY-Urban Portal Click on "Citizen Assessment" and choose the relevant component (e.g., ISS or BLC).
Enter your Aadhaar Number for verification.
Fill in the application form with personal, income, and bank details.
Submit and track your Assessment ID.
Steps for PMAY-Gramin:
Beneficiaries are usually identified via the Socio-Economic Caste Census (SECC) data.
You can check your status or register through the UMANG App by searching for "PMAY-G".
Contact your local Gram Panchayat to ensure your name is in the Permanent Wait List (PWL).
5. Documents Required
Identity Proof: Aadhaar Card (Mandatory), Voter ID, or PAN Card.
Address Proof: Electricity bill, Ration card, or Water bill.
Income Proof: Salary slips, IT returns, or an Income Certificate from the Tehsildar.
Property Documents: Affidavit stating you do not own a pucca house; land ownership papers (for BLC).
Frequently Asked Questions (FAQs)
Q1: Can I apply if I already have a small pucca house? Yes, if your house is less than 21 square meters, you may be eligible under the "Enhancement" category.
Q2: What is the maximum subsidy amount in 2026? Under the Interest Subsidy Scheme (ISS), you can receive a maximum benefit of ₹1.80 lakh credited directly to your loan account.
Q3: Is there a deadline for the 2026 application? PMAY-U 2.0 is active until 2029, but it is better to apply early as state-wise targets are filled on a first-come, first-served basis.