PM Awas Yojana Urban 2.0: Apply Online, Check Eligibility and Benefits

PM Awas Yojana Urban 2.0 (PMAY-U 2.0) is a government initiative aimed at providing affordable housing to people in urban areas, especially focusing on the economically weaker sections (EWS), lower-income groups (LIG), and middle-income groups (MIG). This ambitious program will run for five years, starting from September 1, 2024. The scheme offers central government assistance to help people construct, buy, or rent homes through four main components:

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

The program places special emphasis on female ownership, ensuring that homes built under the scheme are often registered in the name of the female head of the household or jointly in the names of both partners.

PM Awas Yojana Urban 2.0 Overview

The PM Awas Yojana Urban 2.0 is an important government initiative aimed at providing affordable housing to urban families in India, especially those who do not have a permanent home. Here’s a quick overview of the key details of the scheme:

PM Awas Yojana Urban 2.0 Key Features and Benefits

The PM Awas Yojana Urban 2.0 is designed to address the housing needs of urban populations, especially in the lower-income groups, by providing essential amenities and additional provisions like rainwater harvesting and solar energy systems. It also emphasizes female ownership and offers several ways to access affordable housing, whether through construction or rental options. This scheme aims to promote sustainable urban development, empower families, and create healthier living conditions in cities.

By making the application process both online and offline, the scheme ensures that families from all walks of life can easily apply and benefit from these housing opportunities.

Objective of PM Awas Yojana Urban 2.0

The PM Awas Yojana Urban 2.0 has several important goals designed to improve urban living for all residents, particularly those from underprivileged backgrounds. Here are the key objectives of the scheme:

• Affordable Housing for All: The main goal of the scheme is to provide affordable housing to urban residents, especially those from Economically Weaker Sections (EWS), Low-Income Groups (LIG), and Middle-Income Groups (MIG).
• Women’s Property Ownership: The scheme prioritizes female property ownership by ensuring that the houses are registered in the name of the female head of the household or jointly with her spouse. This empowers women and promotes gender equality.
• Inclusive and Accessible Housing: The initiative ensures that all citizens, including Persons with Disabilities (Divyangjan) and other vulnerable groups, have accessible housing that meets their needs.
• Essential Amenities for Better Living: The scheme guarantees that each house will be equipped with basic services like water, sanitation, electricity, roads, and sewerage systems, which will improve the quality of life for urban residents.
• Strengthening Urban Infrastructure: By focusing on affordable housing, the scheme not only aims to provide homes but also to strengthen urban infrastructure, improve living conditions, and boost economic development in cities.

In summary, the PM Awas Yojana Urban 2.0 seeks to transform urban areas by ensuring affordable, inclusive, and sustainable housing, especially for those in need, while promoting economic growth and improving quality of life for all citizens.

Coverage Under PMAY Urban 2.0

The PM Awas Yojana Urban 2.0 (PMAY-U 2.0) is designed to cover a wide range of urban areas to provide affordable housing to more people. Here’s a breakdown of its coverage:

This extended coverage ensures that the scheme will reach all urban areas, helping more people access affordable housing, no matter where they live. With the inclusion of new towns and cities, PMAY-U 2.0 aims to provide a wider reach to support the housing needs of urban residents.

PM Awas Yojana Urban Implementation Process

The implementation process for the PM Awas Yojana Urban 2.0 (PMAY-U 2.0) is designed to ensure that affordable housing is provided efficiently to urban residents. Here’s a simplified overview of the steps involved:

1. State and UT Involvement:
   To access central assistance, States/UTs must first implement reforms and develop an Affordable Housing Policy. After this, they will sign a Memorandum of Agreement (MoA) with the Ministry of Housing and Urban Affairs (MoHUA), agreeing to support affordable housing efforts according to the scheme’s guidelines.
2. Submission of Proposals:
   Once the MoA is signed, States/UTs will send proposals to MoHUA to include new towns and cities under PMAY-U 2.0 (except those already covered under the earlier version of the scheme).
3. Implementation by Local Authorities:
   The Urban Local Body (ULB) or the designated state agency will oversee the scheme in a city. Proposals from development authorities and related agencies must be approved by the State Level Appraisal Committee (SLAC), State Level Sanctioning and Monitoring Committee (SLSMC), and Central Sanctioning and Monitoring Committee (CSMC).
4. Demand Assessment:
   To understand the actual housing needs, States/UTs/ULBs will conduct assessments across various categories. Beneficiaries can register for housing demand on a central web portal, where eligibility will be checked. Families already owning pucca houses in rural areas will be excluded from the scheme.
5. Focus on Special Groups:
   States/UTs/ULBs must identify and prioritize Special Focused Groups (SFGs) in the scheme. These groups will receive priority access to the benefits of PMAY-U 2.0.
6. City-wise Housing Plan:
   Cities will create a housing plan based on the assessment, listing the demand for housing from eligible beneficiaries. This plan will be uploaded on the unified web portal and will follow the guidelines outlined in the scheme’s annexure.
7. Monitoring and Geo-tagging:
   The progress of construction will be monitored through Geo-tagging at five key stages: layout, foundation, lintel, roof, and completion. The use of Geo-tagging ensures transparency and accuracy in the construction process.
8. Disbursement of Central Assistance:
   Financial aid for Affordable Housing in Partnership (AHP) and Beneficiary Led Construction (BLC) projects will be disbursed in installments. These payments are tied to the Geo-tagging status, ensuring the proper execution of projects.
9. Timely Completion of Houses:
   States/UTs are expected to complete all the housing projects approved under PMAY-U 2.0 within the set timeline. To motivate beneficiaries, incentives like increased financial assistance and subsidized construction materials can be provided.
10. Lock-in Period:
    Once a house is completed or possession is granted under the scheme, there is a five-year lock-in period. During this time, beneficiaries cannot sell or transfer the house. This applies to houses built under BLC, AHP, or those receiving a loan under the Interest Subsidy Scheme (ISS).
11. Row Housing Projects:
    Under the AHP vertical, row housing projects can be proposed, ensuring that they meet all basic needs and include necessary social infrastructure.
12. Awareness and Education:
    To spread awareness about the scheme, national Information, Education, and Communication (IEC) activities will be organized. States/UTs/ULBs will also conduct local events, ensuring the PMAY-U 2.0 logo is prominently displayed.
13. Encouraging Innovative Construction:
    States/UTs are encouraged to explore innovative construction technologies that enhance energy efficiency, thermal comfort, and disaster resilience while being cost-effective.
14. Role of CSMC:
    The Central Sanctioning and Monitoring Committee (CSMC) will handle approvals, guide States/UTs/ULBs through challenges, and manage changes in capacity-building norms.

Through this process, the PM Awas Yojana Urban 2.0 aims to create a transparent, efficient, and inclusive system for delivering affordable housing to urban citizens, focusing on accountability, sustainability, and community empowerment.

Verticals Under Pradhan Mantri Awas Yojana Urban 2.0

The PM Awas Yojana Urban 2.0 (PMAY-U 2.0) offers four key verticals to address the diverse housing needs of urban residents. These verticals ensure affordable housing solutions for different segments of society, focusing on both ownership and rental options. Here’s an overview of the verticals under the scheme:

These verticals are designed to cater to a wide range of housing needs, ensuring that everyone, from homeowners to renters, has access to safe, affordable, and sustainable housing options. The scheme’s flexibility allows urban residents to choose the most suitable option for their housing requirements.

PMAY Urban 2.0 Funding Pattern

The funding under PM Awas Yojana Urban 2.0 (PMAY-U 2.0) involves a collaborative contribution from the Central Government, State Governments, and beneficiaries, ensuring affordability for various housing needs. The funding allocation varies across states and union territories, with additional incentives for adopting innovative construction methods. Agencies may also access loans to support housing development.

Here’s a detailed breakdown of the funding pattern:

Key Points:

• Central Assistance: The amount of financial aid from the Central Government depends on the state’s classification.
• State Contribution: States and UTs must meet minimum financial contribution requirements per unit to support the construction process.
• Additional Benefits: Innovative and cost-effective construction techniques are eligible for extra grants.
• ISS Funding: Beneficiaries can receive an interest subsidy of up to ₹1.80 lakh under the Interest Subsidy Scheme (ISS).
• Support for ARH: Affordable Rental Housing vertical provides subsidies per square meter to make rental housing affordable.

This funding structure ensures that the scheme is inclusive and caters to the housing needs of every state and union territory, while also encouraging innovation and affordability in construction.

Pradhan Mantri Awas Yojana Urban 2.0: How to Apply Online

Applying for PMAY Urban 2.0 is simple and can be completed online by following these steps:

Steps to Apply Online

1. Visit the Official Website:
   Go to the official PMAY website to begin the application process.
2. Select the Application Option:
   On the homepage, click on the “Apply PMAY 2.0 Urban Online” option. Alternatively, you can use the direct link provided on the website.
3. Aadhaar Verification:
   • A new page will open.
   • Enter your Aadhaar number or Virtual ID, tick the consent box, and click the “Check” button to proceed.
4. Fill Out the Application Form:
   • Once the form appears on your screen, enter all the required details.
   • Attach the necessary documents as specified.
5. Review Your Details:
   Double-check the form for any errors before submitting.
6. Submit the Form:
   Click on the “Submit” button to complete the application process.

How to Search for a Beneficiary

You can search for beneficiaries under PMAY Urban 2.0 by following these steps:

1. Visit the Website:
   Go to the official PMAY portal.
2. Access Beneficiary Search:
   On the homepage, click on the “Beneficiary Wise Funds Released” option under the “Search Beneficiary” section.
3. Enter Mobile Details:
   • On the new page, enter your registered mobile number.
   • Click on the “Send OTP” button.
4. Complete Verification:
   • Enter the OTP sent to your mobile number.
   • Click on the “View” button to view the details.

How to Check Application Status

To track the status of your PMAY Urban 2.0 application, follow these steps:

1. Visit the Website:
   Access the official PMAY portal.
2. Track Status:
   On the homepage, click on the “Track Status” option or use the direct link available on the site.
3. Choose Your Search Method:
   • You can choose to check the status using either:
     a) Name, Father’s Name & Mobile No, or
     b) Assessment ID.
4. Enter Details:
   • If using the Name, Father’s Name & Mobile No method:
     • Enter your state, district, father’s name, mobile number, and city name.
   • If using the Assessment ID method:
     • Enter your Assessment ID and mobile number.
5. Submit Your Details:
   Click on the “Submit” button to view your application status.