The Government of India has launched a new phase of the housing initiative named Pradhan Mantri Awas Yojana – Urban 2.0 (PMAY-U 2.0), approved by the Hon’ble Prime Minister Shri Narendra Modi. This scheme aims to provide financial assistance for housing to 1 crore urban poor and middle-class families across the country.
Under PMAY-U 2.0, eligible beneficiaries can receive support to construct, purchase, or even rent a house. The implementation will be carried out in collaboration with States, Union Territories, and financial institutions like banks.
A total budget allocation of ₹2.30 lakh crore has been earmarked for the next five years to support this initiative.
This scheme primarily targets people residing in urban areas. Under the earlier phase of the scheme, over 1.18 crore houses were already sanctioned, out of which approximately 85.5 lakh houses have been constructed and handed over to the beneficiaries. Millions of families have already benefited, and many more are expected to benefit under this renewed effort.
About Middle Class Housing Scheme
On 15th August 2023, the Hon’ble Prime Minister, during his address from the Red Fort, announced that a new scheme would be introduced to support poor and middle-class families in owning or building their own homes, ensuring a better standard of living. Acting on this vision, the Union Cabinet, on 10th June 2024, approved a major decision to extend housing assistance to an additional 3 crore families across rural and urban areas.
This decision was taken in view of the growing number of newly eligible families who are still in need of proper housing. To fulfil the Prime Minister’s commitment that no citizen should remain homeless, the government has launched PMAY-U 2.0 (Pradhan Mantri Awas Yojana – Urban 2.0). Under this expanded initiative, the government plans to invest ₹10 lakh crore to provide homes to one crore families, helping them lead secure and dignified lives.
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Objective of Middle Class Housing Scheme
The primary objective of the Middle Class Housing Scheme is to extend support to economically weaker and middle-class families who are currently living in rented accommodations or dilapidated houses. Due to financial constraints, these families are unable to build or purchase a home of their own. Through this scheme, the government aims to provide financial assistance to help them either construct or buy a safe and adequate house. This initiative is designed to improve their quality of life by offering a more secure, stable, and comfortable living environment for them and their families.
Middle Class Housing Scheme Important Facts
| Name of the Scheme | Middle Class Housing Scheme |
| Launched by | Government of India |
| Objective | To provide affordable housing |
| Target Audience | Middle-class and low-income families |
| Eligibility | Based on income and family details |
| Financial Assistance | Subsidy for house construction |
| Application Process | Online application through PMAY website |
| Documents Required | Aadhaar, income proof, bank details |
| Housing Types | Construction, purchase, or rental |
| Official Website | https://pmay-urban.gov.in/ |
Eligibility Criteria of Middle Class Housing Scheme
Eligibility and Guidelines for Housing Scheme Benefits
Selection Process:
Beneficiaries will be selected by a district-level committee headed by the District Magistrate or Commissioner. The state government may nominate two additional public representatives to this committee.
Urban Residency & Income Criteria:
The applicant’s family must reside in a city and belong to one of the following income groups:
EWS (Economically Weaker Section): Annual income up to ₹3 lakh
LIG (Lower Income Group): ₹3 lakh to ₹6 lakh
MIG (Middle Income Group): ₹6 lakh to ₹9 lakh
Note: States may revise the EWS income limit only with prior approval.
Ownership Condition:
The family must not own a pucca (permanent) house anywhere in India.
Exclusion Clause:
Families or individuals who have already received a house under any government housing scheme within the past 20 years are not eligible for this scheme.
Preference Categories:
Priority will be given to:
- Widows and single women Persons with disabilities Senior citizens SC/ST and transgender individuals Economically disadvantaged group
- Additionally, special focus will be on:
- Safai karmis (sanitation workers)
- Street vendors (including those under PMSVANidhi)
- Anganwadi workers
- Daily wage labourers
- People living in slums or chawls
Family History Consideration:
If a beneficiary’s parents have already been allotted a pucca house under any scheme, that person will be considered for benefits only after others with no previous family benefits.
Scheme Restrictions:
Houses cancelled by the government-appointed committee on or after 31st December 2023 will not be re-allotted under this scheme.
A person can avail the benefit of either PMAY-G or PMAY-U 2.0, but not both.
Identification Requirement:
All family members must submit their Aadhaar number or Aadhaar Virtual ID. Those who do not yet have one must obtain it promptly.
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Required Documents for Middle Class Housing Scheme
These documents are required to apply for the housing scheme:
- Aadhaar Details of Applicant
- Aadhaar Details of Family Members
- Bank Account Details linked with Aadhaar
- Proof of Income
- Land Document (for BLC vertical)
- Allotment or Rejection Letter (if applied earlier under any housing scheme)
Salient Features of Middle Class Housing Scheme
Here are some important features under the Middle Class Housing Scheme, which are as follows:
- Help is being given to families in cities so they can build, buy or even rent a house if they don’t have one already, and it will make their living better.
- Poor and middle-class families who don’t own any pucca house anywhere in India will be picked under this scheme by the authorities.
- Big money of Rs. 2.30 lakh crore is being given by government for helping people to get their own houses under this scheme.
- One crore families are planned to be helped in the next 5 years, and this is being done under the new Pradhan Mantri Awas Yojana-Urban 2.0.
- More focus is being given to old people, single women, widows, disabled persons and other weaker groups who really need a house to live safely.
- State and Central government both will be sharing cost of houses, and some part must also be paid by the person who is getting the house.
- For making houses strong and fast, new building materials and smart technology are being planned to be used by builders and planners.
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Middle Class Housing Scheme Apply Online 2025
To Apply Online for Middle Class Housing Scheme 2025, please follow theses below mentioned steps:
- Step 1: First, open the PMAY Urban Website where you will find all the important details about the scheme and the process.
- Step 2: On the homepage, you will see the option “Apply for PMAY-U 2.0”; click on it to open the next page where you can begin your application process.
- Step 3: On the next page, you will again see the “Apply for PMAY-U 2.0” option, click on it to proceed further and move to the next stage of the application.
- Step 4: A page with instructions will now open, explaining the steps. To move ahead, click on the “Click to Proceed” button and get ready to submit your details.
- Step 5: Once you see the list of required documents, collect them as instructed, and after that, click on the “Proceed” button to continue with the application.
- Step 6: A new page will open for you to check your eligibility. You will need to enter your state, annual household income, and other important details to confirm you qualify.
- Step 7: After filling in the details, click on the “Eligibility Check” button. This will open the application page where you can complete the rest of the process.
- Step 8: On the application page, carefully fill in all the necessary information, and ensure that you upload the required documents as per the instructions on the page.
- Step 9: Once you have reviewed everything and confirmed that all details are correct, click on the Submit button to complete the application process and submit it successfully.
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Details to be filled under Application Form
Information to be filled under the application of Middle Class Housing Scheme includes:
- Personal details of the applicant
- Family income details
- Residential address and contact information
- Family members’ details
- Bank account details linked with Aadhaar
- Aadhaar number and details
- Proof of income and property (if applicable)
Middle Class Housing Scheme Status
To check the status of Middle Class Housing Scheme, follow these below steps:
- Step 1: First, open the official PMAY website.
- Step 2: Once you’re there, look for the “Citizen Application” section to proceed further.
- Step 3: In that section, click on the option “Check Status” to move ahead.
- Step 4: Now, you can track your status by entering your “Assessment ID” and mobile number, which were given to you during the application.
- Step 5: Alternatively, you can enter your Name, Father’s Name, and Mobile Number, along with details like your state, district, and city.
- Step 6: If all the details are correctly registered, the application status and details will be displayed for you to check.
Helpline Number
- Address:
- Pradhan Mantri Awas Yojana (Urban)
- Ministry of Housing and Urban Affairs
- Nirman Bhawan, New Delhi-110011
- Landline number:
- 011-23063285,
- 011-23060484
- Email ID: pmaymis-mhupa[at]gov[dot]in
FAQs
What is the Middle Class Housing Scheme?
The Middle Class Housing Scheme aims to provide affordable housing to middle-class families by offering financial assistance for construction, purchase, or rent of homes in urban areas.
Who is eligible for the scheme?
Families belonging to EWS, LIG, and MIG categories, living in urban areas without a pucca house, can apply for the scheme. Income criteria apply to each category.
How can I apply for the scheme?
You can apply online through the official PMAY website by filling out the application form, uploading necessary documents, and submitting it to complete the process.
What documents are required to apply?
You will need Aadhaar details, family income proof, bank account details, and land documents (if applicable). Make sure all documents are uploaded in the specified format.
What financial assistance is provided under the scheme?
Financial assistance is provided by the government and state/UTs. The amount varies by state and type of housing, with additional grants available for innovative construction techniques.
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