PM Awas Yojana 2.0 (2024–2029) – Gramin & Urban: Free Ghar Kaise Milega? Poori Sahi Jaankari
✅ Verified Key Facts (PMAY 2.0):
- PMAY-Urban 2.0 launched: September 1, 2024 (5 saal: 2024–2029)
- Urban target: 1 crore houses | Gramin target: 2 crore houses
- Urban interest subsidy (ISS): Up to ₹1.80 lakh (4% on ₹8L loan, 12 years)
- Urban EWS direct grant (BLC): Up to ₹2.50 lakh
- Gramin assistance: ₹1.20 lakh (plain) | ₹1.30 lakh (hilly/NE)
- Helpline Urban: 1800-11-6163 | Gramin: 1800-11-6446
PMAY 2.0 Kya Hai?
Pradhan Mantri Awas Yojana (PMAY) "Housing for All" mission hai. PMAY 1.0 June 2015 se 2022 tak chali. Ab PMAY-Urban 2.0 September 2024 se shuru ho gayi hai — 5 saal (2029 tak) aur 1 crore urban poor & middle-class families ke liye ghar banane ka target.
Urban 2.0 – Categories & Subsidy
| Category | Annual Income | Benefit |
|---|---|---|
| EWS (BLC vertical) | Up to ₹3 lakh | Up to ₹2.50 lakh direct grant |
| EWS / LIG (ISS loan) | Up to ₹6 lakh | ₹1.80 lakh interest subsidy |
| MIG (ISS loan) | ₹6–9 lakh | ₹1.80 lakh interest subsidy |
Urban 2.0 Apply Kaise Karein?
- Visit: pmaymis.gov.in
- "Apply for PMAY-U 2.0" select karein
- Aadhaar number enter → OTP verify
- Personal details, income proof, bank details bharein
- Submit → Application ID note karein
- Home loan ke liye bank/NBFC se contact karein (ISS ke liye)
Gramin Apply Kaise Karein?
- Gram Panchayat ya Block Development Office mein register karein
- Official portal: pmayg.dord.gov.in
- Awaassoft → Report → Beneficiary Details mein naam check karein
- MNREGA Job Card aur Swachh Bharat Mission registration helpful hai
⚠️ Zaroori Condition: Poore India mein aapke paas pehle se koi pakka ghar nahi hona chahiye. Sirf pehli baar ghar lene waale eligible hain.
Documents Required
- Aadhaar Card (mandatory)
- Income Certificate
- Bank Account Details
- BPL Certificate (if applicable)
- Swachh Bharat Mission Registration Number
- MNREGA Job Card (Gramin ke liye)
Helpline & Official Links
| Resource | Details |
|---|---|
| Urban Portal | pmaymis.gov.in |
| Gramin Portal | pmayg.dord.gov.in |
| Urban Helpline | 1800-11-6163 (Toll Free) |
| Gramin Helpline | 1800-11-6446 (Toll Free) |
Disclaimer: PMAY 2.0 ke updated guidelines ke liye official portals visit karein.