A new housing scheme has been started by the government which is called Pradhan Mantri Awas Yojana-Urban or PMAY-U 2.0. This was approved by Hon’ble Prime Minister Shri Narendra Modi. Under this scheme, financial help will be given to 1 crore urban poor and middle-class families. The houses can be constructed, purchased, or even taken on rent. The help will be given through States, UTs, and banks. An amount of Rs. 2.30 lakh crore will be provided in five years. This scheme is for people living in cities. Already, more than 1.18 crore houses were sanctioned before. Around 85.5 lakh houses got already built and given. Many families are being benefited.
About Middle Class Housing Scheme
On 15th August 2023, our Hon’ble Prime Minister had spoken from Red Fort and told that a new scheme will be brought for poor and middle-class people so they can buy or build their own house and live better. Then on 10th June 2024, the Union Cabinet had made a decision that 3 crore more families in villages and cities will be given help for building houses because many new families have become eligible now and they also need homes. This is being done under the Prime Minister’s vision to make sure no one stays without a house. PMAY-U 2.0 was launched for this work and Rs. 10 lakh crore is planned to be used so one crore families can get homes and live nicely.
Also Read: PMAY 2.0 Apply Online
Objective of Middle Class Housing Scheme
The main objective of the Middle Class Housing Scheme is to provide support to poor and middle-class families who are living in rented houses or broken homes and are not able to build their own because of money problem. Under this scheme, help will be given by the government so that they can build or buy a proper house and live safely with their family. A better life will be given to them and more comfort will be felt by them in daily living.
Important Factors of Middle Class Housing Scheme
| 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 | PMAY Urban Website |
Eligibility Criteria
The eligibility criteria for the Middle Class Housing Scheme are as follows:
- The family must live in a city and should be from EWS, LIG or MIG group, and must not have any pucca house anywhere in the country.
- If a house was already given to the person under any government housing scheme in the last 20 years, then they can’t get benefit again under this scheme.
- EWS means yearly income up to Rs. 3 lakh, LIG means Rs. 3 lakh to Rs. 6 lakh, and MIG means Rs. 6 lakh to Rs. 9 lakh.
- States can change EWS income limit, but only after taking permission.
- More preference will be given to widows, single women, disabled persons, old people, SC/ST, transgenders, and poor people.
- Safai karmis, street vendors under PMSVANidhi, Anganwadi workers, labourers, slum and chawl people will also be given special focus.
- If parents of someone already got a pucca house earlier, then that person will be considered only after others who didn’t get any benefit.
- Houses that got cancelled after 31st December 2023 by the committee cannot be given again under this scheme.
- A person can get benefit from PMAY-G or PMAY-U 2.0, but not from both.
- Aadhaar or Aadhaar Virtual ID must be given by all family members. If not made yet, then it should be done fast.
- A committee led by District Magistrate or Commissioner will select the families. Two more public members can be added by the government.
Also Read: Pradhan Mantri Awas Yojana Gramin
Required Documents
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)
Financial Benefits
| States/UTs | PMAY-U 2.0 Verticals | ||
| ARH | ISS | ||
| Assam, Arunachal Pradesh, Meghalaya, Manipur, Mizoram, Nagaland, Tripura, Sikkim, Himachal Pradesh, Uttarakhand, UTs of Jammu and Kashmir, Puducherry, and Delhi | Central Govt.: Rs. 2.25 lakh/UnitState Govt.: Minimum Rs. 0.25 lakh/Unit | Technology Innovation Grant Central Govt.: Rs. 3,000/sqm per unitState Govt.: Rs. 2,000/sqm per unit | Home Loan subsidy of up to Rs. 1.80 lakh (actual release) will be provided per unit by the Government of India under the Central Sector Scheme. |
| All other UTs | Central Govt.: Rs. 2.50 lakh/Unit | ||
| All other States | Central Govt.: Rs. 1.5 lakh/UnitState Govt.: Minimum Rs. 1.00 lakh/Unit | ||
Notes:
- Giving share by States/UTs is made must under PMAY-U 2.0, and if any State was giving more share earlier in old PMAY-U, then same more share should be kept giving now also, and also people who take houses must pay minimum 25% of total house or project cost, which is made compulsory.
- Extra grant called Technology Innovation Grant will be given by MoHUA, but only when special new building materials, technologies or process is used, and Rs. 1,000 for each sqm (for max 30 sqm) will be given on total built-up area including inside infrastructure to help if cost becomes more in AHP projects.
Salient Features
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.
Also Read: PM Awas Yojana Gramin Registration
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.
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.