Union Budget 2026: Has government made any changes to Pradhan Mantri Awas Yojana (PMAY)? Check here

Finance Minister Nirmala Sitharaman did not make any new announcements under the Pradhan Mantri Awas Yojana (PMAY) in Budget 2026. The Pradhan Mantri Awas Yojana is one of the government's major social welfare schemes. It was established in 2015 to supply pucca dwellings to all qualified individuals in both urban and rural areas of the country.

The Union Budget 2024–25 allocated Rs 54,500 crore for Pradhan Mantri Awas Yojana (Urban) or PMAY-U. This amount is 36.5% of the total amount allocated to the Ministry of Housing and Urban Affairs (MoHUA) for the year, according to a PTI report.

What is PMAY-U 2.0?

Pradhan Mantri Awas Yojana-Urban 2.0 (PMAY-U 2.0) aims to provide Central Assistance to eligible families/beneficiaries through States/UTs/PLIs to construct, purchase or rent affordable houses in urban areas.


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How can states/UTs participate in PMAY-U 2.0?

As per the guidelines of Pradhan Mantri Awas Yojana, States/UTs may participate in PMAY (U) 2.0 after signing a MoA with the Ministry of Housing and Urban Affairs (MoHUA)

What is the eligibility criteria for seeking benefit under the scheme?

Families belonging to the Economically Weaker Section (EWS) Scheme. Lower Income Group (LIG) Scheme. Middle Income Group I (MIG-I) Scheme segments, living in urban areas, having no pucca house either in their name or in the name of any member of the family anywhere in the country are eligible to purchase/construct or rent a house under PMAY-U 2.0.

Whether the curtailed beneficiary under PAMY-U, can avail the benefit under PMAY (U) 2.0?

No, the houses sanctioned under PMAY-U which got curtailed by CSMC after 31.12.2023 due to any reason on the recommendation of States/UTs, houses will not be sanctioned in PMAY-U 2.0 to those beneficiaries.

What happens if I have availed benefits from housing schemes in the past?

Applicants who have availed benefits from any housing scheme of Central Govt., State Govt., or Local Self Govt. in the last 20 years will not be eligible for PMAY-U 2.0..

What does PMAY-U 2.0 cover?

PMAY-U 2.0 covers all statutory towns as per Census 2011 and towns notified subsequently. It also includes Notified Planning Areas and areas within the jurisdiction of Industrial Development Authorities, Special Area Development Authorities, Urban Development Authorities, or any such Authority under State legislation entrusted with urban planning and regulation functions.