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Pradhan Mantri Awas Yojana – Urban 2.0 (Interest Subsidy Scheme)
Sno | Particulars | Details |
|---|---|---|
| 1 | Objective | Provide affordable housing to urban under Economically weaker section (EWS), Low Income group (LIG), and Mid Income Group (MIG) categories) |
| 2 | Annual Household Income | EWS :- Up to ₹3 lakh LIG :- Up to ₹6 lakh MIG :- Up to ₹9 lakh For identification as an EWS/LIG/MIG beneficiary under the Scheme, an individual loan applicant will submit self-certificate/affidavit as proof of income. |
| 3 | Loan property limits | Maximum Loan : Rs 25.00 Lakh Maximum Housing Value : Rs 35.00 Lakh Maximum Carpet Area : 120 Sqm |
| 4 | House Ownership |
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| 5 | Key conditions |
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| 6 | Subsidy Details |
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| 7 | Approved layout plans | The subsidy will be provided to those beneficiaries who have submitted the approved layout plan to the Banks as per guidelines of States/UTs. However, the layout plan may not be insisted by Banks where States/UTs have provided the exemption for construction of houses having provision of deemed approval or pre-approved building plan. |
Eligibility Criteria | Economically Weaker Sections (EWS) | Low-Income Group (LIG) | Middle-Income Group (MIG) |
|---|---|---|---|
Annual Household Income (₹) | Up to ₹3 lakh | ₹3 lakh - ₹6 lakh | ₹6 lakh - ₹9 lakh |
Interest Subsidy (% P.A.) | 4% on the first ₹8 lakh of the loan | 4% on the first ₹8 lakh of the loan | 4% on the first ₹8 lakh of the loan |
Maximum Home Loan Eligible (₹) | ₹25 lakh | ₹25 lakh | ₹25 lakh |
Maximum House Value (₹) | ₹35 lakh | ₹35 lakh | ₹35 lakh |
Maximum Carpet Area(sqm) | 120 sqm | 120 sqm | 120 sqm |
Maximum Benefit of Interest Subsidy (₹) | ₹1.80 lakh | ₹1.80 lakh | ₹1.80 lakh |
Current Home Ownership | NO | NO | NO |
Property Location | Statutory towns as per Census 2011 or any town subsequently notified by the government | ||
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