Eligibility

PMAY eligibility: Urban 2.0 income categories and Gramin selection

पीएमएवाई पात्रता: शहरी आय सीमा और ग्रामीण चयन

Last reviewed: 11 November 2026

Annual household income (₹)

State or Union Territory Optional — for BLC/AHP sharing Andaman and Nicobar IslandsAndhra PradeshArunachal PradeshAssamBiharChandigarhChhattisgarhDadra and Nagar Haveli and Daman and DiuDelhiGoaGujaratHaryanaHimachal PradeshJammu and KashmirJharkhandKarnatakaKeralaLadakhLakshadweepMadhya PradeshMaharashtraManipurMeghalayaMizoramNagalandOdishaPuducherryPunjabRajasthanSikkimTamil NaduTelanganaTripuraUttar PradeshUttarakhandWest Bengal

Does any family member own a pucca house anywhere in India? No Yes Has the family been allotted a government housing-scheme house in the last 20 years? No Yes See the official category

Enter an income and press the button. You will get a definite category and the verticals official rules open to it.

Last reviewed 11 November 2026, against the PMAY-U 2.0 Scheme Guidelines (September 2024). A State may redefine the EWS ceiling with the Ministry’s concurrence. This helper does not approve an application.

National income ceilings

PMAY Urban 2.0 annual household income, national definition

Category	Annual household income
EWS	Up to ₹3 lakh
LIG	From ₹3 lakh up to ₹6 lakh
MIG	From ₹6 lakh up to ₹9 lakh

Eligibility for Pradhan Mantri Awas Yojana depends on which scheme applies to you. PMAY Urban 2.0 uses national income categories — Economically Weaker Section (EWS), Low Income Group (LIG) and Middle Income Group (MIG) — together with a rule that no one in the family already owns a pucca house, and a bar on families who have already received a government housing-scheme house in the last 20 years. PMAY Gramin uses housing-deprivation lists from SECC 2011 and Awaas+, verified by the Gram Sabha. The two tests are not the same.

The helper on this page classifies an annual household income under the official Urban 2.0 ceilings and lists the verticals that official rules open to that category. It gives a definite answer for the inputs you enter. It does not approve an application, and it does not collect Aadhaar, a phone number or bank details.

Urban 2.0 category helper

Enter the family’s annual household income in rupees, and answer two questions: does any member of the family own a pucca house anywhere in India, and has the family been allotted a house under a Central, State, Union Territory or local self-government housing scheme in the last 20 years? If you also choose a State or Union Territory, the helper shows how the ₹2.50 lakh government assistance for Beneficiary Led Construction and Affordable Housing in Partnership is shared in that place.

Possible results:

• EWS, LIG or MIG, with the verticals officially open to that category and the official assistance or subsidy limits.
• Above the notified MIG ceiling, if the income is more than ₹9 lakh a year under the national definition.
• Not eligible, if you answer that the family already owns a pucca house, or that it has already received a housing-scheme house in the last 20 years.

The helper uses the national ceilings in the September 2024 guidelines. A State may redefine the EWS ceiling with the Ministry’s concurrence — if your State has done so, the official portal and the urban local body are the places that will apply that local ceiling. The helper also cannot see whether your town is covered, whether you have land for Beneficiary Led Construction, or whether a lender will sanction a loan.

Worked examples:

• Annual income ₹2,80,000, no pucca house, no housing-scheme benefit in the last 20 years: EWS. Officially open verticals include Beneficiary Led Construction, Affordable Housing in Partnership, Affordable Rental Housing and the Interest Subsidy Scheme, each with its own extra conditions (land, project allotment, or loan limits).
• Annual income ₹4,50,000, same answers: LIG. Under the national rules, Affordable Rental Housing and the Interest Subsidy Scheme are the verticals listed for this band; Beneficiary Led Construction and Affordable Housing in Partnership are described as EWS verticals.
• Annual income ₹7,20,000, same answers: MIG. Under the national rules, the Interest Subsidy Scheme is the vertical listed for this band.
• Annual income ₹2,80,000, but the family already owns a pucca house: not eligible, regardless of the income band.
• Annual income ₹11,00,000: above the notified MIG ceiling under the national definition, so not in EWS, LIG or MIG.

National income ceilings for EWS, LIG and MIG

These ceilings are those published in the PMAY-U 2.0 Scheme Guidelines, the official frequently asked questions, and the Cabinet note of 9 August 2024. For the Interest Subsidy Scheme, an individual loan applicant submits a self-certificate or affidavit as proof of income.

The pucca-house rule

The family should not own a pucca house — an all-weather dwelling unit — in the applicant’s name or in the name of any family member, anywhere in India. The official frequently asked questions describe a pucca house as one whose roof and walls are made of durable materials such as burnt bricks, stones packed with cement or lime, cement concrete, timber, galvanised iron sheets or machine-made tiles, even if the floor is kutcha.

This is a national test, not a test of whether you own a house only in your present city.

The 20-year housing-scheme bar, and curtailed earlier sanctions

A beneficiary who has been allotted a house under any housing scheme of the Central Government, a State or Union Territory government, or a local self-government in the last 20 years, in an urban or a rural area, is not eligible for PMAY Urban 2.0. An undertaking may be required when the urban local body validates demand.

Separately, houses sanctioned under the earlier PMAY-Urban mission that were curtailed by the Central Sanctioning and Monitoring Committee after 31 December 2023, on a State or Union Territory recommendation, will not be sanctioned again under PMAY Urban 2.0.

If a pucca house was provided to an applicant’s parents under a previous housing scheme, the guidelines say that applicant is considered only after other eligible families whose parents have not received such a benefit.

Which vertical each income category can use

A family may receive a benefit under only one vertical. Government assistance for the first two verticals is ₹2.50 lakh per unit, shared between the Centre and the State or Union Territory as set out on the Urban 2.0 page. The Interest Subsidy Scheme has a maximum actual subsidy of ₹1.80 lakh; details are on the interest subsidy page.

PMAY Gramin eligibility and selection

Rural eligibility is not a copy of the urban income table. Eligible households are those who are houseless, or who live in a zero-, one- or two-room house with kutcha walls and a kutcha roof, drawn from SECC 2011 and the Awaas+ lists and verified by the Gram Sabha. Official material also describes exclusion criteria and, in a November 2024 official feature, a monthly-income threshold used in those exclusions. That is a survey and verification process, not an income-category test. See PMAY Gramin and how to check the list.

Urban or rural jurisdiction

A family uses PMAY Gramin or PMAY Urban 2.0 according to its jurisdiction. The official guidelines say the two ministries’ systems are intended to avoid duplication. If your site is on the edge of a town, ask the urban local body or the Gram Panchayat which official list or portal applies. Do not file the same family’s claim in both places.

Whose name the house should be in

Under PMAY Urban 2.0, a house built or bought with Central assistance should be in the name of the female head of the household, or jointly in the name of the male head and his wife. If there is no adult female member, it may be in a male member’s name. For a widower, an unmarried or separated person, or a transgender applicant, the house is in the individual’s name. A November 2024 official feature on PMAY Gramin reported that 74 per cent of sanctioned rural houses were owned by women solely or jointly as of that release, and that the rural scheme aspires to women’s ownership; confirm the current title practice with the official rural guidelines and your State.

Related pages: how to apply, documents, PMAY Urban 2.0, PMAY Gramin.