PM Awas Yojana 2.0 (Urban)

Urban families with yearly income up to ₹9 lakh (EWS up to ₹3 lakh · LIG ₹3–6 lakh · MIG ₹6–9 lakh). No member of the family owns a pucca house anywhere in India. Not if you already got a house under another government housing scheme.

₹2.5 Lakh central subsidy for EWS/LIG house construction or purchase (about ₹2,50,000 one-time)

Aadhaar Card, Income Proof (EWS/LIG), No Property Certificate, Bank Statement, Marriage Certificate.

Apply online on the official website: https://www.india.gov.in/services/details/apply-for-pradhan-mantri-awas-yojana-urban-20

Open pmay-urban.gov.in and use the application status / track option. Enter your application number (or the details asked) to see where your application is. You can also ask your municipality (Urban Local Body), which verifies and approves applications.

Help for building a house is released in instalments after each construction stage is verified (geo-tagged) by the municipality. Interest subsidy on a home loan is credited to the loan account through your bank — ask the bank branch that gave the loan. Check that your Aadhaar is linked (seeded) to your bank account for DBT: on myaadhaar.uidai.gov.in → "Bank Seeding Status", or ask your bank branch. Your municipality / Urban Local Body PMAY cell, or the bank that gave your home loan.

Answer a few simple questions on YojanaSahay — it tells you free of cost which schemes you qualify for, with the documents for each.