On 16 October 2026 the Central Sanctioning and Monitoring Committee for PMAY-Urban 2.0 approved another 1.93 lakh houses for economically weaker sections across 11 states. Beyond the headline, the useful question for families is which part of the scheme applies to them.
What was approved
The 10th CSMC meeting sanctioned about 1.93 lakh EWS houses under the Beneficiary-Led Construction (BLC) and Affordable Housing in Partnership (AHP) verticals. Cumulative approvals under PMAY-U 2.0 have crossed 20 lakh houses, and PMAY-U and PMAY-U 2.0 together show roughly 1.27 crore sanctioned and 1.01 crore completed.
The four verticals in plain words
| Vertical | What it is | Who it suits |
|---|---|---|
| BLC | Assistance to build or enlarge a house on your own land | Families with their own plot in an urban area |
| AHP | Affordable homes built in partnership with public or private agencies | Families who want to buy a ready or planned flat |
| ISS (Interest Subsidy Scheme) | Interest subsidy on a home loan, with central assistance of up to ₹2.50 lakh | Eligible families buying or building with a loan |
| ARH | Affordable rental housing | Urban migrants and workers |
PMAY-U 2.0 was launched on 1 September 2024. PMAY-U 1.0 was extended only to 30 September 2026 to complete houses already sanctioned.
How to check your eligibility
- Confirm that your family does not own a pucca house anywhere in India.
- Check the income category for your family (EWS, LIG or MIG) on the official portal.
- Choose the vertical that matches your situation.
- Keep Aadhaar, income proof and property or plot documents ready.
- If you need a loan, ask your lender whether it participates in the subsidy and how it is credited.
Tip: subsidy rules, caps and eligibility are set by the scheme guidelines and can be updated. Use the official portal as the final reference.
Sources
- Ministry of Housing and Urban Affairs, 10th CSMC outcome, 16 October 2026 (press release/DD News)
- PMAY-U 2.0 scheme guidelines (launched 1 September 2024)
This article is for general information only and is not financial, legal or tax advice. Figures are as reported on the date of publication and may change; EMI examples are illustrative, not offers. Please confirm current rates, charges and eligibility with the lender before deciding.