--- title: 'PMAY Urban 2.0 Explained: Full Guide to the Housing Scheme' source: 'https://youtube.com/watch?v=pzlmwecH_RI' video_id: 'pzlmwecH_RI' date: 2026-07-31 duration_sec: 459 --- # PMAY Urban 2.0 Explained: Full Guide to the Housing Scheme > Source: [PMAY Urban 2.0 Explained: Full Guide to the Housing Scheme](https://youtube.com/watch?v=pzlmwecH_RI) ## Summary The video explains PMAY Urban 2.0, a Government of India scheme to build one crore affordable houses in urban areas between 2024 and 2029. It covers the scheme's four components, eligibility criteria, financial assistance, and the application process. ### Key Points - **Scheme Objective** [01:00] — PMAY Urban 2.0 aims to construct about one crore houses in urban areas between 2024 and 2029, with a Rs. 50 lakh crore investment. - **Four Main Components** [01:18] — The scheme has four components: BLC (Beneficiary Led Construction), AHP (Affordable Housing Partnership), ARHC (Affordable Rental Housing Complexes), and ISS (Interest Subsidy Scheme). - **BLC Component** [01:31] — BLC helps beneficiaries who own land and want to construct a new house on it with direct assistance. - **AHP Component** [01:47] — AHP involves low-cost flat complexes built jointly by the government and private sector companies for eligible people. - **ARHC Component** [02:12] — ARHC provides rental housing at nominal rents, specifically aimed at migrant workers and students. - **ISS Component** [03:16] — ISS offers an interest subsidy on home loans to reduce the repayment burden for beneficiaries. - **Eligibility Criteria** [03:41] — Applicants from EWS, LIG, and MIG income groups are eligible. Existing house owners cannot apply, and applicants must possess Aadhaar, ration card, and income certificate. - **Financial Assistance** [04:25] — The government provides a subsidy up to Rs. 2.5 lakh on home loans, which does not need to be repaid. It also covers construction costs or full purchase of ready-made flats. - **How to Apply** [05:07] — Apply online through the official PMAY website or visit the nearest urban development center for guidance. ### Conclusion PMAY Urban 2.0 is a comprehensive government scheme designed to make affordable housing accessible to lower-income urban residents. It offers multiple components to suit different needs and provides a substantial non-repayable subsidy, making it a valuable opportunity for eligible citizens. ## Transcript this society consisting of you and me, most of the people are educated. If we want to get a job with a good salary, we have to move to urban areas. live in rural areas. When we go to urban areas, we rent a house and live there. If we buy our own house. It is very expensive. However, the However, the I don't know how many people know. But through this video, I am watching this video, you can easily apply it and . The video goes into detail about what is involved in the project related to this house the project related to this house subscribe to the channel. If you click the bell button next to it, you will receive notifications on your mobile whenever I update my videos . The name of this scheme is PMAY Urban 2.0. The goal is to build about is PMAY Urban 2.0. The goal is to build about one crore houses in urban areas between 2024 and 2029. one crore houses in urban areas between 2024 and 2029. huge investment of Rs. 50 lakh crore has been prepared for this scheme . Let's move on to the main elements of the project. One BLC component, two AHP components, three ARHC components, and four ISS components. This BLC component, as we have said, provides This BLC component, as we have said, provides you have your own land and you want to build a new house there. It helps you directly. Then it is known as the BLC component . The second is the AHP component. That means component. That means low-cost flat complexes built by the government and the private sector low-cost flat complexes built by the government and the private sector itself and some private companies will come together and give some flats to the people to live in. That's the component. It won't be available in all places. It will be in some can apply if you have space. For those who do private sector companies or individuals will join forces and do as a team. The next one is called ARHC component . houses. So, it only has a small amount of rent. Such houses will have a small amount of rent. . That's why I have specifically mentioned that it is a comfortable event for workers, migrant workers and students. It is called AR HC component. Next to it is called ISS component. It is a kind of You can do this. Now if you don't have land, you can do it in AHP component. Now if you only need temporary housing or rent a house, you only need temporary housing or rent a house, you reduce the repayment of the loan, that is, to reduce the interest. You can use it any time. These are the four important components of the scheme. Now let's look at the eligibility and criteria. Now let's look at the eligibility and criteria. Now we are going to look at the income limit eligibility and criteria. You can apply for EWS, LIG, MIG, etc., that is, if get housing facilities under this facility. Existing people do not get this. And number three, you must have Aadhaar card, ration card, and a clear income certificate. One, it is available to those who are economically backward. Those who have their not get it. The third is that you must have Aadhaar card, ration card, and an income certificate. It things are in place, what are you eligible for? What financial assistance will you get? Next, you will get the housing cost. You will get the construction. Similarly, you will get the full amount by buying ready-made flats. Next, the government subsidy is a such assistance that does not have to be repaid. Maximum assistance is called 2.5. You will get the LAX subsidy, that is, you will get all the subsidy things that were available at the time of taking this loan. Now, if you are giving a house, then we will get it as a house. Now, if it is a house we have taken, we will get a So, how to apply? There is a very simple online portal. You can apply through the official website of PMAY. If you center and contact them. At the same time, said that PMAY is for urban areas. For those living in anyway. So if you live in urban areas, just leave a comment. Comment "Village". Even though I'm sure that if I comment "village", Comment "Village". Even though I'm sure that if I comment "village", have done now is for people in urban areas. Okay. One step from a rented house to your own home can make your dream home a reality. According to this one plan . The government It is something that we all get, regardless of caste or party This was not planned with big money in mind . Many such schemes are being prepared for the upliftment of all ordinary people, that is, people with low incomes, and for their upliftment in society. It is our our responsibility to go and apply . This is what the people are doing today, and the . When we say the central government, . Now, whenever we go anywhere outside this country, We don't see it in the name of a party, we see that passport. That's Whatever plan is introduced in our country, it is our right. It is . That's why we're going. Apply and take it. No matter what political party you belong to, go your own way. Everyone else, many people, will sometimes try to stop you from doing this here, it can't happen like that, it can't happen like this . But right of every citizen of India. Once you formalities . Then there will be many friends, relatives, and colleagues who don't know this . You will have many union and association WhatsApp groups. . If you liked the video, please leave your valuable comments and suggestions in the comment . We'll see you tomorrow for another great video. Is Mini Shawnee signing We'll see you tomorrow for another great video. Is Mini Shawnee signing off. bye Bye. [Music]