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In summary
Owning a home in Delhi has become significantly harder as property prices in established neighbourhoods continue to climb. PMAY-U 2.0 offers first-time homebuyers from EWS and LIG categories a meaningful financial cushion to bridge this affordability gap.
This page covers:
- Angikaar 2025 campaign: PMAY-U 2.0 awareness drive launched in Delhi
- Key details of PMAY 2026 in Delhi
- Key components of the scheme: CLSS, ARHC, BLC
- PMAY Delhi eligibility criteria
- How to check the PMAY Delhi beneficiary list
- Housing projects available under PMAY in Delhi
- How home loan financing complements PMAY Delhi benefits
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Key Details of PM Awas Yojana Delhi 2026
| Particulars | Details |
| -------------------- | ------------------------------------ |
| Scheme Name | Pradhan Mantri Awas Yojana Urban 2.0 |
| Popular Name | PM Awas Yojana Delhi |
| Duration | 2024-2029 |
| Target Beneficiaries | EWS, LIG, MIG Families |
| Financial Assistance | Up to ₹2.50 Lakh |
| Application Mode | Online & Offline |
| Official Objective | Housing for All |
| Subsidy Benefit | Available on eligible home loans |
| Women Ownership | Mandatory in most cases |
Key components of the scheme
Credit Linked Subsidy Scheme (CLSS): Eligible home loan borrowers can receive an interest subsidy of up to Rs. 2.67 lakh, making home ownership more affordable for lower-income urban families.
- Affordable Rental Housing Complexes (ARHCs): This component provides reasonably priced rental homes close to workplaces, especially for urban migrants, workers, and economically weaker sections.
- Beneficiary-Led Construction (BLC): Financial assistance is offered to individuals who wish to build a house on their own land or enhance an existing dwelling as per scheme guidelines.
- Housing size norms: For Economically Weaker Sections (EWS), the permitted house size can be up to 30 square metres, ensuring basic yet adequate living space.
- Women empowerment: To promote financial security and social inclusion, houses are registered in the name of a female family member or jointly with a male member wherever possible.
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Angikaar 2025 — PMAY-U 2.0 awareness campaign in Delhi
The Angikaar 2025 campaign was formally launched in New Delhi on September 4, 2025 under PMAY-Urban 2.0, introduced by the Minister for Housing and Urban Affairs, Shri Manohar Lal. The campaign focuses on grassroots outreach to improve awareness of PMAY-U 2.0 and assist eligible urban families with pending documentation.
| Aspect | Details |
|---|---|
| Campaign duration | September 4, 2025 to October 31, 2025 |
| Coverage | Over 5,000 urban local bodies |
| Key activities | Door-to-door outreach, awareness camps, loan melas, community events |
| Key events | PMAY-U Awas Diwas: September 17, 2025 |
| Special event | PM Awas Mela - Shehri: organised in two phases at district and municipal levels |
| Related initiatives | Credit Risk Guarantee Fund Trust for Low Income Housing; coodination with PM Surya Ghar: Muft Bijli Yojana |
PMAY-U has sanctioned over 120 lakh houses nationally, with more than 94 lakh homes completed. Under PMAY-U 2.0 (launched September 2024), the government aims to support one crore additional urban families with financial assistance of up to Rs. 2.50 lakh.
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What is PMAY Delhi?
PMAY (Pradhan Mantri Awas Yojana) in Delhi is the capital's implementation of the central government's 'Housing for All' mission. The scheme, now in its PMAY-Urban 2.0 phase running 2024-2029, provides housing assistance to economically weaker section (EWS) and lower income group (LIG) households in the city.
Property prices in established Delhi neighbourhoods have risen sharply: areas like Greater Kailash II and Dwarka have seen price hikes of 53% and 46% respectively. PMAY makes homeownership more achievable by reducing upfront and ongoing costs through subsidies and assisted construction programmes.
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Key details of PMAY 2026 in Delhi
| Aspect | Details |
|---|---|
| Scheme name | Pradhan Mantri Awas Yojana - Urban 2.0 (PMAY-U 2.0) |
| Term | 2014-2029; remains active and relevant in 2026 |
| Target groups | Slum residents, EWS (income below Rs. 3 lakh), LIG (income between Rs. 3-6 lakh) |
| Financial support | Up to Rs. 2.50 lakh, typically granted in the female head of household's name |
| Key components | In-Situ Slum Redevelopment (ISSR), Credit-Linked Subsidy Scheme (CLSS), Affordable Housing in Partnership (AHP) |
| Application process | Online through the official PMAY portal |
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Key details of PMAY 2026 in Delhi
| Component | What it offers |
|---|---|
| Credit-Linked Subsidy Scheme (CLSS) | Interest subsidy of up to Rs. 2.67 lakh for eligible home loan borrowers |
| Affordable Rental Housing Complexes (ARHCs) | Reasonably priced rental homes near wokplaces for urban migrants and workers |
| Beneficiary-Led Construction (BLC) | Financial assistance for individuals building on their own land or enhancing an existing dwelling |
| Housing size norms (EWS) | Permitted house size up to 30 square metres |
| Women empowerment | Houses registered in the name of a female family member or jointly with a male member |
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PMAY Delhi eligibility criteria
| Income category | Annual household income |
|---|---|
| Economically Weaker Section (EWS) | Below Rs. 3 lakh |
| Lower Income Group (LIG) | Rs. 3 lakh to Rs. 6 lakh |
| Middle Income Group I (MIG I) | Above Rs. 6 lakh, under Rs. 12 lakh |
| Middle Income Group II (MIG II) | Above Rs. 12 lakh, under Rs. 18 lakh |
Additional conditions
- Applicant or family must not own a pucca house anywhere in India
- Must not have previously availed financial assistance from any other government housing scheme
- Property must be co-owned by a female member of the family, except where the household has no female member
- Benefits can only be claimed for constructing/purchasing a new home or upgrading an existing home with basic facilities
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How to check the PMAY Delhi beneficiary list
- Visit the official PMAY-U website.
- Click on 'Search Beneficiary'.
- Enter your Aadhaar number and click 'Show'.
- A list of matching details will be generated. If your application details are present, you can proceed with the next steps for your PMAY Delhi application.
Housing projects under PMAY in Delhi
Over 15 housing projects have been initiated in Delhi under PMAY, featuring necessary amenities such as water supply, power, recreation grounds, and security. Flats in these projects start at approximately Rs. 12.80 lakh, making homeownership achievable with the help of a home loan.
How does home loan financing complement PMAY Delhi benefits?
PMAY's CLSS interest subsidy works specifically through a home loan from a PMAY-empanelled lender: the subsidy reduces your effective loan principal, lowering EMIs. To access this:
- Confirm your eligibility under EWS or LIG income brackets
- Apply for a home loan from an empanelled lender such as Bajaj Housing Finance
- Declare your PMAY eligibility on the loan application
- The lender processes both the loan and the CLSS subsidy application together
Bajaj Finance offers home loans from 7.25% p.a.** with amounts up to Rs. 15 Crore* and tenures up to 32 years. Check your eligibility today.
With Delhi property prices rising sharply in established neighbourhoods, PMAY-U 2.0 offers meaningful relief for first-time EWS and LIG homebuyers. Combined with the right home loan, owning a home in the capital becomes significantly more achievable. Bajaj Finance offers home loans from 7.25% p.a.** with amounts up to Rs. 15 Crore* and tenures up to 32 years. Check your eligibility today.
Frequently Asked Questions
About PMAY Delhi
Financing
Is the PMAY interest subsidy still active for Delhi homebuyers in 2026?
Under PMAY-U 2.0, the CLSS component continues to be available for EWS and LIG categories. MIG I and MIG II CLSS benefits have separate validity windows; check the current status on the official PMAY portal or with your lender before applying, as MIG-category subsidy windows have historically had earlier cutoff dates than EWS/ LIG.
What is the Angikaar 2025 campaign and how does it help applicants?
Angikaar 2025 is a grassroots outreach campaign launched on September 4, 2025 to improve awareness of PMAY-U 2.0 and assist eligible families with pending documentation. If you have an incomplete or stalled PMAY application, the campaign's outreach events (running through October 31, 2025 across 5,000+ Urban Local Bodies) are designed specifically to help resolve such issues; check if events are still active in your area.
Can MIG category applicants still get a PMAY-linked home loan in Delhi?
MIG I and MIG II applicants can still apply for and receive a home loan, but the CLSS interest subsidy benefit for these categories has historically had separate, often earlier, expiry dates compared to EWS/ LIG. Check the current PMAY-U 2.0 guidelines for MIG category subsidy availability. Regardless of subsidy eligibility, Bajaj Finance offers competitive home loan rates from 7.25% p.a.** for all eligible applicants. Check your eligibility today.
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