Pradhan Mantri Awas Yojana in Uttar Pradesh (UP) List and Apply in 2026

Recent reports by a real estate aggregator indicate that the property prices in Jhusi, Allahabad, have gone up by 56.2%. In a similar vein, the cost of apartments in Harhua, Varanasi has also increased by 52.2%. Given these accelerating prices, constructing a home in UP with your savings alone may not be realistic. To help you become a homeowner without breaking the bank, the government has launched the Pradhan Mantri Awas Yojana or PMAY scheme.

With this initiative the Indian Government aims to provide affordable ‘housing to all by 2022’. To assist the Centre and develop affordable housing units all across Uttar Pradesh, the state government has launched PMAY UP. Read on to know more about PM Awas Yojana UP and the benefits you can avail through it.

Key points of PM Awas Yojana UP 2026

• The scheme operates through two key segments:
  • Rural (PMAY-G): Focuses on providing durable pucca houses to families in villages who do not have proper shelter.
  • Urban (PMAY-U): Aims to support economically weaker and lower- to middle-income families living in cities with affordable housing options.
• Financial support offered:
  • Rural areas: Eligible households can receive up to Rs.1.2 lakh in plain regions and Rs.1.3 lakh in hilly or difficult terrains.
  • Urban areas: Assistance can go up to around Rs.2.5 lakh under the Beneficiary-Led Construction (BLC) component.
• Basic eligibility conditions:
  • The applicant must not own a permanent house anywhere in India.
  • The family income should fall within the defined EWS or LIG categories.
• How to apply: Applications can be submitted either through a nearby Common Service Centre (CSC) or via official online portals dedicated to rural and urban housing schemes.

About Pradhan Mantri Awas Yojana UP

The State Urban Development Agency (SUDA) of Uttar Pradesh has launched several projects across the major cities of the state to realise the objectives of PMAY. To illustrate, over 6,000 housing units have been sanctioned in Allahabad and those looking to live in Varanasi are set to benefit from over 8,000 new housing projects under the PM Awas Yojana in UP.

Key features of PM Awas Yojana UP

In order to benefit from this initiative in Odisha, you should first qualify for it. Here are the categories you can qualify for based on your annual income.

• You can avail a subsidy on the interest of your home loan taken under the PMAY scheme.
• You can obtain a subsidy of up to 6.5% amounting to Rs. 2.67 lakh on your home loan.
• This scheme gives priority to women, senior citizens, SC/ST, backward classes, and minority applicants. It also makes women ownership mandatory for beneficiaries from the lower income groups and economically backward group, helping widows and women seek equal opportunities in owning a home.
• When allocating ground floor units, disabled and senior citizen applicants are given priority.
  

Eligibility criteria of PM Awas Yojana UP

In order to qualify for PMAY and claim CLSS or Credit Linked Subsidy Scheme benefits in UP, you must meet the following PMAY eligibility criteria.

• Your household income must fall under one of the following brackets
• Economically Weaker Section: Yearly household income of less than Rs.3 lakh
• Lower Income Group: Yearly household income between Rs.3 lakh and Rs.6 lakh
• Middle Income Group I: Yearly household income above Rs.6 lakh and under Rs.12 lakh
• Middle Income Group II: Yearly household above Rs.12 lakh and under Rs.18 lakh
• You or your family should not own a pucca house in any part of India.
• You or your family must not have availed financial assistance from any other government housing scheme
• Property must be co-owned by a female member of the family for EWS and LIG, barring cases in which the beneficiary household has no female member
  

Documents required for Pradhan Mantri Awas Yojana, Uttar Pradesh

Once you are eligible for PMAY, prepare a document docket based on the ones mentioned below and proceed to access PMAY benefits.

• A duly filled online PMAY application form
• Identity proof such as PAN card, Aadhaar card, Voter’s ID, passport, driving license
• Address proof like utility bills or ration card
• Category proof such as an SC/ST/OBC or other minority community certificate
• Income proof such as salary slips, ITR, Form 16, and last 6 month’s bank statement
• If your income is below the taxable limit, submit a self-affidavit income certificate.
• If you belong to the EWS or LIG category, you are required to submit a self-declaration form.
• If you are a businessperson or self-employed, you are required to submit a written note on the nature of your business and a self-attested financial statement, if asked.
• Property documents such as a valuation certificate of your property from a registered authority
• Approved construction plan
• Certificate mentioning construction and repair costs and expected life of the house as given by architects or engineers
• Construction agreement with the builder, if needed
• Document to prove that the location of construction meets the requirements of the law
• No Objection Certificate
• Agreement of sale or a letter of property allotment
• An affidavit stating that your household doesn’t own a house in India
  

Steps to apply for Pradhan Mantri Awas Yojana in UP

Just like the other terms of the scheme, applying for it is easy and you can apply for PMAY UP online at the official state-PMAY website. Here’s how to go about it.

• Identify your category first:
• Citizens living in slums
• Citizens who don’t own land or have no means to secure a home loan (select the Affordable Housing in Partnership (AHP) option)
• Citizens not who don’t own land or a house and want to construct or enhance a property (select Beneficiary Led Construction, BLC, option)
• Citizens who are capable of managing to purchase, construct or enhance a house with a home loan (select CLSS)
• Next, visit https://pmaymis.gov.in, the official PMAY website.
• Here, click on ‘Citizen Assessment’ and select the category you fit in.
• Upon being redirected to a new page, enter your Aadhaar details.
• Now, fill the application form and enter the captcha code to submit it.

Once you submit the form, you can track your application by clicking on the ‘Track your Assessment Status’ option under ‘Citizen Assessment’. You can get more information on PMAY at https://www.sudaup.org/, the official website of State Urban Development Agency (SUDA), Uttar Pradesh.

List of beneficiaries under Pradhan Mantri Awas Yojana, Uttar Pradesh

To check if you feature on the PM Awas Yojana in UP’s list of beneficiaries, here are the steps to follow.

• Visit PMAY’s official website: https://pmaymis.gov.in
• Click on ‘Search Beneficiary’
• Enter your Aadhaar number and click on the ‘Show’ option
• Now, view the results and find your name along with other details

After verifying your name in the list, avail CLSS (Credit Linked Subsidy Scheme) benefits of up to Rs.2.67 lakh by applying for a loan like the Bajaj Finance Housing Limited Home Loan. Here, you can access a high-value sanction of up to Rs. 15 Crore* on competitive terms and qualify for the same by meeting simple eligibility criteria and submitting minimal documents.

With such judicious funding options available and PMAY housing projects coming all across the country, you are just a step away from owning a home in UP, affordably!

City-specific PMAY insights

PM Awas Yojana 2.0: Rs.900 crore DBT transferred to 90,000 beneficiaries in UP

The government has given a strong push to affordable housing under PM Awas Yojana 2.0 by transferring Rs.900 crore directly to nearly 90,000 beneficiaries in Uttar Pradesh. This transfer has been carried out using the Direct Benefit Transfer (DBT) system, ensuring that funds reach recipients quickly and without unnecessary delays. The step is expected to speed up housing construction across the state.

The DBT method removes middlemen from the process and allows the money to be credited straight into beneficiaries’ bank accounts. This improves transparency and ensures that eligible families receive the full financial support intended for them. The scheme mainly targets people from economically weaker sections (EWS), low-income groups (LIG), and middle-income groups.

Under PMAY 2.0, beneficiaries receive financial assistance to either build new houses or upgrade their existing ones. The programme also promotes the use of modern construction techniques and environmentally friendly materials, helping create long-lasting and sustainable homes. The recent release of Rs.900 crore is likely to boost construction activity in both rural and urban parts of Uttar Pradesh.

Officials have shared that a large number of houses are already close to completion, and many families have shifted into their new homes. Apart from improving housing conditions, the scheme has also created jobs in the construction sector, benefiting local workers and small businesses.

Experts believe that the DBT system has played an important role in the success of the scheme. Since funds are transferred directly, beneficiaries can track payments easily, which adds accountability and reduces the chances of misuse.

With higher budget allocation and better implementation, the government plans to include more families under PMAY 2.0. In 2026, the scheme continues to play a major role in improving housing access and living standards across Uttar Pradesh.

Verification of eligible beneficiaries of PM Awas Yojana completed in UP, first instalment of the scheme will be credited to the account on this day

In Ambedkar Nagar district, the verification process for beneficiaries under PM Awas Yojana (Urban) 2.0 has been completed, and the first instalment is scheduled to be credited on 25 March. Around 700 eligible beneficiaries are expected to receive funds directly into their bank accounts under this phase.

Earlier, during the first phase of the scheme, many families in municipal areas such as Akbarpur, Jalalpur, and Tanda, along with several Nagar Panchayat regions, benefited by receiving permanent homes. The second phase application process had been ongoing for nearly two years, with a large number of applicants waiting for updates on their status.

By November 2025, detailed project reports (DPRs) had been prepared for nearly 5,000 applicants. However, after verification, a similar number of applications were rejected due to ineligibility. Since then, applicants had been regularly visiting municipal offices and the District Urban Development Agency (DUDA) for updates.

Now, authorities have confirmed that funds for 700 approved beneficiaries will be released. Earlier, 250 beneficiaries had already received their first instalment and were also provided certificates under the scheme.

Officials have stated that bank-level verification is currently underway to ensure accurate fund transfers. Meanwhile, verification of around 10,000 additional applications is still in progress, with a significant portion found ineligible during checks conducted by local authorities.

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