Feature PMAY Urban (PMAY-U / PMAY-U 2.0) PMAY Rural (PMAY-Gramin)
Target area Cities and towns Rural villages
Primary beneficiaries EWS, LIG, MIG in urban areas Rural households below poverty line
Income criteria EWS: up to ₹3 lakh; LIG: ₹3-6 lakh; MIG: ₹6-9 lakh Identified through SECC 2011 data
How benefit is given Interest subsidy on home loans / house construction Direct financial assistance for house construction
Implementing agency Ministry of Housing and Urban Affairs Ministry of Rural Development
Central grant ₹1.5-2.5 lakh (varies by vertical) ₹1.2 lakh (plain areas), ₹1.3 lakh (hilly)
Nodal portal pmaymis.gov.in pmayg.nic.in