Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Loan typeHome loan for purchase, re-purchase or construction of a house under PMAY-U 2.0 Interest Subsidy Scheme.View source
PNB describes 2.0's Interest Subsidy Scheme for eligible urban families purchasing or constructing houses.
- Source
- Pradhan Mantri Awas Yojana — Urban 2.0
- Page / section
- Scope
- Accessed
- 30 Aug 2026
- Confidence
- high
RateApplicable PNB home-loan rate; the PMAY-U 2.0 page does not publish a separate ROI. Eligible beneficiaries receive a 4% interest subsidy on the first ₹8 lakh, subject to scheme limits.View source
The page publishes the 4% subsidy formula but no separate PNB lending .
- Source
- Pradhan Mantri Awas Yojana — Urban 2.0
- Page / section
- Subsidy
- Accessed
- 30 Aug 2026
- Confidence
- high
BenchmarkNot published for PMAY-U 2.0; applicable PNB housing-loan pricing applies at sanction.View source
No lending benchmark or spread is stated on the 2.0 page.
- Source
- PNB 2.0 benchmark review
- Page / section
- Complete scheme page
- Accessed
- 30 Aug 2026
- Confidence
- high
APRNot published as a separate APR percentage or calculation.View source
The official scheme page provides subsidy terms, not .
- Source
- PNB 2.0 review
- Page / section
- Complete scheme page
- Accessed
- 30 Aug 2026
- Confidence
- high
Minimum incomeIncome ceilings: EWS up to ₹3 lakh annual household income; LIG above ₹3 lakh up to ₹6 lakh; MIG above ₹6 lakh up to ₹9 lakh.View source
PNB defines , and by the published annual household income bands.
- Source
- Pradhan Mantri Awas Yojana — Urban 2.0
- Page / section
- Income Groups
- Accessed
- 30 Aug 2026
- Confidence
- high
Maximum amountUp to ₹25 lakh, subject to LTV and repayment capacity; eligible property value for subsidy is up to ₹35 lakh.View source
PNB publishes a ₹25 lakh maximum loan and ₹35 lakh property-value cap for the subsidy component.
- Source
- Pradhan Mantri Awas Yojana — Urban 2.0
- Page / section
- Quantum of Finance and Subsidy
- Accessed
- 30 Aug 2026
- Confidence
- high
TenureUp to age 70 or 30 years including moratorium, whichever is earlier; minimum five years is required to receive the subsidy.View source
The 2.0 page publishes the 30-year/age-70 limit and a five-year minimum for subsidy.
- Source
- Pradhan Mantri Awas Yojana — Urban 2.0
- Page / section
- Repayment Period
- Accessed
- 30 Aug 2026
- Confidence
- high
Processing feeNot published on the PMAY-U 2.0 scheme page; applicable PNB housing-loan charges must be confirmed.View source
The page publishes margin and security but no processing-fee amount.
- Source
- PNB 2.0 charge review
- Page / section
- Complete scheme page
- Accessed
- 30 Aug 2026
- Confidence
- high
Prepayment / foreclosureNot published on the PMAY-U 2.0 scheme page.View source
No prepayment charge is stated on the official scheme page.
- Source
- PNB 2.0 prepayment review
- Page / section
- Complete scheme page
- Accessed
- 30 Aug 2026
- Confidence
- high
Benefits and features
- Maximum loan ₹25 lakh, subject to and repayment capacity
- /
/ annual income ceilings of ₹3 lakh/ ₹6 lakh/ ₹9 lakh - Interest subsidy 4% on the first ₹8 lakh, maximum release ₹1.80 lakh
- 15% margin for loans up to ₹25 lakh
- Repayment up to age 70 or 30 years, whichever is earlier
Eligibility
- Beneficiary family includes husband, wife and unmarried children. The family must not own a pucca house anywhere in India and must not have received a government housing allotment in the previous 20 years. Houses generally must include the female head or wife in the title, subject to the scheme exceptions.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Aadhaar/Aadhaar Virtual for eligible beneficiaries
- Income and no-pucca-house undertaking
- Property, and loan documents
Related official documents
Pradhan Mantri Awas Yojana — Urban 2.0official-product-page · current · accessed 30 Aug 2026
↗