The Pradhan Mantri Awas Yojana — Urban helps poor and middle-class families in cities afford their own homes by providing a subsidy of up to ₹2.67 lakh. Whether you want to build a new house or buy an existing one, this central government scheme supports eligible families across all of India. You can apply online at pmayuclap.gov.in by submitting your Aadhaar, income certificate, bank details, and land documents. The scheme is open to all genders and social categories, making homeownership more accessible to common citizens.