PMAY 2.0 and Government Housing Schemes: What Applies in Bhiwadi in 2026
Government housing scheme names get used loosely enough in casual conversation that it's genuinely easy to conflate two different programs. For Bhiwadi buyers specifically, it's worth being precise about which scheme actually applies to which purchase.
PMAY-Urban 2.0: The Central Government Scheme
Approved by the Union Cabinet in August 2024, PMAY-Urban 2.0 is a central government initiative targeting one crore urban households, offering financial assistance through subsidies up to ₹2.5 lakh under its AHP (Affordable Housing in Partnership) and BLC (Beneficiary-Led Construction) verticals, or an interest subsidy on home loans up to ₹25 lakh for eligible households. Eligibility spans EWS, LIG, and now MIG categories, with the MIG income threshold set at up to ₹9 lakh annually.
Jan Awas Yojana: Rajasthan's State-Level Scheme
Separately, Rajasthan operates its own Jan Awas Yojana, a state government affordable housing initiative under which Krish Group's Krish Nikunj project is developed and registered (RERA: RAJ/P2017/219). This is a distinct program from PMAY-Urban 2.0, with its own eligibility framework specific to Rajasthan.
Why the Distinction Actually Matters
Buyers sometimes assume any "affordable housing" project automatically qualifies for every available government benefit in practice, PMAY-Urban 2.0's interest subsidy and Jan Awas Yojana's state-level benefits are separate programs with independent eligibility criteria, and confirming which one (ifeither, or potentially both in some cases) applies to a specific purchase requires checking directly with the lender or relevant scheme authority.
What to Actually Verify Before Assuming Eligibility
Rather than assuming scheme benefits apply automatically because a project is marketed as "affordable," confirm directly: your household income against the specific scheme's threshold, whether the specific project is registered under that particular scheme, and whether you or your family have previously availed benefits under any housing scheme (which typically disqualifies further central assistance under PMAY).
A Practical Recommendation
Ifa government scheme's benefit is a meaningful part of your purchase decision, raise it directly and specifically with both the developer's sales team and your chosen lender before booking get written confirmation of eligibility rather than assuming based on general project marketing language.
Confirming Scheme Eligibility for Krish Nikunj or AnyActive Project?
Talk to our team to confirm which government housing benefits, ifany, currently apply to your specific purchase.
Ready to Find Your Forever Home?
Your dream home is more than just a property it's the foundation for your family's future. With nearly two decades of trust, timely project delivery, thoughtfully planned communities, and over 6,000 happy homeowners, Krish Group continues to redefine quality living in Bhiwadi and NCR. Whether you're looking for a ready-to-move home, an investment opportunity, or a peaceful community to call your own, now is the perfect time to take the next step. Explore the projects, schedule a site visit, and let Krish Group help you find a home that matches your aspirations. For more information, visit Krish Group or call +91 95607 14446 to connect with their team today
FAQ's
Find answers to commonly asked questions about the blog post topic.
Krish Group is a leading real estate developer in India, known for delivering high-quality residential, commercial, and hospitality projects. With a commitment to excellence, we aim to redefine urban living with innovative designs and sustainable practices.
Krish Group was founded in 2006, and since then, we have grown to become a trusted name in the real estate industry, delivering exceptional projects across India.
We specialize in a wide range of real estate developments, including luxury residential apartments, commercial complexes, affordable housing, and hospitality projects.
Our projects are strategically located in key regions across India, particularly in Rajasthan, Haryana, and Delhi NCR, offering excellent connectivity and modern infrastructure.
Our mission is to create sustainable and innovative real estate developments that enhance the quality of life and provide lasting value for our customers and stakeholders.
