The Indian government is contemplating a reduction in the income cap for beneficiaries under the Pradhan Mantri Awas Yojana (PMAY) in urban areas. This potential change aims to make affordable housing more accessible to a larger segment of the population, addressing the needs of lower-income households in rapidly growing cities. Currently, PMAY provides subsidies for housing to economically weaker sections (EWS) and lower-income groups (LIG) in urban regions. The proposed adjustment to the income ceiling would expand eligibility, enabling more families to benefit from government subsidies and incentives. This move aligns with the government's broader objective of increasing homeownership and improving living standards across urban areas. If implemented, the revised income cap is expected to impact numerous potential homeowners, facilitating their access to affordable housing options. This change comes in response to the escalating real estate prices and the growing demand for subsidised housing solutions in urban centres. By making more people eligible for PMAY benefits, the government hopes to bridge the gap between housing supply and demand, contributing to the development of inclusive and sustainable urban environments. The revised income criteria would reflect the evolving economic landscape and support the ongoing efforts to enhance affordable housing accessibility for the urban poor. This policy shift underscores the government?s commitment to addressing housing challenges and ensuring that more citizens can secure affordable and quality housing in bustling urban areas.