The central government has launched PMAY-U 2.0 (Pradhan Mantri Awas Yojana – Urban 2.0) to provide affordable housing under the vision of “Housing for All”. If you have taken out a home loan to buy, build, or buy a resale property after September 1, 2024, you can get a grant of 4 per cent of your home loan under this scheme, which is valid for the next five years.