The Pradhan Mantri Awas Yojana - Urban (PMAY-U) is a government initiative launched in India to provide affordable housing to urban residents. The scheme aims to ensure that every family has access to a pucca house with basic amenities by the year 2022. It focuses on the construction of new homes and the enhancement of existing housing conditions. Under PMAY-U, financial assistance is provided to eligible beneficiaries through subsidies on home loans. The program targets various groups, including economically weaker sections, low-income groups, and middle-income groups, promoting inclusive urban development and improving living standards in cities across the country.