Pradhan Mantri Awas Yojana (PMAY) – Credit Linked Subsidy Scheme (CLSS) 

  • Ministry of Housing and Urban Poverty Alleviation (MoHUPA) has introduced in June 2015,an interest subsidy scheme called Credit Linked Subsidy Scheme (CLSS) under Pradhan Mantri Awas Yojana (URBAN)-Housing for All, for purchase/construction/ extension/ improvement of house to cater Economical Weaker Section (EWS}/Lower Income Group (LIG)/Middle Income Group {MIG), given the projected growth of urbanization & the consequent housing demands in India.


  • The beneficiary family should not own a pucca house in his/ her or in the name of any member of his/her family in any part of Indi

  • In case of married couple, either of the spouse or both together in joint ownership will be eligible for a single subsidy.

  • The beneficiary family should not have availed of central assistance under any housing scheme from Government of India or any benefit under any scheme in PMAY.


  • The beneficiary family will comprise husband, wife and unmarried children.(An adult earning member irrespective of marital status can be treated as a separate household in MIG category)

Scheme details clss scheme type





Ews and lig

Mig1 **

Mig2 **

Eligibility household income (rs.)

Up to rs. 6,00,000

Rs. 6,00,001 to rs. 12,00,000

Rs. 12,00,001 to rs. 18,00,000

Carpet area-max (sqm)

60 sqm

160 sqm

200 sqm

Interest subsidy (%)




Subsidy calculated on a max loan of

Rs. 6,00,000

Rs. 9,00,000

Rs. 12,00,000

Loan purpose




Validity of scheme




2.67 lacs

Rs. 6,00,000

2.35 lacs

2.30 lacs

Other features:

  • Aadhar number(s) of the beneficiary family are mandatory for mig category.
  • The interest subsidy will be available for maximum loan tenure of 20 yrs or the loan tenure whichever is lower.
  • the additional loan beyond  the specified limits, if any to be at non-subsidized rate.
  • There is no cap on the loan amount or the cost of the property.
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