PM Awas Yojana Loan Scheme 2017 for MIG Under CLSS – Interest Rates & Subsidy

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Pradhan Mantri Awas Yojana home loan scheme 2017 for middle income group (MIG) has been announced by the central government. The government has now included middle income group under the credit linked subsidy component of the scheme to provide interest subsidy on the housing loans. Under the scheme, the monthly installment for the housing loans taken in 2017 will come down by Rs. 2000. The government has introduced two MIG categories, MIG-1 and MIG-2 under the new loan scheme.

Persons who have taken/applied for housing loan on or after January 1st 2017 would be eligible to take benefits of up to Rs. 2.35 Lakh under the scheme. Under the new PMAY home loan scheme for MIG, urban families with household income of up to Rs. 18 lakh per annum would be able to take benefits of the scheme. The government has signed MoU with 70 lending institutions for providing home loans to beneficiaries under CLSS for MIG.

The central government has recently extended the last date for availing subsidy on home loan under the CLSS component for MIG. The deadline has been extended by 15 month, i.e. interested MIG applicants can now avail PMAY home loan subsidy till March 2019.

PM Awas Yojana Loan Scheme for MIG – Interest Rates, Subsidy & EMI

ParticularsMIG – 1MIG – 2
Household income per annum12 Lakh18 Lakh
Interest Subsidy (per annum)4%3%
Maximum loan tenure in years2020
Eligible loan amount for interest subsidy under CLSS for MIG9 Lakh12 Lakh
Discount rate for Net Present Value (9%) calculation of interest subsidy9%9%
Maximum interest subsidy2.35 Lakh2.3 Lakh
Dwelling unit maximum carpet area120 Sq. Mt.150 Sq. Mt.
Monthly EMI @ 8.65% without interest subsidyRs. 7,894Rs. 10,528
Monthly EMI @ 8.65% with interest subsidyRs. 5,834Rs. 8,509

The total interest subsidy accruing on these loan amounts will be paid to the loan account of beneficiaries up front in one go there by reducing the burden of Equated Monthly Installment (EMI). Additional loans beyond the aforementioned specified limit, if any, will be at non-subsidized rate. There would be no processing fee charged by the PLI’s for applications under the CLSS. The scheme initially would be implemented for one year with effect from 01-01-2017.

CLSS for MIG – Eligibility & Guidelines

Apart from the family as comprising of wife, husband and unmarried daughters and sons, single unmarried youth and earning young adults can also apply for the subsidy under the CLSS for MIG loan scheme. Women with overriding preference to widows, single working women, persons belonging to SC/ST, BC, Differently abled and Transgender people would be given preferences for loans under the scheme.

To be eligible to interest subsidy under CLSS for MIG

  • The beneficiary family should not own a pucca house either in his/her name or in the name of any member of his/her family in any part of India.
  • A beneficiary family should not have availed of central assistance under any housing scheme from Government of India.

Application Procedure & Steps for PMAY Loan for MIG

PMAY MIG Loan Steps
Pradhan Mantri Awas Yojana Loan Application Steps for MIG

The detailed operational guidelines of CLSS for MIG are available at the link below
CLSS for MIG

EMI Calculator – PMAY Loan for MIG

PMAY MIG Home Loan EMI Calculator
PMAY MIG Home Loan EMI Calculator

The government has also increased the loan tenure of the CLSS for EWS/LIG from 15 years to 20 years.

Features of PMAY Credit Linked Subsidy Scheme for MIG

S.No.DetailsMIG IMIG II
1Household Annual Income (Rs.)
Min.6,00,00112,00,001
Max.12,00,00018,00,000
2Income Proof for Claiming SubsidySelf Declaration
3Property Carpet Area (sq.m.) Upto120150
4Property LocationAll Statutory Towns as per Census 2011 and towns notified subsequently
5Applicability of No Pucca HouseYes
6Woman Ownership/Co-ownershipNo
7Due Diligence ProcessAs per the process of the Primary LendingInstitution
8Eligible Loan AmountAs per the policy applied by the Primary Lending Institution
9Identity ProofAadhaar No.
10Housing Loan Sanction and Disbursement Period
From01.01.2017
ToAs specified
11Interest Subsidy Eligibility
i.Loan Amount (Rs.) Min.00
ii.Loan Amount (Rs.) Max.9,00,00012,00,000
iii.Loan Tenure (Years) Max.2020
iv.Interest Subsidy (% p.a.)4.003.00
v.NPV Discount Rate (%)9.009.00
vi.Max. Interest Subsidy Amount (Rs.)2,35,0682,30,156
12Loan Category at the time of crediting the subsidyStandard Asset
13Lumpsum amount paid per sanctioned Housing Loan application in lieu of processing fee (Rs.)2,0002,000
14Quality of House/Flat ConstructionNational Building Code, BIS Codes and as per NDMA Guidelines adopted
15Approvals for the Building DesignCompulsory
16Basic Civic Infrastructure (water, sanitation, sewerage, road, electricity etc.)Compulsory
17Monitoring and Reporting the Completion of Property ConstructionResponsibility of the Primary Lending Institution
18Default Repayment of LoanRecover and Pay back subsidy to CNA on proportionate basis
19Data Submission & Accuracy, and Record Keeping & MaintenanceResponsibility of the Primary Lending Institution

PMAY CLSS Home Loan Helpline

The home loans subsidy under CLSS scheme of PMAY will be processed through the Central Nodal Agencies. Below are the contact & helpline details of the CNA’s
National Housing Bank (wholly owned by Reserve Bank of India)
Core 5-A, India Habitat Centre, Lodhi Road, New Delhi 110 003
CLSS Tollfree No: 1800-11-3377; 1800-11-3388
E-mail: clssim@nhb.org.in

Housing and Urban Development Corporation Ltd. (A Govt. of India Enterprise)
Core 7-A, India Habitat Centre, Lodhi Road, New Delhi – 110 003
CLSS Tollfree No: 1800-11-6163
E-Mail: hudconiwas@hudco.org

The assessment applications for PMAY-U are being invited through the online mode through official website pmaymis.gov.in of PM Awas Yojana.

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323 thoughts on “PM Awas Yojana Loan Scheme 2017 for MIG Under CLSS – Interest Rates & Subsidy”

  1. Annual income 450000 Rs.plot 45×45 feet wife and husband name recorded,city_jalpaiguri,West bengal.govt servant,pls tell me about home loan,eligibla or not,procedure for applied

    Reply
  2. Hi Team I have also applied but there is no reason for the rejection..
    Bank just said rejected..
    Trying calling to class office but no response

    Reply
  3. Sir my name jaya.i started the pre lone 2016.but my home registration in 2018.i am eligible in this lone.this is first house to me.

    Reply
  4. My carpet area is 92 sq mtr. But Bank is still saying that I am not eligible for subsidy because they still consider 90 sq mtr as limit for MIG-1. Can any one please suggest.Is 110 Sq mtr is eective or the one who has get loan in April 2017.

    Reply
  5. Shree मती वशुन्धरा राजे जी मुख्यामंत्री राजस्थान !
    महोध्या जी निवेदन् है की में आयुष सिन्ह जो एक गरीब परिवार से हू ओर कई सालो से हम सिर्फ ओर सिर्फ भाजपा को ही वोट देते है ओर ऊमीद है की ऐसा ही करते रहेंगे पर मुझे खेद है की भाजपा को कोई ऐसी सूची बनानी चाहिये ज़िसमे ये डाठा इकठा करना चाहिये ज़िसमे की वे लोग जो सिर्फ ओर सिर्फ भाजपा को ही वोट देते है ओर देते रहेंगे ऊनं पर भाजपा द्रारा अपना ध्यान केन्द्रीत करना चाहिये !
    ऊंहे गरीब परिवार जो करजे के बोज में ढ़बे है ऊंहे करजे से उभारने के लीये कम ब्याज पर लोन की व्यवश्ता की जाये ताकी वे करजा चुका सके !
    ओर हर उस परिवार जो भाजपा को ही वोट देते है ऊंहे अच्छी नौकरी की व्यवश्ता की जाये !
    मैडम आप से निवेदन है की प्रधानमंत्री द्रारा दी जाने वाली राशी का बुगतान जो रूपये 148000 है ओर शोचालया के लीये दी जाने वाली राशी 12000 सही लोगो को नही मिल रही है ! सभी जगह सिकायत करने के बाद भी कोई शुनवाई नही हो रही ! भामाशाह मे मिलने वाली राशी भी मेरी माताजी के खाते में नही आ रहा है !
    अच्छे व्यापार के लीये रूपये नही है ! घर की बहुत ज्यादा हालत खराब है ! रूपये मांगने वाले शुबह शाम परेशांन् करते है ! इतने साल बी जे पी को वोट करने का कोई फायदा नही मिला वो ही गरीबी भरी जीन्दगी है !
    अब तो हर तरफ से ही परेशानी ही परेशानी हो रही है !
    कोई किसी प्रकार की मदद नही मिल रही कई बार सिकायत करने के बावजुद लोन् नही मिल रहा !
    गोपाल सिन्ह चौहान
    पुत्र स्वर्गिय श्री गुलाब सिन्ह
    पलोट न् 75 न्यू खारदा कॉलोनी सिरसी रोड भांकरोटा
    302026 वार्ड न् 33
    पार्षद मुकेश शर्मा कांग्रेस पार्टी
    9950330007

    Reply
  6. If i constructed the house in udpui which is belongs to Karnataka whether am i eligible for the PM awas yojana MIG II. It is a ancestors property which is belong to my mom name. Ist eligible for constructed house loan for my name, because my mom is house wife.

    Reply
  7. Sir, I purchased apartment plot no106,at palangi village on 12-9-2017.Alahabad Bank, TANUKU given housing loan Rs1500000/-.Emi is 16000/-, May I eligible for pmay interest subsidiary,? sir

    Reply
  8. Dear sir, I am a state govt. Employee, drawing salary Rs.5,28,000/- PA.
    Can I eligible for this. Kindly tell us the last date of filing of application and how to approach, whom to approach for loan application. Kindly do the needful.

    Reply
  9. I have availed home loan from sbi under max gain skim. My loan was sanctioned on 22nd dec 2016, but my disbursement date is 7th feb 2017. can i avail the facility of PMAY? i lies in middle income group (MIG-1)

    Reply
  10. Dear sir, I am a state govt. Employee, drawing salary Rs.5,28,000/- PA.
    Can I eligible for this. Kindly tell us the last date of filing of application.

    Reply
  11. I brought 605 super built up 1 BHK flat in the year 2014, my first EMI started on oct 2014. My annual income is 590000. Am I eligible for the PMAY scheme. Please respond.

    Thanks

    Reply
  12. HI SIR I STARTED MY HOME WORK I NEED 12,00,000 FROM YOU FOR EMI RATES I THINKING THIS PROCCESING TAKE LONG TIME HAVE ANY IDEA FROM YOU TO TAKE EASY LOAN FROM TELANGANA

    Reply
  13. HI SIR I STARTED MY HOME WORK I NEED 12,00,000 FROM YOU FOR EMI RATES I THINKING THIS PROCCESING TAKE LONG TIME HAVE ANY IDEA FROM YOU TO TAKE EASY LOAN FROM TELANGANA

    Reply
  14. Sir,

    I had taken Loan from Aspire Home Fainance of Rs.1150000/- and i am Elegibility for Subsidy and i have submited my Aadhar card to the BAnk.

    please help me getting updates

    Reply
  15. Sir,

    I want to apply for a home loan of 25 lakhs for a tenure of 15 years for construction of a house of 750 sqft area. So how i will get the benefit of PMAY? From the information given on your website, what i understand is subsidy is considered in first 9 lakhs loan (i.e, 9%-4% =5%) and normal interest is calculated on rest 16 lakhs loan (i.e, 9%) out of the 25 lakh home loan.
    Kindly enlighten me in the matter.

    Reply
  16. sir/madam,

    I had bought my house in Jan-2017 with 25tenure of home loan of Rs. 982003 lakh, including Insurance. I am I eligible for home loan subsidy. Under
    (pradhan mantri awas yojana )
    Please guide me.
    Reply

    Reply
  17. I’m applying for Home Loan for CGEWHO Greater Noida project which might be completed in Dec. 2020.
    I’m fulfilling all other criteria like Do Not have any Pucca House, Carpet area of CGEWHO House will be within limits, Annual Income is also within define limit of CLSS II scheme for MIG.
    Am I eligible to get Interest subsidy or only those projects which will be completed by 2019 are covered. Kindly clarify.

    Reply
  18. I had bought my house in 2014 with 25tenure of home loan of rs. 20lacs, am i elwligible for home loan subsidy. I realy need this subsidy.

    Reply
  19. Sir,

    i am nagaraju,my family income 360000 PA.and my house was registered on my parents but both are expired.Documents and every thing is my father name only.my house was 1st floor finished to slab only and we are ready to construction finish the house.iam eligible or not to PMAY.

    Reply :

    Reply
  20. सर मे गरिब हू मेरे पिताजी का निधन हो गया हे पिरधानमनतरी आवास यौजना का लाभ नही मिल पराहा हे मेरा B.P.L मे नाम हे मेरे यहा
    का सरपच दे नही रहा हे मेरा भाई विकलंग हे उस को भि कुछ नही मिल रहा हे आप से ही मेरी विनती सर जी
    मुझे कुछ भी योजना का लाभ नही मिला हे

    मेरा मो0 7415575827

    Reply
  21. hi..
    kindly advise me. how ill go for it n which bank can give this pm awas home loan because i went and ask 2.3 bank about this yojana but nobady can’t help m. so please advise m how will i need go for it n let me know formality and perper work also..

    Balveer

    Reply
  22. Dear Sir/Madam

    My loan sanctioned on 26.12.2016 through Axis Bank,, can i eligible for PMAY (loan subsidy), my income is upto Rs. 500000.

    Reply
  23. hi sir,

    i have got home loan from federal bank of RS 27 lakhs on feb 2017.
    My anual income is 7 lkhs Would I eligible for
    PMAY=CLSS subsidy benefit. pl. let me know

    Reply
  24. I have been sanctioned housing loan of RS.60lakhs by SBI for purchase of flat measuring 990 sq’carpet area. The flat is under construcion. Loan was sanctioned during April 17 and have released two instalments. My family income is >12 lacs and <18 lacs PA. I want to know the procedure for claiming interest subsidy under PM awas Yojana. Pl guide.

    Reply
  25. Dear sir
    Im Balveer singh chauhan and my annual income is 220000/- i want to apply for home loan can i eligible for this and i want know the processe of it. & how will get it done & which bank i need to contact please sir guide me.

    Reply

    Reply
  26. Respected Sir,
    I am State Govt. employee, my gross annual income is 4,20,000/- and I got home loan from HDFC Bank amounting to Rs. 11,00,000/-. My house carpet area is 95 sqr mtr. Am I eligible for subsidy under PMAY scheme.

    Reply
  27. Respected SIr,
    I am Haryana State Govt. employee, my gross annual income is 4,20,000/- and house carpet area is 95 sq. mtr. Am I eligible for subsidy under PMAY scheme.
    Thanks

    Reply
  28. Sir main 2016 main loan lichfl se liya to muje uski subsidy abhi tak nahi mili aur yah kitani milegi muje batane ki kirypa kare main apni subsidy rasi ke bare main janana chata hu Jo ki aur 1800000 ka loan hain to plz bataye ki kitana subsidy aayega

    Reply
  29. Hello sir…
    i am working as a banker annual income is 5.94lakh and father annual income is approx.50,000/-. i have availed loan of Rs.30 Lakh for 30 years,Now I am bachelor.My father doing a private job and he don’t have any house in his own name.and He is co-applicant of my loan ….
    please guide me i am eligible for PMAY subsidy under MIG-1

    Reply
  30. I’m an working women, my annual income is 2,50,000/-. i’m married with 2 daughters I own a land of 20*30 in Bangalore rural. Please advise the eligibility scheme details for house construction.

    Reply
  31. Hi, I’m a working women of age 30, married with 2 daughters of 5 year and 3 year old and have a land of 20*3o. My income is 250000 Lakh per anum. Please guide under which scheme I will be eligible to get PMAY for house construction.

    Reply
  32. Do you need a loan to start your business ? Do you need a loan to pay with your bills ? At the moment we offer Education loan , business loan , mortgage, agricultural credit , personal loan , auto loan , etc. , if you need a loan with specific interest so we can send more information to You den you contact us on beta00973@gmail.com

    Reply
  33. sbi is not section my home loan bank . a put up 09-06-2017 but bank without reason stoped my home loan i am a seneir citizen.

    Reply
  34. Im co-applicant for my bother’s home loan.
    Property is owned by my brother.

    Can I be eligible for home loan in my name.
    Being co-applicant am I eligible under PMAY.

    Reply
  35. Hello sir namskar mai ek garib insan ka balak hu sir mere mata-pita bahut garib admi hai or mere mata-pita ke upar bahut karj bhi hai or mai padhna chahta hu par mujhe koi Sahra nahi hai or mujhe 1lakh 25 hajaar mil jaega to karj khatm ho jaega or mai achha se pdhai bhi karuga mo-9576322004

    Reply
  36. Sir ji namaskar mera property hai mere pitaji ke naam par 23/40 me 3 bhai ki hissedari hai sir ji abhi hamne namankan nahi karvaya hai me private kam karta hu mene loan ke liya form bhara tha par abhi tak koi progress nahi hu sir ji mere ghar kaccha hai abhi me namankan karva raha hu kya stamp par bhaiyo ke sign lekar apna haqdar bankar mujhe subsidy loan mil jayega sir please meri help kare thanks

    Reply
  37. Dear Sir .
    Me govt. Employer hu. Meri income 390000 have. Mene apni wife ke name makan liya h. Or lichfl se wife ke hi name 1700000 lakh. Loan Liya h.tenure 20 year.loan 05/02/2017 me Liya. House 50*20=1000 Sq ft. h..kya hame PMAY LOAN SUBSIDY ka labh mil sakta h. Agar milta h to kya karna hoga.

    Reply
  38. dear Sir
    m Bsf m job kr rha hu.kolkata m posted Hu
    or maira Bank account Kolkata m h
    maira village m maire jamin h vo maire name se h. mujhe usme House bnana h. mujhe Loan MIL skta h uske liye mujhe Kya documents chahiye. plz tell me

    Reply
  39. Hi i am a state govt employee 5.96lakh gross come. I want take home loan 25lakhs with am i eligible for interest subsidy under this scheme.

    Reply
  40. Hi Sir,

    1-I am taking loan Amt is 25,00,000 for 12 yrs from IDBI BANK . The built up area of home is 112.20 sqm, but for same built up, carpet area is 105 sqm, and my an income is 650000 per year, am I eligible for the PMAY loan subsidy scheme ?
    If yes what should i do to take benefit of this yojana.

    Reply
  41. 1-I am taking Home loan Amt is 25,00,000 for 15 yrs from IDBI BANK . The built up(Recorded) area of my house is 112.20 sqm, and for same built up area carpet area is 105 sqm, and my income is 650000 per year, am I eligible for the PMAY loan subsidy scheme ?
    2-If i am eligible then how should i can apply for this scheme.

    Thanks

    Reply
  42. Sir my name is sahadeb biswas..i live in west bengal.district-dakshin dinajpur…p.s-banshihari..p.o-buniadpr.pin-733121..
    Sir i requested that.i wish to get a home loan for my dream house…i work in a government school..non teaching staff like peon..my salary is 16k.so i get 9 lac ruppes for my home..so i can get subsidy 3-4 %interest..and how much time are now ..which date are in this affers are closed..how can it is possible plz sir reply..me..fast…kindly..ful details

    Reply
  43. I want to purchase house /flat at hyderabad from private builder. my income is Rs.800000/- pa.whether i am eligible for pmsy subsidy.

    Reply
  44. hi my annual income 250000. i have no IT am i eligible for loan which bank we can go and if have house in past sold out now we are eligible for PMAY

    Reply
  45. hi my annual income 250000. i have no IT am i eligible for loan which bank we can go and if have house in past sold out now we are eligible for PMAY pls give information

    Reply
  46. sir plz reply kya hme loan mil sakta h hmari yearly income 1’8000 h kya hme 6 lakh ka loan mil jayega sir plz reply kr dijiye hme apna ghr lena h

    Reply
  47. Hi Sir,

    I am planning to take a flat at Hyderabad. I am planning to take a loan of around 30Lakhs and my Income is 8LPA. I am eligible for this scheme.. Please give more information on this sir. My number 9963029233 and mail id veerandra.sqa@gmail.com.

    Reply
  48. Sir,

    I am Veni, and got home loan of rs.19 laksh from sbi on march 2017. Would I eligible for
    PMAY=CLSS subsidy benefit. pl. let me know

    Reply
  49. Sir,

    I am Veni, and got home loan of rs.19 laksh from sbi on march 2017. Would I eligible for
    PMAY=CLSS subsidy benefit. pl. let me know

    Reply
  50. Hi, I have taken a home loan from SBI in March 2017 for purchase of a new flat which carpet area is 38.52 sqr.metrs. and my annual income is 8lacks per annum. For avail credit subsidy I visited the home branch and also RACPC. But bank officers are ignore me and told me that you are not eligible for the credit subsidy. Kindly help me how to apply for credit subsidy.

    Reply
  51. sir hmari monthly income 15000 h hm rent pr rehte h hme 6lakh ka loan chaiye jisse hm ghr lena chahte h kya hme loan mil sakta h plz sir

    Reply
  52. I HAVE A HOME LOAN IN LIC HOUSING FINANACE LTD. I TRANSFERRED MY LOAN TO SBI IN MARCH 2017.MY CARPET AREA IS 1130 SQ FT.I FALL UNDER MIG 1.CAN I APPLY IN PRIME MINISTER AWAS YOJNA? TAKE OVER OF LOAN IS APPLICABLE OR NOT APPLICABLE IN PMAY?

    Reply
  53. Hi Sir,

    1-I am taking loan Amt is 25,00,000 for 12 yrs from LIC HFL in may 2017 . My apartment base area is 1022 & super area is 1453 sqf, my an income is 650000 per year, am I eligible for the PMAY loan subsidy scheme ?
    2-How can apply any eligible persion for scheem.

    Reply
  54. Hi Sir,

    1-I am taking loan Amt is 25,00,000 for 12 yrs from LIC HFL . My apartment base area is 1022 & super area is 1453 sqf, my an income is 650000 per year, am I eligible for the PMAY loan subsidy scheme ?
    2-How can apply any eligible persion for scheem.

    Reply
  55. sir I hve borrowed loan of 13 lakhs in year 2012 then I have again re-bowered loan for amount of 4 lakh on dt
    :- 20/10/2016 .Sir I am an central government employee with yearly gross income 650000.00 can I get Pradhan mantree avas youjana CLSS subsidy /or can I appy for the PM AVAS YOUJANA

    Reply
  56. My annual income is below 600000 and my loan of 1352000 was sanctioned in july 2016. The house is on name of both me and my wife.
    Am i eligible for this scheme or not??

    Reply
  57. Dear Sir,

    I m salaried person & form OCB cast.
    I m purchase house in year 2016 & I m eligibale for MIG-I class.
    Can i claim subsidi benifit ?

    Please reply

    Reply
  58. Dear Sir,
    I am purchase house in year March 2016 but My Wife name is not mentioned on the aggrement.
    Kindly suggest to me what can i do for avaling subsidi benifit.

    Reply
  59. Dear Sir I am salaried person in unlisted private company tirupur but my native is sathamangalam in erode district tamil nadu.I donot have any property
    in my name so i am eligible this PMAY scheme or not.

    Reply
  60. Hi Sir,

    I am taking loan Amt is 18,00,000 for 20 yrs. My apartment area is 1265 sqf, am I eligible for the PMAY loan subsidy scheme ?

    Reply
  61. SIR I HAVE 2BHK FLAT IN ASANSOL AND ITS REGETERED BY WIFE NAME .IS IT POSSIBLE TO SHIFT PM AWSA YOJANA .PLEASE HOW . I AM PRIVATE EMPLOYE .MY BASIC SALARY IS 13111/. LOAN AMOUNT 11.50000/LIC FOR 25 YR.SIR PLEASE ADVICE ME HOW TO TRANSFER PM AWAS YOJANA. I HAVE A KID ALSO.

    Reply
  62. SIR I HAVE PURCHASE A BHK FLAT 2016 IN ASANSOL FORM LIC. LOAN AMOUNT 1150000.I WANT TO TRANSFER PM AWAS YOJANA.FOR SUBSIDY PLEASE ADVICE ME HOW ???

    Reply
  63. Hi Dude,
    I’m Vikas my annual salary is 4lakh.
    I want to avail this scheme. Please suggest me if I am eligible to avail this scheme,if yes then please guide me how can avail this scheme and what us the procedure to apply. Please advice me urgently.
    I news it more and urgently.
    Thanks in advance.
    Thank
    Vikas

    Reply
  64. Hi Dude,

    I have taken home loan at ICICI on 2016 rs. 471000/-. Loan sanctioned date: August 2016, 1st Disbursement date: Nov 2016 and 2nd disbursement date : Dec 2016. Due to improper service of ICICI bank, i have transfered the balance loan to HDFC on MARCH 2017 as a new loan and also got additional loan for improvement

    Now total loan amount is 900000. Whether i am eligible for this scheme

    Reply
  65. Sir, I’m self employed i got loan sanctioned from HDFC Bank for Rs 20,00,000.00 My Property is below 90 Sq Mt. Will I get the benefit of under PMAY scheme.

    Reply
  66. Hi Dude,

    I have taken home loan at ICICI on 2016 rs. 471000/-. Loan sanctioned date: August 2016, 1st Disbursement date: Nov 2016 and 2nd disbursement date : Dec 2016. Due to improper service of ICICI bank, i have transfered the balance loan to HDFC on MARCH 2017 as a new loan and also got additional loan for improvement

    Now total loan amount is 900000. Whether i am eligible for this scheme.

    Reply
  67. me kutch gujrat se belong karta hu meri mothly income 15000 he muje apna Makan banana he iske liye loan chaiye 200000 to plz..help kijiye

    Reply
  68. Dear Sir,
    Please let me know if I am eligible or not. my income is 4.50 Lac PA my loan amt. is 19,90,000/- Axis Bank and tenure is 25 yeasr. Loan saction Feb,15 but first disbusment Apr,16 property is 430 square fett carpet area.

    Reply
  69. Sir i’m doing a pvt. job…with slry 10000pm… i hv taken education loan also….nd my study is completed…and i’m starting to give back my loan amount to the bank monthly…but now i also want a loan upto 12-18 lakhs….for bussiness purpse…. so will u suggest me…am i aplicable ?… and if i m…. then how much amt. of loan can i get frm the bank ? i need loan jst becoz i want to start my own bussiness

    Reply
  70. I am a central govt.emp.My gross annual income is 6,05,000. And I want to a loan Rs. 24,00,000/- from SBI bank and house carpet area under 90 Sqm. Am I eligible for subsidy under PMWY scheme.

    Reply
  71. I am a central govt.emp. My gross annual income is 6,05,000/-and house carpet is under 90sqm.Am I eligible for subsidy Rs. 2.35 lakes under the scheme PMWY.

    Reply
  72. Sir I have 2 vacant plot registered in with Aadhar no.now I want to buy 1 new house.can i eligible for home lone subsidy ?

    Reply
  73. Hi Dude,

    I have taken home loan at ICICI on 2016 rs. 471000/-. Loan sanctioned date: August 2016, 1st Disbursement date: Nov 2016 and 2nd disbursement date : Dec 2016. Due to improper service of ICICI bank, i have transfered the balance loan to HDFC on MARCH 2017 as a new loan and also got additional loan for improvement.

    Now total loan amount is 900000. Whether i am eligible for this schem

    Reply
  74. I need to take a home-lone of about 9 to 12 lack, My anual income is about 3LPA How i can utilize this facility, plz send me the respective solutions.help me please

    Reply
  75. I need to take a home-lone of about 9 to 12 lack, My anual income is about 3LPA How i can utilize this facility, plz send me the respective solutions.

    Reply
  76. I wanna 8 lack loan against property my property is 20 lack
    My annual income is 2.50 plz say how can I take loan

    Reply
  77. Sir I am govt. Empl in Bihar. My income is 300000 yearly. My wife has 592 sq.feet land in Patna. I want home loan under subsidy in pm sahari Awas yojna. How and where I apply . pl.guide me.

    Reply
  78. Sir mene pmay housing loan ke liye mere family mukhiya ki jagah mere name se form bhara to kiya wo admi ke name se farm cancel to nhi hoga please Jan kari de

    Reply
  79. hi sir i have taken home loan on 27/5/2015. 1475000/ rupees and my yearly income 200000/plz tel me i eligible for subside ? new announcement subside criteria on 8 april 2017

    Reply
  80. Hi sir (PM Modi ji) this is Monika I was trying to apply for this scheme but the was I am unable to go through on 2nd page I don’t know why but after adding my adhar no. It’s been on same page without any error so could you please help me out because I am inserting a valid adhar no. I am Confused what to do I wanna a buy a own house please help me

    Reply
  81. Hi dude
    My brother bought a loan of 10 lakhs from canara bank at 2017 . He is worked at dubai. We need a loan for house construction weather my brother eligible for this scheme or not if he eligible what are the documents he submitted give the full details

    Reply
  82. I am from westbengal resides in katwa town.. i am receiving 16000 monthly salary.. and my land consisting of nearly 1000 square feet.. i require 6 lack loan from this scheme.. am i eligible for this loan? If eligible.. from which bank i should apply. And procedure???

    please reply…………

    Reply
  83. I am from West Bengal resides in katwa town.. i am receiving 16000 monthly salary.. and my land consisting of nearly 1000 square feet.. i require 6 lack loan from this scheme.. am i eligible for this loan? If eligible.. from which bank i should apply. And procedure???

    please reply…..

    Reply
  84. Dear Sir

    I have taken Loan of 25Lakh in July 2016 from CANARA Bank. if i transfer my loan to other bank at that time can i take benefit under PMAY scheme?

    Reply
  85. Hi Dude,

    I have taken home loan at ICICI on 2016 rs. 471000/-. Loan sanctioned date: August 2016, 1st Disbursement date: Nov 2016 and 2nd disbursement date : Dec 2016. Due to improper service of ICICI bank, i have transfered the balance loan to HDFC on MARCH 2017 as a new loan and also got additional loan for improvement.

    Now total loan amount is 900000. Whether i am eligible for this scheme

    Reply
  86. Hi, I bought my home with loan which was sanction and disbursed in December 2016, am I eligible for getting the subsidy in MIG 1 category

    Reply
  87. I need to take a home-lone of about 20 to 25 lack, My anual income is about 6.5LPA How i can utilize this facility, plz send me the respective solutions.

    Reply
  88. my total income is 1.40lahks. I want to purchase a flat. my loan amount would be 9lakhs.. am i eligible? please reply with the procedure

    Reply
  89. I am going to buy new home first time. I want more information about subsidy some body is told me if buy the house in wife name will get subsidy is this true? Are there two subsidy scheme one is interest subsidy and another is direct credit to the account if buy on wife name ? Please suggest

    Reply
  90. Please let me know if I am eligible or not. My income group under 2,50,000 per annum. My loan amount is 7,50,000 and tenure is 20years. Loan taken Feb- 2017. Property is 1017 square feet.so please help me .
    Reply

    Reply
  91. SR…

    Main abhi kiraye k ghar me rehta hoon muje khud ka ghar lena hai meri incom annual 250000 hai kya muje itni income me ghar mil sakta hai and muje kitne tak home loan mil sakti hai

    plz reply

    Reply
  92. We are from karnataka resides in chikkaballapur town.. i recieve 15000 monthly salary.. and my land consisting of nearly 1000square feet.. i require 12lack loan from this scheme.. am i eligible for this loan? If eligible.. from which bank i should apply. And procedure???

    Reply
  93. Sir,I am central govt serviceman .my annual income is Rs. 4,50,000 .my plot size is 45×45 feet=2025 squar feet.My required loan amount is 15,00000 Rs.presently my home town located at jalpaiguri district city in westbengal.Kindly advice me about this purpose because I have no any pucca makan.please tell me I am eligible or not for this subsidy.please give me loan taken procedure by pdf file or any link via download option.

    Reply
  94. Hi,
    I am single working women and am applying for a Home loan in SBI. My income is 9 LPA.
    But in property agreement I have made by father as a co owner along with me but he is not contributing in loan and he is a pensioner and he owns a home.
    Please let me know if I am eligible for PMAY MIG 1 scheme. Your response is highly appreciated.
    Thanks & Regards,
    Gauri

    Reply
    • You are eligible for PMAY MIG 1 scheme as per the information provided by you in the comment, You can visit the bank branch for more details

      Reply
  95. Please let me know if I am eligible or not. My income group under 2,23,200 per annum. My loan is Axis bank Ahmedabad amount is 7,24,000 and tenure is 20years. Loan taken Feb- 2017. Property is 1017 square feet. i go to bank for subsidy . but he told me you are not eligible because you property is not woman name. so please help me .

    Reply
  96. Dear Sir/mam,

    I took Home Loan of 28,80000/-, on Feb-2017(in Kotak Mahindra Bank) and its for 20 years. We bought a Flat of 910 sqft and UDS 519 sqft. My annual income is 4,05000/-(4 lakhs). Till not i am not notified regarding the Subsidy benefits of PMAY-CLSS from the bank(Kotak Mahindra bank) for the Home loan.

    Can you please help me i am eligible to take this benefit and guide me what needs to be done from my side.
    Please do the needful for me.

    Thanks,

    Reply
  97. if Beneficiary own a pucca house in the name of mother earlier and they sold the house on may 2017 can the Beneficiary avail the benifit of pm subsidy

    Reply
  98. sir i have booked a flat under haryana govt. affordable housing scheme with area of 560 sq ft. and taken a loan of rs 2000000/- (20 lacks) from PNB housing in the year of 2015 at a rate interest of 9.55%. my annual income is under 5 lack. can i get the subsidy on my loan. if yes what is the process to change it or get it. thanks

    Reply
  99. sir i want to repay my loan of 1200000 taken in 2011..my carpet area is 680sq feet and my annual incom is less than600000.

    whether am I eligible for PMAY?

    Reply
  100. Sir actully i m nasreen meri mummy nd papa working h bt unke pass as like proper proof nhi hoga bt early income 252000 hai to kya hm eligibel h is ghr k liye or kya creteria hoga apply krne k liye hmne form to fill kiya h bt abhi tk koi loan nhi liya h to plsss ab bta skte h ki kese krna hoga

    Reply
  101. sir me 6 lakh tak ka loan gramin aawas me lena chahta hu iske liye mujhe income proof dena hoga kyuki me ek kisan hu

    Reply
  102. I sold my home before 7 years ago and i dont have any property right now and i want to purchase new homeunder 50 sqr mtr and my yearly income is 2 lack so can i eligible for clss sceam? Can i get subsidy?

    Reply
  103. Sir i I want to help .my loan amount is 1200000 and loan taken in Feb-2017 .I have eligible or not for PMAY schem..and loan tenure 13 year..

    Reply
  104. Hi, I am a housewife and am a part time LIC agent, with an annual income around 1.5lakhs. Can I apply for a housing loan and buy a house under PMAY scheme?

    Reply
  105. I am Rama Chandra.R of Bengaluru availed/Sanctioned Home Loan of Rs. 26,67,000/- from Canara Bank, Bengaluru during Oct,2014(repeat Oct,2014). I am Central Government Employee having a annual income of Rs.7,00,000/-(now). Whether, I am eligible for subsidiary, as I have been paying interest rate @ 9.6% and total EMI of Rs. 24,825/-p.m.

    Reply
  106. Sir I am a retire teacher my income annually @240000/- can I get PRADHAN mantri awas yojona …..Loan amount 10Lc …….Plz reply me

    Reply
  107. Hi,

    I have loan of 33L and the tenure is 25 yrs. My wife is co applicant. The loan has been sanctioned on Mar’2017. Total annual income (mine + wife) is 13 L. Am I eligible for the scheme ! I took loan from LIC HFL and they said they don’t have any information on the eligibility criteria.

    Please suggest.

    Reply
  108. I am booked a flat and sbi sanction my loan 29th December16. but ur telling only those who r eligible apply jan17 this not justified i am also low paid employee my self only laps 3 days this scheme for low paid employee..pl.suguested me what to do….

    Reply
  109. Dear Sir/Madam,

    we are eligible but Bank refuse with reason , yet not received the notifications

    please help….

    Reply
  110. Sir,, PM AY LOAN KE LIYE. .. MUJE KAHA APPLY KRNA PADEGA…MERA PLOT 1000 SQ/METER HAI…MERI ANNUAL INCOME Rs140000/- Hai…Please Tell me advise

    Reply
  111. Sir I am under low income group. Marrage status is single and my parents have expired. I want to construct new home. Am I eligible for home loan subsidy under pradhanmantri awas yojana??

    Reply
  112. Hi Admin,
    My total flat’s area is 1185sq ft(110.0901 sq mts) and I’m not sure if it is built up area or carpet area. I’ve taken the loan in March-17. My only concern is the area of the flat. Will it be eligible for this PMAY ?

    Reply
  113. dear sir my annual income is 4 lakh i purchached flat i got home loan of 7 lakh in vijay bank .on date 29/09/2016 at the time of loan sanctioning i asked them to consider my loan in the scheme of pmay CLSS they assured we sent documents for consideration to head office .know they told me u are not eligible for this only ladies can apply for this.so our bank rejected your purposal for this reason.so what can i do for this
    sir kindly give me the suggestion.

    thank u sir from karnataka

    Reply
  114. sir hum kiraye k ghar me rahte h aur is yojna ka labh lekar ghar banana chahte h par website open nahi ho rahi h aur biaora(rajgarh) me koi jan suvidha kendra samajh nahi aa raha h jahan se form bhare bataiye…….

    Reply
  115. sir hum rent par rahte h.aur is yojana ka labh lekar ghar banana chahte h par form bharne ki website open nahi ho rahi h aur biaora me koi place samajh nahi aa raha h kya kare bataiye

    Reply
  116. I am now working at China with annual salary of 15 lak. whether I am eligible for PMAY loans. Thanking you.

    Reply
  117. My annual income is 5.50 Lakh accordingly my salary slip, and I have purchase a flat in May-17 this flat size is 1234 SQFT super builtup area, and i have also taken loan from HDFC loan amount is 29 Lakh for 20 years, so please inform me i am eligible for PM Awas Yojana Loan Scheme 2017

    Reply
  118. I had booked a flat in Shahnkheshwar Township in 1 B H K scheme. Am I elegiblefor the PMAY scheme and how to apply for the same.

    Reply
  119. Dear sir
    My annual income is 398000. I bought a flat in appurtment flat area is 980sft.so I want to go home loan in CANFIN bank.so am I eligible for PMAY please suggest me thanks you

    Reply
  120. My loan is sanctioned in Feb-2015, Bank says i am not eligible for CLSS (Subsidy Scheme).
    How can i get the benefit of this Scheme.

    Reply
  121. Dear sir
    please inform the contact number in Kerala to know about this scheme.
    Iam lived in gramapanchayt I eligible for this scheme
    I want 6 lakh subsidy loan sir plz sent mgs in my mail

    yours fathifully

    Reply
  122. Dear Sir

    Mene affordable house k under SIgnature global se 350 squire ft ka 1bhk flat liya h, jiska alotment november-2016 me hua h or wo mere hi nam h,mene bank se 11.36 lacs ka loan liya hua h, meri annual income3.24 lacs h,kya mujhe PMAY ki subsidy milegi, bank bol rha h k isme apki wife ka nam hona jaruri hai. please btao me wife ka nam ab add krana chahta hu,

    Reply
  123. sir i want take loan 1000000 lac via pm awas yogna , sir i am govt employee my salary is 312000/- how can i get the loan from bank. send me the link and contact no .

    Reply
  124. Dear sir,
    Me and my brother booked 750sqft single flat through joint account.this is our first house .Both our annual income is 600000…Can we avail the subsidy benefits .Pls reply

    Reply
  125. Sir, I have done stamp duty registration on 29 Dec 2016 and disbursement on 8 Jan 2017, can I avail PMAY mig scheme. Pls confirm at the earliest.

    Reply
  126. Hi sir ,

    I have purchased a property 2 years back and accordingly taken a loan from ICICI bank. Now I am shifting my loan to other bank. My Annual Income is 14 Lakhs & Area is as per MIG 2 norms

    Am I eligible for the same.

    Regards

    Reply
  127. My Annual income falls below 5 Lacs & i have a Home loan of 14 Lakhs from Dec 2015.. Can anybody put some light on the matter if i can try for this scheme?

    Reply
  128. Actually SBI given the home loan 9%intrest…but as same interest 8.65% it’s not liked interest rate of PM awas yojana..how to happy for middle class people…middle class person 80% village they haves annual income maximum 1.5(or)2 lach and under employ(constable) annual income 3,5 lach in this category people which is beneficiary schemes available..any scheme given the category wise…

    Reply
  129. Sir, my annual income is 3 Lac per annum.. I have gifted property and 35 yr old tiled house.. So i want demolish old house and build new house in same property.. I need 1200000 loan from bank.. Please inform me am i eligible for pmay benifit…

    Reply
  130. My gross annual income is Rs.1 Lakh and i want to avail loan of Rs.5-6 lakhs.Will i be eligible for subsidy?If yes,then what will be my monthly installmets.Waiting for your reply sir

    Reply
  131. My age is 27 and my annual income is 132000.i want to buy a home in kerala under construction
    i want to apply for home loan can i eligible for this.

    Reply
  132. My annual income is 2,16,000 i am going to take home loan of 10,40,000 for 30 years. Area of flat is 666 Sq.Ft. Just wanted to know i am eligible or not?

    Reply
  133. My house plot is in the name of father and there is one house, Living father, mother and younger brother and family. I want to build another home in same plot. Can I apply this loan scheme in name of My father ?
    or in my name ? Property owner is father.
    please advice.

    Reply
  134. SIR I AM SELF EMPLOYED MY ANNUAL INCOME 300000/- IAM BY PROPERTY APRIL 2017 605 CARPET AREA AND I TAKE LOAN WITH HDFC RUPEES 150000/- 15 YEARS & PROPERTY REGISTERED ONE NAME ONLY (PRAMOD) SO I AM ELIGIBLE FOR SUBSIDY ?

    Reply
  135. Sir l am state govt employ my annual income 240000 “loan amount 900000. Sq feet 860. Subsidy eligible or not eligible apply next month

    Reply
  136. I am planning to buy a resale flat in under construction stage (Almost 65% work has done in this project). The owner is committing possession in March-2018 with taking consent from builder.
    I have confirmed from PLI(bank) that I am eligible in MIG Subsidy Scheme.
    My questions are as follows :

    1) Is this scheme is available for resale property ?
    2) Is this scheme is available for under construction resale property ? If Yes any limitation of Possession period ?
    3) If there is limitation of possession period, It will count from date of commencement of loan or construction start date ?

    Awaiting response.

    Thanks

    Reply
  137. My Annual income is 360000/- & i Choose 1 flat in Pune Around Rs 2900000/- Build up Area 605 Sq/Feet
    as well i will appling for loan Approximate rs 2500000/- can i get benifit against this scheme ?
    if yes how much ? What is MIG I, MIG II ?

    Reply
  138. My Annual income is 360000/- & i Choose 1 flat in Pune Around Rs 2900000/- Build up Area 605 Sq/Feet
    as well i will appling for loan Approximate rs 2500000/- can i get benifit against this scheme ?
    if yes how much ? What is MIG I, MIG II ?

    Reply
  139. Dear Sir Pradhan Mantri Awas Yojana Ye kab suru huva hamne to loan pahle liya tha hame bhi iska labh milna chahiye loan octo 16 me liya tha kya app bata sakte hai

    Reply
  140. I have borrowed a home loan from Bank of India in March,2016 but due to ECS and such another improper banking services I my home loan take over to SBI from BOI on March,2017 for Rs.12,85,000/ regarding CLASS Scheme I fully qualify to all criteria or conditions.I also certified that I haven’t taken interest subsidiary and any other benefits under prime minister awas scheme and such another schemes. I have applied to new PLI (SBI) to get benefit of interest subsidiary under CLASS for MIG l&ll scheme 2017 that notified 11-03-2017 but I haven’t taken interest subsidiary on my home loan what should be done to finds this scheme pl guide to me for ensure to find this advantage/ profit.?? .

    Reply
  141. Hi Sir i m parches home virar east this is my first house in mumbai my loan amount is 2155000/-rs Tata capital home loan & i m register the flat name Me & my wife name both are first house can you give me confirm i m eligible for PM yojana. My income is 4 Lac & my wife is house wife & i m flat parches is 15 NOv 2016 .

    Reply
  142. Hi Sir i m taken home virar west this is my first house in mumbai my loan amount is 215500/-rs & i m register the flat name Me & my wife name both are first house can you give me confirm i m eligible for PM yojana. My income is 4 Lac & my wife is house wife & i m flat parches is 15 NOv 2016 .

    Reply
  143. I want to purchase a plot of land which cost is 5lakh can i apply loan 6lakh for the same in pmay,will I be eligible to get subsidy,because if I purchase a plot then I won’t be able to built a house,my annual income is 6lakh,kindly reply

    Reply
  144. Dear sir. I want a home loan under pmay scheme. Which bank I go for take this loan. I have write it because allahabad bank denied to give me this scheme. Plz guide me which bank I go.

    Reply
  145. Please clarify, my annual income is 5.34 lak and we are purchasing a flat of 1095 sft. Are we eligible for this PMAY benefit ? Kindly respond asap.

    Reply
  146. Subsidy of interest ane aavs yojna na 2.20 lack bne ekj che k bne no alg labh mle??
    Atle dr mahine Emi pn ochu tay ne??
    Ane 2.20 loan ni mudl rakm pn gate??
    2 labh melvi skay??

    Reply
  147. Sir me privet company me job krata hu mera yearly income 1,62,000/- he kya muze lone mil sakata he kya . mil sakata he to kitana milega.

    Reply
  148. We bought our first house and applies for loan at hdfc 2 daya ago. It is 65 sq mt.our income is 4-5 lpa.are we eligible for clss mig scheme.
    Note:-my elder borther is earning and we both brother are unmarried.

    I saw on official website of hudco that “An adult earning member irrespective of marital status can be treated as a separate household in MIG category”

    What is meaning of above statement?
    Is it mean that we are mot eligible?
    Please clarify me.

    Reply
  149. sir, we, (husband and wife) both are in hp state govt. employees. My annual income is 6 lakh + and wife’s income is 4.5 lakh +.
    IN PMAY 2017,
    I) whether we both are eligible?
    2) if my wife takes the benefits of PMAY 2017, then I myself can take the home loan to build house at another place without taking benefit of PMAY 2017?
    3) Procedure of co-owner is compulsory in this yojna?

    Reply
  150. Sir iam working for hdb financial services my annual income would be 300000..I want to know whether iam I eligible or not..since I have own house I want loan for 500000..if iam eligible means let me know how can apply for it..

    Reply
  151. Where can I apply home loan? In the home agreement woman name mentioned is must? I can take home loan of RS.1119000 in November 2016, and my annual income is 230000. I am eligible for subsidy.

    Reply
  152. Hi Sir,

    I am Santosh. My salary is 11,00,000 per annum. I am appling for HL in April 2017. On 22nd we guidelines for CLSS MIG is received. I have gone through entire guidelines for CLSS MIG 1. But wen I visited to bank on 7th April Bank people are not aware of the Guidelines for MIG… So if I am applying now How I can get the benefit of this scheme as Banks are not aware of this scheme..

    Reply
  153. Boss i want constract 825sq feet house n my annul income 6lakhs im IT filing in last 2years until april so hw can i use thz plan favorable ? Plz help me

    Reply
  154. Boss my annul income below 6lakhs n im pay it also im nw looking 825sq feet house hw to apply for mr modiji aawasyojna plan plz help me 9629712738

    Reply
  155. when we apply for this scheme, interest rate is normal as without scheme or higher then normal interest rate ? now normally interest rate is 8.50 to 8.70 %, when we take loan with that scheme interest rate will be same or higher then it…

    Reply
  156. I am in MIG 1 .MY SUPER BUILT UP AREA IS 1365 SQ FT. MY INCOME IS BELOW 13 LAKH. MY HOME LOAN SANCTIONED ON 30 JAN2017. AM I ELIGIBLE FOR PMAY

    Reply
  157. I have taken Maxgain home loan from sbi in January 2017. Bank says that I can not get subcidy due to maxgain home loan. Is it true?

    Reply
  158. My Income is 11lakh and I want to buy flat with carpet area 1250sqft.Can I eligible for pmay scheme for home loan interest subcidy?

    Reply
  159. Sir mera Survey I’d generate ho chuka hai, ab kya krna hoga mujeh?

    Or Loan ki Emi kya hogi?
    Plz give me instruction .

    Reply
  160. I have 2 Plots attached togather, One of 800 Sqft & other of 6085 Sqft(Total 1485 sqft). My Annual Income is 450000. In order to benefit from PMAY can I get Loan for both plots or for a single one. I actually want to build house on both Plots combined, what should I do ?

    Reply
  161. dear sir i am live in Durgapur and my lone requirement is 18 lac .but my anual income is 3 lac so what ammount can i give subsidy by pmay .my flat area is 925 sq.ft.

    Reply
  162. If we apply for this scheme, interest rate is normal as without scheme or higher then normal interest rate ? now normally interest rate is 8.50 to 8.70 %, when we take loan with that scheme interest rate will be same or higher then it…

    Reply
  163. Sir I taken 24 lack in 2016 now I have to transfer to lic and also top up loan .my annual income is 5 lack.area is 20×40

    Reply
  164. please suggest me ….can i iligible for PM AVAS YOJNA….HOME LOAN 12,00,000/- in MARCH 2015….ANNUAL INCOME 4LACKS,HOME AREA..815sq.ft. total…

    Reply
  165. when we apply for this scheme, interest rate is normal as without scheme or higher then normal interest rate ? now normally interest rate is 8.50 to 8.70 %, when we take loan with that scheme interest rate will be same or higher then it…

    Reply
  166. My annual income is 12.80 Lakh ruppes. Have booked a flat this month. I am going to apply for house loan of 35 lakhs for a 50 lakh flat. Am i eligible for PMAY.

    Reply
  167. when we apply for this scheme, interest rate is normal as without scheme or higher then normal interest rate ? now normally interest rate is 8.50 to 8.70 %, when we take loan with that scheme interest rate will be same or higher then it…

    Reply
  168. My age is 25 and my income is 1,80,000/- annual.

    in this scheme govt give home in india or loan for home or my selection from both options.

    Reply
  169. Can i eligible. My monthly income is 15000/- nd my father is farmer and the income from aggriculture is 5000/- per month. We have a semi pucca home in haryana which is totally open . the area of home 150sq feet . Tell me am eligible for this.

    Reply
  170. Sir , I sold my home in nov. 2016, which was on loan and it’s all paid when sold, now i purchase new home and want to take loan on it, am i eligible for subsidy ?

    Reply
  171. i took a loan for 2542000 in march 2017 and my annual income is 900000 lakhs will i be eligible for the subsidy?
    home area is 1162 Sq.ft

    Reply
    • Your home areas comes under the 12-18 Lakh income bracket but your income is less than that, if the carpet area is below 968 square feet, you can avail 4% subsidy on home loan in as per your current income. If your total household income is more than 12 Lakh then you can get a subsidy of 3% for a carper areas of up to 1180 Sq. ft.

      Reply
  172. Please give me a reply i m in brahmin samaj i apply for loan 20 lacs my age is 26 and i apply for loan february 2017 can i eligible for this? ?

    Reply
  173. Mere pass apna home nhi h ,m rent pr r rhta hu, or pvt. Job kerta hu income h 200000 per annual,
    Kya m b loan le sakta hu play m

    Reply
  174. Sir my income below 5 lakh and I am govt employ . I want home loan 10 lakh . Please reply me . Mujhe scheme ka labh milega ya nahi . CAN FIN se home loan k liye apply kiya h aur bank wala bol raha h ki abhi koi notification nahi aaya h . Please sir guide me.

    Reply
  175. Plot area 948 sq.feet and build up is 1297 sq.feet income is 600000/-year 2200000/- loan lets hai to subsidy ka labh mil shakata hai

    Reply
  176. Dear Sir,

    Main Ek chota se village se belong karta hu meri Anual income hai 144000 Mera Disst Faizabad me hai mughe 300000 chahiya kripa karke mughe bataiya .

    Reply
  177. Hi,

    i have been doing rounds of my lending Bank SBI but they are saying that they are not aware of any such scheme.

    Please guide how to avail the subsidy.

    Regards
    Gaurav Jain

    Reply
  178. I have taken a HL in Aug 16,for 22 lakhs, but it’s under moratorium period now, and only 2.6 lakhs have disbursed till now, so am I able for the subsidy under new scheme or not?

    Also suggest if I close this loan now and apply a fresh loan, then in in this case am I able for the subsidy under new scheme or not?

    Reply
  179. i took a loan for 3000000 in march 2017 and my annual income is 6.30 lakhs will i be eligible for the subsidy?
    home area is 960 Sq.ft

    Reply
  180. DEAR SIR
    I HAVE A 30*50=1500 SQ FT PLOT SIZE BUT IN GOVT MUNICIPAL CORPORATION ALLOW 75% (1125) SQ FT CONSTRUCTION AND I AM IN 5 LAC PA INCOME GROUP SO CAN I AM ELIGIBLE FOR SUBSIDIZED LOAN

    Reply
  181. Hi I bought a house in the year sept 2016 and availed 40 lac loan and my income is below 12 lacs pa. I’m aware that I’m not eligible for PM awas yojana loan however I would like to know is there any chance that I can get any other benefits under backward class category.

    Reply
  182. Hi,
    my loan amount is 11,40,000/- from India bulls, in March-17, but they did not provide us the PMAY Scheme, they told me one of applicant or co-applicant should b ladies, i m unmarried.
    So i m not eligible for the said scheme. My annual Income After Tax is approx 6 Lakh.

    Reply
  183. I need a loan of around 25 lac for 20 years & my annual income is 7 lac. How much amount can be subsidized.
    Please reply

    Reply
  184. Dear Sir, i have taken home loan of 30 lacs from HDFC BANK in MAY’2016,But second disbursement of 5,00,000 given in march’2017. am i eligible for the subsidy ?? my family income also not more than 10 lacs.
    property carpet area 1120 sqft.

    Reply
  185. Sir me 360000 /year ka income
    He me 105/MTR ka plot dekha hu to mujhe construction + purchasing me like kina highly loan mil sakta he.or mujhe subsidy bhi mil jaye…thank you…

    Reply
  186. sir my Indian army me service kharata hua. mera 370000 annual income hai. subsidy loan Ka jarurat hai sir . mera proferty seaway no me hai.

    Reply
  187. IF I want a loan of 20 lakh and can it be subsidized or not .
    My income is below 6 lakhs and not applied for it till now.
    Please suggest in this case.

    Reply
  188. Hi Sir,

    I want to know that i have taken a home loan of 1500000 in can fin homes for 20yrs in the year 2014, will i be eligible for the PMAY. My annual income is 4 lac.

    Will this yojana will be for only Nationalized bank or even private bank.

    Kindly let us know

    Reply
  189. sir i purchase one flat 810 vergfeet area…i got loan in hdfc bank on 1200000/-twelve lakh n march-2017, so kya main is scheme ka benifit pa skta hu pl tell me

    Reply
  190. Hello Sir,

    I have availed a loan of 13 lakh in 2013 in a co-operative Bank which is not in Primary Lending institution list. Am i still eligible?

    or Can i transfer the loan to the other bank listed for subsidy?Please guide

    Reply
  191. I have taken a flat on loan in 2011 and now I have sold it and want to purchase a New Flat… There is no other home on my name…

    May I eligible for PMAY 2017 or not?

    Reply
  192. SIR I PURCHAGE 2 BHK FLAT IN 810 SQ FEET IN MARCH-17,PL TEELL ME I M IN BENIFIT THIS SCHEME I M GOT A LAON IN 1200000 TWELVE LAKH IN HDFC BANK…PL TELL ME

    Reply
  193. Sir aapse mujhe a jankari chahiye ki pm aawas yojna k antargat jo ham loan le rhe h usme jo plot rhega o NIT k rool se rhna chahiye ya bina nit vala plot kyoki sir g 9-10 lacks ka to sirf NIT clears plot hi milta h to to kitne mai plot lege or kitne mai ghar bnayege

    Reply
  194. PRADEEP KUMAR -My annual income is about 10 lakh and my plot size is 40*35=1400 square feet I want to know I am eligible or not

    Reply
  195. Sr I need the loan. Bt we already took a home loan from govt before 7 yrs bt it doesn’t fully constructed.so this loan to reconstruct the home. I’m i eligible for the pmay? Plz tell me

    Reply
  196. Sr I need the loan. Bt we already took a home loan from govt before 7 yrs bt it doesn’t fully constructed.so this loan to reconstruct the home. I’m i eligible for the pmay? Plz tell me

    Reply
  197. Sir mera Survey I’d generate ho chuka hai, ab kya krna hoga mujeh?

    Or Loan ki Emi kya hogi?
    Plz give me instruction .

    Reply
  198. My annual income is 10 lakh,wanted to build house in rural area,works under central govt.Am I eligible.I have not applied for loan yet.please reply soon

    Reply
    • You are eligible for the scheme but subsidy would be provided for a loan of up to maximum 6 Lakh in your case, rest 7 Lakh would be not subsidized and maximum tenure is 20 years

      Reply
  199. I take a home loan for the month of February 2017 and i want to PM housing loan interest rate subsidy. so i request you to please give me advise and proper instruction
    .

    Reply
  200. I applied for a house loan from pnb, but they told I am not eligible for pmay. My annum income is 5,28,000/- so My house area will be 60sq/mtr, but I choose a apartment 824sq/ft so it for I am not able under pmay. Plz tell me how could benefit for this oppertunity. My contact no is 8981491270. Thanku

    Reply
    • As per your income and area of apartment, you are eligible for the PMAY loan subsidy scheme but only if you applied for the loan in 2017. The scheme guidelines were out only on 22nd March, the banks might not have any information about these, please contact them once again

      Reply
  201. Is it applicable only to NEW Loans – Or the existing loans processed after 1 Jan 2017 can also take this benefit. Please give clarity on the same.

    Reply
  202. 2011ke jangadana mai hamara nam nahi hai mai kya karu mujhe 150 lakh chahiye sar kya karu dhandh karna chahata hu

    Reply
  203. Please let me know if I am eligible or not. My income group under 12lac per annum. My loan amount is 29lac and tenure is 20years. Loan taken June 2016. Property is 720 square feet.

    Reply

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