PMAY Home Loan Subsidy Scheme 2023 (CLSS) for EWS / LIG – Complete Details

Home Loan Credit Linked Subsidy Scheme 2023 (CLSS) under Pradhan Mantri Awas Yojana - Urban (PMAY-U) available for EWS & LIG category people, know the subsidy amount, interest rates & how to apply
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PMAY Home Loan Subsidy Scheme 2023 for EWS / LIG Category: Pradhan Mantri Awas Yojana home loan subsidy scheme for EWS (Economically Weaker Section) and LIG (Lower Income Group) 2023 is available. Under the new scheme, the government is now offering the housing loan for up to 20 years instead of 15 years as per the previous guidelines. The government has also introduced CLSS for MIG and the previous CLSS component would be called CLSS for EWS / LIG category people.

Under the PMAY CLSS for EWS/LIG, beneficiaries of Economically Weaker Section (EWS) and Low Income Group (LIG) seeking housing loans from Banks, Housing Finance Companies and other such institutions would be eligible for an interest subsidy at the rate of 6.5 % for a tenure of 20 years or during tenure of loan whichever is lower. PM Awas Yojana Mission with all its components has become effective from the date 17 June 2015 and will be implemented upto 31 March 2022.

Salient Features of PMAY Home Loan Subsidy Scheme for EWS/LIG 2023

  • The credit linked subsidy will be available only for loan amounts upto Rs 6 lakhs and additional loans beyond Rs. 6 lakhs, if any, will be at non-subsidized rate.
  • Interest subsidy will be credited upfront to the loan account of beneficiaries through Primary Lending Institutions (PLI), resulting in reduced effective housing loan and Equated Monthly Installment (EMI).
  • The Net Present Value (NPV) of the interest subsidy will be calculated at a discount rate of 9 %.
  • The houses constructed/acquired with central assistance under the Mission should be in the name of the female head of the household or in the joint name of the male head of the household and his wife, and only in case when there is no adult female member in the family, the house can be in the name of male member of the household.
  • All Statutory Towns as per Census 2011 and towns notified subsequently, including planning area as notified with respect to Statutory Town.

Loan Amount / Interest Subsidy / Tenure in PMAY Home Loan Subsidy Scheme

Maximum loan amount: as per eligibility of customer decided by bank / Financial Institution based on due diligence
Maximum loan tenure: based on the guidelines of the PLI
Maximum tenure for subsidy computation: 20 years or the tenure of the loan, whichever is lower
Maximum loan amount for subsidy calculation: Rs. 6 lakh
Interest rate for subsidy: 6.5%

PMAY Home Loan Banks Under CLSS for EWS/LIG

Loan AmountLoan Amount eligible for SubsidyInterest SubsidyBalance LoanInitial EMI @10%Reduced EMI after credit-ing the SubsidyMonthly savingsAnnual Savings
PMAY EWS/LIG Home Loan Subsidy

Eligibility for CLSS for EWS/LIG

  • Beneficiary family will comprise husband, wife and unmarried children.
  • 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.
  • EWS Households having annual income up to Rs. 3,00,000/-
  • LIG Households having annual income between Rs. 3,00,001/- and upto Rs.6,00,000/-
  • Preference under the scheme, subject to beneficiaries being from EWS/LIG segments, should be given to Manual Scavengers, Women (with overriding preference to widows), persons belonging to Scheduled Castes/ Scheduled Tribes/ Other Backward Classes, Minorities, Persons with disabilities and Transgender.

PMAY Housing Loan Subsidy Scheme Guidelines

CriteriaExisting Instructions(CLSS – EWS +LIG)Revised Instructions (CLSS – EWS +LIG)
Household/ Annual Income (Rs)Upto Rs. 6 lakhsUpto Rs. 6 lakhs
Property Area (Carpet Area)30/60 sqm30/60 sqm
Location17778 towns17778 towns
Woman OwnershipYes (except for construction)Yes (except for construction)
Max Loan Amt for SubsidyUpto 6 lakhsUpto 6 lakhs
Subsidy %6.50%6.50%
Subsidy AmountRs. 2.20 lakhsRs. 2.67 lakhs
Max term of loan (on which subsidy will be calculated)15 yrs20 yrs
Property should be Family’s1st home1st home
ApplicabilityLoans approved on/after 17/06/2015Loans approved on/after 01/01/2017
PMAY Housing Loan Subsidy Scheme for EWS / LIG

The detailed guidelines of the CLSS for EWS/LIG scheme are available at below link

Area which can be constructed in PMAY Home Loan Subsidy Scheme

Carpet area of house being constructed or enhanced under CLSS component of the PMAY Home Loan Subsidy Scheme should be upto 30 square meters for EWS category and upto 60 square meters for LIG category. For incremental housing/extension, the area limit will be 30 and 60 of carpet area for EWS and LIG category respectively.

Credit linked subsidy would be available for housing loans availed for new construction and addition of rooms, kitchen, toilet etc. to existing dwellings as incremental housing. The PMAY Home Loan Subsidy Scheme beneficiary, at his/her discretion, can build a house of larger area but interest subvention would be limited to first Rs. 6 lakh only.

More details about the PMAY home loan subsidy scheme for EWS/LIG under CLSS component can be found on the official website of the Ministry of Housing and Urban Poverty Alleviation at

Central Government Govt Schemes 2023Popular Schemes in Central Government:प्रधानमंत्री आवास योजना 2023Pradhan Mantri Awas YojanaPM Awas Yojana Gramin (PMAY-G)

88 thoughts on “PMAY Home Loan Subsidy Scheme 2023 (CLSS) for EWS / LIG – Complete Details”

  1. Sir
    Me govt. Employer hu. Meri income 390000 lakh have. Mene apni wife ke name makan liya h. Or lichfl se wife ke hi name 1700000 lakh. Loan 05/02/2017 ko Liya h.tenure 50*20=1000 SQ FT H. Kya hame PMAY SUBSIDY KA LABH mil sakta h. Agar mil sakta h to hame kya karna hoga.
    Plz batayen.

  2. sir yeh pradhan mantri aavas yojona home loan ka subsidy kaide milega…..plz sir reply me…my mob no is 9950330007 hum garib BPL family walo ko koi labh dijiye jisse hum apna karja chuka sake
    bhankrota jaipur 302026
    75 new kharda colony
    mob no 9950330007


  3. Sir my Arvind kumar jharkhand distric chatra ka rahne wala hu sir mera ghar me jab brsat aata hai to bahut dekat hota hai sir plice home loan chahiye sir

  4. sir yeh pradhan mantri aavas yojona home loan ka subsidy kaide milega…..plz sir reply me… mob no is 9088725359.

  5. sir yeh pradhan mantri aavas yojona home loan ka subsidy kaide milega…..plz sir reply me…my mob no is 9088725359.

  6. Dear Sir,
    maine PMAY ka form bhara hai, aur ab maine apna ghar lene ke liye bank se loan liya hai, aur maine PMAY Subsidy ke liye cusotmer care se baat ki thi , KYC documents ke saath bank visit kare ,but bank yeh benefit provide nahi kar raha, plz help- Bank DHFL

  7. Dear sir

    please sanction the runa mafi or any personal loan subsidy loan a/c because ,

    i am middle class problems in all the sides,family burden &

  8. Helo sir mera nam pankaj h mai nagpur se hu app ne pradan mantri lone nikala h wo accha h lekin is ka fyda garib ko nahi ho raha h bank ke hisab se is lone ke liye RTR hona jaruri h wo bhi 3 sal ka lekin jo garib h wo kha se layga plz reply me and help me

  9. plan is very gud but rules are difficult ie,road banks are not ready to give loans without roads and other facilities,poor peoplehave land but they have not road connection to the land so avoid dat type of rules and help poor people sir

  10. Sir am ajay bharti from lucknow sir p.l.z rahne ke liye ghar nahi he bus ghar Mil jaye to apaar kripa Hogi sir ap ki bus it na hi sir my no.7860306253

  11. স্যার আমি ত্রিপুরা সরকারের এক জন নিম্ন শ্রেণীর কর্মচারী, আমার মাসিক বেতন মাত্র 5000 হাজার টাকা ।আমি কী ঐ স্কীমের অংশীদারি হতে পরব ।
    অনেক ব্যাঙ্কের দরজায় গিয়েছিলাম কিন্তু নিরাস হয়ে ফিরে আসতে হল আমাকে ।বেতন কম বলে কোন ব্যাঙ আমাকে হোম লোন দেয় নি ।

  12. mohitkumarmishra says:
    Your comment is awaiting moderation.
    April 10, 2017 at 8:18 am
    AadaharCard bank lone
    Bigness ke liye plz
    Meri maddat Karo
    Shree Prdhan mntri narendr modi ji Hum
    Loge bahut garib hi
    My phone no. 980707642.9621476936

  13. AadaharCard bank lone
    Bigness ke liye plz
    Meri maddat Karo
    Shree Prdhan mntri narendr modi ji Hum
    Loge bahut garib hi

  14. सर में गर्म शाहनगर पोस्ट हल्दौर जी बिजनोर का रहने वाला हु सर हमारा मकान कचचा ह जव बरसा होती ह तो बहुत दिक्कत आती ह सर हम वहुत कोसिस करते ह पर कोई मकान नही बनवाता सर अगर आप हमारी मद्त करो सरजी एक बार आपने अधिकारी को भेजो दत्त मेरे पापा बेमार रहते ह सर हमारी मद्दत करो रस जी मोवाइल नवर 8192922473 पापा का मोवाइल नवर 9634176733

  15. I want a house or a flat under pmay yojana l have two daughters my husband suffering with hypertension and diabetes lam a group c government employee my salary not sufficient please help me for own a house under pmay yojana

  16. I am having Plot Loan from DHFL with Loan amount 573000
    can we apply for pmay subsidy in existing Plot Loan ?

  17. sir mai primary school or mere pariwar ki halat acchhi nhi hai hamara pariwar ka purana kaccha makan hai jo sayukt hai.mai us makaan ko banbana chahata hu to kya mujko usy banany ky liy lone milsakta hai..kya nhi..ager miljaay to sir aapki bahut bahut kripa hoga…

  18. Sir I am live in tripura, my mantly salary sirf 5000. I am a s.p.o.of tripura government. Give me 6 lake home lone.

  19. Sir, I am live in rural area.I am a prymari techer in wb.I want to a house lone 6 lack under pradhan mantri away yojana.plese help me.

  20. Sir


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