प्रधानमंत्री आवास योजना सीएलएसएस - एलआईजी आवास ऋण
ऋण प्रदाता बैंक / संस्थान: Ministry of Housing and Urban Affairs (MoHUA)
Central interest subsidy of 6.5% on home loans up to ₹6 Lakh for Low Income Group households earning ₹3L–₹6L.
🏠उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
PMAY-U interest subsidy category for Low Income Group households earning ₹3 Lakh to ₹6 Lakh annually, providing 6.50% subvention on housing loans.
प्रमुख लाभ एवं विशेषताएं
Up to ₹2,67,280 upfront interest relief; enables construction or purchase of larger homes up to 60 sq.m; mandatory female ownership protection.
📋पात्रता मानदंड एवं संपत्ति आवश्यकताएं (Eligibility & Property Rules)
आवेदक की पात्रता शर्तें
Annual household income between ₹3,00,001 and ₹6,00,000; carpet area up to 60 sq.m; female ownership mandatory for new purchase.
संपत्ति एवं तकनीकी शर्तें
Carpet area up to 60 sq. metres; urban master plan approved project; statutory building clearances.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment Terms)
Zero prepayment penalties on floating rate loans
📂आवश्यक दस्तावेज (Required Documents)
Income certificate or ITR / Form 16, Aadhaar cards of family, Self-declaration of no pucca house, Title deed and municipal approval.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
This loan requires the property to be in an approved society/project — self-constructed rural properties outside urban statutory authority master plans are strictly ineligible.
🚀आवेदन के चरण (How to Apply)
Submit PMAY application claim with your home loan account number at your home branch.
Apply on bank website with PMAY subsidy box checked, supplying Aadhaar and income proof.
Submit home loan application along with PMAY affidavit at any scheduled commercial bank or HFC.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the carpet area limit for PMAY CLSS LIG?
The dwelling unit carpet area must not exceed 60 square metres (approx. 645 sq. ft.) to qualify for LIG interest subsidy.
Can the total home loan exceed ₹6 Lakh?
Yes. The borrower can avail a loan of any amount (e.g. ₹25 Lakh), but the 6.5% interest subsidy is strictly calculated on the first ₹6 Lakh of the loan principal.
Can self-employed individuals apply for CLSS LIG?
Yes, self-employed individuals with annual gross business income between ₹3 Lakh and ₹6 Lakh supported by ITR or revenue authority certificates are fully eligible.
Is there an age limit for PMAY CLSS?
The primary applicant must be at least 21 years of age, and loan maturity is capped at age 70.