प्रधानमंत्री आवास योजना सीएलएसएस - एमआईजी-I आवास ऋण
ऋण प्रदाता बैंक / संस्थान: Ministry of Housing and Urban Affairs (MoHUA)
4% interest subvention on home loans up to ₹9 Lakh for Middle Income Group families earning ₹6L–₹12L.
🏠उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Middle Income Group I (MIG-I) category under PMAY-U providing 4% interest subvention for families with annual income between ₹6 Lakh and ₹12 Lakh.
प्रमुख लाभ एवं विशेषताएं
Up to ₹2,35,068 upfront principal deduction; carpet area allowance up to 160 sq.m (approx. 1,722 sq. ft.); spouse joint application accepted.
📋पात्रता मानदंड एवं संपत्ति आवश्यकताएं (Eligibility & Property Rules)
आवेदक की पात्रता शर्तें
Annual household income ₹6,00,001 to ₹12,00,000; carpet area up to 160 sq.m; no pucca house owned by applicant or family.
संपत्ति एवं तकनीकी शर्तें
Carpet area up to 160 sq.m; residential approval from local town planning authority; RERA registered project where applicable.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment Terms)
Zero prepayment penalties on floating rate home loans
📂आवश्यक दस्तावेज (Required Documents)
Form 16/ITR-V for last 2 years, Bank statements for last 6 months, Aadhaar cards, Property title and municipal sanction plan.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)
This loan requires the property to be in an approved society/project — self-constructed rural properties often ineligible. All adult family members' Aadhaar details verified against national housing registries.
🚀आवेदन के चरण (How to Apply)
Request PMAY MIG-I documentation checklist from loan account manager.
Apply online at partner bank portal selecting PMAY MIG-I subsidy category.
Submit home loan application along with salary slips/ITRs and property sale agreement at lending bank.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum subsidy under MIG-I?
Under MIG-I, the maximum interest subsidy credited upfront is ₹2,35,068 calculated on ₹9 Lakh principal at a 9% NPV discount rate.
What is the carpet area permitted under MIG-I?
The carpet area permitted is up to 160 square metres (approximately 1,722 square feet).
Is female ownership mandatory in MIG-I?
Unlike EWS and LIG categories, female ownership is optional for the MIG categories, although highly encouraged.
Can married children living with parents apply separately?
An adult earning child (whether married or unmarried) is considered a separate household, provided they do not own a pucca house in their name.