PMAY Credit Linked Subsidy Scheme (CLSS) - EWS Housing
Primary Lending Institution:Ministry of Housing and Urban Affairs (MoHUA)
Central interest subsidy of 6.5% on home loans up to ₹6 Lakh for Economically Weaker Section urban households.
This loan requires the property to be in a statutory town or approved urban planning area — self-constructed rural properties outside statutory limits are strictly ineligible. Beneficiary family must not own a pucca house anywhere in India.
What is PMAY Credit Linked Subsidy Scheme (CLSS) - EWS Housing?
Central government interest subvention facility under Pradhan Mantri Awas Yojana - Urban (PMAY-U) providing an upfront lump-sum interest subsidy of 6.50% credited directly to the borrower's loan account.
Key Benefits & Features
Up to ₹2,67,280 upfront interest subsidy credited to principal; substantial EMI reduction; female head of household ownership mandate ensuring gender equity; valid for construction or purchase.
6.50% upfront interest subsidy on principal up to ₹6 Lakh (Max subsidy ₹2.67 Lakh)
Property & Project Eligibility Requirements
Dwelling unit carpet area up to 30 sq.m; located in urban areas notified under 2011 Census or statutory planning authorities; property title with female ownership.
Borrower Eligibility Criteria
Annual household income up to ₹3,00,000; carpet area of house must not exceed 30 sq. metres; female adult must be sole or co-owner of the property unless no adult female member in family.
How to Apply (3 Verified Paths)
Apply through home lending bank branch or CNA portal (HUDCO, NHB, SBI) with PMAY application ID.
Apply through any scheduled commercial bank or housing finance company portal, selecting PMAY-U CLSS subsidy check.
Visit nearest PSU/Private bank branch with Aadhaar, income certificate, and property layout documents.
Documents Required Checklist
Aadhaar cards of all family members, Income certificate from Tehsildar/SDM or Form 16, Affidavit of not owning a pucca house in India, Property title deed and approved construction map.
Frequently Asked Questions
What is the maximum subsidy amount under PMAY CLSS EWS?
The maximum upfront interest subsidy is ₹2,67,280, calculated at a net present value (NPV) discount rate of 9% over a 20-year loan tenure on the eligible ₹6 Lakh principal slab.
Is female co-ownership mandatory for PMAY CLSS EWS?
Yes, statutory guidelines mandate that the house must be registered in the name of the female head of the family or in joint ownership with the male spouse.
Can I apply if I already own a concrete house elsewhere?
No. The beneficiary family (husband, wife, and unmarried children) must not own a pucca house in any part of India to be eligible for CLSS.
How is the subsidy amount disbursed?
The Central Nodal Agency (CNA) releases the subsidy directly to the lending institution, which credits it upfront to the borrower's loan account, reducing the outstanding principal and monthly EMI.