About this housing scheme
The Credit Linked Subsidy Scheme helps Middle Income Group families in India get housing loans with an interest subsidy. The official listing gives no last date, so check the official portal for the current status before applying. Eligible families can receive subsidies based on their income levels.
The Credit Linked Subsidy Scheme for Middle Income Group (MIG) aims to support families in acquiring or constructing homes. It is managed by the Ministry of Housing and Urban Affairs.
This scheme provides interest subsidies on housing loans for families with specific income levels. It is designed to make housing more affordable.
Since its launch on January 1, 2017, the scheme has been helping families secure loans from banks and housing finance companies. It addresses the housing needs of urban residents.
Benefits at a glance
| Scheme name | Credit Linked Subsidy Scheme for Middle Income Group (CLSSMIG) |
|---|---|
| Launched by | Ministry Of Housing & Urban Affairs |
| Launch year | 2017 |
| Benefit | 20 years |
| Benefit type | In kind (goods, services or support, not cash) |
| Category | Housing |
| Level / State | Central · All India |
| Official portal | pmayuclap.gov.in (link at the end of this page) |
Key facts
| Scheme type | Central Sector Scheme |
|---|---|
| Implementing agency | National Housing Bank, Housing And Urban Development Corporation And State Bank Of India |
| Scheme for | Family |
| Application mode | Offline |
| Last date | Not given in the official listing |
| DBT (direct bank transfer) | No |
| Loan Tenure | 20 years |
| Interest Subsidy for MIG-I | 4% |
| Interest Subsidy for MIG-II | 3% |
| Helpline Numbers | NHB: 1800-11-3377, HUDCO: 1800-11-6163, SBI: 1800-11-2018 |
| Family income limit | Up to Rs. 18 lakh per year |
Who can apply (quick check)
- 👤All genders
- 🎂Age 18 to 80 years
- 🏘️Urban
- 💰Income Rs. 18 lakh tak
- 📝Offline
Quick check from official data. Full conditions are in the Eligibility section.
What you receive
- Interest subsidy of 4% for MIG-I (annual income Rs. 6,00,001 to Rs. 12,00,000) on loans up to Rs. 9,00,000.
- Interest subsidy of 3% for MIG-II (annual income Rs. 12,00,001 to Rs. 18,00,000) on loans up to Rs. 12,00,000.
- Eligibility for carpet area of 160 sq. mts. for MIG-I and 200 sq. mts. for MIG-II.
The interest subsidy is credited to the loan account upfront, reducing the effective loan amount and monthly installments.
Who qualifies
- Must be a resident of an urban area.
- Age must be between 18 and 80 years.
- Annual household income should not exceed Rs. 18,00,000.
- Applicant must not own a pucca house anywhere in India.
- Must not have received central assistance under any housing scheme from the Government of India.
Who is not eligible
- Those who own a pucca house in their name or family member's name.
- Families who have already availed benefits from other central housing schemes.
Papers to keep ready
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Registration walkthrough
- Visit a participating bank or financial institution.
- Collect and fill out the application form.
- Submit the completed form along with required documents to the lender.
- After verification, the loan amount will be credited to your bank account.
- The lender will process the interest subsidy after loan disbursement.
To check the application status, visit the CLAP Portal and enter your Application ID. An OTP will be sent to your registered mobile number to verify and view the application stages.
Important dates
| Launch / start | 01 Jan 2017 |
|---|
Real-life examples: are you eligible?
A quick way to gauge your eligibility: find the profile nearest to yours.
Every case differs. Confirm your eligibility on the official portal before applying.
- Not providing complete documents can lead to rejection.
- Applying without checking income limits can result in disqualification.
- Failing to submit the application through a participating lender can cause delays.
- Incorrectly filling out the application form can lead to processing issues.
- Not being aware of the housing ownership rule may lead to ineligibility.
Frequently asked questions
Who can apply for the scheme?
Families with an annual income between Rs. 6,00,001 and Rs. 18,00,000 can apply.
What is the maximum loan amount?
The maximum loan amount for interest subsidy is Rs. 9,00,000 for MIG-I and Rs. 12,00,000 for MIG-II.
How is the interest subsidy paid?
The subsidy is credited to the loan account upfront, reducing the principal amount.
Can I apply if I already own a house?
No, you must not own a pucca house anywhere in India.
Is there a specific application deadline?
The official listing gives no last date, so check the official portal for the current status before applying.
What happens if my construction is stalled?
If construction is not completed within 36 months, the subsidy must be refunded.
Is there any preference in the application process?
Yes, preference is given to women, SC/ST/OBC individuals, and persons with disabilities.
What if I need help during the process?
You can contact the helpline numbers of the National Housing Bank, HUDCO, or SBI.
Submit your application yourself on the official portal; it costs nothing. Treat anyone demanding money to "get you approved" as a scam.
- Official Website pmay-urban.gov.in
- CLSS- MIG- Leaflet mohua.gov.in (PDF)
- CLSS Awas Portal (CLAP pmayuclap.gov.in
- Guidelines pmay-urban.gov.in (PDF)
- CLSS Subsidy Calculator pmayuclap.gov.in
tsmpb.in is not affiliated with any government department. Apply only on the official portal and never pay anyone for an application.
Drafted with AI tools from the official listing. Every number and date is checked automatically against the official text; confirm the details on the official portal before applying.
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