• First-time home buyer (no pucca house anywhere in India)
• Annual income: EWS < Rs 6L · LIG Rs 6-12L · MIG-I Rs 12-18L · MIG-II Rs 18-25L
• Carpet area: EWS 30 sqm · LIG 60 sqm · MIG 90/110/120 sqm
• Indian citizen, age 18+

Interest subsidy 3-6.5% on home loan up to Rs 6L (EWS/LIG), Rs 9L (MIG-I), Rs 12L (MIG-II). Subsidy capped at Rs 2.30L (EWS/LIG) / Rs 2.35L (MIG-I) / Rs 2.30L (MIG-II). Credited to your loan account, reducing EMI.

1. Verify eligibility — pmay-urban.gov.in → Beneficiary Details Viewer. Confirm income + first-home status.
2. Apply via bank during home loan — Banks process CLSS automatically when sanctioning home loan. Apply directly to bank.
3. Bank sends claim to Central Nodal Agency — NHB/HUDCO process the subsidy.
4. Subsidy credited to loan account — Reduces principal outstanding; EMI drops accordingly.
5. Track via PMAY portal — pmay-urban.gov.in → Track Your Application Status with Aadhaar.

• Aadhaar
• Income certificate
• First-home affidavit
• Sale deed / Agreement to Sell
• Bank loan sanction

Full document checklist: Documents required for pmay application

90-180 days from bank submission to subsidy credit. Bank tracks through CNA dashboard.

• Official portal: pmay-urban.gov.in
• Helpline: PMAY Urban Helpline: 011-23060484
• Track status: How to check status
• Step-by-step apply guide: How-to-apply walkthrough

• CLSS not credited despite approval — bank delay; follow up with bank or CNA via SLBC.
• Income proof under-matches eligibility — submit fresh income certificate from Tehsildar.
• Already owns property elsewhere — disqualifies; surrender or correct affidavit.
• PMAY 1.0 vs 2.0 confusion — applications post September 2024 use PMAY 2.0 norms.

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

1. Status of my application no. _____ dated _____ as on date.
2. Name + designation of dealing officer assigned to my file.
3. Reasons for delay beyond the statutory timeline.
4. Copy of any noting / movement of my file in the past 30 days.
5. Likely date of disbursement / decision.

Auto-fill the PIO + your case: Open the AI RTI Drafter →

More schemes for you: All msme entrepreneurs schemes

No — CLSS works only via banks/HFCs taking the home loan. They are the application channel.

No — exempt under Section 10(15A) of Income Tax Act.

PMAY 2.0 launched September 2024 with revised income limits + new urban poor categories.

File RTI to CNA (NHB/HUDCO). Use AI RTI Drafter.

• All 150 Sarkari Yojanas
• 25 status-check guides
• 30 documents-required checklists
• 25 how-to-apply guides
• 16 rejection-recovery guides
• 10 audience-hub schemes
• 32 helplines + grievance routes
• Full RTI Playbook

• Official portal: pmay-urban.gov.in
• Issued by: Ministry of Housing & Urban Affairs
• Launched: 2015
• Citizen feedback via %%AwaazRTI%% (composite, identifying details removed)

Last reviewed: 26 April 2026.