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+{{htmlmetatags>
+metatag-keywords=(pmay urban, pmay u, clss subsidy, pmay 2.0, urban housing scheme)
+metatag-description=(Credit-Linked Subsidy Scheme (CLSS) — 3-6.5% interest subsidy on home loan up to Rs 6 lakh for first home buyers. PMAY 2.0 launched September 2024.)
+}}
+====== PMAY-Urban (PMAY-U 2.0) — interest subsidy on home loan up to Rs 6L ======
+{{:social:auto:yojana-pmay-urban.png?direct&1200 |PMAY-Urban (PMAY-U 2.0) — interest subsidy on home loan up to Rs 6L — RTI Wiki}}
+<WRAP info>
+**Interest subsidy 3% to 6.5% on home loan up to Rs 6 lakh for EWS / LIG / MIG-I / MIG-II first-home buyers.**
+**Launched:** 2015  ·  **Issued by:** Ministry of Housing & Urban Affairs
+</WRAP>
+===== Who is eligible =====
+  * 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+
+===== What you get =====
+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.
+===== How to apply (step-by-step) =====
+  - **Verify eligibility** — pmay-urban.gov.in → Beneficiary Details Viewer. Confirm income + first-home status.
+  - **Apply via bank during home loan** — Banks process CLSS automatically when sanctioning home loan. Apply directly to bank.
+  - **Bank sends claim to Central Nodal Agency** — NHB/HUDCO process the subsidy.
+  - **Subsidy credited to loan account** — Reduces principal outstanding; EMI drops accordingly.
+  - **Track via PMAY portal** — pmay-urban.gov.in → Track Your Application Status with Aadhaar.
+===== Documents needed =====
+  * Aadhaar
+  * Income certificate
+  * First-home affidavit
+  * Sale deed / Agreement to Sell
+  * Bank loan sanction
+**Full document checklist:** [[:documents:pmay-application|Documents required for pmay application]]
+===== Timeline =====
+-180 days from bank submission to subsidy credit. Bank tracks through CNA dashboard.
+===== Portal + helpline =====
+  * **Official portal:** [[https://pmay-urban.gov.in|pmay-urban.gov.in]]
+  * **Helpline:** PMAY Urban Helpline: 011-23060484
+  * **Track status:** [[:check-status:pmay-status|How to check status]]
+  * **Step-by-step apply guide:** [[:how-to-apply:pmay-housing|How-to-apply walkthrough]]
+===== Common issues =====
+  * 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.
+===== Benefit delayed or rejected? File an RTI =====
+Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
+<code>
+. Status of my application no. _____ dated _____ as on date.
+. Name + designation of dealing officer assigned to my file.
+. Reasons for delay beyond the statutory timeline.
+. Copy of any noting / movement of my file in the past 30 days.
+. Likely date of disbursement / decision.
+</code>
+**Auto-fill the PIO + your case:** [[:rti-for-pmay-status|Open the AI RTI Drafter →]]
+**More schemes for you:** [[:audience:msme-entrepreneurs|All msme entrepreneurs schemes]]
+===== Frequently asked questions =====
+==== Can I apply directly without a bank? ====
+No — CLSS works only via banks/HFCs taking the home loan. They are the application channel.
+==== Subsidy taxable? ====
+No — exempt under Section 10(15A) of Income Tax Act.
+==== PMAY-U closed in March 2022. What about now? ====
+PMAY 2.0 launched September 2024 with revised income limits + new urban poor categories.
+==== CLSS delayed > 180 days? ====
+File RTI to CNA (NHB/HUDCO). Use AI RTI Drafter.
+===== Summary + next step =====
+<WRAP center round tip 90%>
+**Bottom line:** Interest subsidy 3% to 6.5% on home loan up to Rs 6 lakh for EWS / LIG / MIG-I / MIG-II first-home buyers. Apply at **pmay-urban.gov.in**. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
+  * **Apply now:** [[https://pmay-urban.gov.in|pmay-urban.gov.in]]
+  * **Step-by-step guide:** [[:how-to-apply:pmay-housing|Apply walkthrough]]
+  * **Documents needed:** [[:documents:pmay-application|Required documents]]
+  * **Track existing application:** [[:check-status:pmay-status|Status check]]
+  * **If delayed — RTI Drafter:** [[:rti-for-pmay-status|File RTI in 5 minutes]]
+  * **Browse all 150 yojanas:** [[:yojana:start|Sarkari Yojana index]]
+</WRAP>
+===== Related =====
+  * [[:yojana:start|All 150 Sarkari Yojanas]]
+  * [[:check-status:start|25 status-check guides]]
+  * [[:documents:start|30 documents-required checklists]]
+  * [[:how-to-apply:start|25 how-to-apply guides]]
+  * [[:rejection-recovery:start|16 rejection-recovery guides]]
+  * [[:audience:start|10 audience-hub schemes]]
+  * [[:helplines:start|32 helplines + grievance routes]]
+  * [[:citizen-rti-playbook|Full RTI Playbook]]
+===== Sources =====
+  * Official portal: pmay-urban.gov.in
+  * Issued by: Ministry of Housing & Urban Affairs
+  * Launched: 2015
+  * Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html|%%AwaazRTI%%]] (composite, identifying details removed)
+//Last reviewed: 26 April 2026.//
+{{tag>yojana sarkari-yojana pmay-urban}}