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The Pradhan Mantri Awas Yojana is a special scheme that is aimed to benefit first-time homebuyers. As part of the scheme, beneficiaries can avail a PMAY subsidy on the home loan interest rate. Claiming the PMAY subsidy under the scheme is simple as long as your income and the home carpet area norms fit the requirement.

How to Check PMAY Subsidy Status Online

To check the PMAY subsidy status online, you need to follow these steps:

  • Step 1: Visit the official PMAY website

  • Step 2: Following this, you will receive two options to track your assessment status. Choose the one that best suits you

PMAY Subsidy Status Check by Aadhaar Number

You can also check your PMAY subsidy through your Aadhaar number. To check your PMAY status using the Aadhaar card, follow these steps:

  • Step 1: Visit the official PMAY website and click on the ‘Search Beneficiary’ option listed against the main menu.

  • Step 2: Next, click on ‘Search by name’ before entering your Aadhaar number.

  • Step 3: Upon entering the Aadhaar number, you can view the status of your PMAY application.

Upon following these steps, you will get your Pradhan Mantri Awas Yojana status.

How to Check PMAY Subsidy Status Offline

You can also track the status of your PMAY subsidy by the following methods:

1. Via toll-free number

If you have any doubt in relation to CLSS, you can contact National Housing Bank (NHB) or Housing and Urban Development Corporation (HUDCO).

Here are their contact numbers:

NHB: 1800-11-3377, 1800-11-3388

HUDCO: 1800-11-6163

2. Via local authority

You can also get in touch with an officer present at your local municipality for more details regarding your PMAY status.

How to Check PMAY UCLAP Subsidy Status Online

You can visit the CLSS Awas portal to check your PMAY UCLAP subsidy status. Here are the five stages of this process:

  1. Generate application ID

  2. PLI’s due diligence

  3. Upload claim on the Central Nodal Agency Portal

  4. Subsidy claim approval

  5. Subsidy release to PLI

How to Track Applications on CLSS Tracker

To track your application through CLSS tracker, follow these steps:

  • Step 1: Visit the PMAY UCLAP website

  • Step 2: Click on application ID on the home page and then click on get status

  • Step 3: Enter the OTP you received on your registered mobile number

Upon doing so, you will receive your application status.

CLSS Performance Table in PMAY Subsidy

CLSS allows interest subsidy on home loans taken out by eligible urban poor (EWS/LIG) for the purchase, construction, or improvement of a house.

 

Household income (in Rs.)

Carpet area (in sq. m.)

Interest subsidy (in %)

Max. loan tenure

Loan amount

Discounted NPV rate

Upfront subsidy amount (in Rs.) (for 20-year loan)

Approx monthly savings (in Rs) (at an interest rate of 10%)

EWS

Up to 3 Lakhs

30

6.5

20 years

6,00,000

9%

2,67,280

2,500

LIG

3 – 6 Lakhs

60

6.5

20 years

6,00,000

9%

2,67,280

2,500

MIG I

6 – 12 Lakhs

160

4

20 years

9,00,000

9%

2,35,068

2,250

MIG II

12 – 18 Lakhs

200

3

20 years

12,00,000

9%

2,30,156

2,200

 

How to Calculate PMAY Subsidy

Calculating PMAY subsidy will help you in better understanding of this scheme. For convenience, you can make use of a PMAY subsidy calculator.

Who Can Apply for PMAY Subsidy

People belonging to the economically weaker sections of the society can apply for PMAY subsidy. This also includes light income group, medium income group 1 and medium income group 2.

How to Check if Your PMAY Subsidy is Credited into Your Home Loan Account

You can proceed with PMAY status check by visiting the CLSS Awas portal at https://pmayuclap.gov.in/ and following these steps:

  • Step 1: Navigate to the CLSS tracker and enter your PMAY application ID

  • Step 2: After clicking on get status, you will receive an OTP on your registered mobile number. Enter it and you will be able to check whether your PMAY subsidy is credited in the home loan account or not.

Credit Linked Subsidy Scheme: Explained

The Credit Linked Subsidy Scheme (CLSS) is one of the four inclusions of the Pradhan Mantri Awas Yojana-Urban (PMAY-U) that provides interest subsidies on home loans availed by eligible individuals of the Economically Weaker Section (EWS) and Low-Income Group (LIG) for the purchase/re-purchase or construction of houses, as well as for incremental housing.

Features of CLSS

Here are the features of this scheme:

  • The Pradhan Mantri Awas Yojana (PMAY) scheme is only available if the loan amount is up to Rs 6 Lakhs.

  • The maximum subsidy available is Rs. 2.67 Lakhs.

  • This scheme is only available to applicants looking to buy or build a home.

  • Any amount in excess of 6 Lakhs will not be eligible for a subsidy.

  • The applicants are only eligible for PMAY home loan subsidy if they do not own a 'pucca' house in India, either in their own name or in the name of any member of their family.

  • If a beneficiary family has previously received central assistance from the Government of India under any housing scheme, he/she will be unable to benefit from this scheme.

Benefits of CLSS

One of the primary benefits of this scheme is that it allows subsidy on home loan, which makes purchasing a house convenient and affordable.

FAQs on PMAY Subsidy Status

✔️How can I follow-up on the PMAY subsidy application status?

To follow up on your PMAY status, you need to visit the official https://pmayuclap.gov.in/ website and navigate to track your assessment status. Enter your mobile number and assessment ID to proceed.

✔️How many days will it take to get the PMAY subsidy?

Typically, you will get approval on your application in 3-4 months.

✔️Does the CLAP software send SMS to PMAY applicants?

Yes, you will receive an SMS stating your application status through the CLAP website.

✔️ Can the PMAY help residents in slum areas?

Yes, slum dwellers are eligible to avail Rs.1 Lakh per house under this scheme.

✔️Can I apply for PMAY twice?

No, you cannot avail the benefits of PMAY twice.

✔️How does subsidy in PMAY CLSS work?

Under the CLSS subsidy, eligible individuals can avail home loan at a subsidised interest rate, depending on the category they fall in.