PMAY Status Check 2026: Track Your PMAY Application and Subsidy Online

Your primary objective when checking PMAY application status is to track and verify the progress of your housing request online. This allows you to stay informed about approvals, pending actions, and next steps without visiting government offices.

By using the official PMAY portals, you can monitor your beneficiary status in a transparent and convenient manner.

The Pradhan Mantri Awas Yojana (PMAY) is implemented through four key components. Each component addresses a specific housing requirement:

• In‑Situ Slum Redevelopment (ISSR)

If you live in an identified slum area, this component helps you receive a permanent house. Existing slums are redeveloped using land as a resource, while ensuring eligible residents are rehabilitated.

• Beneficiary‑Led Individual House Construction (BLC)

If you already own land, you can receive financial assistance to construct or improve your house. This component supports new construction as well as enhancement of existing homes.

• Credit Linked Subsidy Scheme (CLSS)

If you plan to buy or construct a house using a home loan, you may be eligible for an interest subsidy under CLSS. Eligibility depends on your income category and applicable government guidelines at the time of application.

• Affordable Housing in Partnership (AHP)

If you do not own land and cannot afford market‑rate housing, you may receive a home built through partnerships between government agencies and private developers. These projects are aimed at eligible urban beneficiaries.

Note: PMAY benefits and subsidy availability depend on the scheme component and the date of application approval. New subsidies may not be available under all components.

To apply for the PMAY scheme, you must meet the following conditions:

• You or your family should not own a pucca (permanent) house anywhere in India
  

• You should not have received any housing benefit from a government scheme before
  

• Your family includes yourself, your spouse, and your unmarried children
  

• Your annual household income should fall within one of these categories:
  

  • Economically Weaker Section (EWS): Income up to ₹3 Lakhs
    

  • Low Income Group (LIG): Income between ₹3 Lakhs and ₹6 Lakhs
    

  • Middle Income Group I (MIG-I): Income between ₹6 Lakhs and ₹12 Lakhs
    

  • Middle Income Group II (MIG-II): Income between ₹12 Lakhs and ₹18 Lakhs
    
    

• If you belong to the EWS or LIG group, you will need to provide proof of income
  

• Priority is given to women, senior citizens, differently-abled individuals, and those belonging to SC, ST, or OBC categories

You can apply for the PMAY scheme under different categories based on your income and housing needs:

• EWS/LIG Application

If your household income is up to ₹6 Lakhs, you can apply under the Economically Weaker Section (EWS) or Low Income Group (LIG) categories.

• MIG-I and MIG-II Application

For households with an annual income between ₹6 Lakhs and ₹18 Lakhs, you can apply under the Middle Income Group (MIG-I or MIG-II) categories.

• Slum Dwellers Application

If you currently live in a slum, you can apply under the In-Situ Slum Redevelopment (ISSR) category to receive a better, permanent house.

If you are eligible, the PMAY subsidy offers several advantages:

• You may benefit from reduced interest costs on your home loan, which lowers your overall repayment burden

• The scheme improves housing affordability for first‑time homebuyers

• Benefits are available across EWS, LIG, and eligible MIG categories, subject to prevailing rules

• Loan repayment tenure is offered as per lender terms, which may extend up to 20 years

• Women beneficiaries and joint owners are given preference

• Additional support is available for senior citizens, persons with disabilities, and socially weaker sections

You can also track the status of your PMAY subsidy by the following methods and understand how to track PMAY subsidy status:

1. Visit the PMAY website page https://pmaymis.gov.in/Track_Application_Status.aspx
   

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

   1. By Name, Father's Name and Mobile No
      

   2. By Assessment ID

PMAY Subsidy Status Check With Name, Father's Name And Mobile Number

You can use this method if your Assessment ID is not available, as the system allows you to track status using basic applicant and location details.

1. Enter your details, including your state, district, and city name
   

2. Provide your name, your father’s name, and your mobile number
   

3. Click on ‘Submit’

PMAY Subsidy Status Check With Assessment ID

You can use this option if you have your Assessment ID. Here are the steps:

1. Enter your Assessment ID and mobile number
   

2. Click on ‘Submit’

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.

If you have any complaints or issues related to your PMAY subsidy, you can also write to the concerned authorities through the following mail IDs:

National Housing Bank (NHB):

• Email ID: clssim@nhb.org.in
  

• Toll-Free Number: 1800-11-3377, 1800-11-3388

Housing and Urban Development Corporation (HUDCO):

• Email ID: hudconiwas@hudco.org
  

• Toll-Free Number: 1800-11-6163

The CLSS Awas Portal (CLAP) is a web‑based monitoring system developed by the Ministry of Housing and Urban Affairs (MoHUA). You can use it to track the status of previously sanctioned home loan subsidy applications under the Credit Linked Subsidy Scheme (CLSS) of Pradhan Mantri Awas Yojana (Urban).

CLAP integrates stakeholders such as MoHUA, Central Nodal Agencies (CNAs), Primary Lending Institutions (PLIs), and beneficiaries. Its primary role is to ensure transparency in subsidy processing and allow you to monitor application progress from submission to disbursement.

Earlier, beneficiaries had no single digital system to track subsidy claims. CLAP was introduced to bridge this gap by providing real‑time visibility into verification, approval, and credit stages.

The portal also enables:

• Status tracking using a unique application ID

• SMS alerts at key stages of processing

• Streamlined identity verification and de‑duplication during loan processing

Note: CLAP supports status tracking only. New applications for interest subsidy under CLSS are currently not open. You can use CLAP only if your subsidy was sanctioned earlier.

If your CLSS subsidy was sanctioned earlier, your application is processed through a Primary Lending Institution (PLI) such as a bank or housing finance company and tracked through CLAP.

You can monitor your subsidy status as follows:

1. Visit your chosen bank or housing finance company, which is listed as a PLI under PMAY
   

2. Submit your application with all required documents, including proof of income, Aadhaar card, and property details
   

3. Your unique ID is created
   

4. Once accepted, you’ll receive a unique Application ID
   

5. The PLI verifies your documents and eligibility
   

6. Your subsidy claim is uploaded to the Central Nodal Agency (CNA) by the PLI
   

7. The CNA reviews and approves the claim
   

8. The approved subsidy amount is transferred to your PLI, reducing your home loan balance

To track your application status online, follow these steps:

1. Visit the official CLAP portal

2. Select the option to check status using your application or claim ID

3. Enter the OTP sent to your registered mobile number

4. View the current status of your subsidy processing

The Credit Linked Subsidy Scheme (CLSS) provided interest subsidies on home loans to eligible urban beneficiaries from EWS, LIG, and MIG categories. These benefits were applicable only to sanctioned applications during the scheme’s active period.

Subsidy amounts, interest rates, carpet area limits, and savings figures depended on scheme guidelines applicable at the time of sanction. These values are not uniform, guaranteed, or applicable to new applications in 2026.

The time taken for PMAY subsidy approval and credit varies for each applicant and depends on document verification, processing by your lending institution, and approval by the concerned nodal agency. If your subsidy was sanctioned under the Credit Linked Subsidy Scheme (CLSS) during its active period, the amount is credited to your home loan account only after all checks are completed. Since there is no fixed government‑announced timeline, you should track updates through the official PMAY or CLAP portals and follow up with your bank or housing finance company for accurate status updates.

To understand your benefits under the PMAY scheme, you can calculate the subsidy amount based on your loan details. The easiest way to do this is by using an online PMAY subsidy calculator. It gives you instant results by considering your loan amount, tenure, and income category.

Individuals from Economically Weaker Sections (EWS), Low-Income Groups (LIG), and Middle-Income Groups (MIG-I and MIG-II) are eligible to apply for the PMAY subsidy.

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

1. Navigate to the CLSS tracker and enter your PMAY application ID
   

2. After clicking on get status, you will receive an OTP on your registered mobile number
   

3. Enter it and you will be able to check whether your PMAY subsidy is credited in the home loan account or not

The Credit Linked Subsidy Scheme (CLSS) was a component of Pradhan Mantri Awas Yojana – Urban (PMAY‑U) that provided interest subsidies on home loans to eligible beneficiaries. You could avail this subsidy if your loan was sanctioned during the scheme’s active period and you met the prescribed income and housing conditions.

Under CLSS, interest subsidy was credited upfront to the home loan account through lending institutions, thereby reducing the outstanding loan balance. As of 2026, CLSS is not open for new applications, but beneficiaries who were sanctioned earlier can still track their subsidy status.

If your CLSS subsidy was approved in the past, you can track its status through the CLSS Awas Portal (CLAP).

You can do this by:

• Visiting the official CLAP portal

• Using your application or claim ID

• Verifying your identity through an OTP sent to your registered mobile number
   

The portal shows each stage of processing, including claim submission, approval, and credit to your loan account.

To check your PMAY or CLSS subsidy status online, you may need the following details:

• PMAY application ID or claim ID

• Registered mobile number (for OTP verification)

• Aadhaar number, if you are using beneficiary search options

• Basic loan or applicant details, as recorded by your lending institution
   

No physical document upload is required for online status checks.

The key features of CLSS, as applicable during its operational period, included:

• Interest subsidy applied only on a portion of the approved home loan, not the full loan amount

• Subsidy eligibility limited to specified income groups, such as EWS, LIG, and eligible MIG categories

• Subsidy credited upfront to reduce the effective loan burden

• Applications routed through Primary Lending Institutions (PLIs) and monitored by Central Nodal Agencies (CNAs)

• One‑time benefit available only if the beneficiary had not availed housing assistance earlier
   

Important clarification: Loan limits, subsidy amounts, and interest rates varied based on the guidelines in force at the time of sanction and are not applicable to new applicants in 2026.

When the scheme was active, CLSS offered the following benefits to eligible beneficiaries:

• Reduced effective home loan liability through upfront interest subsidy

• Improved housing affordability for first‑time urban homebuyers

• Transparent processing through banks and government‑monitored systems

• Easier tracking of subsidy status through the CLAP portal
   

As of now, these benefits apply only to beneficiaries who were sanctioned earlier under CLSS.

If you need assistance with your PMAY application, subsidy status, or portal‑related issues, you can contact the official Pradhan Mantri Awas Yojana (Urban) helpline channels managed by the Ministry of Housing and Urban Affairs (MoHUA).

You can reach PMAY‑Urban support through the following contact details:

• Helpline numbers:

  011‑23060484

  011‑23063620

  011‑23063567

  011‑23061827

• Email support:

  pmaymis-mhupa@gov.in
   

These helpline numbers are intended for queries related to PMAY‑Urban, including application status, subsidy tracking, and grievance redressal.

Note: For issues related to home loan processing or subsidy credit delays, you should first contact your bank or housing finance company, as they act as the Primary Lending Institution under PMAY.