How to Check PMAY Subsidy Status - Pradhan Mantri Awas Yojana Application Status

The Pradhan Mantri Awas Yojana (PMAY) aims to promote homeownership in both rural and urban areas by enabling individuals to build or purchase a pucca house. The government offers financial assistance through a PMAY subsidy, making it easier for eligible beneficiaries to achieve their dream of owning a home.

Designed to benefit first-time homebuyers, PMAY provides this subsidy on home loan interest rates. You can claim this subsidy effortlessly, provided your income and the carpet area of the house meet the specified criteria. Once you apply, it is important to regularly check your PMAY application status to stay informed about the progress and any next steps.

The primary objective of the Pradhan Mantri Awas Yojana Application Status is to enable beneficiaries to track and verify the progress of their applications. This ensures a seamless and convenient way to monitor updates online.

The Pradhan Mantri Awas Yojana (PMAY) has 4 main parts, each designed to meet different housing needs:

1. In-Situ Slum Redevelopment (ISSR)

This part helps people living in slums by providing them with proper, permanent houses. The aim is to replace slum areas with better housing and facilities.

2. Beneficiary-led Individual House Construction (BLC)

This is for people who already own land but need money to build or improve their houses. The government offers financial help for construction or repairs.

3. Credit Linked Subsidy Scheme (CLSS)

This helps people who want to buy, build, a house by offering a subsidy on home loan interest rates. It is useful for middle-income families, economically weaker sections (EWS), and low-income groups (LIG).

4. Affordable Housing in Partnership (AHP)

This part is for families who don’t own land and cannot afford a home loan. Houses are built under this scheme with the help of the government and private builders, making them affordable for these families.

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.

The PMAY subsidy comes with several advantages to make home ownership more affordable for you:

• You can enjoy a lower interest rate on your home loan, which reduces your monthly EMI

• The subsidy helps owning a house more affordable, especially for first-time buyers

• Whether you belong to EWS, LIG, or MIG categories, you can benefit from the scheme based on your income group

• You can repay the loan over a longer period, up to 20 years, easing your financial stress

• Women applicants and co-owners are given priority under the scheme

• Special benefits are available for differently-abled individuals, senior citizens, and economically weaker communities

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

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

       

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’

    

1. Enter your Assessment ID and mobile number and click on ‘Submit’

    

1. Visit the PMAY scheme’s ‘Search Beneficiary’ page https://pmaymis.gov.in/open/Find_Beneficiary_Details.aspx

2. Enter your Aadhaar number and click on ‘Show’

    

Your details and application status will be displayed on the page.

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 (Credit Linked Subsidy Scheme) Awas Portal (CLAP) is a web-based real-time monitoring system designed for CLSS beneficiaries and other stakeholders. It operates under the Credit Linked Subsidy Scheme, a central sector initiative of the Pradhan Mantri Awas Yojana (Urban).

This scheme comes with interest subsidies on home loans through Central Nodal Agencies (CNAs) and Primary Lending Institutions (PLIs) to beneficiaries in the LIG, EWS, and MIG categories for constructing, purchasing, or enhancing homes. Previously, there was no mechanism to track applications or monitor the process. To address this gap, the Ministry of Housing and Urban Affairs (MoHUA) developed CLAP after consulting relevant stakeholders.

The platform integrates stakeholders, including MoHUA, CNAs, PLIs, beneficiaries, and citizens, ensuring transparency. It allows beneficiaries to track their application status using a unique ID, starting from submission to subsidy disbursement. The system also sends SMS alerts at every stage of the process.

CLAP simplifies processes like Aadhaar verification and de-duplication, which are now conducted during application submission at PLIs. Additionally, it streamlines application verification, timely subsidy release, and disbursement while reducing inconsistencies. The software is crucial for maintaining transparency and ensuring an efficient subsidy delivery process.

Applications for this subsidy are processed through Primary Lending Institutions (PLIs), such as banks or housing finance companies, and tracked online using the CLSS Awas Portal (CLAP) portal.

Here’s how you can check your home loan subsidy status:

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 through CLSS tracker, follow these steps:

1. Visit the PMAY UCLAP website 

2. Click on application ID on the home page and then click on get status

3. Enter the OTP you received on your registered mobile number

The Credit Linked Subsidy Scheme (CLSS) provides an interest subsidy on home loans for eligible urban poor, including individuals from the Economically Weaker Section (EWS) and Low-Income Group (LIG).

This subsidy can be used for the purchase, construction, or improvement of a house, making housing more affordable for those in need.

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) is one of the four inclusions of the Pradhan Mantri Awas Yojana-Urban (PMAY-U) that provides interest subsidies on home loans taken 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.

Here are the features of this scheme:

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

• The maximum subsidy available is ₹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

• 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

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