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.
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
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.
You can also track the status of your PMAY subsidy by the following methods:
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
You can also get in touch with an officer present at your local municipality for more details regarding your PMAY status.
You can visit the CLSS Awas portal to check your PMAY UCLAP subsidy status. Here are the five stages of this process:
Generate application ID
PLI’s due diligence
Upload claim on the Central Nodal Agency Portal
Subsidy claim approval
Subsidy release to PLI
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 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 |
Calculating PMAY subsidy will help you in better understanding of this scheme. For convenience, you can make use of a PMAY subsidy calculator.
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.
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.
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.
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.
One of the primary benefits of this scheme is that it allows subsidy on home loan, which makes purchasing a house convenient and affordable.
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.
Typically, you will get approval on your application in 3-4 months.
Yes, you will receive an SMS stating your application status through the CLAP website.
Yes, slum dwellers are eligible to avail Rs.1 Lakh per house under this scheme.
No, you cannot avail the benefits of PMAY twice.
Under the CLSS subsidy, eligible individuals can avail home loan at a subsidised interest rate, depending on the category they fall in.
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