In 2025, the Credit Linked Subsidy Scheme (CLSS) under the Pradhan Mantri Awas Yojana (Urban) continues to make affordable housing a reality for lakhs of Indian families. Eligible beneficiaries from EWS (Economically Weaker Section), LIG (Low Income Group), and MIG (Middle Income Group) categories can receive a home loan subsidy of up to ₹2.67 lakh, directly reducing the loan burden. Today we will discuss how you can apply for the PMAY CLSS scheme and avail of the ₹2.67 lakh subsidy in 2025. So stay tuned with us till the end.
Key Highlights of 2.67 Lakh Subsidy Scheme
• Scheme Name: Credit Linked Subsidy Scheme (CLSS)
• Under: Pradhan Mantri Awas Yojana – Urban (PMAY-U)
• Subsidy Amount: Up to ₹2.67 lakh
• Applicable To: EWS, LIG, MIG-I, MIG-II
• Interest Subsidy: 3% to 6.5% depending on income group
• Loan Tenure: Up to 20 years
• Official Website: pmay-urban.gov.in
Benefits of CLSS Home Loan Subsidy 2025
• Subsidy up to ₹2.67 Lakh credited directly to the loan account
• Lower EMIs due to reduced principal loan amount
• Interest Rate Subsidy:
- 6.5% for EWS and LIG (loan up to ₹6 lakh)
- 4% for MIG-I (loan up to ₹9 lakh)
- 3% for MIG-II (loan up to ₹12 lakh)
• Inclusive Coverage of urban poor, middle-income families, and women applicants
• Encourages early homeownership with long-term savings
Eligibility Criteria
To apply for CLSS under PMAY 2025, you must meet the following;
1. Income Categories:
• EWS: Annual income up to ₹3 lakh
• LIG: Annual income between ₹3 lakh and ₹6 lakh
• MIG-I: Annual income between ₹6 lakh and ₹12 lakh
• MIG-II: Annual income between ₹12 lakh and ₹18 lakh
2. Other Requirements:
• The beneficiary family should not own a pucca house in any part of India.
• The applicant or any family member should not have availed housing benefits from any government scheme.
• Women’s ownership is mandatory in EWS and LIG categories.
Step-by-Step Application Process
1. Check Eligibility
Ensure your income and family status fit under the EWS, LIG, MIG-I, or MIG-II categories.
2. Visit the PMAY-U Official Website
Go to the Citizen Assessment Section of the official portal: pmay-urban.gov.in
3. Enter Aadhaar Details
Provide your Aadhaar number for identity verification. This is mandatory to proceed.
4. Fill the Application Form
Enter personal, income, and housing details. Submit valid contact information and select your income category correctly.
5. Submit the Application
Review and submit the completed form. Save the application number for future reference.
6. Apply for a Home Loan
Contact any PMAY-empanelled bank or housing finance institution to apply for a loan under CLSS.
7. Submit Required Documents
Provide your application number, along with: • Aadhaar card
• Income proof
• Identity and address proof
• Property-related documents
• Bank account details
8. Subsidy Processing
The bank will verify your documents and forward your case to the Central Nodal Agency (CNA). Once approved, the subsidy amount (up to ₹2.67 lakh) will be credited directly to your loan account, reducing your principal and EMI.
List of Empanelled Banks & Housing Finance Companies
Some major institutions under CLSS include:
• State Bank of India (SBI)
• HDFC Ltd
• ICICI Bank
• LIC Housing Finance
• Bank of Baroda
• Punjab National Bank (PNB)
• Axis Bank
• Canara Bank
• IDFC First Bank
(Check the PMAY portal for the full updated list)
Frequently Asked Questions (FAQs)
Q: Who can avail the ₹2.67 lakh subsidy?
A: Beneficiaries under the EWS, LIG, MIG-I, or MIG-II categories who meet the eligibility criteria.
Q: How will I receive the subsidy?
A: The subsidy is directly transferred to your loan account by the bank, reducing the outstanding principal.
Q: Can I apply offline?
A: Yes, you can also apply through banks or Common Service Centres (CSCs) if you’re not comfortable online.
Q: Is Aadhaar mandatory for CLSS?
A: Yes, Aadhaar is compulsory for identity verification and application approval.
Q: Can I get the benefit if I already own a house?
A: No, the scheme is only for those who do not already own a pucca house.
Final Words
The CLSS under PMAY 2025 is a golden opportunity for aspiring homeowners to ease their financial burden through a government-backed interest subsidy. With proper documentation and a simple online application process, you could save up to ₹2.67 lakh on your home loan.
Apply today and take a step closer to owning your dream home.
For More Information & Application: Official Website – PMAY (Urban)
