The Credit Linked Subsidy Scheme (CLSS) for Middle Income Group (MIG) is a Central Sector initiative under the Pradhan Mantri Awas Yojana (Urban) launched by the Ministry of Housing and Urban Affairs (MoHUA). The scheme offers interest subsidies on home loans for the acquisition, construction, or repurchase of houses for middle-income families. Aimed at supporting India’s growing urban population, CLSS for MIG ensures easier access to affordable housing with essential infrastructure.

Highlights of the CLSS for the MIG Scheme

Benefits

The CLSS for MIG offers direct interest subsidies, reducing the effective home loan amount and monthly EMIs. Below are the detailed benefits:

• The subsidy is credited upfront to the beneficiary’s loan account.

• Additional loan beyond the eligible subsidy amount is charged at non-subsidized rates.

• Eligible homes must include basic infrastructure: water, toilet, road, electricity, and sanitation.

Eligibility Criteria

To qualify for the CLSS for MIG:

• The beneficiary family must not own a pucca house in any part of India.

• The family should not have availed of central assistance under any other housing scheme.

• A beneficiary family includes a husband, wife, and unmarried children.

• An adult earning member, even if unmarried, is considered a separate household.

• Income Groups:

  • MIG-I: ₹6,00,001 to ₹12,00,000

  • MIG-II: ₹12,00,001 to ₹18,00,000

Preference is given to:

• Women (especially widows and single working women)

• SC/ST/OBC communities

• Persons with disabilities

• Transgender individuals

Application Process

Here check the Step-by-Step Offline Application Process of CLASS MIG:

1. Visit a participating bank or housing finance company linked with PMAY.

2. Collect and fill out the CLSS application form.

3. Submit the filled form along with the required documents to the lender.

4. Loan processing and disbursement is carried out by the bank.

5. The bank initiates subsidy claims with designated Central Nodal Agencies (CNAs).

6. Once verified, the interest subsidy is credited to your loan account, reducing EMIs.

Primary Lending Institutions (PLIs) include:

• Scheduled Commercial Banks

• Housing Finance Companies

• Regional Rural Banks

• Urban & State Cooperative Banks

• Small Finance Banks

• NBFC-MFIs

How to Track CLSS Application Status

1. Visit the CLAP Portal (CLSS Awas Portal).

2. Use your Application ID to access the CLSS Tracker.

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

4. Track all stages of your application: green for completed, blue for in-process.

5. View complete disbursement details including dates and subsidy amounts.

Documents Required

Applicants must submit the following documents:

1. Aadhaar Card (self and family members)

2. PAN Card

3. Address proof

4. Income proof (ITR/salary slips)

5. Bank account details

6. Property documents (sale agreement, title deed)

7. Any additional documents as requested by the lender

Central Nodal Agencies (CNAs)

The following CNAs are authorized to channel the subsidy and oversee the scheme’s execution:

• National Housing Bank (NHB) – 1800-11-3377 / 1800-11-3388

• Housing and Urban Development Corporation (HUDCO) – 1800-11-6163

• State Bank of India (SBI) – 1800-11-2018

These agencies disburse subsidies to PLIs and monitor overall progress.

Frequently Asked Questions (FAQs)

Q: What is CLSS for MIG?
A: It is a government-backed subsidy scheme offering interest benefits on housing loans for middle-income families.

Q: What are the income norms for MIG categories?
A: MIG-I: ₹6–12 lakh/year, MIG-II: ₹12–18 lakh/year.

Q: When was CLSS for MIG launched?
A: The scheme was initiated on January 1, 2017.

Q: How is the interest subsidy credited?
A: It is directly credited to the beneficiary’s loan account, reducing the outstanding loan amount.

Q: Can unmarried earning adults apply?
A: Yes, they are treated as separate households and are eligible if they meet income norms.

Q: Are there loan tenure restrictions?
A: Subsidy applies to loans with a maximum of 20 years.

Q: Is resale or repurchase allowed under the scheme?
A: Yes, loans for repurchase of homes are also eligible under CLSS.

Q: Are NRIs eligible?
A: No, the scheme is intended for Indian citizens only.

Q: Is there any preference for vulnerable sections?
A: Yes, priority is given to women, SC/ST/OBC, PwDs, and transgender persons.

Q: Is State Government approval needed for private developers?
A: No specific approval is required, but housing units must meet eligibility criteria.

Sources & References

• CLSS Awas Portal (CLAP)

• Ministry of Housing and Urban Affairs

• CLSS MIG Leaflet PDF

• CLSS Subsidy Guidelines