Executive Summary:
The Ministry of Housing and Urban Affairs (MoHUA) addresses questions regarding the Credit Linked Subsidy Scheme (CLSS) for the Middle Income Group (MIG) in Tamil Nadu under the Pradhan Mantri Awas Yojana-Urban (PMAY-U). The CLSS aimed to provide interest subsidies to eligible urban beneficiaries. The scheme concluded for MIG on March 31, 2021, and for EWS/LIG on March 31, 2022.
Key Points / Main Content:
CLSS Implementation and Timeline:
* PMAY-U, launched on June 25, 2015, aims to provide pucca houses with basic amenities to eligible urban beneficiaries through four verticals, including CLSS.
* CLSS for MIG ended on March 31, 2021, and CLSS for EWS/LIG ended on March 31, 2022. No funds were released after these dates.
* Central Nodal Agencies (CNAs) like NHB, SBI, and HUDCO released interest subsidies to eligible beneficiaries through Primary Lending Institutions (PLIs) after due diligence.
Subsidy Distribution:
* During the CLSS period, ₹58,868.4 crore in interest subsidy was provided to 25,04,220 beneficiaries across the country.
* In Tamil Nadu, ₹2,675.03 crore was released as interest subsidy to 1,20,114 beneficiaries.
* Out of 6,08,317 MIG beneficiaries across the country, 42,629 are from Tamil Nadu. State/UT-wise details are in the annexure.
Awareness and Support:
* States/UTs, including Tamil Nadu, organized loan melas and conducted monthly reviews with PLIs to address beneficiary challenges.
* States/UTs facilitated eligible beneficiaries in obtaining approvals and documents for interest subsidy.
* PLIs displayed scheme details and contact information at their branches.
PMAY-U 2.0:
* MoHUA launched PMAY-U 2.0 on September 1, 2024, to support 1 crore additional eligible beneficiaries in the next five years.
* PMAY-U 2.0 is implemented through four verticals: BLC, AHP, ARH, and ISS.
* All activities, including application submission, verification, and fund disbursement, are managed through the Unified Web Portal (UWP) for transparency and efficiency. Beneficiaries can apply and track applications on the portal.
Impact Analysis:
Beneficiaries:
* Impact: Received interest subsidies under CLSS until March 31, 2021 (MIG) and March 31, 2022 (EWS/LIG). Those eligible can apply under the new ISS vertical of PMAYU 2.0.
* Action Required: Prospective beneficiaries of ISS may apply on the unified web portal.
Primary Lending Institutions (PLIs):
* Impact: Were responsible for processing applications and disbursing loans and interest subsidies under CLSS.
* Action Required: Continue to display scheme details and contact information.
State Governments/Union Territories (including Tamil Nadu):
* Impact: Were responsible for organizing loan melas, reviewing challenges, and facilitating beneficiary approvals under CLSS.
* Action Required: Support beneficiaries in applying through the Unified Web Portal (UWP) and ensure coordination in States/UTs/ULB.
Central Nodal Agencies (CNAs):
* Impact: Released interest subsidies to eligible beneficiaries through PLIs.
* Action Required: Ensure efficient and transparent processing of subsidies through the Unified Web Portal (UWP).
Key Entities Referenced
Credit Linked Subsidy Scheme CLSS: A component of the Pradhan Mantri Awas Yojana Urban (PMAYU) aimed at providing interest subsidies on home loans to eligible beneficiaries.
Middle Income Group MIG: A category of beneficiaries defined by their income level, eligible for subsidies under the CLSS scheme.
Tamil Nadu: A state in India that is the focus of the policy document, particularly concerning the implementation and impact of the CLSS scheme.
Ministry of Housing and Urban Affairs MoHUA: The Indian government ministry responsible for implementing the Pradhan Mantri Awas Yojana Urban (PMAYU) scheme, including the CLSS vertical.
Pradhan Mantri Awas Yojana Urban PMAYU: A government scheme aimed at providing affordable housing to eligible urban beneficiaries.
National Housing Bank NHB: A Central Nodal Agency (CNA) for the CLSS scheme, responsible for disbursing interest subsidies to beneficiaries through Primary Lending Institutions (PLIs).
State Bank of India SBI: A Central Nodal Agency (CNA) for the CLSS scheme, responsible for disbursing interest subsidies to beneficiaries through Primary Lending Institutions (PLIs).
Housing and Urban Development Corporation Ltd. HUDCO: A Central Nodal Agency (CNA) for the CLSS scheme, responsible for disbursing interest subsidies to beneficiaries through Primary Lending Institutions (PLIs).
GOVERNMENT OF INDIA
MINISTRY OF HOUSING AND URBAN AFFAIRS
LOK SABHA
UNSTARRED QUESTION NO. 2006
TO BE ANSWERED ON JULY 31, 2025
CLSS FOR MIDDLE INCOME GROUP IN TAMIL NADU
NO. 2006. DR. RANI SRIKUMAR:
Will the Minister of HOUSING AND URBAN AFFAIRS be pleased to
state:
(a) the total number of applications received and approved under the
Credit Linked Subsidy Scheme (CLSS) for the Middle Income Group
(MIG) in Tamil Nadu during the last year along with the total subsidy
amount disbursed in the State;
(b) the ratio of individuals categorised as MIG to the number of people
who have received the subsidies across the country, State-wise,
particularly in comparison to Tamil Nadu;
(c) the reasons for the rejection of applications from Tamil Nadu,
particularly of those eligible for subsidies and the specific
challenges encountered in urban and rural-urban transition areas;
(d) the details of awareness campaigns conducted by the Government
in Tamil Nadu to ensure that eligible households are informed about
the scheme; and
(e) the measures being undertaken to streamline the application
process and enhance access to the scheme in Tamil Nadu?
ANSWER
THE MINISTER OF STATE IN THE
MINISTRY OF HOUSING AND URBAN AFFAIRS
(SHRI TOKHAN SAHU)
(a) to (e): Ministry of Housing and Urban Affairs (MoHUA) has been
implementing Pradhan Mantri Awas Yojana - Urban (PMAY-U) since
25.06.2015 with an aim to provide all weather pucca houses with basic
civic amenities to all eligible urban beneficiaries across the country.
The scheme is implemented through four verticals i.e., Beneficiary
Led Construction (BLC), Affordable Housing in Partnership (AHP), In-
Situ Slum Redevelopment (ISSR) and Credit Linked Subsidy Scheme
(CLSS).
…2/--2-
The CLSS vertical of PMAY-U was implemented as a Central Sector
Scheme through Central Nodal Agencies (CNAs) such as National
Housing Bank (NHB), State Bank of India (SBI) and Housing and Urban
Development Corporation Ltd. (HUDCO). CLSS for MIG ended on
31.03.2021 and CLSS for EWS/LIG ended on 31.03.2022. The
applications for the availing interest subsidy are submitted by the
beneficiaries to the Banks and Housing Finance Companies (HFCs).
After due diligence, the interest subsidy has been released to the
eligible beneficiaries by CNAs through Primary Lending Institutions
(PLIs) in the country, including Tamil Nadu.
During the scheme period of CLSS vertical, a total of ₹58,868.4 crore
of interest subsidy has been provided to 25,04,220 beneficiaries
under the scheme across the country. In the State of Tamil Nadu, an
amount of ₹ 2,675.03 crore has been released as interest subsidy to
1,20,114 beneficiaries under CLSS. A total of 6,08,317 beneficiaries
under CLSS across the country belong to MIG category, out of which
42,629 beneficiaries are from Tamil Nadu. The State/UT wise details
of MIG beneficiaries who have availed the benefit of CLSS across the
country, including Tamil Nadu is at Annexure. Since the CLSS for MIG
was effective only up to 31.03.2021, no funds were released after
31.03.2021.
As per the scheme guidelines, the States/UTs including Tamil Nadu
organized loan melas, conduct monthly review with PLIs to resolve
challenges faced by beneficiaries in availing the benefit of the
scheme. Further, the States/UTs facilitated the identified eligible
beneficiaries in getting approvals and documents, etc. to avail the
benefit of Interest Subsidy under the Scheme. In order to facilitate
awareness and benefit of the scheme among the beneficiaries, all
PLIs had mandatorily displayed the details of the scheme along with
the contact details at their respective branches for smooth
disbursement of loan and interest subsidy.
Further, based on the learnings from the experiences of
implementation of PMAY-U, MoHUA has revamped the scheme and
launched PMAY-U 2.0 ‘Housing for All’ Mission with effect from
01.09.2024 for implementation in urban areas across the country to
support 1 crore additional eligible beneficiaries in next five years.
…3/--3-
PMAY-U 2.0 is implemented through four verticals i.e., Beneficiary Led
Construction (BLC), Affordable Housing in Partnership (AHP),
Affordable Rental Housing (ARH) and Interest Subsidy Scheme (ISS).
As per the scheme guidelines, all activities such as submission of
applications by applicants, verification, Geo-tagging, attachment,
preparation of Detailed Project Reports (DPRs), generation of
beneficiaries list, releases of various instalments of Central
Assistance/Subsidies, its utilisation amongst others are done through
the Unified Web Portal (UWP). The usage of MIS enhances the
transparency, efficiency, and accountability. It enables real-time
monitoring, accurate beneficiary management, and timely decision-
making through data-driven insights. It also helps in reducing the
duplication and leakages by verifying and updating records
dynamically. It also supports faster fund disbursement, better
coordination in States/UTs/ULB. The prospective beneficiaries of ISS
may also apply on unified web-portal available at https://pmay-
urban.gov.in and trace their application.
*****Annexure referred in reply to LSUQ No. 2006 due for 31-07-2025
State/UT wise details of MIG beneficiaries who have availed the benefit
of CLSS across the country, including Tamil Nadu under PMAY-U
Sl. Name of the No. of Central Subsidy
No. State/ UT Beneficiary Released (₹ in Cr.)
1
setatS
Andhra Pradesh 29,122 611.06
2 Bihar 7,297 150.06
3 Chhattisgarh 7,627 153.37
4 Goa 1,581 35.04
5 Gujarat 63,375 1,366.42
6 Haryana 18,312 371.34
7 Himachal Pradesh 807 16.99
8 Jharkhand 7,649 149.29
9 Karnataka 57,480 1,227.05
10 Kerala 5,742 121.89
11 Madhya Pradesh 22,839 461.62
12 Maharashtra 1,34,214 2,943.26
13 Odisha 5,867 117.30
14 Punjab 12,755 269.33
15 Rajasthan 29,043 592.86
16 Tamil Nadu 42,629 882.39
17 Telangana 48,126 1,047.16
18 Uttar Pradesh 62,733 1,298.73
19 Uttarakhand 5,617 114.45
20 West Bengal 26,731 562.93
Sub- total (States) :- 5,89,546 12,492.55
21
setatS
tsaE
htroN
Arunachal Pradesh 42 0.92
22 Assam 1,837 36.50
23 Manipur 28 0.51
24 Meghalaya 36 0.59
25 Mizoram 139 2.12
26 Nagaland 13 0.21
27 Sikkim 47 0.96
28 Tripura 1,036 19.86
Sub- total (N.E. States) :- 3,178 61.67
29
seirotirreT
noinU
A&N Island 10 0.22
30 Chandigarh 608 13.19
31 DNH & DD 582 11.85
32 Delhi 13,083 279.70
33 J&K 618 11.66
34 Ladakh 6 0.07
35 Lakshadweep - -
36 Puducherry 686 13.71
Sub- total (UT) :- 15,593 330.39
Grand Total :- 6,08,317 12,884.61