Ministry of Housing and Urban Poverty Alleviation (MoHUPA) has initiated in June 2015, an interest subsidy scheme called Credit Linked Subsidy Scheme (CLSS) under Pradhan Mantri Awas Yojana (URBAN) – Housing for All, for purchase/construction/extension/improvement of house to cater Economical Weaker Section(EWS) / Lower Income Group (LIG) / Middle Income Group (MIG), given the anticipated evolution of urbanization & the ensuing housing demands in India.
The beneficiary family will encompass husband, wife and unmarried children. (An adult earning member regardless of marital status can be treated as a independent household in MIG category)
All statutory towns as per Census 2011 and towns’ notified subsequently, including planning area as notified with respect to statutory town.
CLSS Scheme Type
Eligibility Household Income ( Rs.)
Carpet Area-Max (sqm)
Interest Subsidy (%)
Subsidy calculated on a max loan of
Validity of scheme
Max Subsidy (Rs.)
EWS and LIG
Upto Rs. 6,00,000
MIG 1 **
Rs. 6,00,001 to Rs. 12,00,000
MIG 2 **
Rs. 12,00,001 to Rs. 18,00,000
* woman ownership is not mandatory for construction / extension
**for MIG – 1 & 2 loan should be approved on/or after 1-1-2017
*for more details on the scheme please refer www.mhupa.gov.in
Note: Assessment of your eligibility to avail the benefits of CLSS is at the sole discretion of the Government of India. Contents herein are considerations outlined under the scheme for assessment of entitlement.