So long as you are eligible for the subsidy, you can apply either offline or online. To apply for the subsidy offline, you need to apply through a CSC (Common Service Centre) that offers government services. If you wish to apply for the subsidy online, visit the official PMAY portal.\r\r\rHere are the steps you should follow to obtain a home loan subsidy under the PMAY scheme:\r\r\rDetermine your income category: First, you need to determine which income category you fall under. Depending on whether you belong to the EWS, LIG, or MIG, you can determine the carpet area of the property.\r\rGo to the official online portal: Once you have identified which category you fall into, visit the official online portal to apply for the subsidy. Click on the ‘Citizen Assessment’ option from the menu section.\r\rFill up your loan application: Proceed with your loan application, filling in all the necessary details. You will be required to submit several documents, such as income proof, property details, age proof, investment details, and various declarations.\r\rAfter completing the form, print it and submit it at your nearest CSC and bank along with all the necessary documents.