Lok Sabha Question No. 345 (STARRED), answered on 2018-03-20
Subject: Credit Linked Subsidy Scheme
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: JOSE K. MANI

## GOVERNMENT OF INDIA

## MINISTRY OF HOUSING AND URBAN AFFAIRS LOK SABHA

## STARRED QUESTION NO. 345* TO BE ANSWERED ON MARCH 20, 2018 CREDIT LINKED SUBSIDY SCHEME

No. 345* SHRI JOSE K. MANI:

Will  the  Minister  of  HOUSING  AND  URBAN  AFFAIRS  be  pleased  to state:

- (a) whether the Government has extended the Credit Linked Subsidy Scheme (CLSS) under the Pradhan Mantri Awas Yojana (Urban) to include the Middle Income Groups;
- (b) if so, the details thereof;
- (c)  the  number  of  people  who  have  availed  the  subsidy,  State/UT and income group category-wise;
- (d)  whether  it  is  true  that  awareness  about  the  said  scheme  is extremely low, especially among the Middle Income Groups; and
- (e) if so, the steps taken to address the issue?

## ANSWER

THE MINISTER OF STATE (INDEPENDENT CHARGE) OF THE MINISTRY HOUSING AND URBAN AFFAIRS [SHRI HARDEEP SINGH PURI]

(a) to (e):   A statement is laid on the Table of the House.

******

STATEMENT REFERRED TO THE LOK SABHA STARRED QUESTION NO. 345* DUE FOR 20.03.2018 REGARDING CREDIT LINKED SUBSIDY SCHEME.

- (a) :    Yes,  Madam.  Government  of  India  has  extended  the  Credit Linked Subsidy Scheme to cover the Middle Income Group (CLSS for MIG), w.e.f. 01.01.2017.
- (b) :  The  Scheme  covers  two  income  segments  in  the  MIG,  viz. annual  household  income  between  Rs.6,00,001  to  Rs.12,00,000 (MIG-I)  and  annual  household  income  between  Rs.  12,00,001  to Rs.18,00,000 (MIG-II). The interest subsidy at the rate of 4% and 3% under the scheme is available to beneficiaries of MIG-I and MIG-II categories, for loan amounts upto Rs.9,00,000/- and Rs.12,00,000/-, respectively.  This  subsidy  is  credited  upfront  to  the  housing  loan account of the beneficiary. Housing loans beyond Rs.9,00,000/- and Rs.12,00,000/-,  respectively  for  MIG-I  and  MIG-II,  if  any,  is  at  nonsubsidized rate. The CLSS for MIG scheme has now been extended upto 31.03.2019.
- (c): Under the CLSS (CLSS for EWS/LIG & CLSS for MIG) component of the Pradhan Mantri Awas Yojana (Urban) {PMAY(U)}, a total of Rs.1837.66 Crore of interest subsidy has been disbursed and credited into the home loan account of 91,219 beneficiaries in the country.  State-wise  and  Income  Group  category-wise  details  of interest  subsidy  disbursement  to  beneficiaries  under  CLSS,  are  at Annexure.

(d)  &  (e):  In  order  to  spread  awareness,  meetings  and  workshops are regularly held at City, State and Regional levels to explain the salient features of the PMAY (U) Mission including CLSS component. The Project Management Unit set up under the Mission and senior officers  visit  States/UTs  to  interact  with  the  various  stakeholders. To publicise the Credit Linked Subsidy Scheme (CLSS) component of  the  mission,  radio  spots  have  been  broadcasted  in  twelve languages,  including  Hindi.  Also,  Social  media  and  the  medium  of street plays have been used effectively to engage  with the stakeholders.  Further,  workshops  are  regularly  being  held  by  the National  Housing  Bank  (NHB)  and  Housing  &  Urban  Development Corporation Ltd. (HUDCO), the two Central Nodal Agencies (CNAs) identified  for  operationalising  CLSS,  to  spread  awareness  among Banks,  Housing  Finance  Companies  (HFCs)  and  other  Primary Lending Institutions (PLIs) on CLSS. The progress of the scheme is reviewed in the State Level Banker's Committee (SLBC) meetings. States  and  UTs  hold  awareness  camps  and  workshops  to  ensure greater awareness of Credit Linked Subsidy Scheme.

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## State/UTs wise and Income Group Category-wise details of number of beneficiaries alongwith Interest Subsidy released under Pradhan Mantri Awas Yojana (Urban)

(Rs in crore)

| Sl. No.   | Name of the State/ UT   | EWS (Economically Weaker Sections)   | EWS (Economically Weaker Sections)   | LIG (Lower Income Group)   | LIG (Lower Income Group)   | MIG (Middle Income Group)   | MIG (Middle Income Group)   | Total CLSS     | Total CLSS         |
|-----------|-------------------------|--------------------------------------|--------------------------------------|----------------------------|----------------------------|-----------------------------|-----------------------------|----------------|--------------------|
| Sl. No.   | Name of the State/ UT   | Subsidy Amount                       | No. of Beneficiary                   | Subsidy Amount             | No. of Beneficiary         | Subsidy Amount              | No. of Beneficiary          | Subsidy Amount | No. of Beneficiary |
| 1         | A&N Island (UT)         | -                                    | -                                    | -                          | -                          | -                           | -                           | -              | -                  |
| 2         | Andhra Pradesh          | 2.19                                 | 119                                  | 8.08                       | 409                        | 12.04                       | 590                         | 22.30          | 1,118              |
| 3         | Arunanchal Pradesh      | -                                    | -                                    | -                          | -                          | 0.02                        | 1                           | 0.02           | 1                  |
| 4         | Assam                   | 0.35                                 | 19                                   | 2.54                       | 137                        | 0.20                        | 10                          | 3.10           | 166                |
| 5         | Bihar                   | 1.38                                 | 88                                   | 2.91                       | 171                        | 1.67                        | 86                          | 5.96           | 345                |
| 6         | Chandigarh (UT)         | 0.05                                 | 3                                    | 0.27                       | 13                         | 0.45                        | 23                          | 0.78           | 39                 |
| 7         | Chhattisgarh            | 8.16                                 | 782                                  | 12.18                      | 811                        | 2.54                        | 130                         | 22.89          | 1,723              |
| 8         | D&N Haveli (UT)         | 2.29                                 | 105                                  | 3.33                       | 152                        | 0.43                        | 22                          | 6.06           | 279                |
| 9         | Daman & Diu (UT)        | 0.43                                 | 20                                   | 0.29                       | 14                         | 0.06                        | 3                           | 0.79           | 37                 |
| 10        | Delhi (UT)              | 3.11                                 | 193                                  | 13.50                      | 606                        | 16.39                       | 784                         | 33.00          | 1,583              |
| 11        | Goa                     | 0.10                                 | 6                                    | 0.54                       | 25                         | 0.85                        | 40                          | 1.49           | 71                 |
| 12        | Gujarat                 | 296.00                               | 14,637                               | 288.98                     | 13,204                     | 51.23                       | 2,455                       | 636.21         | 30,296             |
| 13        | Haryana                 | 3.36                                 | 194                                  | 10.77                      | 566                        | 9.81                        | 543                         | 23.95          | 1,303              |
| 14        | Himachal Pradesh        | 0.13                                 | 12                                   | 0.37                       | 21                         | 0.46                        | 27                          | 0.96           | 60                 |
| 15        | Jammu & Kashmir         | 0.55                                 | 51                                   | 1.00                       | 74                         | 0.01                        | 1                           | 1.56           | 126                |
| 16        | Jharkhand               | 0.52                                 | 41                                   | 1.43                       | 88                         | 1.12                        | 64                          | 3.07           | 193                |
| 17        | Karnataka               | 10.33                                | 599                                  | 19.20                      | 969                        | 36.01                       | 1,733                       | 65.54          | 3,301              |
| 18        | Kerala                  | 11.18                                | 675                                  | 9.06                       | 460                        | 1.81                        | 94                          | 22.05          | 1,229              |
| 19        | Lakshdweep (UT)         | -                                    | -                                    | -                          | -                          | -                           | -                           | -              | -                  |
| 20        | Madhya Pradesh          | 44.18                                | 2,553                                | 51.33                      | 2,571                      | 9.97                        | 514                         | 105.47         | 5,638              |
| 21        | Maharashtra             | 128.58                               | 6,154                                | 307.22                     | 14,069                     | 123.16                      | 5,649                       | 558.97         | 25,872             |
| 22        | Manipur                 | 0.13                                 | 9                                    | 1.53                       | 105                        | -                           | -                           | 1.66           | 114                |
| 23        | Meghalaya               | 0.15                                 | 9                                    | 0.64                       | 36                         | 0.03                        | 2                           | 0.82           | 47                 |
| 24        | Mizoram                 | 0.69                                 | 48                                   | 2.46                       | 169                        | -                           | -                           | 3.15           | 217                |
| 25        | Nagaland                | 0.01                                 | 1                                    | 0.11                       | 5                          | -                           | -                           | 0.12           | 6                  |
| 26        | Orissa                  | 0.65                                 | 109                                  | 2.50                       | 192                        | 1.63                        | 85                          | 4.79           | 386                |
| 27        | Puducherry (UT)         | 0.16                                 | 10                                   | 0.37                       | 20                         | 0.28                        | 13                          | 0.80           | 43                 |
| 28        | Punjab                  | 4.55                                 | 246                                  | 9.96                       | 481                        | 4.67                        | 235                         | 19.17          | 962                |
| 29        | Rajasthan               | 17.06                                | 1,371                                | 24.25                      | 1,420                      | 11.05                       | 563                         | 52.35          | 3,354              |
| 30        | Sikkim                  | -                                    | -                                    | 0.02                       | 1                          | 0.02                        | 1                           | 0.04           | 2                  |
| 31        | TamilNadu               | 12.00                                | 889                                  | 35.04                      | 1,999                      | 24.09                       | 1,181                       | 71.13          | 4,069              |
| 32        | Telangana               | 2.52                                 | 133                                  | 10.72                      | 517                        | 19.04                       | 917                         | 32.28          | 1,567              |
| 33        | Tripura                 | 0.43                                 | 28                                   | 1.10                       | 62                         | 0.06                        | 3                           | 1.60           | 93                 |
| 34        | Uttar Pradesh           | 15.49                                | 902                                  | 36.64                      | 1,876                      | 30.96                       | 1,534                       | 83.10          | 4,312              |
| 35        | Uttrakhand              | 4.37                                 | 235                                  | 6.99                       | 372                        | 2.51                        | 137                         | 13.88          | 744                |
| 36        | West Bengal             | 5.84                                 | 320                                  | 15.31                      | 749                        | 17.46                       | 854                         | 38.61          | 1,923              |
|           | Grand Total :-          | 576.94                               | 30,561                               | 880.66                     | 42,364                     | 380.06                      | 18,294                      | 1,837.66       | 91,219             |