Lok Sabha Question No. 889 (UNSTARRED), answered on 2020-09-17
Subject: CLSS
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Dean Kuriakose

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## GOVERNMENT OF INDIA LOK SABHA

## UNSTARRED QUESTION NO. 889

TO BE ANSWERED ON SEPTEMBER 17, 2020

CLSS

NO. 889.

ADV. DEAN KURIAKOSE:

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 (PMAY) to include the Middle Income Groups and if so, the details thereof;
- (b) the number of people who have availed the subsidy, State/UT and
- income group category-wise; and
- (c) whether the awareness about the said scheme is extremely low, especially among the Middle Income Groups and if so, the steps taken to address the issue?

## ANSWER

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

(a)Yes,  Sir.  Government  of  India  launched  Credit  Linked  Subsidy Scheme for Middle Income Group (CLSS for MIG)under Pradhan Mantri Awas Yojana (Urban) with effect from 01.01.2017 to provide interest subsidy for housing loans to eligible beneficiaries belonging to Middle Income Group (MIG). CLSS for MIG has since been extended annually.

Recently the scheme  has been extended upto 31.03.2021.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  under  the  scheme  is  available  to beneficiaries  of  MIG-I  and  MIG-II  categories  for  loan  amounts  up  to Rs.9,00,000/- and 12,00,000/- and the interest subsidy is at the rate of 4% and 3%, respectively.

- (b) State/ UT wise details of CLSS beneficiaries as per Income Group category are at Annexure.
- (c) No, Sir.  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 publicize the Credit Linked Subsidy Scheme (CLSS) component of the mission,  radio  spots  have  been  broadcast  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  Central  Nodal  Agencies (CNAs)  identified  for  operationalizing  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. A web portal  named  as  CLSS  Awas  Portal  (CLAP)  has  been  launched which  enables  the  beneficiaries  to  track  their  application  status, facilitates timely release of subsidy andalso provides various information about the scheme.

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## Annexure referred in reply to LSUQ No 889 due for 17-09-2020

## State/UT wise and income group category-wisenumber of beneficiaries under Credit Linked Subsidy Scheme (CLSS) of PMAY-U

| Sr. No.   | State / UT              | Number of Beneficiaries   | Number of Beneficiaries   |
|-----------|-------------------------|---------------------------|---------------------------|
| Sr. No.   | State / UT              |                           | MIG                       |
| 1         | A&N Island (UT)         | 4                         | -                         |
| 2         | Andhra Pradesh          | 13,232                    | 18,271                    |
| 3         | Arunachal Pradesh       | 9                         | 41                        |
| 4         | Assam                   | 820                       | 1,103                     |
| 5         | Bihar                   | 5,534                     | 4,950                     |
| 6         | Chandigarh (UT)         | 223                       | 478                       |
| 7         | Chhattisgarh            | 11,242                    | 4,063                     |
| 8         | Dadar Nagar Haveli & DD | 3,148                     | 416                       |
| 9         | Delhi (NCT)             | 10,217                    | 10,997                    |
| 10        | Goa                     | 592                       | 930                       |
| 11        | Gujarat                 | 2,47,614                  | 44,633                    |
| 12        | Haryana                 | 10,825                    | 12,908                    |
| 13        | Himachal Pradesh        | 549                       | 445                       |
| 14        | J&K (UT)                | 1,601                     | 312                       |
| 15        | Jharkhand               | 4,023                     | 5,130                     |
| 16        | Karnataka               | 17,633                    | 40,345                    |
| 17        | Kerala                  | 12,983                    | 3,568                     |
| 18        | Ladakh (UT)             | 47                        | 14                        |
| 19        | Lakshadweep (UT)        | -                         | -                         |
| 20        | Madhya Pradesh          | 55,392                    | 13,969                    |
| 21        | Maharashtra             | 1,93,287                  | 91,999                    |
| 22        | Manipur                 | 165                       | 16                        |
| 23        | Meghalaya               | 122                       | 27                        |
| 24        | Mizoram                 | 915                       | 103                       |
| 25        | Nagaland                | 17                        | 11                        |
| 26        | Odisha                  | 2,689                     | 3,530                     |
| 27        | Puducherry (UT)         | 380                       | 395                       |
| 28        | Punjab                  | 12,324                    | 8,351                     |
| 29        | Rajasthan               | 44,084                    | 18,578                    |
| 30        | Sikkim                  | 30                        | 18                        |
| 31        | Tamil Nadu              | 27,751                    | 28,112                    |
| 32        | Telangana               | 13,069                    | 32,862                    |
| 33        | Tripura                 | 628                       | 453                       |
| 34        | Uttar Pradesh           | 40,457                    | 43,342                    |
| 35        | Uttarakhand             | 6,479                     | 3,758                     |
| 36        | West Bengal             | 20,680                    | 15,500                    |
| Total     |                         | 7,58,765                  | 4,09,628                  |