Lok Sabha Question No. 1714 (UNSTARRED), answered on 2019-11-28
Subject: Credit Linked Subsidy Scheme under PMAY-U
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Thomas Chazhikadan

## GOVERNMENT OF INDIA

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## LOK SABHA

UNSTARRED QUESTION NO. 1714

TO BE ANSWERED ON NOVEMBER 28, 2019

## CREDIT LINKED SUBSIDY SCHEME UNDER PMAY-U

## NO.  1714. SHRI THOMAS CHAZHIKADAN:

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 and if so, the details thereof;
- (b) the number of people who have availed the subsidy, State/UTwise and income group category-wise;
- whether awareness about the said scheme is extremely low,
- (c) especially among the Middle Income Groups; and
- (d)
- 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  has  launched  a  Credit  Linked  Subsidy Scheme (CLSS) to provide interest subsidy for housing loans to  eligible  beneficiaries  belonging  to  Middle  Income  Group (MIG). 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 upto Rs.9,00,000/- and Rs. 12,00,000/, respectively for acquisition / constructions of houses (including repurchase). The interest subsidy is provided at the rate of 4% and 3%, respectively.

(b)  The  details  regarding  CLSS  beneficiaries  State/UT-wise  and Income Group category-wise are annexed at Annexure.

(c) & (d) No, Sir.  However, 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 Award Portal (CLAP) has also been launched which provides various information about the scheme.

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## State/UT wise and income category wise details of beneficiaries for EWS/LIG and  MIG under PMAY(U)

| S.No.   | State/UT             | EWS/LIG Category Number of Beneficiaries   | MIG Category Number of Beneficiaries   |
|---------|----------------------|--------------------------------------------|----------------------------------------|
| 1       | A&N Island (UT)      | 3                                          | -                                      |
| 2       | Andhra Pradesh       | 7,723                                      | 8,948                                  |
| 3       | Arunachal Pradesh    | 5                                          | 1                                      |
| 4       | Assam                | 543                                        | 340                                    |
| 5       | Bihar                | 3,298                                      | 2,272                                  |
| 6       | Chandigarh (UT)      | 112                                        | 184                                    |
| 7       | Chhattisgarh         | 8,155                                      | 2,260                                  |
| 8       | D&N Haveli (UT)      | 1,481                                      | 195                                    |
| 9       | Daman & Diu (UT)     | 534                                        | 50                                     |
| 10      | Delhi (UT)           | 7,877                                      | 8,070                                  |
| 11      | Goa                  | 314                                        | 353                                    |
| 12      | Gujarat              | 175,669                                    | 28,033                                 |
| 13      | Haryana              | 7,009                                      | 7,255                                  |
| 14      | Himachal Pradesh     | 317                                        | 209                                    |
| 15      | Jammu & Kashmir (UT) | 707                                        | 98                                     |
| 16      | Jharkhand            | 2,372                                      | 2,267                                  |
| 17      | Karnataka            | 11,498                                     | 21,895                                 |
| 18      | Kerala               | 9,374                                      | 2,028                                  |
| 19      | Ladakh (UT)          | 47                                         | 14                                     |
| 20      | Lakshadweep (UT)     | -                                          | -                                      |
| 21      | Madhya Pradesh       | 36,793                                     | 8,299                                  |
| 22      | Maharashtra          | 132,909                                    | 54,510                                 |
| 23      | Manipur              | 160                                        | 12                                     |
| 24      | Meghalaya            | 102                                        | 15                                     |
| 25      | Mizoram              | 751                                        | 12                                     |
| 26      | Nagaland             | 16                                         | 10                                     |
| 27      | Orissa               | 1,613                                      | 1,523                                  |
| 28      | Puducherry (UT)      | 235                                        | 228                                    |
| 29      | Punjab               | 7,366                                      | 4,354                                  |
| 30      | Rajasthan            | 25,963                                     | 9,661                                  |
| 31      | Sikkim               | 15                                         | 6                                      |
| 32      | Tamil Nadu           | 18,957                                     | 15,236                                 |
| 33      | Telangana            | 8,624                                      | 17,710                                 |
| 34      | Tripura              | 391                                        | 192                                    |
| 35      | Uttar Pradesh        | 27,617                                     | 23,546                                 |
| 36      | Uttarakhand          | 4,482                                      | 1,824                                  |
| 37      | West Bengal          | 12,189                                     | 8,029                                  |
|         | Total*               | 515,221                                    | 229,639                                |