Lok Sabha Question No. 3305 (UNSTARRED), answered on 2019-01-01
Subject: Credit Linked Subsidy
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: NABA KUMAR SARANIA

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## GOVERNMENT OF INDIA LOK  SABHA

## UNSTARRED QUESTION NO. 3305

TO BE ANSWERED ON JANUARY01, 2019

## CREDIT LINKED SUBSIDY

No. 3305.

SHRI NABA KUMAR SARNIA:

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

- (a)  the  details  of  the  Credit  Linked  Subsidy  Scheme  under  the Pradhan Mantri Awas Yojana;
- (b)  whether  the  Government  has  any  data  regarding  the  financial assistance  provided  to  the  States  including  North  East  States during the last two years under the Scheme and if so, the details
- thereof, State wise;
- (c) whether there is any proposal to increase the financial assistance under the scheme; and
- (d) if so, the details thereof?

## ANSWER

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

- ( a)  :   Under  Credit  Linked  Subsidy  Scheme  (CLSS)  for  EWS/LIG component  of  Pradhan  Mantri  Awas  Yojana  (Urban)  {PMAY[U]}, beneficiaries of Economically Weaker Section (EWS) having household  annual  income  upto  Rs.  3,00,000/-  and  Lower  Income Group  having  household  annual  income  between  Rs.3,00,001/-  and upto  Rs.6,00,000/- are eligible for an interest subsidy at the rate of 6.5% for housing loans up to Rs.6.00 lakh a maximum tenure of 20 years.

Government  of  India has also launched  Credit Linked Subsidy Scheme  to  provide  interest  subsidy  for  housing  loans  to  eligible beneficiaries belonging to Middle Income Group (CLSS for 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 new scheme will be available to  beneficiaries  of  MIG-I  category  and  MIG-II  for  loan  amounts uptoRs.9,00,000/-  and  12,00,000/,  respectively.  The  interest  subsidy will be at the rate of 4% and 3%, respectively.

(b): Details of interest subsidy approved and released to beneficiaries  across  all  the  States  including  North  Eastern  States during the last two years and current year under CLSS are annexed.

(c) & (d): No such proposal is under consideration of the Government.

******

## States, State/UT wise details Including North Eastern States of Beneficiaries approved and Interest Subsidy released during last two years and current  year under Credit  Linked Subsidy Scheme (CLSS ) of Pradhan Mantri Awas Yojana (U)

| Sl. No.   | Name of the State/ UT   | No. of Beneficiary Households      | No. of Beneficiary Households   | Interest Subsidy Released (Rs. in Cr)   | Interest Subsidy Released (Rs. in Cr)   |
|-----------|-------------------------|------------------------------------|---------------------------------|-----------------------------------------|-----------------------------------------|
| Sl. No.   | Name of the State/ UT   | During Last two year F.Y. 2016- 18 | Current F.Y.(2018-19)           | During Last two year F.Y. 2016- 18      | Current F.Y.(2018-19)                   |
| 1         | A&N Island (UT)         | -                                  | 2                               | -                                       | 0.04                                    |
| 2         | Andhra Pradesh          | 2,112                              | 3,362                           | 44.58                                   | 72.73                                   |
| 3         | Arunanchal Pradesh      | 1                                  | 3                               | 0.02                                    | 0.05                                    |
| 4         | Assam                   | 262                                | 113                             | 5.08                                    | 2.31                                    |
| 5         | Bihar                   | 660                                | 647                             | 12.61                                   | 13.04                                   |
| 6         | Chandigarh (UT)         | 60                                 | 67                              | 1.23                                    | 1.52                                    |
| 7         | Chhattisgarh            | 2,244                              | 2,052                           | 33.90                                   | 38.51                                   |
| 8         | D&N Haveli (UT)         | 421                                | 410                             | 9.50                                    | 9.54                                    |
| 9         | Daman & Diu (UT)        | 68                                 | 102                             | 1.53                                    | 2.17                                    |
| 10        | Delhi (UT)              | 2,651                              | 3,751                           | 59.31                                   | 84.14                                   |
| 11        | Goa                     | 109                                | 134                             | 2.37                                    | 3.03                                    |
| 12        | Gujarat                 | 45,684                             | 53,419                          | 1,029.11                                | 1,262.99                                |
| 13        | Haryana                 | 1,883                              | 4,217                           | 35.95                                   | 90.00                                   |
| 14        | Himachal Pradesh        | 80                                 | 101                             | 1.35                                    | 2.07                                    |
| 15        | Jammu & Kashmir         | 149                                | 114                             | 1.85                                    | 2.38                                    |
| 16        | Jharkhand               | 346                                | 564                             | 6.20                                    | 10.88                                   |
| 17        | Karnataka               | 4,613                              | 7,644                           | 94.82                                   | 166.57                                  |
| 18        | Kerala                  | 1,688                              | 3,067                           | 31.58                                   | 57.29                                   |
| 19        | Lakshdweep (UT)         | -                                  | -                               | -                                       | -                                       |
| 20        | Madhya Pradesh          | 7,961                              | 8,597                           | 159.92                                  | 191.73                                  |
| 21        | Maharashtra             | 36,767                             | 49,799                          | 832.49                                  | 1,177.35                                |
| 22        | Manipur                 | 115                                | 30                              | 1.69                                    | 0.67                                    |
| 23        | Meghalaya               | 46                                 | 16                              | 0.83                                    | 0.22                                    |
| 24        | Mizoram                 | 201                                | 150                             | 3.05                                    | 2.90                                    |
| 25        | Nagaland                | 6                                  | 4                               | 0.12                                    | 0.08                                    |
| 26        | Orissa                  | 598                                | 715                             | 9.11                                    | 13.55                                   |
| 27        | Puducherry (UT)         | 58                                 | 128                             | 1.17                                    | 2.71                                    |
| 28        | Punjab                  | 1,554                              | 2,865                           | 32.72                                   | 63.47                                   |
| 29        | Rajasthan               | 4,979                              | 7,910                           | 89.33                                   | 151.91                                  |
| 30        | Sikkim                  | 3                                  | -                               | 0.06                                    | -                                       |
| 31        | TamilNadu               | 5,479                              | 7,978                           | 106.59                                  | 169.79                                  |
| 32        | Telangana               | 2,652                              | 6,958                           | 57.34                                   | 152.09                                  |
| 33        | Tripura                 | 104                                | 50                              | 1.87                                    | 0.99                                    |
| 34        | Uttar Pradesh           | 7,060                              | 11,692                          | 146.34                                  | 253.02                                  |
| 35        | Uttrakhand              | 1,349                              | 1,399                           | 26.59                                   | 29.04                                   |
| 36        | West Bengal             | 3,093                              | 3,762                           | 65.66                                   | 84.61                                   |
| total     | total                   | 1,35,056                           | 1,81,822                        | 2,905.90                                | 4,113.39                                |