Lok Sabha Question No. 981 (UNSTARRED), answered on 2019-06-27
Subject: Credit Linked Subsidy Scheme
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Subhash Ramrao Bhamre, Heena Vijaykumar Gavit, Supriya Sadanand Sule, Kuldeep Rai Sharma, Sunil Dattatray Tatkare, Amol Ramsing Kolhe

## GOVERNMENT OF INDIA MINISTRY OF HOUSING AND URBAN AFFAIRS LOK SABHA

## UNSTARRED QUESTION NO. 981 TO BE ANSWERED ON JUNE 27, 2019

## CREDIT LINKED SUBSIDY SCHEME

No. 981

DR. SUBHASH RAMRAO BHAMRE:

DR. HEENA GAVIT:

SHRIMATI SUPRIYA SULE:

SHRI KULDEEP RAI SHARMA:

SHRI SUNIL DATTATRAY TATKARE:

DR. AMOL RAMSING KOLHE:

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

- (a) the  income  groups  that  have  been  covered  under  the  Credit Linked Subsidy Scheme (CLSS) of Pradhan Mantri Awas Yojana;
- (b) the  number  of  people  who  have  availed  the  subsidy  under  the scheme, State/UT/income group category-wise during each of the last three years and the current year;
- (c) whether  it  is  true  that  awareness  about  the  said  scheme  is extremely  low  especially  among  the  lower  and  middle  income group and if so, the corrective steps taken by the Government to address the issue;
- (d) whether the scheme has achieved the objective for which it was set up and if so, the details thereof;
- (e) whether  the  Government  has  evaluated  the  performance  of scheme since its inception and if so, the details and the outcome thereof; and
- (f) whether there is any proposal to enhance the financial assistance under the scheme and if so, the details and the response of the Government thereto?

## ANSWER

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

- (a) Credit  Linked  Subsidy  Scheme  (CLSS)  component  of  Pradhan Mantri  Awas  Yojana  (Urban)  {PMAY[U]}  covers  Economically Weaker Section (EWS) having household annual income upto

Rs.  3,00,000/-  and  Lower  Income  Group  (LIG)  having  household The Scheme  also covers two income segments in the Middle Income Group  viz.  annual  household  income  between  Rs.6,00,001  to Rs.12,00,000  as  MIG-I  and  annual  household  income  between annual income between Rs.3,00,001/to Rs.6,00,000/-. Rs.12,00,001 to Rs.18,00,000 as MIG-II.

- (b)  State/UT/income group category-wise information for the last three years and current year is enclosed as Annexure.
- (c)   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 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  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.  States  and  UTs  hold  awareness camps  and  workshops  to  ensure  greater  awareness  of  Credit Linked Subsidy Scheme.
- (d)    Yes,  Sir.  The  annexed  statement  regarding  progress  may  be referred.
- (e)  No, Sir. Till now, no evaluation has been done for the scheme.
- (f)   No, Sir. At present, no such proposal is under consideration of the Government.

******

## State/UT/Income group category wise information relating to Credit Linked Subsidy Scheme (CLSS) component of PMAY (U) for the last three years and current year

| S.No           | State/UT          | Economically Weaker Section (EWS)   | Economically Weaker Section (EWS)   | Economically Weaker Section (EWS)   | Economically Weaker Section (EWS)   | Lower Income Group (LIG)   | Lower Income Group (LIG)   | Lower Income Group (LIG)   | Lower Income Group (LIG)   | Middle Income Group (MIG)   | Middle Income Group (MIG)   | Middle Income Group (MIG)   | Middle Income Group (MIG)   |
|----------------|-------------------|-------------------------------------|-------------------------------------|-------------------------------------|-------------------------------------|----------------------------|----------------------------|----------------------------|----------------------------|-----------------------------|-----------------------------|-----------------------------|-----------------------------|
| S.No           | State/UT          | 2016-17                             | 2017-18                             | 2018-19                             | 2019-20                             | 2016-17                    | 2017-18                    | 2018-19                    | 2019-20                    | 2016-17                     | 2017-18                     | 2018-19                     | 2019-20                     |
| 1              | A&N Island (UT)   | -                                   | -                                   | -                                   | -                                   | -                          | -                          | 3                          | -                          | -                           | -                           | -                           | -                           |
| 2              | Andhra Pradesh    | 54                                  | 90                                  | 630                                 | 153                                 | 186                        | 510                        | 3,619                      | 913                        | -                           | 1,280                       | 4,647                       | 1,660                       |
| 3              | Arunachal Pradesh | -                                   | -                                   | -                                   | -                                   | -                          | -                          | 4                          | -                          | -                           | 1                           | -                           | -                           |
| 4              | Assam             | 4                                   | 28                                  | 29                                  | -                                   | 10                         | 203                        | 202                        | 6                          | -                           | 18                          | 184                         | 65                          |
| 5              | Bihar             | 41                                  | 66                                  | 355                                 | 66                                  | 61                         | 212                        | 1,569                      | 349                        | -                           | 286                         | 1,362                       | 377                         |
| 6              | Chandigarh (UT)   | -                                   | 5                                   | 7                                   | 3                                   | 4                          | 17                         | 47                         | 5                          | -                           | 35                          | 100                         | 22                          |
| 7              | Chhattisgarh      | 366                                 | 574                                 | 1,460                               | 236                                 | 322                        | 823                        | 2,365                      | 609                        | -                           | 182                         | 1,367                       | 309                         |
| 8              | D&N Haveli (UT)   | 20                                  | 155                                 | 310                                 | 54                                  | 34                         | 182                        | 450                        | 106                        | -                           | 29                          | 91                          | 25                          |
| 9              | Daman & Diu (UT)  | 2                                   | 34                                  | 80                                  | 12                                  | -                          | 26                         | 94                         | 18                         | -                           | 5                           | 31                          | 2                           |
| 10             | Delhi (UT)        | 71                                  | 215                                 | 718                                 | 44                                  | 103                        | 1,293                      | 3,831                      | 356                        | -                           | 979                         | 5,630                       | 439                         |
| 11             | Goa               | 1                                   | 5                                   | 27                                  | 3                                   | 9                          | 37                         | 145                        | 25                         | -                           | 57                          | 220                         | 34                          |
| 12             | Gujarat           | 5,457                               | 14,303                              | 41,072                              | 3,562                               | 4,337                      | 18,436                     | 58,374                     | 8,077                      | -                           | 3,435                       | 16,559                      | 2,443                       |
| 13             | Haryana           | 49                                  | 203                                 | 1,036                               | 156                                 | 180                        | 636                        | 3,173                      | 485                        | -                           | 824                         | 4,660                       | 768                         |
| 14             | Himachal Pradesh  | 5                                   | 10                                  | 32                                  | 8                                   | 10                         | 28                         | 120                        | 29                         | -                           | 29                          | 107                         | 23                          |
| 15             | Jammu & Kashmir   | 8                                   | 44                                  | 42                                  | 3                                   | 18                         | 68                         | 170                        | 15                         | -                           | 11                          | 48                          | 47                          |
| 16             | Jharkhand         | 9                                   | 37                                  | 152                                 | 15                                  | 35                         | 89                         | 1,333                      | 245                        | -                           | 180                         | 1,324                       | 392                         |
| 17             | Karnataka         | 271                                 | 366                                 | 1,698                               | 312                                 | 307                        | 1,039                      | 5,273                      | 913                        | -                           | 2,630                       | 13,600                      | 2,589                       |
| 18             | Kerala            | 153                                 | 738                                 | 3,262                               | 630                                 | 123                        | 521                        | 2,104                      | 308                        | -                           | 169                         | 1,183                       | 378                         |
| 19             | Lakshdweep (UT)   | -                                   | -                                   | -                                   | -                                   | -                          | -                          | -                          | -                          | -                           | -                           | -                           | -                           |
| 20             | Madhya Pradesh    | 931                                 | 2,621                               | 7,955                               | 1,449                               | 916                        | 2,853                      | 10,776                     | 2,510                      | -                           | 748                         | 4,648                       | 925                         |
| 21             | Maharashtra       | 1,894                               | 6,592                               | 18,919                              | 1,641                               | 3,997                      | 17,448                     | 57,113                     | 6,404                      | -                           | 7,276                       | 33,837                      | 4,022                       |
| 22             | Manipur           | 2                                   | 6                                   | 12                                  | -                                   | 20                         | 86                         | 32                         | -                          | -                           | -                           | 11                          | -                           |
| 23             | Meghalaya         | 4                                   | 5                                   | 8                                   | -                                   | 18                         | 18                         | 42                         | 2                          | -                           | 3                           | 3                           | -                           |
| 24             | Mizoram           | 9                                   | 39                                  | 74                                  | 7                                   | 22                         | 147                        | 217                        | 1                          | -                           | -                           | 6                           | 1                           |
| 25             | Nagaland          | -                                   | 1                                   | 2                                   | -                                   | 1                          | 4                          | 4                          | -                          | -                           | -                           | 8                           | -                           |
| 26             | Orissa            | 48                                  | 97                                  | 163                                 | 31                                  | 62                         | 294                        | 540                        | 204                        | -                           | 120                         | 909                         | 267                         |
| 27             | Puducherry (UT)   | 3                                   | 11                                  | 17                                  | 8                                   | 9                          | 25                         | 105                        | 12                         | -                           | 15                          | 163                         | 16                          |
| 28             | Punjab            | 60                                  | 291                                 | 1,158                               | 260                                 | 99                         | 738                        | 2,746                      | 518                        | -                           | 381                         | 2,760                       | 426                         |
| 29             | Rajasthan         | 503                                 | 1,433                               | 5,190                               | 783                                 | 506                        | 1,770                      | 8,308                      | 2,126                      | -                           | 833                         | 5,293                       | 1,459                       |
| 30             | Sikkim            | -                                   | -                                   | 2                                   | 1                                   | -                          | 1                          | 6                          | 2                          | -                           | 1                           | -                           | -                           |
| 31             | TamilNadu         | 312                                 | 786                                 | 2,429                               | 430                                 | 825                        | 1,970                      | 7,289                      | 1,127                      | -                           | 1,814                       | 9,146                       | 1,558                       |
| 32             | Telangana         | 59                                  | 121                                 | 507                                 | 156                                 | 232                        | 599                        | 3,901                      | 1,173                      | -                           | 1,638                       | 11,180                      | 1,944                       |
| 33             | Tripura           | 1                                   | 30                                  | 42                                  | 3                                   | 9                          | 58                         | 186                        | 2                          | -                           | 6                           | 134                         | 18                          |
| 34             | Uttar Pradesh     | 254                                 | 950                                 | 3,338                               | 597                                 | 563                        | 2,828                      | 12,728                     | 1,584                      | -                           | 2,524                       | 15,423                      | 2,332                       |
| 35             | Uttrakhand        | 32                                  | 330                                 | 519                                 | 134                                 | 61                         | 764                        | 1,693                      | 308                        | -                           | 163                         | 1,228                       | 239                         |
| 36 West Bengal | Total             | 98 10,721                           | 322 30,508                          | 1,510 92,755                        | 196 10,953                          | 162 13,241                 | 1,194 54,917               | 5,107 1,93,669             | 1,319 29,751               | - -                         | 1,353 27,025                | 4,771 1,40,633              | 948 23,728                  |