Lok Sabha Question No. 2006 (UNSTARRED), answered on 2025-07-31
Subject: CLSS for Middle Income Group in Tamil Nadu
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Dr. Rani Srikumar

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

## UNSTARRED QUESTION NO. 2006 TO BE ANSWERED ON JULY 31, 2025

## CLSS FOR MIDDLE INCOME GROUP IN TAMIL NADU

## NO. 2006.   DR. RANI SRIKUMAR:

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

- (a)   the total number of applications received and approved under the Credit Linked Subsidy Scheme (CLSS) for the Middle Income Group (MIG) in Tamil Nadu during the last year along with the total subsidy amount disbursed in the State;
- (b)   the ratio of individuals categorised as MIG to the number of people who  have  received  the  subsidies  across  the  country,  State-wise, particularly in comparison to Tamil Nadu;
- (c)   the  reasons  for  the  rejection  of  applications  from  Tamil  Nadu, particularly of those eligible for subsidies and the specific challenges encountered in urban and rural-urban transition areas;
- (d)   the details of awareness campaigns conducted by the Government in Tamil Nadu to ensure that eligible households are informed about the scheme; and
- (e)   the  measures  being  undertaken  to  streamline  the  application process and enhance access to the scheme in Tamil Nadu?

## ANSWER

## THE MINISTER OF STATE IN THE MINISTRY OF HOUSING AND URBAN AFFAIRS (SHRI TOKHAN SAHU)

- (a) to  (e):  Ministry  of  Housing  and  Urban  Affairs  (MoHUA)  has  been implementing  Pradhan  Mantri  Awas  Yojana  -  Urban  (PMAY-U)  since 25.06.2015 with an aim to provide all weather pucca houses with basic civic amenities to all eligible urban beneficiaries across the country.

The scheme is implemented through four verticals  i.e.,  Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), InSitu Slum Redevelopment (ISSR) and Credit Linked Subsidy Scheme (CLSS).

The CLSS vertical of PMAY-U was implemented as a Central Sector Scheme  through  Central  Nodal  Agencies  (CNAs)  such  as  National Housing Bank (NHB), State Bank of India (SBI) and Housing and Urban Development  Corporation  Ltd.  (HUDCO).  CLSS  for  MIG  ended  on 31.03.2021 and CLSS  for EWS/LIG ended on 31.03.2022. The applications  for  the  availing  interest  subsidy  are  submitted  by  the beneficiaries to the Banks and Housing Finance Companies (HFCs). After  due  diligence,  the  interest  subsidy  has  been  released  to  the eligible beneficiaries by CNAs through Primary Lending Institutions (PLIs) in the country, including Tamil Nadu.

During the scheme period of CLSS vertical, a total of ₹58,868.4 crore of  interest  subsidy  has  been  provided  to  25,04,220  beneficiaries under the scheme across the country. In the State of Tamil Nadu, an amount of ₹ 2,675.03 crore has been released as interest subsidy to 1,20,114 beneficiaries under CLSS. A total of 6,08,317 beneficiaries under CLSS across the country belong to MIG category, out of which 42,629 beneficiaries are from Tamil Nadu. The State/UT wise details of MIG beneficiaries who have availed the benefit of CLSS across the Since the CLSS for MIG was effective  only  up  to  31.03.2021,  no  funds  were  released  after country, including Tamil Nadu is at Annexure. 31.03.2021.

As per the scheme guidelines, the States/UTs including Tamil Nadu organized loan melas, conduct monthly review with PLIs to resolve challenges  faced  by  beneficiaries  in  availing  the  benefit  of  the scheme.  Further,  the  States/UTs  facilitated  the  identified  eligible beneficiaries in getting approvals and documents, etc. to avail the benefit of Interest Subsidy under the Scheme. In order to facilitate awareness and benefit of the scheme among the beneficiaries, all PLIs had mandatorily displayed the details of the scheme along with smooth the contact details at their respective branches for disbursement of loan and interest subsidy.

Further, based on the learnings from the experiences of implementation  of  PMAY-U,  MoHUA  has  revamped  the  scheme  and launched  PMAY-U  2.0  'Housing  for  All'  Mission  with  effect  from 01.09.2024 for implementation in urban areas across the country to support 1 crore additional eligible beneficiaries in next five years.

PMAY-U 2.0 is implemented through four verticals i.e., Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), Affordable Rental Housing (ARH) and Interest Subsidy Scheme (ISS).

As per the scheme guidelines, all activities such as submission of applications  by  applicants,  verification,  Geo-tagging,  attachment, preparation of Detailed Project Reports (DPRs), generation of beneficiaries list, releases of various instalments of Central Assistance/Subsidies, its utilisation amongst others are done through the  Unified  Web  Portal  (UWP).  The  usage  of  MIS  enhances  the transparency,  efficiency,  and  accountability.  It  enables  real-time monitoring, accurate beneficiary management, and timely decisionmaking  through  data-driven  insights.  It  also  helps  in  reducing  the duplication and leakages by verifying and updating records dynamically. It also supports  faster fund disbursement,  better coordination in States/UTs/ULB. The prospective beneficiaries of ISS may  also  apply  on  unified  web-portal  available  at  https://pmayurban.gov.in and trace their application.

*****

## Annexure referred in reply to LSUQ No. 2006 due for 31-07-2025

## State/UT wise details of MIG beneficiaries who have availed the benefit of CLSS across the country, including Tamil Nadu under PMAY-U

| Sl. No.                      | Name of the State/ UT        | No. of Beneficiary   | Central Subsidy Released (₹ in Cr.)   |
|------------------------------|------------------------------|----------------------|---------------------------------------|
| 1 2 3 4                      | Andhra Pradesh               | 29,122               | 611.06                                |
| 1 2 3 4                      | Bihar                        | 7,297                | 150.06                                |
| 1 2 3 4                      | Chhattisgarh                 | 7,627                | 153.37                                |
| 1 2 3 4                      | Goa                          | 1,581                | 35.04                                 |
| 5                            | Gujarat                      | 63,375               | 1,366.42                              |
| 6                            | Haryana                      | 18,312               | 371.34                                |
| 7                            | Himachal Pradesh             | 807                  | 16.99                                 |
| 8                            | Jharkhand                    | 7,649                | 149.29                                |
| 9                            | Karnataka                    | 57,480               | 1,227.05                              |
| 10                           | Kerala                       | 5,742                | 121.89                                |
| 11                           | Madhya Pradesh               | 22,839               | 461.62                                |
| 12                           | Maharashtra                  | 1,34,214             | 2,943.26                              |
| 13                           | Odisha                       | 5,867                | 117.30                                |
| 14                           | Punjab                       | 12,755               | 269.33                                |
| 15                           | Rajasthan                    | 29,043               | 592.86                                |
| 16                           | Tamil Nadu                   | 42,629               | 882.39                                |
| 17                           | Telangana                    | 48,126               | 1,047.16                              |
| 18                           | Uttar Pradesh                | 62,733               | 1,298.73                              |
| 1 2 3 4                      | Uttarakhand                  | 5,617                | 114.45                                |
| 19 20                        | West Bengal                  | 26,731               | 562.93                                |
| Sub- total (States) : -      | Sub- total (States) : -      | 5,89,546             | 12,492.55                             |
| 21                           | Arunachal Pradesh            | 42                   | 0.92                                  |
| 22                           | Assam                        | 1,837                | 36.50                                 |
| 23                           | Manipur                      | 28                   | 0.51                                  |
| 24                           | Meghalaya                    | 36                   | 0.59                                  |
| 25                           | Mizoram                      | 139                  | 2.12                                  |
| 26                           | Nagaland                     | 13                   | 0.21                                  |
| 27                           | Sikkim                       | 47                   | 0.96                                  |
| 28                           | Tripura                      | 1,036                | 19.86                                 |
| Sub- total (N.E. States) : - | Sub- total (N.E. States) : - | 3,178                | 61.67                                 |
| 29                           | A&N Island                   | 10                   | 0.22                                  |
| 30                           | Chandigarh                   | 608                  | 13.19                                 |
| 31                           | DNH & DD                     | 582                  | 11.85                                 |
| 32                           | Delhi                        | 13,083               | 279.70                                |
| 33                           | J&K                          | 618                  | 11.66                                 |
| 34                           | Ladakh                       | 6                    | 0.07                                  |
| 35                           | Lakshadweep                  | -                    | -                                     |
| 36                           | Puducherry                   | 686                  | 13.71                                 |
| Sub- total (UT) : -          | Sub- total (UT) : -          | 15,593               | 330.39                                |
| Grand Total : -              | Grand Total : -              | 6,08,317             | 12,884.61                             |