Lok Sabha Question No. 2063 (UNSTARRED), answered on 2025-12-11
Subject: Status of Applications for CLSS under PMAY-U
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Shri Mohibbullah

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## GOVERNMENT OF INDIA LOK SABHA

## UNSTARRED QUESTION NO. 2063

## TO BE ANSWERED ON DECEMBER 11, 2025

## STATUS OF APPLICATIONS FOR CLSS UNDER PMAY-U

NO. 2063.    SHRI MOHIBBULLAH:

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

- (a)  the  number  of  applications  registered  for  the  Credit  Linked  Subsidy Scheme (CLSS) under the Pradhan Mantri Awas Yojana - Urban (PMAY-U) from inception of the said scheme till its closure;
- (b)  the number of applications approved and subsidy disbursed under the said yojana;
- (c)  whether it is a fact that the pace of subsidy disbursement under the above yojana has been very slow;
- (d)    if  so,  the  number  of  applications  registered  and  approved  for  CLSS between 2019 and 2025, year-wise; and
- (e) the steps taken to expedite the disposal of the remaining applications?

## 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 being implemented through four verticals i.e., Beneficiary Led Construction (BLC), Affordable Housing in Partnership (AHP), In-Situ 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)  including  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 were submitted by the beneficiaries to the Banks and Housing Finance Companies (HFCs). After due diligence, the interest subsidy was  released to the eligible beneficiaries by CNAs through Primary Lending Institutions (PLIs) in the country.

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).  The  prospective  beneficiaries  of  ISS  may  also  apply  on unified web-portal available at https://pmay-urban.gov.in and register their demand.

The CLSS vertical of PMAY-U was ended on 31.03.2022. The State/UT-wise along  with  income-group  and  category-wise  details  of  beneficiaries  of CLSS vertical of PMAY-U is at Annexure I. The State/UT-wise along with income-group and category-wise details of beneficiaries of ISS vertical of PMAY-U 2.0 is at Annexure II.

*****

Annexure-I referred in reply to Lok Sabha Unstarred Q. No. 2063 due for 11.12.2025 State/UT-wise  along  with  income-group  and  category-wise  details  of  beneficiaries  of  CLSS vertical of PMAY-U.

(₹ in crore)

| Sl. No.                          |                                  | EWS/ LIG       |                          |                                                      |                               | TOTAL                    | TOTAL                         |
|----------------------------------|----------------------------------|----------------|--------------------------|------------------------------------------------------|-------------------------------|--------------------------|-------------------------------|
| Sl. No.                          | Name of the State/ UT            |                | Central Subsidy Released | No. of Beneficiary Households Central Subsidy Amount | No. of Beneficiary Households | Central Subsidy Released | No. of Beneficiary Households |
| 1                                | Andhra Pradesh Bihar             | 867.60         | 36,399                   | 611.06                                               | 29,122                        | 1,478.66                 | 65,521                        |
| 2                                |                                  | 305.82         | 13,002                   | 150.06                                               | 7,297                         | 455.88                   | 20,299                        |
| 3                                | Chhattisgarh                     | 679.33         | 29,923                   | 153.37                                               | 7,627                         | 832.70                   | 37,550                        |
| 4                                | Goa                              | 39.64          | 1,560                    | 35.04                                                | 1,581                         | 74.68                    | 3,141                         |
| 5                                | Gujarat                          | 14,432.02      | 5,80,412                 | 1,366.42                                             | 63,375                        | 15,798.44                | 6,43,787                      |
| 6                                | Haryana                          | 632.31         | 26,621                   | 371.34                                               | 18,312                        | 1,003.65                 | 44,933                        |
| 7                                | Himachal Pradesh                 | 40.48          | 1,715                    | 16.99                                                | 807                           | 57.47                    | 2,522                         |
| 8                                | Jharkhand                        | 174.77         | 7,511                    | 149.29                                               | 7,649                         | 324.06                   | 15,160                        |
| 9                                | Karnataka                        | 1,141.51       | 49,449                   | 1,227.05                                             | 57,480                        | 2,368.56                 | 1,06,929                      |
| 10                               | Kerala                           | 621.13         | 26,909                   | 121.89                                               | 5,742                         | 743.02                   | 32,651                        |
| 11                               | Madhya Pradesh                   | 3,510.26       | 1,50,542                 | 461.62                                               | 22,839                        | 3,971.87                 | 1,73,381                      |
| 12                               | Maharashtra                      | 12,230.95      | 4,90,836                 | 2,943.26                                             | 1,34,214                      | 15,174.21                | 6,25,050                      |
| 13                               | Odisha                           | 149.89         | 6,889                    | 117.30                                               | 5,867                         | 267.19                   | 12,756                        |
| 14                               | Punjab                           | 860.83         | 36,049                   | 269.33                                               | 12,755                        | 1,130.16                 | 48,804                        |
| 15                               | Rajasthan                        | 2,704.73       | 1,19,319                 | 592.86                                               | 29,043                        | 3,297.59                 | 1,48,362                      |
| 16                               | Tamil Nadu                       | 1,792.64       | 77,485                   | 882.39                                               | 42,629                        | 2,675.03                 | 1,20,114                      |
| 17                               | Telangana                        | 1,003.01       | 40,320                   | 1,047.16                                             | 48,126                        | 2,050.18                 | 88,446                        |
| 18                               | Uttar Pradesh                    | 2,193.52       | 92,723                   | 1,298.73                                             | 62,733                        | 3,492.25                 | 1,55,456                      |
| 19                               | Uttarakhand                      | 329.00         | 14,302                   | 114.45                                               | 5,617                         | 443.46                   | 19,919                        |
| 20                               | West Bengal                      | 1,453.15       | 58,891                   | 562.93                                               | 26,731                        | 2,016.08                 | 85,622                        |
| States Sub- total (States):-     | States Sub- total (States):-     | 45,162.59      | 18,60,857                | 12,492.55                                            | 5,89,546                      | 57,655.14                | 24,50,403                     |
| 21 Arunachal Pradesh             | 21 Arunachal Pradesh             | 0.71           | 31                       | 0.92                                                 | 42                            | 1.63                     | 73                            |
| 22                               | Assam                            | 45.63          | 1,962                    | 36.50                                                | 1,837                         | 82.14                    | 3,799                         |
| 23                               | Manipur                          | 3.82           | 205                      | 0.51                                                 | 28                            | 4.33                     | 233                           |
| 24                               | Meghalaya                        | 3.45           | 168                      | 0.59                                                 | 36                            | 4.04                     | 204                           |
| States 25                        | Mizoram                          | 37.54          | 2,080                    | 2.12                                                 | 139                           | 39.65                    | 2,219                         |
| East 26                          | Nagaland                         | 0.53           | 27                       | 0.21                                                 | 13                            | 0.74                     | 40                            |
| 27                               | Sikkim                           | 3.27           | 142                      | 0.96                                                 | 47                            | 4.23                     | 189                           |
| 28                               | Tripura                          | 41.56          | 1,812                    | 19.86                                                | 1,036                         | 61.42                    | 2,848                         |
| North Sub- total (N.E. States):- | North Sub- total (N.E. States):- | 136.51         | 6,427                    | 61.67                                                | 3,178                         | 198.18                   | 9,605                         |
| 29                               | A&N Island                       | 0.35           | 14                       | 0.22                                                 | 10                            | 0.56                     | 24                            |
| 30                               | Chandigarh                       | 15.59          | 648                      |                                                      | 608                           | 28.78                    | 1,256                         |
| 31                               | DNH&DD                           | 163.12         | 6,736                    | 13.19 11.85                                          | 582                           | 174.97                   | 7,318                         |
| 32                               | Delhi                            | 412.83         | 16,893                   | 279.70                                               | 13,083                        | 692.53                   | 29,976                        |
| Territories 33                   | J&K                              | 59.16          | 2,814                    | 11.66                                                |                               | 70.82                    | 3,432                         |
| 34                               |                                  | 0.91           | 48                       |                                                      | 618                           |                          | 54                            |
|                                  | Ladakh                           |                |                          | 0.07                                                 | 6                             | 0.98                     |                               |
| Union 35                         | Puducherry                       | 32.77          | 1,466                    | 13.71                                                | 686                           | 46.48                    | 2,152                         |
| Sub- total (UT) :-               | Sub- total (UT) :-               | 45,983.84      |                          |                                                      | 6,08,317                      | 58,868.45                |                               |
| Grand Total: -                   | Grand Total: -                   | Grand Total: - |                          | 18,95,903 12,884.61                                  |                               |                          | 25,04,220                     |

Annexure-II referred in reply to Lok Sabha Unstarred Q. No. 2063 due for 11.12.2025 State/UT-wise  along  with  income-group  and  category-wise  details  of  beneficiaries  of  ISS vertical of PMAY-U 2.0.

(₹ in crore)

|                             |                             | EWS/ LIG                 | EWS/ LIG                      | MIG                    | MIG                           | TOTAL                    | TOTAL                         |
|-----------------------------|-----------------------------|--------------------------|-------------------------------|------------------------|-------------------------------|--------------------------|-------------------------------|
| Sl. No.                     | Name of the State/ UT       | Central Subsidy Released | No. of Beneficiary Households | Central Subsidy Amount | No. of Beneficiary Households | Central Subsidy Released | No. of Beneficiary Households |
| 1                           | Andhra Pradesh              | 1.12                     | 342                           | 0.43                   | 121                           | 1.54                     | 463                           |
| 2                           | Bihar                       | 0.17                     | 57                            | 0.08                   | 24                            | 0.25                     | 81                            |
| 3                           | Chhattisgarh                | 1.25                     | 403                           | 0.36                   | 108                           | 1.61                     | 511                           |
| 4                           | Goa                         | 0.07                     | 21                            | 0.02                   | 5                             | 0.09                     | 26                            |
| 5                           | Gujarat                     | 38.49                    | 10,979                        | 6.38                   | 1,814                         | 44.87                    | 12,793                        |
| 6                           | Haryana                     | 1.36                     | 415                           | 0.39                   | 114                           | 1.76                     | 529                           |
| 7                           | Himachal Pradesh            | 0.04                     | 12                            | 0.01                   | 4                             | 0.06                     | 16                            |
| 8                           | Jharkhand                   | 0.11                     | 34                            | 0.07                   | 19                            | 0.17                     | 53                            |
| 9                           | Karnataka                   | 1.24                     | 404                           | 0.37                   | 112                           | 1.61                     | 516                           |
| 10                          | Kerala                      | 0.36                     | 116                           | 0.10                   | 28                            | 0.46                     | 144                           |
| 11                          | Madhya Pradesh              | 10.98                    | 3,440                         | 1.78                   | 525                           | 12.75                    | 3,965                         |
| 12                          | Maharashtra                 | 41.12                    | 11,806                        | 9.26                   | 2,627                         | 50.38                    | 14,433                        |
| 13                          | Odisha                      | 0.16                     | 47                            | 0.11                   | 32                            | 0.27                     | 79                            |
| 14                          | Punjab                      | 2.69                     | 817                           | 0.46                   | 133                           | 3.15                     | 950                           |
| 15                          | Rajasthan                   | 14.90                    | 4,565                         | 2.64                   | 761                           | 17.54                    | 5,326                         |
| 16                          | Tamil Nadu                  | 2.23                     | 686                           | 0.74                   | 224                           | 2.97                     | 910                           |
| 17                          | Telangana                   | 1.03                     | 321                           | 0.33                   | 97                            | 1.36                     | 418                           |
| 18                          | Uttar Pradesh               | 7.24                     | 2,248                         | 1.60                   | 460                           | 8.84                     | 2,708                         |
| 19                          | Uttarakhand                 | 1.15                     | 353                           | 0.18                   | 51                            | 1.33                     | 404                           |
| States 20                   | West Bengal                 | 6.48                     | 1,840                         | 2.23                   | 627                           | 8.71                     | 2,467                         |
| Sub- total (States): -      | Sub- total (States): -      | 132.19                   | 38,906                        | 27.54                  | 7,886                         | 159.73                   | 46,792                        |
| 21                          | Arunachal Pradesh           | -                        | -                             | -                      | -                             | -                        | -                             |
| 22                          | Assam                       | 0.09                     | 28                            | 0.05                   | 16                            | 0.15                     | 44                            |
| 23                          | Manipur                     | 0.00                     | 1                             | -                      | -                             | 0.00                     | 1                             |
| States 24                   | Meghalaya                   | 0.00                     | 1                             | -                      | -                             | 0.00                     | 1                             |
| 25                          | Mizoram                     | -                        | -                             | -                      | -                             | -                        | -                             |
| East 26                     | Nagaland                    | -                        | -                             | -                      | -                             | -                        | -                             |
| 27                          | Sikkim                      | -                        | -                             | -                      | -                             | -                        | -                             |
| North 28                    | Tripura                     | 0.02                     | 7                             | 0.02                   | 5                             | 0.04                     | 12                            |
| Sub- total (N.E. States): - | Sub- total (N.E. States): - | 0.12                     | 37                            | 0.07                   | 21                            | 0.19                     | 58                            |
| 29                          | A&N Island                  | 0.00                     | 1                             | -                      | -                             | 0.00                     | 1                             |
| 30                          | Chandigarh                  | 0.06                     | 18                            | 0.00                   | 1                             | 0.06                     | 19                            |
| 31                          | DNH&DD                      | 0.75                     | 220                           | 0.10                   | 30                            | 0.85                     | 250                           |
| Territories 32              | Delhi                       | 4.00                     | 1,131                         | 0.85                   | 239                           | 4.84                     | 1,370                         |
| 33                          | J&K                         | 0.01                     | 3                             | 0.01                   | 3                             | 0.02                     | 6                             |
| 34                          | Ladakh                      | -                        | -                             | -                      | -                             | -                        | -                             |
| 35                          |                             |                          |                               |                        | 5                             | 0.05                     | 16                            |
| Union Sub- total            | Puducherry (UT): -          | 0.03 4.85                | 11 1,384                      | 0.02 0.98              | 278                           | 5.83                     | 1,662                         |
| Grand Total: -              | Grand Total: -              | 157.97                   | 40,327                        | 77.41                  | 8,185                         | 235.38*                  | 48,512                        |