Lok Sabha Question No. 743 (UNSTARRED), answered on 2025-12-04
Subject: Extension of CLSS under PMAY-U
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: Shri Janardan Singh Sigriwal

## GOVERNMENT OF INDIA

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## LOK SABHA

## UNSTARRED QUESTION NO. 743

## TO BE ANSWERED ON DECEMBER 04, 2025

## EXTENSION OF CLSS UNDER PMAY-U

## NO.743.       SHRI JANARDAN SINGH SIGRIWAL:

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 Pradhan Mantri Awas Yojana - Urban (PMAY-U) to  include  Middle  Income  Groups  and  if  so,  the  details  thereof including the extended timeline;
- (b) the number of beneficiaries who have availed subsidy, State/UT-wise and income-group category-wise;
- (c) the number  of  pending  applications under  the CLSS  since  its inception and the reasons therefor, State/UT-wise;
- (d) whether awareness about the said scheme  is extremely low especially among Middle Income Groups; and
- (e) if  so,  the  details  thereof  along  with  the  steps  taken  to  address the said issue?

## 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), In-Situ Slum Redevelopment  (ISSR)  and  Credit  Linked  Subsidy  Scheme  (CLSS).  The implementation  period  of  PMAY-U  scheme,  which  was  earlier  up  to 31.03.2022, has been extended up to 31.12.2025, except for CLSS vertical to complete sanctioned houses without changing the funding pattern and implementation  methodology.  CLSS  vertical  of  PMAY-U  for  EWS/LIG  was operational  from  the  inception  of  PMAY-U  till  31.03.2022.  CLSS  for  MIG initially operational from 01.01.2017 to 31.12.2017, was extended subsequently and finally ended on 31.03.2021.

Further, based on the learning 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  under  the  scheme.  The  scheme  is  being  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 scheme guidelines of PMAY-U 2.0 may be  accessed  at  https://pmay-urban.gov.in/uploads/guidelines/OperationalGuidelines-of-PMAY-U-2.pdf .

The  ISS vertical of PMAY-U  is  implemented  through  Central  Nodal Agencies  (CNAs)  such  as  National  Housing  Bank  (NHB),  State  Bank  of India (SBI) and Housing and Urban Development Corporation Ltd. (HUDCO). The eligible citizens are also allowed to apply through Unified Web Portal of PMAY-U 2.0 and register their demand under ISS vertical with all details on  the  portal  at  https://pmay-urban.gov.in  and  trace  their  application. Subsequently,  the  application  are  forwarded  to  the  concerned  Primary Lending Institutions (PLIs) for further necessary action and due diligence as per the eligibility criteria of the scheme. Based on the loan disbursed by a  PLI  to  beneficiaries,  the  subsidy  is  released  by  the  CNAs  to  PLI  for subsequent transfer of the subsidy to the beneficiaries.

As per the scheme guidelines of PMAY-U 2.0, States/UTs are facilitating the  identified  eligible  EWS/LIG/MIG  beneficiaries  to  avail  the  benefit  of Interest  Subsidy  Scheme  by  organizing  loan  melas,  conduct  monthly review with PLIs to resolve challenges faced by beneficiaries in availing the benefit of the scheme. In order to facilitate awareness and benefit of the  scheme  among  the  beneficiaries,  PLIs  display  the  details  of  the scheme  along  with  the  contact  details  at  their  respective  branches  for smooth disbursement of loan and interest subsidy.

CLSS vertical of PMAY-U for EWS/LIG was operational from the inception of PMAY-U till 31.03.2022. CLSS for MIG initially operational from 01.01.2017 to 31.12.2017, was extended subsequently and finally ended on 31.03.2021. 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.

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State/UT-wise along with income-group and category-wise details of beneficiaries of CLSS vertical of PMAY-U

(₹ in Cr.)

|                             |                             |                             | 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              | 867.60                   | 36,399                        | 611.06                 | 29,122                        | 1,478.66                 | 65,521                        |
| 2                           |                             | Bihar                       | 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                        |
| Sub- total (States) :-      | Sub- total (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           | 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                           |
| 25                          |                             | Mizoram                     | 37.54                    | 2,080                         | 2.12                   | 139                           | 39.65                    | 2,219                         |
| 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                         |
| Sub- total (N.E. States) :- | Sub- total (N.E. States) :- | Sub- total (N.E. States) :- | 136.51                   | 6,427                         | 61.67                  | 3,178                         | 198.18                   | 9,605                         |
| 29 A&N Island               | 29 A&N Island               | 29 A&N Island               | 0.35                     | 14                            | 0.22                   | 10                            | 0.56                     | 24                            |
| 30                          | Territories                 | Territories                 | 15.59                    | 648                           | 13.19                  | 608                           | 28.78                    | 1,256                         |
|                             |                             | Chandigarh                  |                          | 6,736                         | 11.85                  |                               |                          |                               |
| 31 32                       |                             | DNH&DD Delhi                | 163.12 412.83            | 16,893                        | 279.70                 | 582 13,083                    | 174.97 692.53            | 7,318 29,976                  |
| 33                          |                             | J&K                         | 59.16                    | 2,814                         | 11.66                  | 618                           | 70.82                    | 3,432                         |
| 34                          |                             | Ladakh                      | 0.91                     | 48                            | 0.07                   | 6                             | 0.98                     | 54                            |
| 35                          |                             | Puducherry                  | 32.77                    | 1,466                         | 13.71                  | 686                           | 46.48                    | 2,152                         |
| Sub- total (UT) :-          | Sub- total (UT) :-          | Sub- total (UT) :-          | 684.74                   | 28,619                        | 330.39                 | 15,593                        | 1,015.12                 | 44,212                        |
| Grand Total: -              | Grand Total: -              | Grand Total: -              | 45,983.84                | 18,95,903                     | 12,884.61              | 6,08,317                      | 58,868.45                | 25,04,220                     |

Annexure-II State/UT-wise along with income-group and category-wise details of beneficiaries of ISS vertical of PMAY-U 2.0

(₹ in Cr.)

|                             |                             | 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                           |
| States 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                           |
| 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                            |
| States 23                   | Manipur                     | 0.00                                                   | 1                      | -                             | -                        | 0.00    | 1                             |
| 24                          | Meghalaya                   | 0.00                                                   | 1                      | -                             | -                        | 0.00    | 1                             |
| East 25                     | Mizoram                     | -                                                      | -                      | -                             | -                        | -       | -                             |
| North 26                    | Nagaland                    | -                                                      | -                      | -                             | -                        | -       | -                             |
| 27                          | Sikkim                      | -                                                      | -                      | -                             | -                        | -       | -                             |
| 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 Territories A&N Island   | 29 Territories A&N Island   | 0.00                                                   | 1                      | -                             | -                        | 0.00    | 1                             |
|                             | Chandigarh                  | 0.06                                                   | 18                     | 0.00                          | 1                        | 0.06    | 19                            |
| 30                          | DNH&DD                      | 0.75                                                   | 220                    | 0.10                          | 30                       | 0.85    | 250                           |
| 31 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                          |                             |                                                        | -                      |                               | -                        | -       | -                             |
| 35                          | Ladakh                      | -                                                      |                        | -                             |                          |         | 16                            |
| Union                       | Puducherry                  | 0.03                                                   | 11                     | 0.02                          | 5                        | 0.05    |                               |
| Sub- total (UT): -          | Sub- total (UT): -          | 4.85                                                   | 1,384                  | 0.98                          | 278 8,185                | 5.83    | 1,662                         |
| Grand Total: -              | Grand Total: -              | 157.97                                                 | 40,327                 | 77.41                         |                          | 235.38* | 48,512                        |