The Pradhan Mantri Awas Yojana (PMAY) is a government initiative that provides affordable housing under the Credit Linked Subsidy Scheme (CLSS). To streamline the process, the government launched the CLSS Awas Portal (CLAP). This guide will help you track the status of your PMAY unit on the CLAP portal.
What is a credit linked subsidy scheme (CLSS)?
The credit linked subsidy scheme (CLSS) is a government initiative to make housing more affordable. Its objectives include promoting home ownership, enhancing housing accessibility, supporting PMAY, and targeting different income groups.
Through CLSS, eligible beneficiaries receive subsidies on home loan interest, easing the burden of repayment.
Also Read: A Complete Guide on CLSS
How to Get PMAY CLSS Subsidy 2025?
From the submission of your PMAY Credit-Linked Subsidy Scheme (CLSS) application to the release of the subsidy, your application goes through the following five stages on the CLSS Awas Portal (CLAP):
CLSS Tracker Stage 1: Application ID Generation
- Once your application is submitted, you will receive an SMS notification with an 11-digit alphanumeric application ID for tracking.
CLSS Tracker Stage 2: Due Diligence by Primary Lending Institution (PLI)
- Your bank or lending institution reviews your application and prepares your file.
- This file is then forwarded to either the National Housing Bank (NHB) or the Housing and Urban Development Corporation (HUDCO).
- When this stage turns green on the CLAP portal, it indicates that the process is in progress.
CLSS Tracker Stage 3: Claim Uploaded on Central Nodal Agency (CNA) Portal
- At this stage, NHB or HUDCO starts processing your subsidy claim.
CLSS Tracker Stage 4: Subsidy Claim Approved
- Your PMAY CLSS application is successfully approved.
CLSS Tracker Stage 5: Subsidy Transferred to PLI
- The subsidy amount is transferred from NHB or HUDCO to your bank (PLI).
- The subsidy is credited to your home loan account, reducing your loan burden.
Instead of visiting the bank frequently to check your subsidy status, you can track it online using the CLSS Awas Portal (CLAP) at https://pmayuclap.gov.in/ to see exactly where your application stands.
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What is the CLSS Awas Portal (CLAP)?
The CLSS Awas Portal (CLAP) is an online platform designed to help beneficiaries track their application status under the Pradhan Mantri Awas Yojana’s Credit-Linked Subsidy Scheme (PMAY-CLSS). This scheme provides financial assistance in the form of interest subsidies on home loans for individuals seeking to construct a new house or renovate an existing one.
Borrowers taking home loans ranging between ₹6 lakh and ₹12 lakh can benefit from lower interest rates under this scheme. Those eligible for the subsidy can conveniently check their application status online through the CLSS Awas Portal (CLAP) by visiting https://pmayuclap.gov.in/.
Also Read: Mistakes to Avoid While Applying to PMAY
How to Calculate Subsidy on the CLAP Portal?
To determine your subsidy under the Pradhan Mantri Awas Yojana’s Credit-Linked Subsidy Scheme (PMAY-CLSS), follow these steps on the CLSS Awas Portal (CLAP):
- Visit the PMAY CLAP portal at https://pmayuclap.gov.in/.
- Navigate to the subsidy calculation section.
- Enter the required details:
Annual Family Income
Loan Amount
Tenure (in months) - View the calculated subsidy amount instantly.
How to Check PMAY Subsidy 2025 on CLAP?
Follow these steps to track the status of your PMAY Credit-Linked Subsidy Scheme (CLSS) application on the CLSS Awas Portal (CLAP):
Step 1:
Visit the official CLAP portal at https://pmayuclap.gov.in/.
Step 2:
Locate the CLSS tracker on the homepage. Enter your 11-digit alphanumeric application ID and click on “Get Status.”
Step 3:
You will receive a one-time password (OTP) on your registered mobile number. Enter the OTP and click “Verify” to proceed.
Step 4:
Once verified, the screen will display your PMAY CLSS subsidy application status. The stages your application has successfully crossed will be highlighted in green. If your subsidy has already been released, all the stages will appear in green.
What is the eligibility criteria for CLSS?
Income Criteria: Beneficiaries are categorized based on their household income into EWS, LIG, MIG-I and MIG-II, and others.
| Category | Household Income Threshold |
|---|---|
| EWS | Up to ₹3 lakh annually |
| LIG | ₹3 lakh to ₹6 lakh annually |
| MIG-I | ₹6 lakh to ₹12 lakh annually |
| MIG-II | ₹12 lakh to ₹18 lakh annually |
Meeting these income criteria is crucial to be eligible for CLSS subsidies.
- Applicant’s citizenship: Applicants must be Indian citizens to qualify for CLSS benefits.
- Family ownership: Only families that do not own a pucca house (a permanent dwelling unit) are eligible for CLSS subsidy.
- Property size and location: The property for which CLSS subsidy is sought must meet certain size and location criteria as specified by the scheme guidelines.
- Loan criteria: CLSS subsidy applies to home loans for purchasing or constructing residential properties within specified limits.
- Valid documentation: Required documents include proof of identity (Aadhar card, PAN card), income proof (salary slips, tax returns), residence proof (utility bills), and property documents (sale agreement).
- Compliance with PMAY guidelines: Beneficiaries must adhere to the broader guidelines of the Pradhan Mantri Awas Yojana (PMAY), under which CLSS operates, to qualify for the subsidy.
- Adherence to lender’s policies: Applicants must meet any additional eligibility criteria set forth by the lending institution offering the home loan under CLSS.
What is the fee to apply for CLSS?
The government has not permitted any private entity or individual to charge fees for providing benefits under the PMAY scheme. Citizens are advised to remain vigilant and verify any concerns with official ministry authorities to avoid potential fraud.
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PMAY 2025: Helpline numbers to inquire about CLSS
For doubts about PMAY-U, write an email or call at the following numbers:
| Contact Information | Details |
|---|---|
| Director (HFA-5) | Ministry of Housing and Urban Affairs |
| Office Address | Room number 118, G Wing, NBO Building, Nirman Bhawan, New Delhi-110011 |
| Phone Numbers | 011-23060484, 011-23063285 |
| pmaymis-mhupa@gov.in, grievance-pmay@gov.in | |
| Toll-Free Numbers | NHB: 1800-11-3377, 1800-11-3388 HUDCO: 1800-11-6163 |
Conclusion
he CLSS Scheme 2025 under the Pradhan Mantri Awas Yojana (PMAY) continues to play a crucial role in making homeownership more affordable for eligible beneficiaries. By understanding how the Credit Linked Subsidy Scheme (CLSS) works, applicants can effectively track their subsidy status and ensure a smooth application process.
With clear guidelines on PMAY CLSS home loan eligibility and PMAY CLSS eligibility, prospective homeowners can take advantage of this initiative to reduce their loan burden through interest subsidies.
For personalized assistance, you can turn to experts like Credit Dharma.
Frequently Asked Questions
The Credit Linked Subsidy Scheme (CLSS) is a component of the Pradhan Mantri Awas Yojana (PMAY) that offers interest subsidies on home loans to eligible beneficiaries.
To avail a subsidy of up to ₹2.67 lakh, you must meet the eligibility criteria under the CLSS, which includes specific income brackets and other conditions.
While PMAY is the overarching housing initiative, CLSS specifically focuses on providing interest subsidies to make home loans more affordable.
You can check your CLSS application status by visiting the official CLSS Awas Portal (CLAP) at [https://pmayuclap.gov.in/], entering your application ID, and following the on-screen instructions.
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