Blog
By Lucratus CFO Services Pvt Ltd
March 06, 2025
Credit Linked Subsidy Scheme (CLSS)
Own Your Dream Home with Ease
Get Interest Subsidy on Home Loans!
The Credit Linked Subsidy Scheme (CLSS) under Pradhan Mantri Awas Yojana – Urban (PMAY-U 2.0) makes homeownership more affordable by providing interest subsidies on home loans to economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG). The Interest Subsidy Scheme (ISS) is a key component that facilitates housing loans at subsidized interest rates.
Broad features and eligibility criteria
Parameters |
EWS/LIG/MIG |
Annual House hold income (₹) |
Up to ₹9 lakh |
Interest Subsidy (% P.A.) |
4.0% |
Maximum Housing Loan eligible (₹) |
₹25 lakh |
Maximum House Value |
₹35 lakh |
Maximum Carpet area (up to) in sqm |
120 |
Maximum benefit of interest subsidy (₹) – Actual Release |
₹1.80 lakh |
Maximum benefit of interest subsidy (₹) - NPV |
₹1.50 lakh |
Subsidy Disbursement |
Five equal yearly instalments |
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For requirement of housing loan and subsidy related assistance, feel free to contact Lucratus CFO Services Private Limited
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