Ministry of Housing Narendra Modi

& Urban Affairs Prime Minister

Government of India
CREDIT LINKED SUBSIDY SCHEME
FOR MIDDLE INCOME GROUP (CLSS FOR MIG)

KEY HIGHLIGHTS OF THE SCHEME

Coverage Purpose Beneficiary
All the Statutory towns as per Census 2011 and towns Interest subsidy on housing A beneficiary family will comprise husband,
notified subsequently including Notified Planning/ loan for acquisition/ wife, unmarried sons and/or unmarried
Development Areas and the areas falling within notified construction of houses daughters. An adult earning member
Planning/Development area under the jurisdiction (including re-purchase) (irrespective of marital status) can be
of an Industrial Development Authority/Special Area treated as a separate household.
Development Authority/Urban Development Authority or
any such Authority under State legislation.

Eligibility
•  The beneficiary family should not own a pucca house (an all weather dwelling unit) either in his/her name or in the name of any member
of his/her family in any part of India.
• In case of married couple, either of the spouses or both together in joint ownership will be eligible for a single house, subject to income
eligibility of the household under the Scheme.
•  A beneficiary family should not have availed of central assistance under any housing scheme from Government of India

Carpet Area
Scheme will support acquisition/construction of houses (including re-purchase) upto 160 sq. mts. (for MIG-I) and upto 200 sq. mts for (MIG-
II) carpet area as per income eligibility with basic civic infrastructure like water, toilet, sanitation, sewerage, road, electricity, etc.

Scheme Details
Beneficiaries will be eligible for an interest subsidy with following features:

Particulars MIG I MIG II

Household Income (` p.a.) 6,00,001-12,00,000 12,00,001-18,00,000
Eligible housing loan amount for interest subsidy (`) 9,00,000 12,00,000

Interest Subsidy (% p.a.) 4% 3%

Dwelling Unit Carpet Area Upto 160 sq. mts. Upto 200 sq. mts.
*Benefits under these loans are available for a maximum loan tenure of 20 years.
Implementation
• Additional Loan beyond the specified limit, if any, will be at non-subsidized rate.
• Interest subsidy will be credited upfront to the loan account of beneficiaries through Primary Lending Institutions (PLIs) resulting
in reduced effective housing loan and Equated Monthly Installments (EMI).
•  PLIs are identified as Scheduled Commercial Banks, Housing Finance Companies, Regional Rural Banks, State Cooperative Banks,
Urban Cooperative Banks, Small Finance Banks, Non Banking Financial Company-Micro Finance Institutions
(NBFCs-MFIs) or any other institution as may be identified by the MoHUA.
• PLIs shall link the details of Aadhaar number(s) of beneficiary family to avoid duplication.

CENTRAL NODAL AGENCIES

National Housing Bank
(wholly owned by Reserve Bank of India)
Core 5-A, India Habitat Centre, Lodhi
Road, New Delhi 110 003,
Tollfree Helpline: 1800-11-3377/88
E-mail: clssim@nhb.org.in
Housing and Urban Development
Corporation Ltd.
(A Govt. of India Enterprise)
Core 7-A, India Habitat Centre, Lodhi
Road, New Delhi - 110 003,
Tollfree Helpline: 1800-11-6163
E-Mail: hudconiwas@hudco.org
State Bank of India
Real Estate & Housing Business Unit
PMAY-CNA Cell
9th Floor, Air India Building, Nariman Point,
Mumbai - 400021
Tollfree Helpline: 1800-11-2018
E-Mail: clss.pmayurban@sbi.co.in

Sab ka Sapna... Ghar ho Apna

CLSS_EWS_MIG_English leaflet.indd 1 03/Oct/2019 12:21:30 PM
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CLSS_EWS_MIG_English leaflet.indd 2 03/Oct/2019 12:21:31 PM