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Credit Linked Subsidy Scheme under Pradhan Mantri Awas Yojana (Urban)-Housing for All Mission

What is Affordable Housing through Credit Linked Subsidy Scheme for EWS/ LIG?
Under Credit Linked Subsidy Scheme, beneficiaries of Economically Weaker Section (EWS) and Low-Income Group (LIG) can seek housing loans from Banks, Housing Finance Companies and other such institutions for acquisition/construction of house and enhancement to existing dwellings as incremental housing. The credit linked subsidy will be available only for loan amount upto Rs 6 lakhs and such loans would be eligible for an interest subsidy at the rate of 6.5 % for tenure of 20 years or during tenure of loan whichever is lower. The Net Present Value (NPV) of the interest subsidy will be calculated at a discount rate of 9%. Any additional loan amount beyond Rs. 6 lakhs will be at non subsidized rate. Interest subsidy will be credited upfront to the loan account of beneficiaries through Primary lending institutions resulting in reduced effective housing loan and Equated Monthly Instalment (EMI).

Following States List Available:
Andhra Pradesh PM Awas Yojana List
Arunachal Pradesh PM Awas Yojana List
Assam PM Awas Yojana List
Bihar PM Awas Yojana List
Chhattisgarh PM Awas Yojana List
Goa PM Awas Yojana List
Gujarat PM Awas Yojana List
Haryana PM Awas Yojana List
Himachal Pradesh PM Awas Yojana List
Jammu and Kashmir PM Awas Yojana List
Jharkhand PM Awas Yojana List
Karnataka PM Awas Yojana List
Kerala PM Awas Yojana List
Madhya Pradesh PM Awas Yojana List
Maharashtra PM Awas Yojana List
Manipur PM Awas Yojana List
Meghalaya PM Awas Yojana List
Mizoram PM Awas Yojana List
Nagaland PM Awas Yojana List
Odisha PM Awas Yojana List
Punjab PM Awas Yojana List
Rajasthan PM Awas Yojana List
Sikkim PM Awas Yojana List
Tamil Nadu PM Awas Yojana List
Telangana PM Awas Yojana List
Tripura PM Awas Yojana List
Uttar Pradesh PM Awas Yojana List
Uttarakhand PM Awas Yojana List
West Bengal PM Awas Yojana List

Union territories in India:

Andaman and Nicobar Islands PM Awas Yojana List
Chandigarh PM Awas Yojana List
Dadra and Nagar Haveli PM Awas Yojana List
Daman and Diu PM Awas Yojana List
Delhi PM Awas Yojana List
Ladakh PM Awas Yojana List
Lakshadweep PM Awas Yojana List
Puducherry PM Awas Yojana List


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