Ministry of Housing and Urban Affairs, Government of India has launched CLSS Awas portal on 25 November 2019 under Pradhan Mantri Awas Yojana Urban. On this portal i.e. pmayuclap.gov.in, the claimants can get various features like tracker, subsidy calculator with PMAY-U and also check eligibility. Applicants wishing to learn more about the CLSS Avas portal like the process of tracking CLSS interest subsidy applications, eligibility for home loans, and many more require you to read this article carefully till the end.
Central Government. has launched CLSS Awas portal (CLAP) under PM Awas Yojana Urban at pmayuclap.gov.in. On this portal, people can keep track of their CLSS interest subsidy application. On this CLAP portal, PMAY-U beneficiaries can avail facilities like CLSS tracker, subsidy calculator and even check their eligibility.
CLSS Awas Portal Highlights
| Name of the portal | CLSS Awas Portal |
| launched by | Ministry of Housing and Urban Affairs |
| Portal launched on | 25th November 2019 |
| Website address | pmayuclap.gov.in |
PMAY Urban aims to provide affordable housing to the urban poor by 2023. One of the areas under the PM Awas Yojana Mission is Credit Linked Subsidy Scheme. The CLSS covers eligible beneficiaries under the EWS / LIG / MIG categories to avail interest subsidy on home loans. The advance interest subsidy under the CLSS component of PM Awas Yojana Urban ranges from 3% to 6.5%. The CLAP portal is a transparent and robust real-time web-based monitoring system for CLSS beneficiaries.
Features of CLSS Awas Portal
- MoHUA, CNA, PLIs, a common platform for beneficiaries and citizens
- Now Aadhaar verification and de-duplication of beneficiaries will be done at the time of submitting the application
- You can track the CLSS interest subsidy application on the CLAP portal
- CLAP is not able to process individual applications,
- CLAP is enabled for early stage verification,
- CLAP is enabling timely release of subsidies,
- CLAP is able to reduce transparency and complaints
CLSS Tracker on CLAP Portal – PMAY Urban
The CLSS Tracker is designed, developed and implemented for its CLSS borrower / co-borrower to track the status of their application for the CLSS interest rate. People can now easily track their interest subsidy on the CLAP portal at pmayuclap.gov.in. There are 5 steps that are included in the CLSS tracker:
- Application ID generated
- PLI due diligence
- Claim uploaded on Central Nodal Agency Portal
- Subsidy Claim Approved
- Subsidy issued to PLI
The person will not have to go to the banks to check the status of their application for the CLSS subsidy amount. The CLAP software will send the status of CLSS interest subsidy application for the borrower as well as the PLI to its mobile number registered in the CLAP portal.
PMAY Urban Subsidy Calculator on CLAY Awas Portal
CLSS Eligibility for PMAY-U Home Loans
| Economically Weaker Sections (EWS) | Low Income Group (LIG) | Medium Income Group I (MIG-I) | Medium Income Group II (MIG-II) | |
|---|---|---|---|---|
| Annual Household Income | Upto Rs. 3 lakh | Rs. 3 to 6 lakh | Rs. 6 to 12 lakh | Rs. 12 lakh to Rs. 18 Lakh |
| Minimum Carpet Area (sq.mt) | 60 sq.mt | 60 sq.mt | 160 sq.mt | 200 sq.mt |
| Reduction in EMI per month | Rs. 2500 | Rs. 2500 | Rs. 2250 | Rs. 2200 |
| Overall Savings (INR) | More than 6 lakh | More than 6 lakh | More than 5.4 lakh | More than 5.3 lakh |
What is the CLSS component of PMAY U Housing Scheme?
Interest subsidy on home loans up to Rs 2.67 lakh per household is acceptable to the beneficiaries of Economically Weaker Section (EWS) / Low Income Group (LIG), Middle Income Group (MIG) -I and Middle Income Group (MIG-II Category). is. People can seek housing loans from banks, housing finance companies and other such institutions to obtain / construct housing.
Interest amount up to 6.5%, 4% and 3% on loan amount up to Rs. 6 lakhs, Rs. 9 lakhs and Rs. 12 lakhs are acceptable for a house with carpet area up to 60, 160 and 200 sqm. Meters for EWS / LIG, MIG I and MIG II respectively. The plan for the MIG category was till 31 March 2019 which has now been extended to 31 March 2020. Benefit for EWS / LIG beneficiaries under CLSS is Rs. 6 lakhs over a loan period of 20 years.