Credit-Linked Subsidy Scheme (CLSS) for Middle Income Group

Central GovtCategory: HousingMinistry: Ministry of Housing and Urban Affairs

Interest subsidy of 4% on home loans up to Rs. 9 lakh for MIG-I and 3% on loans up to Rs. 12 lakh for MIG-II households.

Eligibility criteria

  • Annual income Rs. 6-18 lakh

How to apply

Application mode: online · Official application portal

  1. Apply for home loan at any PLI — Loan application submitted
  2. PLI processes CLSS subsidy — Subsidy credited

Required documents

Required

  • Aadhaar Card — 12-digit UIDAI identification (Original or photocopy)
  • PAN Card — Permanent Account Number (Original or photocopy)
  • Income Certificate — Issued by Tehsildar (Recent)
  • Bank Account Passbook — Active bank account (First page)

Official source: https://pmaymis.gov.in/#home-loan-interest

Last verified: 23 June 2026

Your eligibility

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Compatibility with other schemes

Compatible schemes

You can claim this scheme alongside the following schemes.

  • Pradhan Mantri Awas Yojana - Urban (PMAY-U) — CLSS is a subset of PMAY-U interest subsidy mechanism