Note* : This scheme has been discontinued from 1st of April, 2022.


The Credit Linked Subsidy Scheme is under which interest subsidy is provided on home loans taken by eligible beneficiaries of Economically Weaker Section (EWS) and Low-Income Group (LIG) for the acquisition of houses by purchase/ re-purchase or construction of houses and for incremental housing.

  • Income norm: Annual household income of EWS beneficiaries should be Rs. 3 lakhs, while beneficiaries belonging to LIG should have an annual household income within Rs.6 lakhs.
  • Female ownership: The houses constructed/acquired under the scheme should be in the name of the female head of the household or in the joint name of the female head of the household.
  • No Pucca house: The beneficiary family/household 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.
  • Property to be located in statutory town: The property shall be located in statutory town and subsequent notified area as per the Ministry of House. Kindly click to get the updated link.
  • The beneficiary family/household should not have availed any benefits under any scheme of PMAY(U) mission.