{"id":1870,"date":"2022-10-27T21:33:16","date_gmt":"2022-10-27T16:03:16","guid":{"rendered":"https:\/\/www.enggrecruit.com\/blog\/?p=1870"},"modified":"2022-10-27T21:34:41","modified_gmt":"2022-10-27T16:04:41","slug":"how-to-get-subsidy-on-own-house-pradhan-mantri-awas-yojana-subsidy-providing-bank-list","status":"publish","type":"post","link":"https:\/\/www.enggrecruit.com\/blog\/how-to-get-subsidy-on-own-house-pradhan-mantri-awas-yojana-subsidy-providing-bank-list\/","title":{"rendered":"How to Get Subsidy on own house | Pradhan Mantri Awas Yojana | Subsidy Providing Bank list"},"content":{"rendered":"<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><strong>How to Get Subsidy on own house | Pradhan Mantri Awas Yojana | Subsidy Providing Bank list:<\/strong> Our Honourable Prime Minister Shri Narendra Modi introduced the &#8220;Credit Linked Subsidy Scheme&#8221; (CLSS) under the Pradhan Mantri Awas Yojana (PMAY). By the year 2022, the plan envisions homes for everyone. Under the Pradhan Mantri Awas Yojana, ICICI Bank offers a &#8220;Credit Linked Subsidy Scheme.&#8221;<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"> Customers from the Economically Weaker Section (EWS), Lower Income Group (LIG), and Middle Income Group (MIG) are eligible for an interest subsidy on the purchase, building, expansion, or improvement of a home under this plan (MIG). &#8211;\u00a0<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-2729 size-full\" style=\"margin: var(--p-media-margin) auto; vertical-align: middle; font-size: 14px; font-family: 'Public Sans', system-ui, sans-serif;\" src=\"https:\/\/www.enggrecruit.com\/blog\/wp-content\/uploads\/2022\/10\/how-to-get-subsidy-on-own-house.png\" alt=\"How to Get Subsidy on own house | Pradhan Mantri Awas Yojana | Subsidy Providing Bank list\" width=\"1250\" height=\"720\" srcset=\"https:\/\/www.enggrecruit.com\/blog\/wp-content\/uploads\/2022\/10\/how-to-get-subsidy-on-own-house.png 1250w, https:\/\/www.enggrecruit.com\/blog\/wp-content\/uploads\/2022\/10\/how-to-get-subsidy-on-own-house-300x173.png 300w, https:\/\/www.enggrecruit.com\/blog\/wp-content\/uploads\/2022\/10\/how-to-get-subsidy-on-own-house-1024x590.png 1024w, https:\/\/www.enggrecruit.com\/blog\/wp-content\/uploads\/2022\/10\/how-to-get-subsidy-on-own-house-768x442.png 768w, https:\/\/www.enggrecruit.com\/blog\/wp-content\/uploads\/2022\/10\/how-to-get-subsidy-on-own-house-150x86.png 150w, https:\/\/www.enggrecruit.com\/blog\/wp-content\/uploads\/2022\/10\/how-to-get-subsidy-on-own-house-450x259.png 450w, https:\/\/www.enggrecruit.com\/blog\/wp-content\/uploads\/2022\/10\/how-to-get-subsidy-on-own-house-1200x691.png 1200w\" sizes=\"(max-width: 1250px) 100vw, 1250px\" \/><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Families with a husband, wife, and unmarried children are eligible to participate in the program. (In the MIG category, an adult earning member can be considered a typical household regardless of marital status.)<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a92d2f63b7fe\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a92d2f63b7fe\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.enggrecruit.com\/blog\/mahabharat-all-episode-in-hindi\/#Credit_Linked_Subsidy_Scheme_%E2%80%93_EWS_LIG\" >Credit Linked Subsidy Scheme &#8211; EWS \/ LIG<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.enggrecruit.com\/blog\/mahabharat-all-episode-in-hindi\/#Credit_Linked_Subsidy_Scheme_%E2%80%93_MIG\" >Credit Linked Subsidy Scheme &#8211; MIG<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.enggrecruit.com\/blog\/mahabharat-all-episode-in-hindi\/#ELIGIBILITY_AND_COVERAGE\" >ELIGIBILITY AND COVERAGE<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.enggrecruit.com\/blog\/mahabharat-all-episode-in-hindi\/#How_to_Get_Subsidy_on_own_house_Pradhan_Mantri_Awas_Yojana_Subsidy_Providing_Bank_list\" >How to Get Subsidy on own house | Pradhan Mantri Awas Yojana | Subsidy Providing Bank list<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.enggrecruit.com\/blog\/mahabharat-all-episode-in-hindi\/#Pradhan_Mantri_Awas_Yojana_is_divided_into_two_categories\" >Pradhan Mantri Awas Yojana is divided into two categories:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.enggrecruit.com\/blog\/mahabharat-all-episode-in-hindi\/#PMAY_CLSS_Eligibility\" >PMAY CLSS Eligibility<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.enggrecruit.com\/blog\/mahabharat-all-episode-in-hindi\/#Important\" >Important<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.enggrecruit.com\/blog\/mahabharat-all-episode-in-hindi\/#Pradhan_Mantri_Awas_Yojana_Bank_List_Eligibility\" >Pradhan Mantri Awas Yojana Bank List &amp; Eligibility<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.enggrecruit.com\/blog\/mahabharat-all-episode-in-hindi\/#Eligibility\" >Eligibility<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.enggrecruit.com\/blog\/mahabharat-all-episode-in-hindi\/#How_can_I_check_my_PMAY_subsidy_status\" >How can I check my PMAY subsidy status?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.enggrecruit.com\/blog\/mahabharat-all-episode-in-hindi\/#PMAY_Scheme_Guidelines\" >PMAY Scheme Guidelines<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.enggrecruit.com\/blog\/mahabharat-all-episode-in-hindi\/#Conclusion_-_How_to_Get_Subsidy_on_own_house\" >Conclusion:- How to Get Subsidy on own house<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Credit_Linked_Subsidy_Scheme_%E2%80%93_EWS_LIG\"><\/span><b>Credit Linked Subsidy Scheme &#8211; EWS \/ LIG<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The Government of India would offer qualified EWS\/LIG beneficiaries a credit-related interest subsidy of 6.50 percent for 15-20 years or the actual duration of the loan, whichever is lesser, under this initiative.<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li><span style=\"font-weight: 400;\"> Those who fall under the LIG (Low Income Group) and EWS (Economically Weaker Sections) categories. The following are the EWS\/LIG categories:<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Households with incomes between Rs. 3.00 lacs and Rs. 6.00 lacs \u2022 EWS households with an annual income up to Rs. 3.00 lacs<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> There is a maximum subsidy of Rs. 2.67 lacs available.<\/span><\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Credit_Linked_Subsidy_Scheme_%E2%80%93_MIG\"><\/span><b>Credit Linked Subsidy Scheme &#8211; MIG<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul style=\"text-align: justify;\">\n<li><span style=\"font-weight: 400;\"> The Ministry of Housing and Urban Poverty Alleviation (MoHUPA) of the Government of India has announced the &#8216;Credit Linked Subsidy Scheme (CLSS)&#8217; for Urban Areas under the Pradhan Mantri Awas Yojana.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"ELIGIBILITY_AND_COVERAGE\"><\/span><b>ELIGIBILITY AND COVERAGE<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul style=\"text-align: justify;\">\n<li><span style=\"font-weight: 400;\"> Either the residence should be in the sole name of the female household member or joint ownership with the wife. This criterion will not be enforced if a home is built on an existing plot or an existing Kuccha\/Semi-pucca house is extended or renovated.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> A pucca home should not be owned by the recipient family. &#8220;How to Get Subsidy on own house | Pradhan Mantri Awas Yojana | Subsidy Providing Bank list&#8221;<\/span><\/li>\n<\/ul>\n<p style=\"text-align: center;\"><strong><span style=\"color: #ff6600;\">Also Read<\/span>:- <a href=\"https:\/\/www.enggrecruit.com\/blog\/eligibility-and-procedure-of-lpg-gas-subsidy\/\"><span style=\"color: #333399;\">Eligibility And Procedure Of Gas Subsidy In India\u00a0<\/span><\/a><\/strong><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"How_to_Get_Subsidy_on_own_house_Pradhan_Mantri_Awas_Yojana_Subsidy_Providing_Bank_list\"><\/span><b>How to Get Subsidy on own house | Pradhan Mantri Awas Yojana | Subsidy Providing Bank list<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The Ministry of Housing and Urban Development has established a straightforward method for applying for a home under the program. <\/span>\n      <div class=\"Teckshop-related-posts\">\n                                    <div class=\"Teckshop-related-post\">\n                                        <div class=\"Teckshop-related-postimage\">\n                                            <a href=\"https:\/\/www.enggrecruit.com\/blog\/raksha-bandhan-photo-frames-app-create-beautiful-festival-photos\/\">\n                                                <img decoding=\"async\" width=\"150\" height=\"100\" src=\"https:\/\/www.enggrecruit.com\/blog\/wp-content\/uploads\/2026\/08\/Raksha-Bandhan-Photo-Frames-App-150x100.png\" class=\"Teckshop-rp-image wp-post-image\" alt=\"Raksha Bandhan Photo Frames App\" \/>\n                                            <\/a>\n                                        <\/div>\n                                        <div class=\"Teckshop-related-postcontent\">\n                                            <a class=\"Teckshop-rp-link\" href=\"https:\/\/www.enggrecruit.com\/blog\/raksha-bandhan-photo-frames-app-create-beautiful-festival-photos\/\">Raksha Bandhan Photo Frames App: Create Beautiful Festival Photos<\/a>\n                                        <\/div>\n                                    <\/div>\n                                  <\/div>\n        <\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The form is two pages long and needs a person to fill in all pertinent information about themselves. Here&#8217;s a quick rundown of what each of the pages looks like:<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Page 1:<\/b><span style=\"font-weight: 400;\"> On the first page, &#8220;Enter Aadhaar Number&#8221;. The application moves on to the next screen if the Aadhaar number is validated. The government utilizes an individual&#8217;s Aadhaar number to guarantee that they apply for the plan and do not cheat the system.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Page 2:<\/b><span style=\"font-weight: 400;\"> Fill in the applicant&#8217;s personal information. They must supply information about the state in which they currently reside, the head of the family, and their present address.<\/span><\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Pradhan_Mantri_Awas_Yojana_is_divided_into_two_categories\"><\/span><strong>Pradhan Mantri Awas Yojana is divided into two categories:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><b>The Economically Weaker Sections<\/b><span style=\"font-weight: 400;\"> (EWS), Middle Income Groups (MIGs), and Lower Income Groups (LIGs) are considered beneficiaries under the Housing for All by 2022 Scheme under the Other 3 Components. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The yearly income ceiling for the EWS is Rs.3 lakh. Besides, the maximum annual income for LIG is between Rs.3 lakh and Rs.6 lakh.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Now the annual income ceiling for MIG is between Rs.6 lakh and Rs.18 lakh. In contrast, MIG and LIG categories can use the CLSS component. EWS, on the other hand, is eligible for support across all verticals.<\/span>\n      <div class=\"Teckshop-related-posts\">\n                                    <div class=\"Teckshop-related-post\">\n                                        <div class=\"Teckshop-related-postimage\">\n                                            <a href=\"https:\/\/www.enggrecruit.com\/blog\/gujarat-samaras-hostel-admission-2026-samras-gujarat-gov-in\/\">\n                                                <img decoding=\"async\" width=\"150\" height=\"100\" src=\"https:\/\/www.enggrecruit.com\/blog\/wp-content\/uploads\/2025\/05\/Gujarat-Samaras-Hostel-Admission-2025-150x100.png\" class=\"Teckshop-rp-image wp-post-image\" alt=\"Gujarat Samaras Hostel Admission 2025\" \/>\n                                            <\/a>\n                                        <\/div>\n                                        <div class=\"Teckshop-related-postcontent\">\n                                            <a class=\"Teckshop-rp-link\" href=\"https:\/\/www.enggrecruit.com\/blog\/gujarat-samaras-hostel-admission-2026-samras-gujarat-gov-in\/\">Gujarat Samaras Hostel Admission 2026 @samras.gujarat.gov.in<\/a>\n                                        <\/div>\n                                    <\/div>\n                                  <\/div>\n        <\/p>\n<p style=\"text-align: justify;\"><b>Those who live in slums \u2013 <\/b><span style=\"font-weight: 400;\">A slum is defined as an area where 60 to 70 homes, or around 300 people, live in substandard housing. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">These areas have an unsanitary environment and lack proper infrastructure, drinking water, and sanitation facilities. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">These persons can apply for Pradhan Mantri Awas Yojana&#8217;s Housing for All by 2022 Scheme. &#8220;How to Get Subsidy on own house | Pradhan Mantri Awas Yojana | Subsidy Providing Bank list&#8221;<\/span><\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"PMAY_CLSS_Eligibility\"><\/span><b>PMAY CLSS Eligibility<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">There are 6,00,001 to 12 lac MIG-I households with an annual income of Rs 6,00,000.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The income of households in MIG-II is between Rs 12,00,001 and Rs 18 lacs.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">In the event of a married pair, one of the spouses or both in joint ownership will be eligible for a single residence, based on the household&#8217;s income eligibility.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">In any area of India, the recipient family should not possess a pucca home (all-weather dwelling unit) in their name or the name of any member of their family.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">For MIG-I recipients, the carpet area of the house should be up to 160 sq. Those of MIG-II get 200 square meters.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Within one year of the completion of construction or within 36 months of releasing the first installment of the loan amount, banks must present a consolidated certificate of completion of the housing unit. The Bank will reimburse the Subsidy amount to the CNA if the CNA fails to provide a utilization\/end usage certificate.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: center;\"><strong><span style=\"color: #ff6600;\">Also Read<\/span>:- <a href=\"https:\/\/www.enggrecruit.com\/blog\/how-to-check-your-name-in-pm-kisan-samman-nidhi-yojana-list\/\"><span style=\"color: #333399;\">How To Check Name In Kisan Samman Yojna<\/span><\/a><\/strong><\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Important\"><\/span><b>Important<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul style=\"text-align: justify;\">\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">If a borrower takes a Home Loan under the scheme and receives interest subvention but then changes to another Bank, the borrower will no longer be eligible for interest subvention.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Under this program, home loans would be accessible in the form of Term and Maxgain (for loan amounts of Rs. 20 lakh and more than that as per requirement ) with a max of 30 years. However, subsidies are only accessible for a maximum of 20 years.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">A principal-earning son or daughter can purchase a home and receive a separate subsidy for their first home. Eligible for the program is EWS \/ LIG loans approved on or after June 27, 2017.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Carpet Space: An apartment&#8217;s net usable floor area, omitting the area covered by exterior walls but including the room surrounded by the department&#8217;s internal partition walls.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Useful in the event of repairs and renovations<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Subsidy percentages range from 3% to 6.50 percent.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Pradhan_Mantri_Awas_Yojana_Bank_List_Eligibility\"><\/span><b>Pradhan Mantri Awas Yojana Bank List &amp; Eligibility<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">There are certain banks available that are eligible under this government scheme. &#8220;How to Get Subsidy on own house | Pradhan Mantri Awas Yojana | Subsidy Providing Bank list&#8221;<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Allahabad Bank<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Andhra Bank<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Bank of Baroda<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Canara Bank<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Bank of India<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Bank of Maharashtra<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Central Bank of India<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Corporation Bank<\/span><\/li>\n<\/ul>\n<p style=\"text-align: center;\"><strong><span style=\"color: #ff6600;\">Also Read:<\/span>&#8211; <a href=\"https:\/\/www.enggrecruit.com\/blog\/agneepath-yojana-kya-hai\/\"><span style=\"color: #333399;\">Agneepath Yojna In Hindi &#8211; Full Details\u00a0<\/span><\/a><\/strong>\n      <div class=\"Teckshop-related-posts\">\n                                    <div class=\"Teckshop-related-post\">\n                                        <div class=\"Teckshop-related-postimage\">\n                                            <a href=\"https:\/\/www.enggrecruit.com\/blog\/ramayan-all-episode\/\">\n                                                <img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"100\" src=\"https:\/\/www.enggrecruit.com\/blog\/wp-content\/uploads\/2026\/05\/Ramanand-Sagars-Ramayan-All-Episode-150x100.png\" class=\"Teckshop-rp-image wp-post-image\" alt=\"Ramayan All Episode\" \/>\n                                            <\/a>\n                                        <\/div>\n                                        <div class=\"Teckshop-related-postcontent\">\n                                            <a class=\"Teckshop-rp-link\" href=\"https:\/\/www.enggrecruit.com\/blog\/ramayan-all-episode\/\">Ramanand Sagar\u2019s Ramayan All Episode &#8211; The Legendary TV Epic (1987-1988)<\/a>\n                                        <\/div>\n                                    <\/div>\n                                  <\/div>\n        <\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Eligibility\"><\/span><b>Eligibility<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">To be eligible for the PMAY plan, the recipient household must have an annual income of up to 18 lakh rupees.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">In any area of India, the recipient family should not possess a pucca house in their name or the name of any member of their family.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The eligible household must not have received central assistance under any Government of India housing project or benefit under any PMAY plan.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">In a married couple, either spouse or both will be eligible for a single subsidy if they own their home together.<\/span><\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<td><b>CLSS Scheme Type<\/b><\/td>\n<td><b>EWS and LIG<\/b><\/td>\n<td><b>MIG 1 **<\/b><\/td>\n<td><b>MIG 2 **<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Eligibility Household Income ( Rs.)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to \u20b96,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b96,00,001 to \u20b912,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b912,00,001 to \u20b918,00,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Carpet Area-Max (sqm)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">60 sqm<\/span><\/td>\n<td><span style=\"font-weight: 400;\">160 sqm<\/span><\/td>\n<td><span style=\"font-weight: 400;\">200 sqm<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Interest Subsidy (%)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.5%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.00%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.00%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Subsidy calculated on a max loan of<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b96,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b99,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b912,00,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Loan Purpose<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Purchase\/Self Construction\/Extension<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Self-Construction\/Purchase<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Purchase\/Self Construction<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Validity of Scheme<\/span><\/td>\n<td><span style=\"font-weight: 400;\">31\/03\/2022<\/span><\/td>\n<td><span style=\"font-weight: 400;\">31\/03\/2021<\/span><\/td>\n<td><span style=\"font-weight: 400;\">31\/03\/2021<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Max Subsidy (Rs.)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.67 Lacs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.35 Lacs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2.30 Lacs<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Woman Ownership<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yes *<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not Mandatory<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not Mandatory<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"How_can_I_check_my_PMAY_subsidy_status\"><\/span><b>How can I check my PMAY subsidy status?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Follow the procedures outlined below to verify your PMAY subsidy status. &#8220;How to Get Subsidy on own house | Pradhan Mantri Awas Yojana | Subsidy Providing Bank list&#8221;<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">\u00a0<\/span><b>1:<\/b><span style=\"font-weight: 400;\"> Go to <\/span><a href=\"https:\/\/pmaymis.gov.in\/\"><span style=\"font-weight: 400;\">pmaymis.gov.in<\/span><\/a><span style=\"font-weight: 400;\">, the official website.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">\u00a0<\/span><b>2:<\/b><span style=\"font-weight: 400;\"> Select the option for Citizen Assessment.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">\u00a0<\/span><b>3:<\/b><span style=\"font-weight: 400;\"> Scroll down to the bottom of the menu and select the Track Your Assessment status option.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">\u00a0<\/span><b>4:<\/b><span style=\"font-weight: 400;\"> After selecting an option, you will be presented with two options: By Name, Father&#8217;s Name, and ID Type, or By Assessment ID.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">\u00a0<\/span><b>5:<\/b><span style=\"font-weight: 400;\"> To follow the status of your application, choose one of the two alternatives numbers<\/span>\n      <div class=\"Teckshop-related-posts\">\n                                    <div class=\"Teckshop-related-post\">\n                                        <div class=\"Teckshop-related-postimage\">\n                                            <a href=\"https:\/\/www.enggrecruit.com\/blog\/mahabharat-all-episode-in-hindi\/\">\n                                                <img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"100\" src=\"https:\/\/www.enggrecruit.com\/blog\/wp-content\/uploads\/2026\/05\/Mahabharat-All-Episode-in-Hindi-150x100.png\" class=\"Teckshop-rp-image wp-post-image\" alt=\"Mahabharat All Episode in Hindi\" \/>\n                                            <\/a>\n                                        <\/div>\n                                        <div class=\"Teckshop-related-postcontent\">\n                                            <a class=\"Teckshop-rp-link\" href=\"https:\/\/www.enggrecruit.com\/blog\/mahabharat-all-episode-in-hindi\/\">Mahabharat All Episode in Hindi B.R. Chopra\u2019s Mahabharat \u2013 The Complete Epic TV Series (1988-1990)<\/a>\n                                        <\/div>\n                                    <\/div>\n                                  <\/div>\n        <\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">\u00a0<\/span><b>6: <\/b><span style=\"font-weight: 400;\">The applicant can also follow the application status by entering the assessment ID and registering a cellphone number.<\/span><\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"PMAY_Scheme_Guidelines\"><\/span><b>PMAY Scheme Guidelines<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">* Ownership by a woman is not required for development or expansion.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">*As of the 15.03.2018 modification, an adult earning member (regardless of marital status) can be considered a typical household. In the event of a married pair, any spouse or both spouses in joint ownership will be eligible for a single residence, based on the household&#8217;s income eligibility under the system.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">**MIG-1 and MIG-2 loans must be granted on or after January 1, 2017.<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">For the MIG category, the beneficiary&#8217;s Aadhar number(s) require.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The interest subsidy will be offered for a maximum of 20 years or the loan length, whichever is shorter.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">HDFC will credit recipients&#8217; loan accounts with the Subsidy in advance, resulting in a lower effective housing loan and Equated Monthly Installment (EMI).<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The interest subsidy&#8217;s Net Present Value (NPV) will be computed using a 9% discount rate.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Any extra loans over the given restrictions, if any, will be charged at a non-subsidized interest rate.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">There is no limit on how much you may borrow or how much you can spend on a home.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Conclusion_-_How_to_Get_Subsidy_on_own_house\"><\/span><b>Conclusion:- How to Get Subsidy on own house<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">So these are the detailed answers to your question How to Get Subsidy on own house | Pradhan Mantri Awas Yojana | Subsidy Providing Bank list\u201d. Besides, we also discuss what Pradhan Mantri Awas yojana is. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Indeed, this scheme helps citizens to structure an eco-friendly house. You can check the Subsidy Providing Bank list&#8221; to know the advantages under certain circumstances.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">If you have any doubt related to our post How to Get Subsidy on own house then you can ask in the comment section below.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How to Get Subsidy on own house | Pradhan Mantri Awas Yojana | Subsidy Providing Bank list: Our Honourable Prime Minister Shri Narendra Modi introduced the &#8220;Credit Linked Subsidy Scheme&#8221; (CLSS) under the Pradhan Mantri Awas Yojana (PMAY). By the year 2022, the plan envisions homes for everyone. Under the Pradhan Mantri Awas Yojana, ICICI<\/p>\n","protected":false},"author":1,"featured_media":2729,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32,19,33],"tags":[652,653,654],"class_list":["post-1870","post","type-post","status-publish","format-standard","has-post-thumbnail","category-news","category-tech-guide","category-yojana","tag-house-subsidy","tag-how-to-get-subsidy-on-own-house","tag-pradhanmantri-avas-yojna"],"featured_image_src":"https:\/\/www.enggrecruit.com\/blog\/wp-content\/uploads\/2022\/10\/how-to-get-subsidy-on-own-house.png","author_info":{"display_name":"Parmar Rajnikant","author_link":"https:\/\/www.enggrecruit.com\/blog\/author\/enggrecruitblog\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.0 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Get Subsidy on own house | Pradhan Mantri Avas 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