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PM CLSS Awas Portal (CLAP) : Online Registration, Objectives, Eligibility & Benefits

Short Brief : क्रेडिट-लिंक्ड सब्सिडी सर्विसेज अवास पोर्टल – [Apply Online] Credit-linked Subsidy Services Awas Portal (CLAP) 2020 – PM CLSS Awas Portal (CLAP) Online Registration, PMAYU CLAP Application Form, Eligibility, Calculating Subsidy at Clap Portal,
Features, Benefits and Check Track / Search Online Application Status at Official Website https://pmayuclap.gov.in/.

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Short Portal Details
Name of Portal: Credit-linked Subsidy Services Awas Portal

Application Status: Active

Portal Benefit: Providing subsidy

Table of Content
Published on: 07/14/2020
Updated on: 09/10/2020

क्रेडिट-लिंक्ड सब्सिडी सर्विसेज अवास पोर्टल: CLSS Awas Portal 2020 Latest News Updates

Latest Update News: CLSS Awas Portal (CLAP) has a tracking system for beneficiaries to track their application status after entering Application ID Cxxxxxxxxxxx and an OTP code ( Note:- CLAP will send Applicant ID and and OTP code on registered mobile number of borrower/co-borrower)

CLSS PM Awas CLAP Portal 2020 Apply Online

Summary: The Union Government launched the Credit-linked Subsidy Services Awas Portal (CLAP) of Pradhan Mantri Awas Yojana-Housing for All (Urban) on November 25, 2019.

Along with portal, the Union Ministry of Housing and Urban Affairs (MHUA) also launched Global Housing Technology Challenge (GHTC)-India to accomplish ‘Housing For All Mission’.

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The portal was launched along with the signing of agreements between the Union Housing Affairs Ministry and state governments for the construction of LightHouse projects under GHTC-India.

केंद्रीय आवास और शहरी मामलों के मंत्री, हरदीप सिंह पुरी ने लॉन्च के दौरान कहा कि पोर्टल लाभार्थियों की शिकायत को अधिक व्यापक और संगठित तरीके से संबोधित करने में मदद करेगा।

All Candidates who are willing to apply online application then download official notification and read all eligibility criteria and application process carefully. We will provide short information about “Credit-linked Subsidy Services Awas Portal 2020” like Portal Benefit, Eligibility Criteria, Key Features of Portal, Application Status, Application process and more.

Credit-linked Subsidy Services PM CLSS Awas Portal 2020 – Overview
Name of Portal Credit-linked Subsidy Services Awas Portal (CLAP)
in Language क्रेडिट-लिंक्ड सब्सिडी सर्विसेज अवास पोर्टल
Launched by Ministry of Housing and Urban Affairs
Scheme Under Pradhan Mantri Awas Yojana (Urban)
Beneficiaries All of the beneficiaries of PMAY
Major Benefit Provide Financial Support
Portal Objective Providing subsidy
Portal under State Government
Name of State All India
Post Category Portal/ Yojana
Official Website https://pmayuclap.gov.in/
Important Dates
Event Dates
Launched Date November 25, 2019.
Starting Date to Apply Online Available Now
Last Date to Apply Online Not Yet Declared
Important Links
Event Links
Apply Online Registration Login
Subsidy Calculator
Click Here
Track Assessment Form [Search by Name] Click Here
Credit-linked Subsidy Services Awas Portal 2020 Official Website

CLAP Portal at pmayuclap.gov.in

About CLSS Awas Portal (CLAP) : The CLAP aims to provide a transparent and robust real-time web-based monitoring system for the beneficiaries of the Credit-linked Subsidy Services (CLSS) as through the portal people seeking to avail housing subsidy under Pradhan Mantri Awas Yojna (PMAY)-Urban will be able to track their applications.

CLSS for EWS/LIG and MIG segment

CLSS Scheme Details:

Particulars EWS LIG MIG I MIG II
Scheme Duration
17.06.2015 to 31.03.2022
01.01.2017 to 31.03.2020
Household Income (Rs.) Upto 3,00,000/- 3,00,001/- to 6,00,000/- 6,00,001/- to 12,00,000/- 12,00,001/- to 18,00,000/-
Dwelling Unit Carpet Area (Up to) in sq. m 30# 60# 160 200
Interest Subsidy (% p.a.)
6.5%
4.0% 3.0%
Maximum Loan Tenure
15 Years (17.06.2015 to 31.12.2016)
Not Applicable
20 Years (01.01.2017 Onwards)
Eligible Housing Loan Amount for Interest Subsidy (Rs)* 6,00,000/- 9,00,000/- 12,00,000/-
Discounted Rate for Net Present Value (NPV) calculation 9%
Upfront Amount for Subsidy (Rs.) for a 20 Year Loan 2,67,280/- 2,35,068/- 2,30,156/-
Savings in Monthly EMI (Rs.) Approx. @ Loan Interest of 10% 2,500/- 2,250/- 2,200/-
Total Savings (Rs.) Approx. 6,00,000/- 5,40,000/- 5,28,000/-

Interest subsidy is credited upfront to the loan accounts of beneficiaries through Primary Lending Institutions resulting in reduced effective housing loan and Equated Monthly Instalment (EMI). Net Present Value (NPV) of the interest subsidy is calculated at a discount rate of 9 %.

# The beneficiary, at his/her discretion, can build a house of larger area but interest subvention would be limited to first Rs. 6 lakh only.
* Loans beyond this limit will not get interest subvention.

Credit Linked Subsidy Scheme for EWS/LIG

Beneficiaries of Economically Weaker section (EWS) and Low Income Group (LIG) seeking housing loans from Banks, Housing Finance Companies and other such institutions are eligible for an interest subsidy at the rate of 6.5% for tenure of 20 years or during tenure of loan whichever is lower.

Credit Linked Subsidy Scheme for MIG

The CLSS for MIG covers two income segments in the MIG viz. Rs.6,00,001 to Rs.12,00,000 (MIG-I) and Rs.12,00,001 to Rs.18,00,000 (MIG-II) per annum. In MIG-I, interest subsidy of 4% has been provided for loan amounts upto Rs.9 lakh while in MIG-II, interest subsidy of 3% has been provided for loan amounts upto Rs.12 lakh.

CLSS Tracker

Individuals will not have to run to banks to check the status of their application. There are 5 stages which have been incorporated in CLSS tracker as mentioned below.

  • Application ID generated
  • Due diligence by PLI
  • Claim uploaded on Central Nodal Agency Portal
  • Subsidy claim approved
  • Subsidy released to PLI

Light House projects

The Light House projects are model housing projects that are built using shortlisted alternate technology along with physical and social infrastructure facilities suitable to the geo-climate and hazard conditions of the region.

Objectives of CLSS Awas Portal

The CLAP portal aims to provide a transparent and robust real-time web-based monitoring system for the beneficiaries of the Credit-linked Subsidy Services (CLSS). The CLAP portal will help the beneficiaries to track their application status & calculating subsidy online in real-time. The portal will provide a transparent real-time monitoring system for the credit-linked subsidy services.

Credit-linked Subsidy Services Awas Portal Online Registration Process

Step to Apply Online Credit-linked Subsidy Services Awas Portal 2020

Step 1- Visit the Official Website Credit-linked Subsidy Services Awas Portal i.e. https://pmayuclap.gov.in/.

Step 2- On Homepage, Click on option of clss tracker.

Step 3- Application Form page will displayed on screen.

Step 4- Enter your application number on the space provided below.

Step 5- An OTP will be sent on your registered mobile number.

Step 5- Enter the OTP.

Step 5- Click on Get Status.

Step 6- The status will be displayed on your screen.

Calculating Subsidy at Clap Portal

Step 1- First, Click on calculate your subsidy Link : calculate your subsidy.

Step 2- On the webpage select your desired figures from-

  • Annual Family Income
  • Loan Amount
  • Tenure(Months)

Step 3-  As soon as you will select all of the details, the Subsidy amount will be displayed on the left side of the webpage.

Procedure to File a Grievance

Step 1- Visit the Official Website Credit-linked Subsidy Services Awas Portal i.e. https://pmayuclap.gov.in/.

Step 2- On Homepage, Click on the “grievance” option

Step 3- Go to the grievance option and select “lodge public grievance

Step 4- If you are not registered then click “Click here to register” option

Step 5- Fill the registration form and register yourself first

Step 6- Sign in with the portal by using login id and password

Step 7- Again, go to the grievance option and select “lodge public grievance

Step 8- Now fill the form and click save option.

Procedure to View Status of a Grievance

Step 1- Visit the Official Website Credit-linked Subsidy Services Awas Portal i.e. https://pmayuclap.gov.in/.

Step 2- Click on the grievance” option

Step 3- Again, Go to the grievance option available in the menu bar

Step 4- Select view status option

Step 5- Enter registration number, email or mobile number and security code

Step 6- Click submit and status will show on the screen

Important Document for CLAP Portal

Required Document to Apply Online

  • Aadhar card
  • Voter ID card
  • Caste certificate
  • Domical certificate
  • Below the poverty line certificate

CLSS Awas Portal Eligibility Criteria

Beneficiary Guidelines

The backward category and low-income group people who are eligible avail the benefits of the subsidy with the amount of subsidy is mentioned in the following table:-

Category Annual Household Income Minimum Carpet Area (sq.mt) Reduction in EMI per month Overall Savings (INR)
EWS Upto Rs. 3 lakh 60 sq.mt Rs. 2500 More than 6 lakh
LIG Rs. 3 to 6 lakh 60 sq.mt Rs. 2500 More than 6 lakh
MIG-I Rs. 6 to 12 lakh 160 sq.mt Rs. 2250 More than 5.4 lakh
MIG-II Rs. 12 lakh to Rs. 18 Lakh 200 sq.mt Rs. 2200 More than 5.3 lakh

Major Benefits of PM CLSS Awas Portal

Beneficiary Benefits

  • The portal would also benefit the other stakeholders to work in unity to release subsidy to the beneficiaries on time.
  • Beneficiaries will also be able to receive application status through SMS alert at different stages.
  • Through CLAP, Aadhaar verification and De-duplication of beneficiaries will be done at the time of submission of application at PLI.

Key Features of PM CLSS Awas Portal

Portal Feature

  • Credit Linked Subsidy is central sector scheme under Pradhan Mantri Awas Yojana (Urban) wherein interest subsidy on home loan is provided through CNAs and PLIs to the EWS/LIG/ MIG beneficiaries for purchase, construction or enhancement of house.
  • To address these issues, Ministry of Housing and Urban Affairs, Government of India in consultation with all stakeholders has developed a web based real time monitoring system CLSS Awas Portal (CLAP).
  • CLAP is a common platform where all stakeholders such as MoHUA, CNAs, PLIs, Beneficiaries and Citizens are integrated.
  • CLAP has a tracking system for beneficiaries to track their application status through unique ID starting from submission of application till subsidy release.
  • CLAP software will enable in processing of individual application, verification at initial stage, timely release of subsidy, transparency and minimizing grievances.

Helpline Number

  • Phone No: 011-23063285,011-23060484
  • Email: pmaymis-mhupa@gov.in
  • MIS: https://pmaymis.gov.in,
  • Website: https://mohua.gov.in
  • Toll Free Number-NHB (clssim@nhb.org.in)- 1800-11-3377, 1800-11-3388/ HUDCO (hudconiwas@hudco.org) 1800-11-6163/ SBI (clss.pmayurban@sbi.co.in) 1800-11-2018

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