Credit-Linked Subsidy Scheme : Home Loan Scheme Adopted by States

Credit-Linked Subsidy Scheme : Home Loan Scheme Adopted by States

GOVERNMENT OF INDIA 
MINISTRY OF HOUSING AND URBAN AFFAIRS

RAJYA SABHA 

UNSTARRED QUESTION NO. 1042
TO BE ANSWERED ON JULY 28, 2021

HOME LOAN SCHEMES ADOPTED BY STATES

NO. 1042. SHRI VINAY DINU TENDULKAR

Will the Minister of HOUSING AND URBAN AFFAIRS be pleased to state:

(a) the names of States which have adopted the schemes initiated by Government to provide home loans for purchase/construction of homes during the last three years and the details of said schemes thereof;

(b) the number of beneficiaries of such schemes during the last three years; and

(c) the State-wise details thereof?

ANSWER
THE MINISTER OF STATE IN THE MINISTRY OF HOUSING AND URBAN AFFAIRS

(SHRI KAUSHAL KISHORE)

Home Loan Scheme Adopted by States
(a) to (c) Government provides interest subsidy on home loans under Credit-Linked Subsidy Scheme (CLSS) vertical of the Pradhan Mantri Awas Yojana - Urban (PMAY-U). Under CLSS, there is an interest subsidy of 6.5 % for EWS/ Low Income Group (LIG), 4% for Middle Income Group-I (MIG-I) and 3% for Middle Income Group-II (MIG-II), calculated on housing loan up to ₹6 lakh, ₹9 lakh and ₹12 lakh, respectively, over a loan tenure of 20 years.CLSS for MIG was launched with effect from 01.01.2017, initially for one year and was extended up to 31.03.2021. State wise number of beneficiaries under CLSS vertical during the last three years i.e. F.Y. 2018-19 to 2020-21are at Annexure – I.
Further, as informed by Ministry of Rural Development (MoRD), Rural Housing Interest Subsidy Scheme (RHISS) is being implemented with effect from 19th June, 2017 to provide interest subsidy to eligible households who avail housing loan for construction or modification of house in rural areas. Under the scheme, the interest subsidy is provided at the rate of 3% on the principal amount of the loan and the subsidy is admissible for a maximum loan amount of first ₹2.00 lakh, irrespective of the quantum of housing loan, for 20 years or full period of the loan, whichever is less. State wise number of beneficiaries under the scheme during the last three years are at Annexure – II. 

Annexure – I

Annexure-I referred in reply to Rajya Sabha Unstarred Question No. 1042 for 28.07.2021

State/UT wise details during last three years i.e. F.Y. 2018-19 to 2020-21 under Credit Linked Subsidy Scheme of PMAY-U

Sl No.

State

No. of Beneficiaries

1

A&N Island (UT)

22

2

Andhra Pradesh

46,150

3

Arunachal Pradesh

202

4

Assam

3,250

5

Bihar

13,656

6

Chandigarh (UT)

1,455

7

Chhattisgarh

19,983

8

UT of DNH & DD

4,071

9

Delhi (NCR)

22,331

10

Goa

3,871

11

Gujarat

3,23,790

12

Haryana

30,247

13

Himachal Pradesh

1,492

14

J&K (UT)

2,711

15

Jharkhand

11,919

16

Karnataka

78,576

17

Kerala

21,857

18

Ladakh (UT)

61

19

Lakshadweep (UT)

-

20

Madhya Pradesh

97,116

21

Maharashtra

3,36,772

22

Manipur

174

23

Meghalaya

725

24

Mizoram

838

25

Nagaland

30

26

Odisha

8,488

27

Puducherry (UT)

2,027

28

Punjab

28,556

29

Rajasthan

77,928

30

Sikkim

107

31

Tamil Nadu

75,930

32

Telangana

65,710

33

Tripura

2,095

34

Uttar Pradesh

1,07,206

35

Uttarakhand

12,449

36

West Bengal

53,773

Total

14,55,568

Annexure - II

Annexure-II  referred  in  reply  to  Rajya  Sabha  Unstarred  Question  No.  1042  for 28.07.2021

State/UT wise details during last three yearsunder Rural Housing Interest Subsidy Scheme

Sl No

State Name

No. of Beneficiaries

1

Andaman and Nicobar Islands

0

2

Andhra Pradesh

193

3

Arunachal Pradesh

0

4

Assam

1

5

Bihar

44

6

Chhattisgarh

222

7

Dadra and Nagar Haveli

0

8

Goa

1

9

Gujarat

875

10

Haryana

1

11

Himachal Pradesh

0

12

Jammu and Kashmir

0

13

Jharkhand

0

14

Karnataka

338

15

Kerala

6

16

Lakshadweep

0

17

Madhya Pradesh

150

18

Maharashtra

1339

19

Manipur

1

20

Mizoram

0

21

Nagaland

0

22

Odisha

1

23

Punjab

1

24

Rajasthan

24

25

Sikkim

0

26

Tamil Nadu

730

27

Telangana

74

28

Tripura

0

29

Uttar Pradesh

2799

30

Uttarakhand

0

31

West Bengal

202

Total

7002

नोट :- हमारे वेबसाइट www.indiangovtscheme.com पर ऐसी जानकारी रोजाना आती रहती है, तो आप ऐसी ही सरकारी योजनाओं की जानकारी पाने के लिए हमारे वेबसाइट www.indiangovtscheme.com से जुड़े रहे।
*****

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