pmayuclap.gov.in: CLSS Awas CLAP Portal, Subsidy Calculator, Status

CLSS Awas CLAP Portal | Subsidy Calculator | Status | CLASS Awas is basically a Credit Linked Subsidy Scheme under Pradhan Mantri Awas Yojana (Urban)(PMAY-U) also known as pmayuclap. CLSS Awas CLAP portal is the online platform through information and services are delivered to the beneficiaries. This Scheme is under Pradhan Mantri Yojana. It primarily helps the Middle-Income groups, Economically Weaker Sections and Lower-Income groups. The government wants to provide all these groups with affordable houses. They are also offering subsidy for house construction and reconstruction.

The Prime Minster launched this scheme on 25th June 2015 as a component under Pradhan Mantri Awas Yojana (Urban), which aims to provide housing to all till 2022. To complete this aim some agencies are put together such as Central Nodal Agencies(CNAs) and State /Union Territories (UTs). The Size of house for Economically Weaker Section is 30 sq.mt as per center guidelines but State/UTs can alter it accordingly.

The best thing in this scheme is that, women empowerment is also propagated by the Government. Under the guidelines it is mandatory to make women (who is head of the family) owner or co-owner of the house. It is an initiative under this scheme.

CLSS Awas Portal- CLAP

CLSS Awas is implemented as a central sector scheme, whereas the other attached schemes will be implemented as sponsored scheme. The CLSS will be initiated to the people through two agencies namely, National Housing Bank and Housing Urban Development Corp. It will not only provide credit flow but also provide affordably priced housing.

This Scheme is basically for the citizens belonging to less previliged section of society like Low-Income groups who are not much affluent to but a house. They can get housing loans under Pradhan Mantri Awas Yojana Scheme. They can borrow loan for construction of house or adding a new part to the already constructed house too.

The allotted interest subsidy will be 6.5 % for over a tenure of 20 years or till the time completion of loan. It will be selected on the basis of which ever is lower. on the basis of Income people whose salary is Rs 3 to 6 lakh annually can enjoy benefits of the scheme. There are certain specific categories who are guaranteed special preferences. Those are Women(Female head of the family), ST, SC, Backward Classes, minorities, people with disabilities and transgenders.

CLSS Awas CLAP Portal: Overview

In reference to the CLSS Awas Scheme, the officials have introduced a portal also known as CLAP in which various activities are carried out such as application tracking, subsidy , etc. The CLAP is an important portal through which the officials of Pradhan Mantri Awas Yojana carry out various other processes.

Name	CLSS AWAS SCHEME
Category	Central Govt. Scheme
CLSS	Credit Linked Subsidy Scheme
Launched under	Central Government
Launched by	Ministry of Housing & Urban Affairs
Launched on	25th November 2015
Category	Central Govt. scheme
Beneficiary	All the people with lower income
Mode of registration	Online
Objective	To provide housing to all by 2022
Provides	Interest subsidy for house loan
Portal	CLAP

CLSS Awas CLAP Portal: Features

The features of CLSS Awas Portal are:

• It has made the process much easier and clear to the common eye.
• Now can track the subsidy on Clap portal by just sitting at home.
• Verification is done on CLAP portal at the very starting by connecting Aadhaar card information
• The long hustle to visit the office of concerned authorities has gone now.
• The people can build their application id just by the portal itself
• Thus, reducing the grievances experienced by people.
• Finally, bringing transparency in system and trust between G2C.

CLSS Awas CLAP Portal: Details

Particulars	EWS	LIG	MIG I	MIG II
Scheme time duration	17-06-2015 to 31-03-2022	17-06-2015 to 31-03-2022	01-01-2017 to 31-03-2022	01-01-2017 to 31-03-2022
Household Income(Rs)	Up to 3 lakh	Up to 3 to 6 Lakh	Up to 6 to 12 lakh	Upto 12 to 18 lakh
Carpet Area (sq. m)	30*	60*	160	200
Interest subsidy (% p.a)	6.5 %	6.5 %	4.0%	3.0%
Eligible amount of Loan	6,00,000/-	6,00,000/-	9,00,000/-	12,00,000/-
Discount rate for NPV	9%	9%	9%	9%
Total Saving	6,00,000/-	6,00,000/-	5,40,000/-	5,28,000/-

CLSS Awas Portal (CLAP)

CLSS Awas Portal (CLAP) is a special web portal built by the Ministry of Housing Affairs. This portal is created to provide clarity to the system and work process. Therefore, NIC and CNA have worked together to create this secure and transparent system.

CLSS Tracker which is a feature in CLAP helps to check the application status of the user.CLAP software works on real-time support with the UIDAI, CNAs, PLIs and PMAY(U) MIS system for Aadhaar validation and duplication with other verticals of PMAY (U). It has decreased effort for the banks and its process. The subsidies are processed at a faster rate.

Verticals of PMAY(U)

There are four option provided under this scheme so it could cover people of every income category. They are provided scheme depending upon income generation.

• “In- Situ” Slum Redevelopment (ISSR)
• Credit Linked Subsidy Scheme (CLSS)
• Affordable Housing in Partnership (AHP)
• Beneficiary-led Individual house Construction / Enhancements (BLC)

Ownership of House

The ownership of the house is mandated by the government to the adult female member of the family under the guidelines issued. Either the ownership can totally be given to the adult female member or she can be the co-owner. It is also made necessary to have basic things in the house such as toilet. This has also empowered the women of society.

CLSS Awas Scheme: Eligibility Criteria

A citizen can avail this scheme under PMAY(U), if the user belongs to lower economy category such as EWS, LIG, or MIG and satisfy the given conditions-

Category	Annual income(Rs i lakh)	Carpet Area(Sq.m)	Eligible for scheme
Economically Weaker Section(EWS)	upto 3	30 sqm	AHP, BLC, CLSS, ISSR
Lower Income Group(LIG)	3-6	60 sqm	CLSS
Middle Income Group I(MIG-I)	6-12	160 sqm	CLSS
Middle Income group II(MIG-II)	12-18	200 sqm	CLSS

Eligible for the scheme under sub-divided category:

• Economically Weaker Section
  • This EWS category, whose family annual family income less than Rs.3 lakh.

• LIGs or Light Income Group
  • LIGs, those categories whose annual family income within Rs.3 lakh to Rs 6 lakh range.

• Medium Income Group-I
  • MIG1 annual income should be below Rs.12 lakh.
• Medium Income Group-II
  • The family yearly income should be in the range of Rs.12 to Rs.18 lakh.
  • A MIG II category subsidy will be 3% only.
• Minorities
  • Minority groups including SC/ ST/ OBC given more importance
• Women:
  • Women are an important part of the scheme.

Documents Required

In order to become beneficiary of the scheme, applier needs to have the following documents

• Identity Proof – Aadhaar Card
• Voter ID
• Certificate of category
• Domicial Certificate
• BPL certificate

How to track application status?

The beneficiary of the scheme has to follow the following steps in order to check application status.

• Visit the official website of CLSS Awas Scheme

• Once the homepage opens, search the CLSS Tracker option and click on the option.
• Once it opens, you need to fill in the details such as application number.
• Once you do that , an OTP will be generated on your registered mobile number.
• Then , enter that OTP code for verification
• Finally, click on Get Status.
• Further, the status will appear on your screen.

How to calculate PMAY Subsidy?

• Visit the official website
• From the homepage option click on Calculate your Subsidy.

• Then fill the PMAY Home Loan Credit Linked Subsidy details.
• Select the required details from the options:
  • Annual Family Income
  • Loan Amount
  • Tenure(Months)

• After filling all the details, the subsidy amount will be shown on your screen.

How to log in on CLSS Awas CLAP Portal?

• The consumer has to visit the official website of CLSS AWAS
• Once the website opens click on Login option

• A new dialogue box of login will appear on the screen
• Enter all the details
  • Username
  • Password
  • Captcha

• After fill in the details click on Login button.

Addressing Grievance

To file a grievance in reference to CLSS Awas Scheme :

• Visit the official website of CLSS AWAS
• On opening the website click on the option Grievance from the bottom of the page
• Hence, a grievance page will open
• Being a registered user, you can click on Lodge Public Grievance option
• Lodge you complaint and keep the grievance if to further check the status of the Grievance filed.

Grievance Application Status

You can easily check the grievance application by the following steps:

• Visit the official website
• From the bottom of the homepage click on Grievance option
• It will lead you to another page of Grievance.
• Here, click on option view status
• Then enter the details
  • Registration Number
  • Registered Email or Mobile number
  • Security code for verification
• Then click on submit button.
• The grievance status will be shown on your screen.

Contact Details

Contact number	011-23063285,011-23060484
Email ID	[email protected]
Address	Pradhan Mantri Awas Yojana (Urban) Ministry of Housing and Urban Affairs Nirman Bhawan, New Delhi-110011
Central Nodal Agency (SBI)	1800-11-2018
Central Nodal Agency SBI Email ID	[email protected]

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Important Links

Official Website	Click here
Subsidy calculator	Click here
Application Status	Click here
PMAY(U) Mobile App	Click here
CNA SBI List	Click Here