Eligibility Criteria under CLSS

To avail subsidy under Pradhan Mantri Awas Yojana CLSS scheme, the eligibility criteria are defined for Lower Income Group/Economically Weaker Section (EWS/LIG) and Middle Income Group (MIG – I & II)

CLSS Eligibility Criteria:

  • An applicant/family/household should not own a pucca house in any parts of the country either in his name or any of his family member’s name
  • An applicant must not have availed any central/state assistance under any housing scheme from Government of India ever
  • One adult female membership is mandatory in the property ownership
  • Property should be co-owned by a female member of the family
  • Location of the property should fall under all statutory towns as per 2011 census and their adjacent planning area (updated by the government from time to time)

*A beneficiary family comprises husband, wife, unmarried sons and/or unmarried daughters.

ParticularCLSS – EWS/LIG
Household Income (P.A)Upto6 Lakhs
Tenor for calculating subsidy amount20 Years (earlier 15 years)
Documentation requirementAadhar of an applicant, co-applicant, adult household members is must
House UpgradationCovered

Here are some scenarios to help you determine as which scheme will be applicable to your household:

  • There are four members in family i.e. husband, wife, and 2 children. Everyone is adult in the family. The cumulative household income is 10 lacs as father earns 4 lacs, one child earns 3 lacs and the other earns 3 lacs. Wife is not earning - in current scenario, the annual income criteria is not met, hence, not eligible under EWS/LIG scheme. However, he can apply under MIG scheme.
  • Children get married. The spouse of first child is non-earning and the spouse of second child is earning 4 lacs per Annum. In such scenario, the following shall be remembered: Both married children have their separate household now.

    As the household Income of first child is 3 lacs, hence it clears the income criteria under EWS/LIG Scheme.

    Household income of second child is more than 6 lacs, hence, does not clear income criteria under EWS/LIG, but clears under MIG Scheme.

    The initial household from which the two children originally belonged is left with the annual income of 4 lacs, hence, they clear the income criteria laid down under EWS/LIG scheme.

  • Husband, wife and unmarried child annually earns Rs. 4 Lac, 3 Lac and 15 lac respectively. Which category would they fall in?

    As the definition under EWS scheme mentions that household means husband, wife and unmarried children – The case does not fulfill income criteria laid under EWS/LIG Scheme.

    Under MIG the definition of Household income is “husband, wife and unmarried children” Also, an adult earning member may be treated as separate household”.

    In this case, the earning adult member may obtain CLSS benefit under MIG II category and his mother and father can claim interest subsidy under MIG I category.

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