⚠️
Last updated: July 2026. Scheme status, income limits, and subsidy rates are subject to government updates.
Always verify current eligibility and application status at
pmaymis.gov.in
before applying.
🏠 Your Details
LIG — Auto Detected
ELIGIBLE for PMAY Subsidy
You qualify under the LIG category with a subsidy of up to ₹2,67,280
Subsidy Amount
₹2,67,280
LIG Category
EMI Without Subsidy
₹17,356
Per month
EMI With Subsidy
₹15,034
Save ₹2,322/mo
Total Interest Saved
₹5,57,280
Over 20 years
💡 Scheme Score & Decision Signals
100
/ 100
Excellent! You appear fully eligible and stand to gain significant subsidy. Apply through your bank immediately.
- Eligibility Status: LIGIncome falls within LIG range
- Subsidy Amount: ₹2,67,280Maximum available under LIG
- Monthly EMI Reduction: ₹2,322/monthSavings on reduced principal
- Total Interest Savings: ₹5,57,280 over tenureSubsidy + reduced EMI combined benefit
You qualify for ₹2,67,280 PMAY subsidy under LIG. Apply through any PMAY-listed bank — this reduces your EMI by ₹2,322/month and saves ₹5,57,280 in total interest over the loan tenure.
📋 How to Apply for PMAY Subsidy
- Visit any bank, NBFC, or HFC registered under PMAY (SBI, LIC HFL, HDFC, etc.)
- Apply for a home loan and mention you want PMAY CLSS subsidy
- Submit income proof, Aadhaar, PAN, and property documents
- Lender files subsidy claim with NHB / HUDCO on your behalf
- Subsidy is credited directly to your loan account (usually within 3–6 months)
- Track your application at pmaymis.gov.in
📊 PMAY Scheme Reference & Formula
| Category | Annual Income | Subsidy Rate | Eligible Loan Cap | Max Subsidy |
|---|---|---|---|---|
| EWS | Up to ₹3L | 6.5% | ₹6L | ₹2,67,280 |
| LIG | ₹3L – ₹6L | 6.5% | ₹6L | ₹2,67,280 |
| MIG-I | ₹6L – ₹12L | 4% | ₹9L | ₹2,35,068 |
| MIG-II | ₹12L – ₹18L | 3% | ₹12L | ₹2,30,156 |
EMI Formula:
Where P = principal, r = monthly interest rate, n = tenure in months
With Subsidy:
Effective Principal = Loan Amount − Subsidy Amount
New EMI = calculated on effective principal at same rate & tenure
Subsidy Amount:
Subsidy = min(actual subsidy, official maximum for category)
Official maximums: EWS/LIG ₹2,67,280 | MIG-I ₹2,35,068 | MIG-II ₹2,30,156
EMI = P × r × (1+r)^n / ((1+r)^n - 1)Where P = principal, r = monthly interest rate, n = tenure in months
With Subsidy:
Effective Principal = Loan Amount − Subsidy Amount
New EMI = calculated on effective principal at same rate & tenure
Subsidy Amount:
Subsidy = min(actual subsidy, official maximum for category)
Official maximums: EWS/LIG ₹2,67,280 | MIG-I ₹2,35,068 | MIG-II ₹2,30,156
Disclaimer: PMAY scheme details are as per publicly available information as of July 2025. Scheme status, income limits, and subsidy amounts are subject to change by the Government of India. This calculator provides indicative values only. Verify your eligibility and current scheme details at pmaymis.gov.in or with your bank/HFC before applying. CalcDesk is not affiliated with or endorsed by any government body.
❓ Frequently Asked Questions
To be eligible for PMAY (CLSS) subsidy in 2025, you must: (1) be a first-time home buyer with no pucca house anywhere in India, (2) have annual household income up to ₹18,00,000, and (3) fall under EWS (up to ₹3L), LIG (₹3L–₹6L), MIG-I (₹6L–₹12L), or MIG-II (₹12L–₹18L) categories. For EWS and LIG, female ownership or co-ownership is mandatory. The home loan must be taken from an approved bank, NBFC, or HFC.
PMAY CLSS subsidy amounts (maximum): EWS and LIG — up to ₹2,67,280 (6.5% on loan up to ₹6 lakh); MIG-I — up to ₹2,35,068 (4% on loan up to ₹9 lakh); MIG-II — up to ₹2,30,156 (3% on loan up to ₹12 lakh). The subsidy is an upfront credit to your loan account — it reduces your outstanding principal, lowering your EMI for the entire tenure.
Steps to apply: (1) Approach any PMAY-registered bank, NBFC, or HFC (SBI, HDFC, LIC HFL, PNB HFL, etc.); (2) Apply for a home loan and specifically request CLSS subsidy; (3) Submit Aadhaar, PAN, income proof, property documents, and a self-declaration of not owning a pucca house; (4) The lender verifies your eligibility and submits the subsidy claim to NHB or HUDCO; (5) Subsidy is credited to your loan account within 3–6 months. Track status at pmaymis.gov.in.
PMAY MIG has two sub-categories: MIG-I covers annual household income from ₹6,00,001 to ₹12,00,000 with 4% interest subsidy on loans up to ₹9 lakh (max subsidy ₹2,35,068). MIG-II covers ₹12,00,001 to ₹18,00,000 with 3% subsidy on loans up to ₹12 lakh (max subsidy ₹2,30,156). Incomes above ₹18L do not qualify for any PMAY category.
The PMAY CLSS scheme for EWS/LIG was active under PMAY-Urban. The MIG components had specific end dates that were extended multiple times. As of July 2025, please verify the current operational status of all sub-schemes directly at pmaymis.gov.in or by calling the PMAY helpline, as government scheme timelines can change without notice.
🔗 Related Calculators