Home Loan Interest Subsidy – भारत सरकार द्वारा PM Awas Yojana (PMAY) और Credit Linked Subsidy Scheme (CLSS) के तहत home buyers को Interest Subsidy दी जाती है, जिससे घर खरीदना affordable बन जाता है। 2026 में सरकार ने Urban + Rural दोनों housing categories में subsidy benefits को सरल कर दिया है ताकि ज़्यादा परिवार अपना घर खरीद सकें।
इस guide में मिलेगा—
✔ CLSS kya hai?
✔ PMAY Home Loan Subsidy 2026 details
✔ Interest rate benefits
✔ Eligibility, documents
✔ Online apply process
✔ Bank list & repayment benefits
✔ FAQs
What is Home Loan Interest Subsidy 2026? (होम लोन ब्याज सब्सिडी क्या है?)
Home Loan Interest Subsidy एक ऐसी financial assistance है जिसमें eligible households को home loan पर interest rate में राहत (subsidy) मिलती है। इससे:
- EMI कम हो जाती है
- Total loan cost काफी कम हो जाता है
- Home buying आसान बन जाता है
2026 में PMAY + CLSS के माध्यम से 6.5% तक की subsidy available है।
Types of Subsidies — PMAY + CLSS 2026
1. PM Awas Yojana (Urban/Rural) Subsidy
- Economically weaker families को घर बनवाने/खरीदने में सहायता
- Up to ₹2.5 lakh तक benefit
- Loan subsidy + construction assistance दोनों
2. CLSS – Credit Linked Subsidy Scheme
- Eligible borrowers को Interest Rate Subsidy दी जाती है
- Up to 6.5% subsidy (different categories EMI relief)
CLSS Subsidy Categories 2026
1. EWS (Economically Weaker Section)
- Annual income: ₹3 lakh तक
- Subsidy rate: 6.5%
- Loan limit: ₹6 lakh तक subsidy applicable
2. LIG (Lower Income Group)
- Annual income: ₹3–6 lakh
- Subsidy rate: 6.5%
3. MIG-I (Middle Income Group-I)
- Annual income: ₹6–12 lakh
- Subsidy rate: 4%
- Max loan considered: ₹9 lakh
4. MIG-II (Middle Income Group-II)
- Annual income: ₹12–18 lakh
- Subsidy rate: 3%
- Max loan considered: ₹12 lakh
Home Loan Interest Subsidy 2026 Table
| Category | Annual Income | Subsidy (%) | Max Loan Considered | Max Subsidy Amount |
|---|---|---|---|---|
| EWS | Up to ₹3 lakh | 6.5% | ₹6 lakh | ~₹2.67 lakh |
| LIG | ₹3–6 lakh | 6.5% | ₹6 lakh | ~₹2.67 lakh |
| MIG-I | ₹6–12 lakh | 4% | ₹9 lakh | ~₹2.35 lakh |
| MIG-II | ₹12–18 lakh | 3% | ₹12 lakh | ~₹2.30 lakh |
Benefits of Home Loan Interest Subsidy 2026
Major Benefits
- ✔ EMI में 40–50% तक कमी
- ✔ Total interest payment काफी घट जाता है
- ✔ First-time home buyer को बड़ा फायदा
- ✔ Women applicants के लिए priority
- ✔ Urban + Rural दोनों के लिए benefit available
Financial Benefits
- ₹2.35–2.67 lakh तक subsidy directly loan account में adjust होती है
- आपकी EMI खुद-ब-खुद कम हो जाती है
- Loan तेजी से repay हो जाता है
Eligibility Criteria (2026)
Basic Eligibility
- भारतीय नागरिक
- Applicant or family के नाम कोई pucca house नहीं होना चाहिए
- First-time home buyer प्राथमिक पात्र
- Aadhaar linking required
- Home loan must be from PMAY-approved bank or HFC
Family Definition (परिवार की परिभाषा)
- Husband
- Wife
- Unmarried children
Who Can Apply for CLSS + PMAY Subsidy?
- Salaried employees
- Self-employed लोग
- Small business owners
- किसान (PMAY-Gramin)
- Women applicants
- Widows & Divyang also eligible
Documents Required for Subsidy
A. Identity Documents
- Aadhaar Card
- PAN Card
- Address Proof
B. Income Documents
- Salary Slip / ITR
- Bank Statement
- Self-declaration (EWS/LIG)
C. Property Documents
- Builder agreement
- Land papers
- Property map
- Allotment letter
D. Loan Documents
- Loan sanction letter
- EMI schedule
- Bank KYC
How to Apply For Home Loan Interest Subsidy 2026
नीचे दिए गए steps follow करें:
Step 1 – Choose PMAY/CLSS Registered Bank
More than 200 banks & HFCs included.
Step 2 – Apply for Home Loan
Bank आपके income category के अनुसार loan sanction करेगा।
Step 3 – CLSS Subsidy Application Form Fill करें
Bank ही आपकी subsidy application submit करता है।
Step 4 – Documents Verification
Central Nodal Agency (CNA) verification करती है।
Step 5 – Subsidy Disbursement
- Approved subsidy directly आपके loan account में आती है
- Loan principal reduce हो जाता है
- EMI भी कम हो जाती है
List of Major Banks Offering CLSS/PMAY Subsidy
- SBI
- HDFC Bank
- ICICI Bank
- PNB
- Bank of Baroda
- Axis Bank
- IDBI Bank
- LIC Housing Finance
- Canara Bank
- Union Bank
- Kotak Mahindra Bank
Home Loan EMI Example After Subsidy
Example:
Loan Amount: ₹10,00,000
Category: EWS/LIG
Subsidy: ₹2,67,000
New Loan Amount: ₹7,33,000
EMI automatically reduces by 30–45%
Mistakes to Avoid While Applying
- Wrong income category choose न करें
- Property approval check करना न भूलें
- Incomplete documents जमा न करें
- Broker या agent के चक्कर में न पड़ें
- गलत bank से loan न लें (always choose PMAY-registered)
Latest Updates 2026
- Online tracking portal ज्यादा simplified
- Women joint ownership compulsory in many states
- MIG categories के लिए subsidy expected extension
- Rural housing loan approval process fast
- Aadhaar eKYC mandatory for approval
FAQs – Home Loan Interest Subsidy 2026
Q1. CLSS Subsidy कितने समय में मिलती है?
60–120 days में subsidy loan account में credit हो जाती है।
Q2. क्या दूसरा घर खरीदने पर subsidy मिलती है?
नहीं, subsidy केवल first-time home buyer को मिलती है।
Q3. क्या rental house लेने वालों को subsidy मिलेगी?
नहीं, subsidy सिर्फ home purchase/construction पर मिलती है।
Q4. क्या women applicants को फायदा है?
हाँ, priority approval + PMAY benefits मिलते हैं।
Q5. क्या मैं किसी भी bank से loan लेकर subsidy ले सकता हूँ?
नहीं, केवल PMAY/CLSS registered banks से लिए loan पर subsidy मिलती है।
Q6. MIG category में कितनी subsidy मिलती है?
MIG-I में 4% और MIG-II में 3% subsidy मिलती है।
Q7. क्या NRI लोग subsidy ले सकते हैं?
नहीं, subsidy केवल Indian residents के लिए है।
Conclusion
Home Loan Interest Subsidy 2026 (CLSS + PMAY) middle-class और low-income families के लिए बहुत बड़ा financial support है। अगर आप नया घर लेना चाहते हैं तो:
- सही income category चुनें
- PMAY-approved bank से loan लें
- CLSS subsidy form जरूर भरें
इससे आपकी EMI काफी कम हो जाएगी और घर खरीदना आसान हो जाएगा।