PMAY 2.0 subsidy — agar aap sheher me apna pehla ghar kharidne ka sapna dekh rahe hain, to Pradhan Mantri Awas Yojana-Urban 2.0 ka Interest Subsidy Scheme (ISS) aapke home loan ko sasta bana sakta hai. August 2024 me approve hue is scheme ke tahat EWS, LIG aur MIG parivaron ko home loan par 4% byaaj subsidy milti hai — kul milakar ₹1.80 lakh tak ka fayda.
Dhyan rahe: purani CLSS (Credit Linked Subsidy Scheme) ab band ho chuki hai — EWS/LIG ke liye March 2022 me aur MIG ke liye usse pehle. Ab naya fayda sirf PMAY-U 2.0 ke ISS ke zariye milta hai, aur uska dhang purane CLSS se alag hai.
PMAY 2.0 Subsidy Kitni Milti Hai?
Subsidy ka hisaab seedha hai:
- Aapke home loan ke pehle ₹8 lakh par 4% salana byaaj subsidy milti hai (12 saal ki avadhi ke hisaab se gini hui).
- Kul subsidy ₹1.80 lakh tak seemit hai.
- Ye rashi ek saath nahi milti — 5 saal me 5 barabar kishton me (har saal ₹36,000 tak) seedha aapke loan account me DBT ke zariye jama hoti hai.
- Har kisht se loan ka principal ghatta hai, jisse aage ki EMI kam ho jaati hai.
Purane CLSS me subsidy ek baar me upfront milti thi; PMAY 2.0 subsidy 5 saalon me kishton me milti hai. Subsidy paane ke liye loan active rehna chahiye aur NPA nahi hona chahiye.
Kaun Eligible Hai? (Income Aur Limits)
Income limit (parivar ki salana aay):
- EWS: ₹3 lakh tak
- LIG: ₹3 lakh se ₹6 lakh tak
- MIG: ₹6 lakh se ₹9 lakh tak
Loan aur property ki seema:
- Home loan ₹25 lakh tak (is se zyada loan le sakte hain, lekin subsidy sirf pehle ₹8 lakh par ginegi)
- Ghar ki keemat ₹35 lakh tak
- Carpet area 120 sqm tak
- Loan 1 September 2024 ko ya uske baad sanction aur disburse hua ho — is se pehle ke loan eligible nahi hain
- Parivar (pati, patni aur avivahit bachche) ke kisi bhi sadasya ke naam pehle se pakka ghar nahi hona chahiye
- Ghar khud ke rehne ke liye ho (purchase, repurchase ya construction)
Mahilaon, SC/ST, divyangjan, varishth nagrikon aur slum/chawl me rehne walon ko scheme me prathmikta di jaati hai.
CLSS Aur ISS Me Antar
- CLSS (band): 3% se 6.5% tak subsidy, ek baar me upfront loan account me credit hoti thi.
- ISS (chaloo): 4% flat subsidy, 5 saal me kishton me DBT se milti hai.
- Dono me “pehli baar ghar kharidne wala” hona zaroori tha/hai.
Agar aapne CLSS ke band hone se pehle apply kiya tha aur mamla pending hai, to use purane portal par track kar sakte hain — naye application ab sirf PMAY 2.0 subsidy (ISS) ke tahat honge.
Apply Kaise Karein?
- Official portal pmay-urban.gov.in par jaakar ISS ke tahat application bharein — ya nazdeeki CSC (Common Service Centre) se madad lein.
- Aadhaar (aavedak + parivar), bank account details, income proof aur property/loan ke kagaz taiyar rakhein.
- Application aapke lending bank/HFC ko bheji jaati hai; bank eligibility verify karke subsidy claim karta hai.
- Subsidy manzoor hone par kishten seedha loan account me aati hain.
Home loan lene ki poori taiyari ke liye Home Loan Kaise Lein guide dekhein, aur loan jaldi chukane ke fayde samajhne ke liye Home Loan Prepayment wala lekh padhein.
Ek Zaroori Salah
Subsidy ke chakkar me apni capacity se zyada mehenga ghar na lein. ₹25 lakh loan ki seema ke andar rehna, 20% down payment ki taiyari, aur EMI ko monthly income ke 30–35% se neeche rakhna — ye teen niyam subsidy se bhi zyada keemti hain.
PMAY 2.0 subsidy scheme ki official guidelines aur online application pmay-urban.gov.in par uplabdh hain.
Yeh sirf jaankari hai, financial advice nahi hai. Loan lene se pehle bank ke terms dhyan se padhein.