Credit Linked Subsidy Scheme for Middle Income Group
✓ Information verified — April 2026The Credit Linked Subsidy Scheme (CLSS) for Middle Income Group helps middle-class families buy or build their own homes. Run by the Ministry of Housing & Urban Affairs, this scheme provides financial support to eligible beneficiaries who take housing loans from banks and housing finance companies. The government gives you a subsidy on the interest you pay, making your home loan more affordable.
What You Get
- Interest subsidy on housing loans to reduce your monthly EMI (loan payment)
- Applicable for both new home purchase and home construction
- Can be used for home re-purchase as well
- Available through various banks and Housing Finance Companies
- Helps middle-income families afford better housing
Who Can Apply
- Age: 18–100 years
- Must belong to Middle Income Group (MIG) category
- Income limits apply based on annual household earnings
- Must be an Indian citizen
- First-time home buyer preference
- Property should be in India
- Loan amount should be within prescribed limits
Documents Needed
0/7 collected
- 1. Aadhaar Card
- 2. PAN Card
- 3. Income Certificate
- 4. Bank Passbook
- 5. Property Documents
- 6. Loan Approval Letter
- 7. Identity Proof
How to Apply
- 1Check your eligibility criteria above
- 2Gather all required documents listed below
- 3Visit the official portal (linked below)
- 4Fill the application form online / offline
- 5Submit the form and note your application reference number
- 6Track status on the official portal or visit nearest CSC
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Quick Facts
- Scheme Level
- Central Government
- Ministry
- Ministry Of Housing & Urban Affairs
- Category
- Housing
- Target Gender
- All genders
- Age Group
- 18–100 years
- Application
- Check portal
- Last Updated
- 26 Apr 2026
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