Pradhan Mantri Home Loan – Interest Rates Jan 2018, EMI Eligibility Calculator

Are you looking for Pradhan Mantri Home Loan? Find Details on Interest Rates, Subsidy, Documents List, Eligibility, Per Month EMI, Lowest Down payment options, Loan amount for LIG and EWS. Interest subvention of 3% and 4% for loans of up to Rs 12 lakh and Rs 9 lakh, respectively under Prime Minister Awas Yojana (PMAY). Under the Pradhan Mantri Awaas Yojana, those belonging to the poor, lower middle and middle classes in cities will be eligible to four per cent discount on housing loans upto Rs 9 lakh. Loans of upto Rs 12 lakh will receive interest subvention of 3 per cent.
  1. Credit Linked Subsidy Scheme
  2. Subsidy Benefit
  3. Documents required for PMAY
  4. Eligibility for PMAY

Loan Amount


Annual income

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“Credit Linked Subsidy Scheme” for EWS and LIG categories under Pradhan Mantri Awas Yojana. The scheme was announced by our honourable Prime Minister Narendra Modi and envisages the vision of housing for all by the year 2022.

Who are the beneficiaries under this scheme

  1. Families who didn’t have pucca houses
  2. Economically weaker section (EWS) & Low Income Group (LIG)
  3. Families comprising husband, wife and unmarried children

Scheme features

  • Subsidy benefit of 6.5% p.a for first home buyers
  • In terms of Rupee a person can save upto 2.2 Lakh

Eligibility / Income Criteria

  1. EWS with an income of 3 lakh annual or lower
  2. LIG with an income of Between 3 to 6 lakhs annual

Pradhan Mantri Home Loan Trends 2018

Date Query Rising
06-02-2017 pradhan mantri awas yojana 2017 600%
05-02-2016 pradhan mantri awas yojana online 180%
04-02-2017 pradhan mantri home loan yojana 2017 140%
03-02-2017 pradhan mantri awas yojana 120%
02-02-2016 pradhan mantri home loan yojna 80%
01-02-2016 pradhan mantri awas yojana subsidy 60%
31.01.2017 pradhan mantri awas yojana 70%
31.01.2017 pradhan mantri home loan yojana 60%
30.01.2017 pradhan mantri awas yojana housing for all urban 40%
07.12.2016 pradhan mantri awas yojana in karnataka 40%
4.12.2016 pradhan mantri home loan yojana 150%
3.12.2016 pradhan mantri home loan yojana 170%
29.11.2016 modi home loan scheme 80%
27.11.2016 cheapest home loan 100%

3 thoughts on “Pradhan Mantri Home Loan – Interest Rates Jan 2018, EMI Eligibility Calculator

  • April 3, 2017 at 12:53 pm

    can i take the subsidy under Credit Linked Subsidy Scheme in following condition
    1- I purchase flat by any builder ?
    2 I take home loan from any bank for above query?

    • April 6, 2017 at 5:53 pm

      Yes You can purchase the any builder flat. more than 70 banks and 3 housing finance companies offering CLSS Scheme.

  • June 2, 2017 at 10:08 am

    pmay se 12 lac ka home loan 20 saal ke liye lene par emi kya hogi


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