नरेंद्र मोदी सरकार की प्रमुख आवास योजना प्रधानमंत्री आवास योजना से पूरे देश के लोगों को 4 मुख्य घटकों के माध्यम से लाभ मिल रहा है। हालांकि, पिछले महीनों में केंद्र सरकार ने PMAY के सबसे महत्वपूर्ण घटक में से एक को संशोधित किया है, जो कि क्रेडिट लिंक्ड सब्सिडी योजना या CLSS है।
इससे पहले CLSS केवल EWS और LIG के लिए लागू था लेकिन सरकार ने अब इसमें MIG की श्रेणी को भी शामिल कर लिया है। CLSS घटक के तहत, 2017 में आवास लोन लेने वालों को आय और अन्य मानदंडों के तहत होम लोन ब्याज दरों पर ब्याज सब्सिडी प्रदान की जा रही है। सैकड़ों बैंक और आवास वित्त कंपनियां PMAY के CLSS घटक के अंतर्गत योग्य लाभार्थियों को आवास लोन प्रदान कर रही हैं।
नीचे CLSS घटक के तहत EWS / LIG के लिए PMAY गृह लोन बैंकों की पूरी सूची है।
EWS / LIG के लिए PMAY होम लोन बैंकों की सूची
| S. No. | Name of PLI (Primary Lending Institution) | Website | PLI Code |
|---|---|---|---|
| HOUSING FINANCE COMPANIES | |||
| 1. | Aadhar Housing Finance Ltd. | www.aadharhousing.com | AADR1101 |
| 2. | Aditya Birla Housing Finance Ltd. | www.adityabirlahomeloans.com | BRLA1101 |
| 3. | Akme Star Housing Finance Ltd. | www.akmestarhousing.com | AKME1101 |
| 4. | Aptus Value Housing Finance India Ltd. | www.aptusindia.com | APTS1101 |
| 5. | Aspire Home Finance Corporation Ltd. | www.ahfcl.com | ASPR1101 |
| 6. | AU Housing Finance Ltd. | www.auhfin.in | AUHF1101 |
| 7. | Can Fin Homes Ltd. | www.canfinhomes.com | CANF1101 |
| 8. | Capital First Home Finance Ltd. | www.capfirst.com | CAPT1101 |
| 9. | Capri Global Housing Finance Private Limited | www.cgcl.co.in | CPRI1101 |
| 10. | Cent Bank Home Finance Ltd. | www.cbhfl.com | CENT1101 |
| 11. | Dewan Housing Finance Corporation Ltd. | www.dhfl.com | DHFL1101 |
| 12. | DHFL Vyasa Housing Finance Ltd. | www.dvhousing.com | DVYS1101 |
| 13. | DMI Housing Finance Pvt. Ltd. | www.dmihousingfinance.in | DMIH1101 |
| 14. | Edelweiss Housing Finance Ltd. | www.edelweissfin.com | EDEL1101 |
| 15. | Fast Track Housing Finance Pvt. Ltd. | www.fasttrackhfc.com | FAST1101 |
| 16. | Fullerton Home Finance Company Ltd. | www.fullertonindia.com | FULL1101 |
| 17. | GIC Housing Finance Ltd. | www.gichfindia.com | GICH1101 |
| 18. | GRUH Finance Ltd. | www.gruh.com | GRUH1101 |
| 19. | Habitat Microbuild India Housing Finance Company Pvt. Ltd. | www.microbuildindia.com | HABT1101 |
| 20. | HBN Housing Finance Ltd. | www.hbnhousing.com | HBNH1101 |
| 21. | Hinduja Housing Finance Limited | www.hindujahousingfinance.com | HIND1101 |
| 22. | Home First Finance Company India Pvt. Ltd. | www.homefirstindia.com | HOFT1101 |
| 23. | Housing and development Corporation Ltd. | www.hudco.org | HUDC1101 |
| 24. | Housing Development Finance Corporation Ltd. | www.hdfc.com | HDFC1101 |
| 25. | ICICI Home Finance Company Ltd. | www.icicihfc.com | ICIC1101 |
| 26. | India Bulls Housing Finance Ltd. | www.indiabullshomeloans.com | INDB1101 |
| 27. | India Home Loan Ltd. | www.indiahomeloan.co.in | INDH1101 |
| 28. | India Infoline Housing Finance Ltd. | www.iiflhomeloans.com | IIHF1101 |
| 29. | India Shelter Finance Corporation Ltd. | www.indiashelter.in | ISFC1101 |
| 30. | Khush Housing Finance Ltd. | www.khfl.co.in | KUSH1101 |
| 31. | L & T Housing Finance Ltd. | www.lthousingfinance.com | LNTH1101 |
| 32. | LIC Housing Finance Ltd. | www.lichousing.com | LICH1101 |
| 33. | Magma Housing Finance | www.magmahfc.co.in | MGMA1101 |
| 34. | Mahindra Rural Housing Finance Ltd. | www.mahindrahomefinance.com | MAHR1101 |
| 35. | Mamata Housing Finance Company Pvt. Ltd. | www.mamtahousingfinance.com | MAMT1101 |
| 36. | Manipal Housing Finance Syndicate Ltd. | www.manipalhousing.com | MNPL1101 |
| 37. | Mannappuram Home Finance Pvt. Ltd. | www.manappuram.com | MNPM1101 |
| 38. | MAS Rural Housing and Mortgage Finance Ltd. | www.mrhmfl.co.in | MASR1101 |
| 39. | Mentor Home Loans India Ltd. | www.mentorhousing.com | MENT1101 |
| 40. | Micro Housing Finance Corporation Ltd. | www.mhfcindia.com | MICR1101 |
| 41. | Muthoot Homefin(India) Ltd. |
www.muthootfinance.com | MUHL1101 |
| 42. | Muthoot Housing Finance Company Ltd. | www.muthootgroup.com | MUHF1101 |
| 43. | National Trust Housing Finance Ltd. | www.natrusthome.com | NATH1101 |
| 44. | New Habitat Housing Finance and Development Ltd. | www.newhabitat.in | NEWH1101 |
| 45. | Nivara Home finance limited | www.nivarahousing.com | NVRA1101 |
| 46. | North East Region Housing Finance Company Ltd. | www.nerhofic.co.in | NERH1101 |
| 47. | Orange City Housing Finance Ltd. | www.ochfl.com | OCHF1101 |
| 48. | Panthoibi Housing Finance Company Ltd. | www.phfcl.org.in | PAHF1101 |
| 49. | PNB Housing Finance Ltd. | www.pnbhousing.com | PNBH1 101 |
| 50. | RAAS Housing Finance (India) Ltd. | www.raashfc.com | RAAS1101 |
| 51. | Reliance Home Finance Ltd. | www.reliancehomefinance.com | RELH1101 |
| 52. | Religare Housing Development Finance Corporation Ltd. | www.religarehomeloans.com | RLGR1101 |
| 53. | Repco Home Finance Ltd. | www.repcohome.com | RPCO1101 |
| 54. | Sahara Housing Fina Corporation Ltd. | www.saharahousingfina.com | SAHA1101 |
| 55. | Saral Home Finance Ltd. | www.saraldhan.com | SARL1101 |
| 56. | SEWA Grih Rin Ltd. | www.sgrlimited.in | SEWA1101 |
| 57. | Shriram Housing Finance Ltd. | www.shriramhousing.in | SHRM1101 |
| 58. | Shubham Housing Development Finance Company Pvt. Ltd. | www.shubham.co | SUBM1101 |
| 59. | SRG Housing Finance Ltd. | www.srghousing.com | SRGH1101 |
| 60. | Sundaram BNP Paribas Home Finance Ltd. | www.sundarambnpparibashome.com | SBNP1101 |
| 61. | Supreme Housing Finance Limited | www.supremehomeloans.com | SUPH1101 |
| 62. | Swagat Housing Finance Company Ltd. | www.swagathfc.in | SWGT1101 |
| 63. | Swarna Pragati Housing Microfinance Private Limited | www.swarnapragatihousing.com | SWPR1101 |
| 64. | Tata Capital Housing Finance Ltd. | www.tatacapitalhfl.com | TATA1101 |
| 65. | USB Housing Finance Corporation Ltd. | www.usbhousing.in | USBH1101 |
| 66. | Vastu Housing Finance Corporation Ltd. | www.vastuhfc.com | VAST1101 |
| 67. | Viva Home Finance Ltd. | www.vivagroup.in | VIVA1101 |
| 68. | West End Housing Finance Limited | www.westendhfl.com | WEST1101 |
| 69. | Ummeed Housing Finance Private Limited | www.ummeedhfc.com | UMED1101 |
| 70. | IKF Housing Finance Private Limited | www.ikffinance.com | IKFL1101 |
| 71. | Centrum Housing Finance Ltd. | www.centrum.co.in | CTRM1101 |
| 72. | Manibhavnam Home Finance India Pvt. Ltd. | www.manibhavnam.com | MANI1101 |
| 73. | Bee Secure Home Finance Pvt. Ltd. | www.incred.com | BSEC1101 |
| 74. | IndoStar Home Finance Pvt. Ltd. | www.indostarcapital.com | INDO1101 |
| 75. | KIFS Housing Finance Pvt. Ltd. | www.kifshousing.com | KIFS1101 |
| PUBLIC SECTOR BANKS | |||
| S. No. | Public Sector Banks | Website | PLIcode |
| 1. | Allahabad Bank | www.allahabadbank.in | ALLA0101 |
| 2. | Andhra Bank | www.andhrabank.in | ANDB0101 |
| 3. | Bank of Baroda | www.bankofbaroda.co.in | BARB0101 |
| 4. | Bank of India | www.bankofindia.com | BKID0101 |
| 5. | Bank of Maharashtra | www.bankofmaharashtra.in | MAHB0101 |
| 6. | Canara Bank | www.canarabank.in | CNRB0101 |
| 7. | Corporation Bank | www.corpbank.com | CORP0101 |
| 8. | Dena Bank | www. denabank.co .in | BKDN0101 |
| 9. | IDBI Bank Ltd. | www.idbi.com | IBKL0101 |
| 10. | Indian Bank | www.indian-bank.com | IDIB0101 |
| 11. | Indian Overseas Bank | www.iob.in | IOBA0101 |
| 12. | Oriental Bank of Commerce | www.obcindia.co.in | ORBC0101 |
| 13. | Punjab & Sind Bank | www.psbindia.com | PSIB0101 |
| 14. | Punjab National Bank | www.pnbindia.in | PUNB0101 |
| 15. | State Bank of India* | www.sbi.co.in | SBIN0101 |
| 16. | Syndicate Bank | www. syndicatebank.in | SYNB0101 |
| 17. | UCO Bank | www.ucobank.com | UCBA0101 |
| 18. | Union Bank of India | www.unionbankonline.co.in | UBIN0101 |
| 19. | United Bank of India | www. unitedbankofindia .com | UTBI0101 |
| PRIVATE SECTOR BANKS | |||
| 1. | Axis Bank Ltd. | www.axisbank.com | UTIB0201 |
| 2. | DCB Bank Ltd. | www.dcbbank.com | DCBL0201 |
| 3. | ICICI Bank Ltd. | www.icicibank.com | ICIC0201 |
| 4. | Karnataka Bank Ltd. | www.karnatakabank.com | KARB0201 |
| 5. | Karur Vysya Bank Ltd. | www.kvb.co.in | KVBL0201 |
| 6. | Tamilnad Mercantile Bank Ltd. | www.tmb.in | TMBL0201 |
| 7. | Catholic Syrian Bank | www.csb.co.in | CSBK0201 |
| 8. | The Federal Bank Ltd. | www.federalbank.co.in | FDRL0201 |
| 9. | Yes Bank | www.yesbank.in | YESB0201 |
| 10. | Bandhan Bank Ltd. | www.bandhanbank.com | BAND0201 |
| 11. | IDFC Bank Ltd. | www.idfcbank.com | IDFC0201 |
| REGIONAL RURAL BANKS | |||
| 1. | Allahabad UP Gramin Bank | www.allahabadgraminbank.in | ALUP0301 |
| 2. | Andhra Pradesh Grameena Vikas Bank | www.apgvbank.in | APVB0301 |
| 3. | Andhra Pragati Grameena Bank | www.apgb.in | APGB0301 |
| 4. | Arunanchal Pradesh Rural Bank | www.apruralbank.com | ARUN0301 |
| 5. | Assam Gramin Vikas Bank | www.agvbank.co.in | ASVB0301 |
| 6. | Baroda Gujarat Gramin Bank | www.bggb.in | BGUJ0301 |
| 7. | Dena Gujarat Gramin Bank | www. dggb.co.in | DGUJ0301 |
| 8. | Karnataka Vikas Grameena Bank | www.kvgbank.com | KVGB0301 |
| 9. | Kerala Gramin Bank | www.keralagbank.com | KLGB0301 |
| 10. | Langpi Dehangi Rural Bank | www.ldrb.org | LNGP0301 |
| 11. | Madhya Bihar Gramin Bank | www.mbgbpatna.com | MBGB0301 |
| 12. | Maharashtra Gramin Bank | www.mahagramin.in | MAHA0301 |
| 13. | Manipur Rural Bank | www.manipurruralbank.com | MANI0301 |
| 14. | Mizoram Rural Bank | www.mizoramruralbank.com | MZRM0301 |
| 15. | Nagaland Rural Bank | Not Available | NAGA0301 |
| 16. | Narmada Jhabua Gramin Bank | www.njgb.in | NJGB0301 |
| 17. | Pragathi Krishna Gramin Bank | www.pragathikrishnabank.com | PKGB0301 |
| 18. | Saurashtra Gramin Bank | www.sgbrrb.org | SAUG0301 |
| 19. | Utkal Grameen Bank | www.ugb.co.in | UTKL0301 |
| 20. | Chhattisgarh Rajya Gramin Bank | www.cgbank.in | CHGR0301 |
| 21. | Tripura Gramin Bank | www.tripuragraminbank.org | TRIP0301 |
| 22. | Madhyanchal Gramin Bank | www.mgbank.co.in | MDYN0301 |
| 23. | Odisha Gramiya Bank | www.odishabank.in | ODGB030 1 |
| 24. | Kashi Gomti Samyut Bank | www.kgsgbank.co.in | KGSB0301 |
| 25. | Pallavan grama bank | www.pallavangramabank.in | PALV0301 |
| 26. | Pandyan Grama Bank | www.pandyangramabank.in | PYGB0301 |
| 27. | Uttar Bihar Gramin Bank | www.ubgb.in | UBGB0301 |
| 28. | Prathama Bank | www.prathamabank.org | PRAT0301 |
| 29. | Gramin Bank of Aryavart | www.aryavart-rrb. com | ARYA0301 |
| 30. | Baroda Uttar Pradesh Gramin Bank | www.barodagraminbank.com | BUPG0301 |
| 31. | Punjab Gramin Bank | www.pgbho.com | PUNG0301 |
| 32. | Kaveri Grameena Bank | www.kaverigrameenabank.com | KAVG0301 |
| 33. | Sarva Haryana Gramin Bank | www.shgb.co.in | SHRG0301 |
| 34. | Central Madhya Pradesh Gramin Bank | www.centralmpgraminbank.co m |
MPGB0301 |
| 35. | Chaitanya Godavari Grameena Bank | www.cggb.in | CGGB0301 |
| 36. | Vidharbha Kokan Gramin Bank | www.vkgb.co.in | VKGB0301 |
| 37. | Saptagiri Grameena Bank | www.saptagirigrameenabank.in | SGRB0301 |
| CO-OPERATIVE BANKS | |||
| 1. | Bombay Mercantile Co-operative Bank | bmcbankltd.com | BOMM0401 |
| 2. | Prime Co-operative Bank Ltd. | www.primebankindia.com | PMEC0401 |
| 3. | Punjab & Maharastra Cooperative Bank Ltd. | www.pmcbank.com | PMCB0401 |
| 4. | Rajkot Nagarik Sahakari Bank Limited | www.rnsbindia.com | RNSB0401 |
| 5. | Shri Mahila Sewa Sahakari Bank Ltd. | www.sewabank.com | SEWA0401 |
| 6. | The Ahmedabad Mercantile Cooperative Bank Ltd. | www.amco-bank.com | AMCB0401 |
| 7. | The Gujarat State Co-operative Bank Ltd | www.gscbank.co.in | GSCB0401 |
| 8. | The Kalyan Janata Sahakari Bank Ltd. | www.kalyanjanata.in | KJSB0401 |
| 9. | The West Bengal State Cooperative Bank Ltd. | www.wbscb.com | WBSC0401 |
| 10. | The Bharat Co-operative Bank (Mumbai) Ltd. | www.bharatbank.com | BCBM0401 |
| 11. | The Greater Bombay Cooperative Bank Ltd. | www.greaterbank.com | GBCB0401 |
| 12. | The Nawangar Co-operative Bank Ltd. | www.nawanagarbank.co.in | NWCB0401 |
| 13. | Citizen Credit Co-op Bank Limited | www.citizencreditbank.com | CCBL0401 |
| 14. | Sarvodaya Commercial Cooperative Bank | www.sccbank.in | SARV0401 |
| 15. | Jalgaon Janata Sahakari Bank Ltd. | www.jjsbl.com | JJSB0401 |
| 16. | Saraswat Cooperative Bank Ltd. | www. saraswatbank. com | SCBL0401 |
| 17. | NKGSB Co Operative bank Ltd. | www.nkgsb-bank.com | NKGS0401 |
| SMALL FINANCE BANKS | |||
| 1. | Ujjivan Small Finance Bank | www.ujjivan.com | USFB0501 |
| 2. | Utkarsh Small Finance Bank Ltd. | www.utkarshmfi .com | UTKA0501 |
| 3. | AU Financiers Ltd. | www.aufin.in | AUFI0501 |
| 4. | Suryoday Small Finance Bank Ltd. | www.suryodaybank.com | SSFB0501 |
| 5. | Equitas Small Finance Bank | www.equitasbank. com | ESFB0501 |
| NBFC-MFI | |||
| 1. | Satya Micro Capital Ltd. | www. satyamicrocapital. com | STYA0601 |
| 2. | Spandana Sphoorty Financial Ltd. | www.spandanaindia.com | SPAN0601 |
| 3. | Digamber Capfin Limited | www.digamberfinance.com | DGCF0601 |
| 4. | SV Creditline Private Limited | www.svcl.in | SVCL0601 |
| 5. | Annapurna Micro Finance Pvt. Ltd. | www.ampl.net.in | ANNA0601 |
| 6. | Margdarshak Financial Services limited | www.margdarshak.org.in | MARG0601 |
DATA SOURCE: National Housing Bank Website
कुल 170 प्राथमिक लोन संस्थान हैं जो प्रधान मंत्री आवास योजना के CLSS घटक के तहत EWS /LIG को गृह लोन प्रदान कर रहे हैं । इन प्राथमिक लोन संस्थानों में गैर बैंकिंग वित्त कंपनियां, सार्वजनिक और निजी क्षेत्र के बैंक, क्षेत्रीय और सहकारी बैंक, माइक्रो फाइनेंस संस्थान और छोटे वित्त बैंक शामिल हैं।
प्रधानमंत्री आवास योजना के तहत आवास लोन के लिए बैंकों और आवास वित्त कंपनियों की आधिकारिक वेबसाइटों के माध्यम से ऑनलाइन आवेदन किया जा सकता है या अधिक विवरण के लिए व्यक्ति सीधे बैंक शाखा में जा सकते हैं।
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