The Government of India has launched the Pradhan Mantri Awas Yojana (PMAY), aimed at providing affordable housing to the urban and rural poor. The PMAY has two components: Pradhan Mantri Awas Yojana (Urban) for the urban poor and Pradhan Mantri Awaas Yojana (Gramin) for the rural poor. Under the PMAY scheme, eligible beneficiaries can avail an interest subsidy of 6.5% on housing loans for a period of 20 years under the credit link subsidy scheme (CLSS). For MIG-I, the interest subsidy is 4%, and

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