Page 250 - NHB AR 2020-21-3 complete- Print (1)
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- Subsidy Refund settled) of `9,739.79 crore (loan disbursement amounting to `1,01,229.10
crore) to 188 PLIs (also includes individual amalgamating/merging entities) benefitting 4.63
lakh households. Till 30-06-2021, 99.44% of the funds received by NHB under CLSS for MIG
from MoHUA were utilized.
The CLSS Awas Portal CLAP was launched on November 25, 2019 by the Hon’ble Minister
of State (Independent Charge) Housing and Urban Affairs, Government of India. Further,
NHB’s PMAY-CLSS Portal has been enhanced through application development to incorporate
features like Applicant ID inclusion in the claim, facilitation of individual record processing
as against multiple applicants’ batch processing, permission to PLI to upload multiple claims,
input through API, etc. The development and enhancements have been carried out by using
the services of PMAY-CLSS application development vendor. As advised by MoHUA, NHB’s
enhanced portal has been customized for the use by other CNAs, viz. HUDCO and State Bank
of India.
Rural Housing Interest Subsidy Scheme (RHISS)
Pradhan Mantri Awas Yojana - Gramin (PMAY-G) for rural areas has been launched from
April 1, 2016, with an objective to provide a pucca house with basic amenities to all houseless
and households living in kutcha houses by 2022. However, to ensure that adequate resources
are made available to such households which requires construction/modification of their
dwelling units and have not been covered under PMAY-G, Ministry of Rural Development
(MoRD), GoI has launched the Rural Housing Interest Subsidy Scheme (RHISS) under
Housing for All by 2022 to provide easy access to institutional loan to needy households for
construction/modification of their dwelling units who are not covered under PMAY (U). The
beneficiaries, eligible to receive central assistance under this Scheme, will include any rural
household who do not appear/figure on the permanent waitlist for PMAY-G and have not
availed benefit under PMAY (U).
The Scheme is effective from June 19, 2017 and beneficiaries would be eligible for an interest
subsidy at the rate of 3% for loan amount up to `2 lakh for maximum tenure of 20 years or the
actual tenure of the loan whichever is lesser, with the NPV discount rate of 9%. RHISS will
cover entire India, excluding the statutory towns as per Census 2011 and towns subsequently
covered under PMAY - Urban. It will be implemented through PLIs viz. SCBs, HFCs, RRBs,
Co-operative Banks, Small Finance Banks, and NBFC-MFIs. NHB has been identified as the
CNA by the GoI, MoRD to implement the RHISS vertical of Housing for All Mission. Till
June 30,2021 NHB has executed MoUs with 100 PLIs for implementation of the Scheme and
disbursed subsidy amount of `14.59 crore to 22 PLIs2 benefitting 7,002 households.
2 United Bank of India and Oriental Bank of Commerce have merged into Punjab National Bank, Allahabad Bank has merged into Indi-
an Bank, and Andhra Bank have merged into Union Bank of India w.e.f. April 1, 2020, but they are reported separately.
230 | Annual Report 2020-21
crore) to 188 PLIs (also includes individual amalgamating/merging entities) benefitting 4.63
lakh households. Till 30-06-2021, 99.44% of the funds received by NHB under CLSS for MIG
from MoHUA were utilized.
The CLSS Awas Portal CLAP was launched on November 25, 2019 by the Hon’ble Minister
of State (Independent Charge) Housing and Urban Affairs, Government of India. Further,
NHB’s PMAY-CLSS Portal has been enhanced through application development to incorporate
features like Applicant ID inclusion in the claim, facilitation of individual record processing
as against multiple applicants’ batch processing, permission to PLI to upload multiple claims,
input through API, etc. The development and enhancements have been carried out by using
the services of PMAY-CLSS application development vendor. As advised by MoHUA, NHB’s
enhanced portal has been customized for the use by other CNAs, viz. HUDCO and State Bank
of India.
Rural Housing Interest Subsidy Scheme (RHISS)
Pradhan Mantri Awas Yojana - Gramin (PMAY-G) for rural areas has been launched from
April 1, 2016, with an objective to provide a pucca house with basic amenities to all houseless
and households living in kutcha houses by 2022. However, to ensure that adequate resources
are made available to such households which requires construction/modification of their
dwelling units and have not been covered under PMAY-G, Ministry of Rural Development
(MoRD), GoI has launched the Rural Housing Interest Subsidy Scheme (RHISS) under
Housing for All by 2022 to provide easy access to institutional loan to needy households for
construction/modification of their dwelling units who are not covered under PMAY (U). The
beneficiaries, eligible to receive central assistance under this Scheme, will include any rural
household who do not appear/figure on the permanent waitlist for PMAY-G and have not
availed benefit under PMAY (U).
The Scheme is effective from June 19, 2017 and beneficiaries would be eligible for an interest
subsidy at the rate of 3% for loan amount up to `2 lakh for maximum tenure of 20 years or the
actual tenure of the loan whichever is lesser, with the NPV discount rate of 9%. RHISS will
cover entire India, excluding the statutory towns as per Census 2011 and towns subsequently
covered under PMAY - Urban. It will be implemented through PLIs viz. SCBs, HFCs, RRBs,
Co-operative Banks, Small Finance Banks, and NBFC-MFIs. NHB has been identified as the
CNA by the GoI, MoRD to implement the RHISS vertical of Housing for All Mission. Till
June 30,2021 NHB has executed MoUs with 100 PLIs for implementation of the Scheme and
disbursed subsidy amount of `14.59 crore to 22 PLIs2 benefitting 7,002 households.
2 United Bank of India and Oriental Bank of Commerce have merged into Punjab National Bank, Allahabad Bank has merged into Indi-
an Bank, and Andhra Bank have merged into Union Bank of India w.e.f. April 1, 2020, but they are reported separately.
230 | Annual Report 2020-21
