Pradhan Mantri Awas Yojana-Urban

CLAP Frequently Asked Questions

What is CLAP?

CLSS Awas Portal (CLAP) is a transparent and robust real time web-based monitoring system for CLSS beneficiaries and other stakeholders which can be accessed through https://pmayuclap.gov.in/.

What are the objectives of designing, developing and implementing of CLAP?

To validate borrower/co-borrower at initial stage/ before processing application for CLSS interest subsidy. Main features incorporated in CLAP are as below :

Aadhaar validation and de-duplication before subsidy claim upload.
Unique ID i.e. Application ID to each record.
Beneficiary tracking system i.e. CLSS tracker
SMS alerts to borrower and co-borrower on status of their application.
Individual processing of records avoiding clubbing and delay in payments

Who can access/login CLAP software?

Ministry of Housing and Urban Affairs (MoHUA), States/UTs, Central Nodal Agencies (CNA's), Primary Lending Institutions (PLIs) with their authorized username and password

Whether any dedicated mobile application developed for CLAP software?

No, but CLSS tracker module of CLAP software will be integrated with PMAY (U) mobile application which is available on Google Play Store and Apple App Store. Through CLSS tracker, borrower and co-borrower after entering their Application ID will get an OTP code on their mobile number as registered in CLAP software. On entering of valid OTP code, mobile application will display status of their CLSS application

What is a CLSS tracker?

A CLSS tracker has been designed, developed and implemented for CLSS beneficiaries to track their application. There are 5 stages which have been incorporated in CLSS tracker i.e.

Application ID generated

Due diligence by PLI

Claim uploaded on Central Nodal Agency Portal

Subsidy claim approved

Subsidy released to PLI

CLSS tracker will also display details of all disbursements (in case of multiple disbursements) like date of disbursement and subsidy amount. If Central Nodal Agency raises any query to PLI for clarification, then CLSS Tracker will display the same information to beneficiaries.

How to access CLSS tracker?

CLSS tracker can be accessed through CLAP portal i.e. https://pmayuclap.gov.in/

How does the system work if same borrower or co-borrower applies to multiple PLIs?

CLAP system will generate same Application ID and system will maintain log of his/her application with multiple PLIs

What is the difference between Application ID and Beneficiary ID?

CLAP system will generate an Application ID for each borrower only after their successful verification with UIDAI and de-duplication with beneficiaries of other three verticals from PMAY (U) MIS system whereas beneficiary ID is the unique to identify CLSS beneficiary of PMAY (U) who have availed subsidy amount into their home loan account

Are spouse details of borrower and co-borrower mandatory for filling his/her application in CLAP?

Yes, to avoid duplicity of availing multiple benefits in PMAY(U) Mission.

Are family dependent details mandatory for filling his/her application in CLAP?

No, capturing of family dependent details are not mandatory. Only borrower, co-borrower and spouse details are mandatory in order to verify their identities.

What are the different types of stakeholders in CLAP software?

Ministry of Housing and Urban Affairs (MoHUA), Central Nodal Agencies (CNAs) i.e. NHB, HUDCO and SBI, Primary Lending Institutes (PLIs), Borrower/Co-borrower, PMAY(U) Beneficiaries, Citizens.

Is there any unique ID to identify application status?

Yes, Application ID is the unique ID to track CLSS application.

Is there any unique ID to identify CLSS beneficiaries in CLAP software?

Yes, Beneficiary_ID is the unique ID to identify CLSS beneficiaries who have received CLSS interest subsidy in his/her home loan account.

Roles and responsibilities of MoHUA, CNA's, PLI's, Beneficiaries and Citizens in CLAP Software?

S. No.	Stakeholder	Role Matrix
1.	Ministry of Housing and Urban Affairs	Register all Central Nodal Agencies and PLIs in CLAP Portal Whitelist of IP addresses of Central Nodal Agency servers with CLAP server Receive CLSS loan subsidy applications from PLIs to verify Aadhaar from UIDAI server and de-duplication of borrower and co-borrower with beneficiaries of other three verticals of PMAY(U). Generation of Application ID Generation of Beneficiary_ID CLSS Tracker - enable borrower and co-borrower to check status of their application (with respect to all new and existing beneficiaries after entering Application ID) Integration with CLSS tracker with PMAY (U) mobile application. Integration of CLAP server with all Central Nodal Agency servers to receive status of each claim process. Propagation of PMAY(U) mobile application among PMAY(U) beneficiaries to upload their house photos, selfies and success stories. Display all relevant information, presentations etc. related to CLSS on CLAP website i.e. https://pmayuclap.gov.in Alerts through SMS to borrower and co-borrower regarding CLSS subsidy. Upload CLSS beneficiaries photos and video gallery on CLAP website and other social media sites.
2.	Central Nodal Agencies (CNA's) National Housing Bank (NHB) Housing and Urban Development Corporation (HUDCO) State Bank of India(SBI) For CLSS vertical	Register their PLIs with Central Nodal Agency Server Integration with CLAP Server Receive subsidy claims data from PLIs along with Application ID generated through CLAP Server Approve claim and disburse funds to PLIs Raise queries to PLI's Spread awareness among PLIs to sensitize PMAY(U) beneficiaries to upload their house photos, selfies and success stories through PMAY(U) mobile application.
3.	Primary Lending Institutions (PLIs) of Central Nodal Agencies	Get PLI servers whitelisted with CLAP server. Receive home loan application from borrower and co-borrower Sanction loan and apply for CLSS Subsidy Check eligibility of borrower and co-borrower in CLAP server by entering their details either through APIs or through manual entry in web form. If eligible then take Application ID from CLAP server Upload claims on Central Nodal Agency Server along with Application ID Reply to all queries as raised by CNA Upload signed Claim Release Form (CRF) generated by the CNA system for the PLI. Upload Utilization Certificate on CNA's Server Communicate to the PMAY-CLSS Beneficiary through SMS / email about the receipt of subsidy and EMI reduction (along with revised calculation). Spread awareness among PMAY(U) beneficiaries to upload their house photos, selfies and success stories through PMAY(U) mobile application.
4.	States and UTs	Generate reports from the CLAP Portal for monitoring the progress of providing benefits of CLSS vertical to the residents of their States/UTs. Spread awareness to PMAY(U) beneficiaries to upload their house photos, selfies and success stories through PMAY(U) mobile application. Spread awareness to their beneficiaries to track their application status through CLSS tracker.
5.	CLSS Beneficiaries	Visit CLAP website Track their application status through CLSS tracker Upload their house photos, selfies and success stories through PMAY(U) mobile application. Lodge their grievance, if any, in CPGRAMS.
6.	Citizens	Visit CLAP website View success stories of PMAY(U) beneficiaries Check their eligibility for CLSS vertical. Check their subsidy through in-built subsidy calculator on CLAP website. View latest news, updates and progress of PMAY(U).

Whether CLAP software will send SMS to applicant?

Yes, CLAP will send application status to both borrower and co-borrower on their mobile number as registered in CLAP portal.

What are the stages at which CLAP software will send SMS to borrower or co-borrower?

CLAP will send SMS at below mentioned stages:-

After generation of Application ID
After PLI lodging the claim on CNA's Portal
After generation of Beneficiary_ID
For uploading photo, selfie and video of success story from CLSS Beneficiaries.
After subsidy refund by PLI to CNA, if any.
At the time of generation of OTP

What is the timeline for generation of Application ID in CLAP software and sharing with concerned PLI and borrower and co-borrower?

If PLI enters Process 1 data in CLAP software through API via their white-listed server then CLAP application will generate an Application ID in 24 hours. In this case PLI will take Application ID after calling get-status API from their server.

If PLI enters Process 1 data in CLAP software through manual entry in web form through authorized user name and password, then CLAP application will generate an Application ID in 24 hours.

Can application be rejected by the CLAP software even after generation of Application ID in CLAP?

Yes, if

Borrower/co-borrower and their spouse found duplicate with existing beneficiaries of PMAY(U) in Process 2 i.e. either at time of lodging claim on CNA server or before crediting subsidy amount on his/her home loan account.
Found ineligible by internal processes of Central Nodal Agency as per the process flow chart.