CLSS Awas Portal(CLAP)

CLAP Frequently Asked Questions

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

  1. Aadhaar validation and de-duplication before subsidy claim upload.
  2. Unique ID i.e. Application ID to each record.
  3. Beneficiary tracking system i.e. CLSS tracker
  4. SMS alerts to borrower and co-borrower on status of their application.
  5. Individual processing of records avoiding clubbing and delay in payments
Ministry of Housing and Urban Affairs (MoHUA), States/UTs, Central Nodal Agencies (CNA's), Primary Lending Institutions (PLIs) with their authorized username and password
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
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.

  1. Application ID generated
  2. Due diligence by PLI
  3. Claim uploaded on Central Nodal Agency Portal
  4. Subsidy claim approved
  5. 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.
CLSS tracker can be accessed through CLAP portal i.e. https://pmayuclap.gov.in/
CLAP system will generate same Application ID and system will maintain log of his/her application with multiple PLIs
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
Yes, to avoid duplicity of availing multiple benefits in PMAY(U) Mission.
No, capturing of family dependent details are not mandatory. Only borrower, co-borrower and spouse details are mandatory in order to verify their identities.
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.
Yes, Application ID is the unique ID to track CLSS application.
Yes, Beneficiary_ID is the unique ID to identify CLSS beneficiaries who have received CLSS interest subsidy in his/her home loan account.
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).
Yes, CLAP will send application status to both borrower and co-borrower on their mobile number as registered in CLAP portal.
CLAP will send SMS at below mentioned stages:-

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

  1. 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.
  2. Found ineligible by internal processes of Central Nodal Agency as per the process flow chart.
Shri R.K. Gautam, Director (HFA-5)
Ministry of Housing and Urban Affairs
Room No. 118,G Wing, NBO Building,
Nirman Bhawan, New Delhi-110011
Tel: 011-23060484, 011-23063285
E-mail: pmaymis-mhupa@gov.in, grievance-pmay@gov.in
CLSS Toll Free Number of CNAs

SBI: 1800 112 018
HUDCO: 1800166163
NHB: 1800113377 and 1800113388
Please visit contact us page on CLAP website https://pmayuclap.gov.in/

Address

Pradhan Mantri Awas Yojana (Urban)
Ministry of Housing and Urban Affairs
Nirman Bhawan, New Delhi-110011

Contact

Phone No: 011-23063285,011-23060484
Email: pmaymis-mhupa@gov.in
MIS: https://pmaymis.gov.in, Website: https://mohua.gov.in



Grievance

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