CLSS Awas Portal (CLAP)

Atal Nagar, Chhattisgarh Rajkot, Gujarat Madurai, Tamil Nadu

 CLSS : Introduction
Credit Linked Subsidy Scheme (CLSS) is one of the
components under Pradhan Mantri Awas
Yojana(Urban) (PMAY-U) wherein the Government
offers interest subsidy to eligible beneficiaries

Existing
Process

Applicant Bank Central Nodal Ministry

Agency
Applies for Housing Loan Sanctions Loan and Sanctions funds
with CLSS Subsidy applies for CLSS Subsidy Approves claim and
disburses funds
 REFORMS
COVERAGE LIMITED 1 IMPROVED COVERAGE
1

AADHAAR VERIFICATION AADHAAR VERIFICATION AT THE

2 2 TIME OF APPLICATION AT PLI LEVEL
AFTER SUBSIDY
Increases Data Integrity

DEDUPLICATION CHECKED
3 DEDUPLICATION HAPPENS TWICE
AFTER SUBSIDY 3
Before subsidy is released
After subsidy is approved by the CNA

BATCH PROCESSING INDIVIDUAL PROCESSING

4 Processing of subsidy claims by CNAs 4 Would decrease the time for processing substantially
delayed due to bunching

ABSENCE OF INFORMATION WITH BENEFICIARY TRACKING

5 6 SYSTEM
BENEFICIARY

7 SMS ALERTS
 CLSS AWAS PORTAL (CLAP)
Credit Linked Awas Portal (CLAP) has been designed, developed and
implemented by the Pradhan Mantri Awas Yojana (Urban) {PMAY (U)},
Ministry of Housing and Urban Affairs, Government of India in
collaboration with NIC and Central Nodal Agencies (CNAs) in order to
provide a transparent and robust real time web based system for CLSS
beneficiaries.

The potential beneficiary can also track his/her application status through
CLSS tracker which is developed as part of CLAP.
Real Time Integration
CLAP software works in tandem on a real time basis with the UIDAI,
amongst all Stakeholders CNAs, PLIs and PMAY (U) MIS system for Aadhaar validation, de-
- Decreases Effort for banks duplication with other verticals
- Faster Processing of Subsidies
Dashboard and reports have also been introduced in CLAP software in
order to monitor the progress of CLSS vertical by various stakeholders

SMS Alerts to each borrower and co-borrower at every stage starting

from generation of application ID up to credit of subsidy amount into
his/her home loan account.
 CLAP

PMAY(U) MIS CLSS SERVER

SYSTEM Ministry State/UT PLIs

CLAP Portal http://pmayuclap.gov.in/

PROCESS 1

UIDAI SERVER
Dashboard & Reports
PROCESS 2

Central Nodal
Agency Server CLSS TRACKER
BENEFICIARY
 PMAY-CLSS Software Architecture
CNA system- to be Upgraded hosted at
CNA
CNA level
System
Part 1 – New System Development
Matching
CLSS new system- to be developed
De-dupe Check and will be hosted at NIC cloud

Not- Matching
PMAY-CLSS
Tracker
AADHAR Existing PMAY(URBAN) MIS system
UIDAI
Server

PLI Internal Claims Upload by PLI in CNA

Applicant PLI
Processing and Loan system (API / MS XL)
Sanction

CNA
System

Generation of Primary Check

Beneficiary ID

Subsidy Released Claim Sanctioned Claim Accepted Claim Recommended Secondary Check
to PLI
 Process 1 : CLAP
AADHAAR DEMOGRAPHIC
LOGIN FOR PLIs/ DATA FROM PLIs TO CLAP VERTIFICATION OF
WHITELISTING OF PLIs SERVER either through API or BORROWER, CO-BORROWER
SERVER WEB FORM AND THEIR SPOUSE FROM
UIDAI

INTEGRATION WITH PROCESS DE-DUPLICATION OF

GENERATION OF
2 OF CENTRAL NORAL BORROWER, CO-BORROWER
APPLICATION ID
AGENCY AND THEIR SPOUSE FROM
PMAY(U) MIS system

GENERATION OF BENEFICIARY ID

BENEFICIARY
Dashboard & Reports
Reference Check
CLAP website http://pmayuclap.gov.in/
CLSS TRACKER http://pmayuclap.gov.in/
CLSS TRACKER http://pmayuclap.gov.in/
CLSS TRACKER http://pmayuclap.gov.in/
REPORTS
PMAY(U) Mobile Application
The Ministry of Housing and Urban Affairs (MoHUA) had launched PMAY
(U) Mobile Application on 14th Feb, 2019. This allows beneficiaries of
PMAY(U):-

(1) To capture and upload 02 high resolution photographs of completed

houses along with their families;

(2) To capture and upload 02 selfies of beneficiary with her/his house and

(3) To upload 01 video clip (30 - 60 seconds) where beneficiaries can share
their stories of owning a house under PMAY (U).

Google Play Store

https://play.google.com/store/apps/details?id=com.pmay.app_s&hl=en
Apple App Store
https://itunes.apple.com/in/app/pmay-urban/id1454478722?mt=8
Angikaar module in PMAY (U) Mobile App

angikaar module in PMAY (U) mobile app enabling

angikaar Resource Persons (ARPs) to capture
Need Assessment of PMAY (U) Beneficiaries
during the door-to-door survey.
This app works in tandem on real time with the
Ayushman Bharat and Ujjwala schemes to
check eligibility and provide benefits under the
scheme to PMAY(U) beneficiaries.
The App also capture geo-attributes alongwith
photos of beneficiary during assessment.
PMAY(U) Mobile Application
 PMAY(U) Mobile Application
Track Your Application CLSS TRACKER IN PMAY(Urban)
Enter Applicant ID
Mobile Application
Application ID Generated

Loan Sanctioned CLSS Beneficiaries to shares their

Subsidy Processing house photos, selfies and success
Subsidy Approved stories through this mobile application
Subsidy Released

Integration with CPGRAMS.

 CLAP in Progress

11 Sep -25th Oct, 2019

Trial Run

20 August November 1
System Design CLAP comes LIVE
 Thank You
This window of hope will give wings to the dreams of millions…