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Subsidy SetuMSME subsidy and compliance

PMAY-U 2.0 buyer desk · Haryana

A PMAY-U 2.0 buyer desk for your project

Your buyers ask about the central home-loan interest subsidy. We help them check whether it may apply and get their papers ready, so your sales team does not have to. Whether a buyer receives the subsidy is decided by the buyer's lender and the Ministry, not by us.

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Photo: RDNE Stock project / Pexels

Subsidy Setu is a private platform, not a government website. We are not a government body and are not affiliated with, endorsed by or acting for any government department, scheme authority or bank. Applications are made on the official portals or with the lender you choose.

Why it helps

  • Buyers get a straight answer

    Each buyer gets a first check against the published conditions, in plain words, instead of a guess from your sales team.

  • Your sales team stays on sales

    The questions about income band, loan size and papers go to the desk, not to the site office.

  • Papers ready for the lender

    We help the buyer organise the papers the lender asks for, for the lender the buyer chooses.

  • No false hopes

    We say plainly when a buyer may not qualify, and why, before the buyer plans around it.

  • One desk for every buyer

    The same checklist and the same first check for each buyer in your project.

  • Local support from Hisar

    We work with builders and their buyers across Hisar, Hansi, Uklana, Fatehabad, Sirsa, Bhiwani and Jind.

Who it is for

  • Builders and colonizers whose buyers take home loans
  • Promoters of projects aimed at first-time home buyers
  • Sales teams that field the same subsidy questions every week
  • Promoters who want to understand the affordable housing route for private builders

What we do

  • Home-loan interest subsidy help for buyers (PMAY-U 2.0)

    Help for your buyers, or for you as a buyer, to check whether the central interest subsidy may apply and to prepare the papers.

  • A first check for each buyer

    We go through the published conditions with the buyer: income band, loan size, house value, carpet area and earlier benefits.

  • A document checklist for the buyer

    A plain list of what the buyer and the lender will need, so nothing is missed at the bank.

  • A short briefing for your sales team

    A one-page note on what the scheme covers and what it does not, so your team answers the same way every time.

  • A look at the affordable housing route

    We explain what the affordable housing in partnership route asks of a private builder, so you can decide whether to pursue it.

  • Follow-up with the buyer

    We keep in touch with the buyer until the buyer has applied through the lender, and tell you what stands where.

What the scheme says

Taken from the Ministry's scheme guidelines, each with its official source. Where a detail is not yet confirmed, we say so instead of guessing.

How it works

  1. Step 1: Tell us about your project

    Send the enquiry form or a WhatsApp message with the project, the town and the kind of buyers you expect.

  2. Step 2: We agree how the desk works

    Our expert team agrees with you how buyers reach the desk and what you want reported back.

  3. Step 3: You get a quote

    We send a quote for the desk. You decide whether to go ahead.

  4. Step 4: Buyers get a first check

    Each buyer is taken through the published conditions and told where they stand.

  5. Step 5: Papers go to the lender

    The buyer applies through the lender of choice. We help with the papers; the lender and the Ministry decide.

Documents we usually ask for

  • Identity and address proof of the buyer and the co-applicants
  • Income proof of the household
  • Details of the house: area, price and the builder's allotment papers
  • The loan sanction or the lender's checklist
  • A statement of any earlier housing benefit received by the family, or that there was none
  • A statement that the family owns no pucca house in India

The exact list depends on your case; we confirm it with you on the first call.

Good to know

  • The interest subsidy is a central scheme. Whether a buyer receives it is decided by the buyer's lender and the Ministry, and we cannot say in advance.
  • We do not lend, and we do not promise or arrange a loan. The buyer chooses the lender.
  • The conditions are those of the published scheme guidelines, shown above with their source. If they change, the guidelines prevail.
  • Nothing on this page is financial or legal advice.

Frequently asked questions

Who can get the interest subsidy?

Household income bands: EWS up to Rs 3 lakh a year, LIG above Rs 3 lakh up to Rs 6 lakh, and MIG above Rs 6 lakh up to Rs 9 lakh. The family (husband, wife, unmarried sons and daughters) must not own a pucca house, in the name of any member, anywhere in India. A beneficiary who was allotted a house under any housing scheme of the Central Government, a State or Union Territory government or a local self-government in the last 20 years, in urban or rural areas, is not eligible. The interest subsidy is provided only once for a property.

How large is the subsidy?

Only a loan up to Rs 25 lakh on a house valued up to Rs 35 lakh is eligible for the interest subsidy. The interest subsidy is 4% on the first Rs 8 lakh of the loan, for a tenure up to 12 years. A maximum interest subsidy of Rs 1.80 lakh is released (with a maximum net present value of Rs 1.50 lakh at a discount rate of 8.5%) to beneficiaries whose loan tenure is more than five years, in five equal yearly instalments; only loans sanctioned and disbursed on or after 1 September 2024 qualify.

Does the subsidy cover buying a plot?

The interest subsidy is for buying, re-buying or building a house. A loan only to buy a plot is not one of the listed loan purposes; self-construction with "plot + construction" is.

How does a buyer claim it?

To claim the interest subsidy the beneficiary registers on the Unified Web Portal and applies to a bank or other lending institution, which uploads the claim; the Central Nodal Agency re-validates it and the Ministry releases the subsidy through the agency to the lender, which credits the loan account. Private builders can take part in the affordable housing in partnership vertical through whitelisted projects, which must be registered under the Real Estate (Regulation and Development) Act, 2016.

Will my buyers definitely get the subsidy?

No one can say that in advance. The buyer's lender and the Ministry decide each case. What we do is check the published conditions with the buyer early, so there are fewer surprises.

Which State agency handles it in Haryana?

The State Level Nodal Agency for PMAY-U 2.0 in Haryana is to be verified by our expert team. The Department of Housing for All, Haryana publishes information on its website at hfa.haryana.gov.in.

What does the desk cost?

There is no price list here because every project is different. Ask for a quote: we reply once we understand your project, and you decide after that.

Ready to talk it through?

Tell us about your case and we will explain the next step. There is no charge for the first conversation.

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Related services

RERA certificates and the annual RERA audit must be signed by an independent Chartered Accountant in practice of your choice. You can find practising CAs on ICAI's CA Connect portal.

This page is general information for promoters, agents and home buyers in Haryana. It is not legal advice and does not replace the Act, the Haryana rules or the notices of the authority, which set the forms, fees and dates and can change them. Check the official website before you rely on anything here. Details marked "to be verified by our expert team" have not been confirmed yet.

Facts last reviewed on 18 October 2026. Official website: haryanarera.gov.in.