PMAY Subsidy Calculator
Calculate your Pradhan Mantri Awas Yojana (CLSS) interest subsidy benefit for first-time home buyers.
₹6,00,000 — Six Lakh Rupees
₹12,00,000 — Twelve Lakh Rupees
Category: MIG-I
₹2,35,068
Two Lakh Thirty Five Thousand Sixty Eight Rupees subsidy (NPV)
₹12,00,000
Original Loan
₹2,35,068
Subsidy (NPV)
₹9,64,932
Net Loan
Formula & How It Works
Formula
NPV Subsidy = Σ [Monthly Subsidy Rate × Loan Amount / (1+discount_rate)^month]; Net Loan = Loan Amount − NPV SubsidyThe government provides an upfront subsidy equal to the Net Present Value (NPV) of the interest subsidy over the tenure. This directly reduces the outstanding principal on day one.
Tatsyavyatur uses the officially published NPV subsidy amounts from NHB/HUDCO for each PMAY income category, giving you the accurate benefit figure rather than an approximation.
Why Tatsyavyatur Calculators Are Unique
Unlike generic calculators, Tatsyavyatur's tools are calibrated to Indian real estate norms — CII tables updated for the latest Finance Act, state-specific stamp duty rates, PMAY slabs, and Indian banking FOIR standards. Every calculation uses RBI-aligned formulas so your planning is grounded in reality, not approximation.