3 quick tips to maximize PMAY 2. subsidy benefit –
kabeer murugkar • June 12, 2025
- Keep your loan balance above 50% for first 5 years: If your outstanding loan amount drops below 50% before completing 5 years, your future subsidy instalments will stop.
- Saving on EMI’s per month or reducing Tenure, choose wisely: Let’s say if your loan is of ₹16,00,000 for 20 years, you can save ₹2244 on your monthly EMI’s or you can save 67 EMI’s over your loan period through tenure reduction.
- Focus on the first ₹8,00,000 of your loan, that is where the 4% subsidy kicks in: when, Loan < ₹8,00,000 → Let’s say ₹6,00,000 then as per 4% interest subsidy, you get a benefit of approximately ₹1,50,000
Loan ≥ ₹8,00,000 → Then as per the 4% you can avail the complete benefit of the subsidy i.e., of ₹1,80,000.
For more information, visit our PMAY 2.0 page and subsidy calculator.
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