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I applied for the Pradhan Mantri Aavas Yojana subsidiary as per the eligibility along with my Home Loan. All the documentation/ procedures were as per the requirement. I did receive around 40% of the subsidy basis the disbursement in 2021. However the rest of the subsidy is still pending from last 3.5 years and I am not getting any clarity or inputs from any of the means. Please advise.

There are certain conditions to be fulfilled before the subsidy is released. Though you have submitted all the required documents and have followed the rules, there may be something pending from the bank s / builder s side. The bank from whom you availed the housing loan should be in a position to clarify the matter. If the branch is not able to clarify, you may escalate the matter with the grievances redressal officer of the bank. In case there is no response, you may approach National Housing Bank office in your state.

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Sucheta Dalal Trustee - Moneylife Foundation

Abhay Datar Abhay Datar is a consumer activist. After working at Bank of Baroda for about 29 years, he retired as IT Manager. After retirement, Mr Datar joined Consumer Guidance Cell of Mumbai Grahak Panchayat (MGP) in 2008 and solved many cases related to banking including online fraudulent transactions, misuse of credit cards and ATM cards. Also handled cases related with mobile banking frauds and mediclaim. He was a Member of the Managing Committee of MGP till March 2021.

Suresh Prabhu Mr Prabhu retired as Senior Vice President from HDFC Bank

R Bhuvaneswari After serving Bank of Baroda for almost 40 years, Ms Bhuvaneshwari retired as Chief Manager in 2013.

Yogesh Sapkale Yogesh Sapkale is Deputy Editor of Moneylife and writes on finance, credit related issues

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