Streamlining CLAP Application Process through Centralized System on UMANG Platform
Explore the feasibility of implementing a centralized online application system for beneficiaries applying under the CLSS Scheme through a central portal, integrated with UMANG platform. This system aims to simplify the application process, minimize travel during COVID-19, and provide easy access for applicants to upload required documents. Details include the process flow, application verification steps, and a list of PLIs/Banks ready for testing and on-boarding.
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Presentation Transcript
On-boarding of all PLIs/HFCs/Banks on UMANG platform for CLAP Application Joint Secretary(DBT) Suggested MoHUA that in order to provide beneficiaries ease of applying online and through their mobile phone and ensuring minimum travel in prevalent COVID-19 situation; it may be desirable to develop a provision for centralised system of online application for beneficiaries. The system may be designed in such a way that beneficiaries willing to apply under the CLSS Scheme may apply on a centralised portal with an option of uploading the requisite documents to avail the benefit under the scheme. Exploring Centralised System Online Application under CLSS of Meeting on 2020 under the Chairmanship of JS(DBT) held July. Their application may then be forwarded from the centralised portal to Banks/PLIs via CLAP portal for further examination. 23rd This facility can also be on-boarded in the UMANG platform with an App so that citizen can apply through mobile devices. The Ministry was requested to explore the feasibility of building such system and communicate the same to DBT Mission, Cabinet Secretariat.
Annexure-B Process Flow :CLAP Application through UMANG PLATFORM Citizen 3 2 1 PLI/BANK Server UMANG CLAP Process 1 Verification of Loan Account No. and Borrower/Co-borrower details from the PLI Database PMAY(Urban) Verification of de-duplication of application received from PLI for same Loan Account No. Loan Sanctioned Status - (Yes/No) CLAP APPLICATION Submit Details 1. State Name 2. Town/City Name 3. PLI/Bank Name 4. Loan Account No 5. House Category- EWS,LIG,MIG-I,MIG-II 6. Borrower and Co- borrower and their spouse details Gender Marital Status Aadhaar Number Name as per Aadhaar Family Annual Income Yes PMAY(U) MIS Generation of Application ID in CLAP 4 UIDAI 5 No Borrower/Co- borrower will receive Application ID through SMS Borrower/Co- borrower will receive SMS that Loan is not sanctioned yet De- Aadhaar Verification from UIDAI duplication from PMAY(U) MIS
Annexure-B Process Flow :CLAP Application through UMANG PLATFORM S.No 1. API Source Purpose https://pmayuclap.gov.in/CLSSMISAPI/api/v alues/GetUmangApplication FROM PLI SERVER to CLAP Server Pulling received from UMANG platform to CLAP portal by beneficiary initiating validation by PLI/Banks Sending validation response to CLAP portal generation of application ID Getting Application ID from CLAP Server( for successful validation) application for and P-1 2. https://pmayuclap.gov.in/CLSSMISAPI/api/v alues/ConfirmUmangApplication FROM PLI SERVER to CLAP Server PLI/Banks and 3. https://pmayuclap.gov.in/CLSSMISAPI/api/v alues/GetStatus FROM PLI SERVER to CLAP Server
CLAP Application through UMANG PLATFORM List of 28 PLIs/Banks ready for testing and on-boarding LIC Housing Finance Limited ICICI Bank Aadhar Housing Finance Ltd. Aavas Financiers Ltd Tata Capital Housing Finance Limited Can Fin Homes Ltd. Bank of Baroda Rajasthan Marudhara Gramin bank Cholamandalam Investement & Finance Dhanlaxmi Bank J&K Bank South Indian Bank State Bank of India (16 PLIs) 1. 2. 3. 4. 5. 6. 7. 8. NHB 9. HUDCO 10. 11. 12. 13. SBI
CLAP Application through UMANG PLATFORM- 29 PLIs/Banks- 27Dec, 2021 S.No 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 PLIs Name ICICI HFL The Adarsh Co-Operative Urban Bank Ltd., capital bank Punjab and Sind Bank Sardar Vallabhbhai Sahakari Bank Ltd. Aavas Financiers Ltd. Piramal Capital and Housing Finance Limited DCB BANK India Home Loan The Karur Vysya Bank Ltd Kotak Bank IDFC First Canara Bank PNB North East Small First Finance Bank Nivara IOB Bajaj Union Bank
CLAP Application through UMANG PLATFORM- 29 PLIs/Banks- 27Dec, 2021 S.No 20 21 22 23 24 25 26 27 28 29 PLIs Name AXIS BANK ICICI BANK FEDERAL BANK ROHA Aadhar Housing CANFINS HOMES IDBI BANK Karnataka Gramin Bank Manappuram Home Finance Ltd Punjab Gramin Bank
