I am bit confused on the subsidy part. Suppose I need a loan of Rs. 10 lakh. 1 Lakh is presented by me as 10% margin. Now on the rest 90% ( 9 laks) there is a subsidy of 50%. So will this subsidy means that I will have to pay only 50% of money back as a loan money that is 4.5 lkh or it means the rest 4.5 lk would be interest free please help me in this.