Indira Awas Yojana (IAY) Features, Eligibility & Benefits

About Indira Awas Yojana (IAY)

Indira Awas Yojana (IAY) was a sub-scheme of the Rural Landless Employment Guarantee Programme (RLEGP). It is a social welfare program first launched by Rajiv Gandhi in the year 1985.

The Programme was the housing program of the Ministry of Rural Development. The main motive was to work towards constructing houses for the below poverty line population in rural India.

In the financial year 1995-96, the program extended to widows and close relatives of defence personnel killed in action as well, and from 1997-98.

the program extended to Scheduled Castes/Scheduled Tribes, Free bonded labourers in Rural areas. The beneficiary list was selected by the Grama Sabha.

Indira Awas Yojana

60% of the total scheme allocation should be utilized for the up-gradation/construction of dwelling units for SC/ST BPL households.

The 40% of allocation is for non-SC/ST BPL households. 3% of allocation for physically and mentally challenged persons. The scheme is funded by Centre and State government in 75:25 ratios.

From the financial year 2016-17, IAY has been renamed as Pradhan Mantri Awas Yojana (Gramin). The share of Central & State government for this scheme is 60:40 ratios which means, central share Rs 72,000/- and State share is 48,000/-.

RCC roofing cost Rs 50000/-. The total Unit cost is Rs 1.7 Lakhs. The total allocation cost is Rs 2304.405 Crores.

Key Features of IAY

  • Homes constructed Under IAY were under the joint ownership of wife and husband, except unmarried, widowed, and divorced. If the house constructed on the eligibility of disability, then they maintained sole ownership.
  • The construction carried out by the beneficiary only. Any external involvement was not permissible like contractors or agencies. If the government found such things, it withholds or confiscates the funding. Beneficiaries can acquire support from NGO’s, youth clubs, and others for monitoring and assisting during construction.
  • The main objective and initiative for this scheme are to promote an eco-friendly and sustainable mode of building houses. Locally-sourced materials preferred.
  • The funds released in instalments.
  • 1st instalment 25% of the total cost given on the sanctioned day of Indira Awas Yojana.
  • 2nd instalment 60% of the total cost given on the completion of reaching the lintel level.
  • 3rd and final of the remaining 15% of the total cost given on total completion of the house including bathroom and latrine and the beneficiary living in the house.
  • After receiving the 1st instalment, the beneficiary had 9 months to complete the first stage and the same after 2nd instalment only 9 months to complete the house.

CSC Digital Seva Online Registration, Application & Status

Benefits of IAY

  • Under the scheme, residents have to design their houses according to their requirements.
  • Aim to use the locally sourced materials for construction which lasts at least for 30 years.
  • IAY is promoting eco-friendly and environmentally sustainable construction techniques and generating employment.
  • IAY encouraged Panchayat to spearhead change in their constituency, so the program effectively implemented across the Nation.
  • The scheme supports the construction of houses with required provisions like workplaces.

Eligibility for the Indira Awas Yojana

IAY scheme’s main aim is to construct houses for the poor lives in rural areas of India. Other than BPL people below are also eligible for this scheme.

  1. Handicapped or disabled citizens
  2. Ex-service personnel
  3. The Scheduled Caste and Scheduled Tribe category people
  4. Free bonded labourers
  5. Widows
  6. Parliamentary Personnel killed in action and next of kin of defence
  7. The marginalized sector of society citizens.

Special Projects by IAY

IAY scheme made accessible reserve funds from the Central Government to ensure that some special projects carried out smoothly across the states.

  • Rehabilitating the below poverty line families and affected by the violent outbreaks
  • Rehabilitating the below poverty line families and affected by natural calamities
  • Offering settlement to the families forced to relocate to the international borders.
  • Providing settlement for scavengers, tribal societies, and laborers
  • Providing rehabilitation for individuals affected by occupational diseases and “Kala-azar.”

Official Website for IAY

Leave a Comment