INDIRA AWAAS YOJANA

Introduction

Indira Awaas Yojana is

agovernment of india social
welfare programme to provide
housing for the rural poor
inindia.
Indira Awaas Yojana (IAY) is a
flagship scheme of the Ministry
of Rural Development to
provide financial assistance to
rural BPL households for
construction/upgradation of
dwelling units.
 Brief history
Indira Awaas Yojana (IAY) was
launched during 1985-86 as a
sub-scheme of Rural Landless
Employment Guarantee
Programme (RLEGP) and
continued as a sub-scheme of
Jawahar Rozgar Yojana (JRY) since
its launching from April, 1989.
It has been delinked from the JRY
and has been made an
independent scheme with effect
from January 1, 1996.
Objective / purpose
The objective of IAY is primarily to
provide grant for construction of
houses to members of Scheduled
Castes/Scheduled Tribes,ex
servicemen , widows, freed
bonded labours, minorities in the
below poverty line category and
other below poverty line non-
SC/ST rural households by
providing them a lump sum
financial assistance .
Mission
To set up systems to facilitate
and maintain a sustained
growth of the housing stock to
ensure adequate and
affordable housing for all
To provide homestead plots for
the poorest and the vulnerable
who do not have agricultural
land or house sites
To promote adequate flow of
grant from Government to
support housing for the
poorest and the vulnerable
To address the special needs of
marginal and weaker sections of
the society such as
SCs/STs/Women etc
To develop, promote and transfer
use of appropriate, environment-
friendly, energy-efficient and
disaster-resistant technology
To strengthen functioning of
Panchayati Raj Institutions (PRIs)
and encourage partnership
among civil society, public and
private sectors
Duties
Dealing with all issues related to
Rural housing and all matters
germane and incidental, in so far
as it relates to rural areas
Main activities / functions
Formulation of policy guidelines,
Release of funds under IAY and
Homestead Scheme
Monitoring and evaluation
List of services being
provided
Allotment of Physical/Financial
Target
Allocation of funds
Release of funds
Monitoring and Review of
implementation of the Scheme
Organising training
programmes for functionaries
involved in the implementation
of the Scheme
 Target
Group/Priority in
Selection of
The order of priority for selection
Beneficiaries:
of beneficiaries amongst target
group below poverty line is as
follows:
(i) Freed bonded labourers
(ii) SC/ST households who are
victims of atrocities
(iii) SC/ST households, headed
by widows and unmarried
women.
(iv) SC/ST households affected
by flood, fire, earthquake,
cyclone and similar natural
calamities.
(v) Other SC/ST households.
(vi) Non- SC/ST households.
(vii) Physically handicapped.
(viii) Families/widows of personnel
of defence services / para-
military forces, killed in action.
(ix) Displaced persons on account
of developmental projects,
nomadic seminomadic and de-
notified tribals, families with
disabled members and internal
refugees, subject to the
households being below poverty
line
Provisions
60% of the funds should go for
SC/ST Families.
Gram Panchayats may draw out
the shelterless families from the
BPL List.
House will be registered in the
name of Female member.
(Women empowerment)
Family can also get additional
loan upto Rs. 20,000 at 4%
interest rate, incase they want
to do more furnishing of the
house
Location of Indira
Awaas Yojana
The houses should normally
built on individual plots in the
main habitation of the village
and can also be built in a
cluster within a habitation, so as
to facilitate the development of
infrastructure, such as, internal
roads, drainage, drinking water
supply etc., and other common
facilities.
Houses are located close to the
village and not far away so as to
ensure safety and security,
nearness to work place and
social communication.
 FUNDING PATTERN

At present the unit assistance under IAY is

Rs.45, 000/- per unit in the plain areas and
Rs.48,500 in hilly/difficult areas. Cabinet
has approved enhancement of the unit
assistance under IAY from Rs.45,000/-
to Rs.70,000/- in plain areas and from
Rs.48,500/- to Rs.75,000/-in
hilly/difficult from 1st April 2013.
 (ii) Funding of IAY is shared between
the Government of India and the
State Governments in the ratio of
75:25.
(iii) Allocation to States is on the basis
of 75:25 weightage to housing
shortage and poverty ratio
respectively and to districts on the
basis of 75:25 weightage to housing
shortage and rural SC/ST population
% of fund Utilization for
respectively
construction
A minimum of for SC/ST.
60 % of funds
A maximum of for non-SC/ST BPL rural
40%. Of funds households
3% per cent of reserved for the disabled
funds persons living below the
poverty-line in rural areas

Upto 20% of the utilized for upgradation of

FUNDING PATTERN
 Convergence with
other Schemes:
IAY Scheme has been converged
with Rajiv Gandhi Grameen
Vidyutikaran Yojana (RGGVY), Total
Sanitation Campaign (TSC),
Janshree and Aam Aadmi Bima
Yojana and MGNREGA
Scheme Work
TSC building toilet.
RGGVY free electricity connection
to the house.

Janshree Bima loan for rural BPL

Aam Aadmi loan for the benefit of
Bima rural landless families
MNREGA and job card
Self Help
Group
HOMESTEAD
SCHEME
A scheme was launched on 24th August,
2009 as part of IAY, for providing
homestead sites to those rural BPL
households whose names are included in
the Permanent IAY Waitlists but who have
neither agricultural land nor a house site
Rs. 10,000/- per homestead site is being
provided under the Scheme and the
funding of which is shared by the Centre
and the States in the ratio of 50:50 while
in the case of UTs Central Government will
fund 100%.
With effect from 1st April 2013, the
unit assistance for
purchase/acquisition of Homestead
Plot/ Homesite has been enhanced
from Rs 10,000/- to Rs. 20,000/- with
the share of Centre and the States
being retained at 50:50.
Involvement of
beneficiaries
The beneficiaries may make their
own arrangement for the
construction, engage skilled
workmen on their own and also
contribute family labour.
The beneficiaries will have
complete freedom as to the
manner of construction of the
house which is their own. This will
result in economy in cost, ensure
quality of construction, lead to
satisfaction on the part of
beneficiaries and acceptance of
the house.
No contractor is allowed in the
construction of IAY houses .
Involvement of
beneficiaries
Appropriate
Construction
Technology and local
While fixing technical specifications,
materials
effort should be made to utilize, to the
maximum possible extent, local
materials and cost effective technologies
developed by various institutions.
The implementing agency should contact
various organizations/institutions for
seeking expertise and information on
innovative technologies, materials,
designs and methods to help
beneficiaries in the construction of
durable and economical houses
The State Governments may also
arrange to make available information
on cost effective environment friendly
technologies, materials, designs, etc. at
block/district level.
Materials used in
IAY houses
Type Design

1. The layout, size and type design of

IAY houses should depend on the
local conditions. Hence, no type
design should be prescribed for IAY
house except that the plinth area of
the houses should be around 20 sq.
mts..
2 .The houses should be designed in
accordance with the desire of the
beneficiaries keeping in view the
climatic conditions and the need to
provide proper space, kitchen,
ventilation, sanitary facilities,
smokeless chullah , etc. and the
community perceptions, preferences
and cultural attitude. No type design
should be imposed on the beneficiary.
3. The barrier free concept may be
incorporated in the construction of
houses meant for the disabled person
with a view to facilitate his smooth and
free movement in the house.
However, as far as possible, the design
of the house should conform to the
occupational requirements of the
beneficiary.
4. In areas frequented by natural
calamities such as fire, flood, cyclones,
earthquakes, etc., incorporation of
disaster resistant features in the design
should be encouraged.
Type design of IAY
house
Display of IAY Board
and Logo
 Monitoring
The Indira Awaas Yojana is being
continuously reviewed through Monthly and
Annual Reports received from the
States/UTs. Area Officers visit the allotted
States/UTs from time to time and inspect
the actual implementation of the
programme in the field.
The programme is also reviewed at the
meetings with the State Secretaries of Rural
Development and with the Project Directors
of DRDAs in the workshops held every year
From April 2006 onwards, an online
monitoring mechanism has been put in
place to enable DRDAs to upload their
monthly progress reports into the website of
the Ministry. A transaction based MIS has
been launched on 16.7.2010 which will
capture the progress in construction of IAY
houses and funds disbursed to
beneficiaries.
Implementation
IAY is an allocation based, centrally
sponsored scheme funded on a cost
sharing basis between the Central
Government and the State
Government in the 75%:25% ratio,
except in case of North-eastern
states and Union Territories (UTs). For
NE states the central government
funds 90% and 100% for the UTs.
The funds are allocated to the states
based on 75% weightage of rural
housing shortage and 25%
weightage of poverty ratio. The
housing shortage is as per the official
published figures of
Registrar General of Indiabased on
the 2001 Census
Allocation under IAY
Evaluation Studies
The States/UTs should conduct
periodic evaluation studies on the
implementation of the IAY.
Evaluation studies may be got
conducted by reputed institutions and
organisations on issues thrown up by
the concurrent evaluation, meriting
detailed studies by the States/UTs as
well as the Government of India.
Copies of the reports of these
evaluation studies conducted by the
States/UTs should be furnished to the
Government of India.
Remedial action should be taken by
the States/UTs on the basis of the
observations made in these
evaluation studies and also in the
concurrent evaluation conducted by
or on behalf of Government of India.
Payment to beneficiaries
Payment should be made to the
beneficiary on a staggered basis
depending on the progress of the
work. The entire money should not
be paid to the beneficiary in lump-
sum. Installments of payments can
be laid down by the State
Government or at the district level to
be linked to the progress of work.
Separate Bank Account for
Indira Awaas Yojana
The IAY funds (Central share as well
as State share) shall be kept in a
nationalised/scheduled or
cooperative bank or a Post Office in
an exclusive and separate savings
bank account by the DRDAs.
 Impact of IAY
The popularity can be attributed to
the fact that the scheme enables
beneficiaries to participate & involve
themselves in construction of their
home.
Providing houses to the poorest also
has a positive impact on people's
physical & mental health
Undoubtedly, there is a direct link
between a safe and secure housing
to better standards of living &
reduction in vulnerability
Changes In
Guidelines of IAY
(i) Enhancement in financial
assistance for IAY houses
A decision has been taken with Cabinets
approval to enhance the unit assistance
from Rs.45,000/- to Rs.70,000/- in plain
areas and from Rs.48,500/- to
Rs.75,000/-in hilly/difficult/IAP areas
which will be effective from 1st April
2013.
(ii) Change in funding pattern
In the case of North-Eastern States and
Sikkim, cost sharing between the
Government of India and these States
has been revised in the ratio of 90:10
since second instalment of 2008-09. In
the case of Union Territories, the entire
funds under this Scheme are provided
by the Government of India.
(iii) Modification of IAY guidelines
relating to release of funds to
Cold Zone / Difficult districts
under IAY, funds to Kargil and Leh
districts of Jammu and Kashmir,
Kinnaur and Lahul Spiti districts of
Himanchal Pradesh, all the three
districts of Andaman & Nicobar
Ialands and the Lakhdweep are
released in one lump sum
installment because of very limited
working season. Funds of these
districts were being released on
submission of proposal along with AR
for the previous year and the latest
expenditure, if any, for the current
year.
I.E.C. Strategies for
Promoting I.A.Y.
1. Production of Short Films for
making the beneficiaries aware
of their rights and obligations.
2. Few episodes for Radio and
Video Magazine of half an hour
duration (approx.) which explains
vision and mission of IAY scheme
3. Video and Audio spots are
expected to showcase the
achievements of IAY as well as to
spread awareness about of IAY.
4. The Rural cinemas can be
helpful in disseminating
information to the target
beneficiaries in rural areas.
Grievance Redressal
Mechanisms
CPGRAMS
The citizen can lodge grievance
online through the link available at
http://pgportal.gov.in.
AWAASSoft
Citizens can lodge their
complaints in the website
www.iay.nic.in in Awwassoft.
By post / submission at the
Ministrys Facilitation Counter
Grievances can also be sent by
post at the above noted address or
submitted at the Facilitation
Counter of the Ministry located at
Krishi Bhawan
Thank you.