|
|
| |
|
 |
RURAL HOUSING
i) INDIRA AWAAS YOJANA (IAY)
IAY is the flagship rural housing scheme, which is being implemented by
the Government of India with an aim of providing shelter to the poor
below poverty line. The Government of India has decided that allocation
of funds under IAY (Indira Awas Yojna)will be on the basis of poverty
ratio and housing shortage.
Objective :
The objective of IAY is primarily to help construction of new dwelling
units as well as conversion of unserviceable kutcha houses into pucca/semi-pucca
by members of SC/STs, freed bonded labourers and also non-SC/ST rural
poor below the poverty line by extending them grant-in-aid.
Scope :
IAY is a beneficiary-oriented programme aimed at providing houses for
SC/ST households who are victims of atrocities, households headed by
widows/unmarried women and SC/ST households who are below the poverty
line. This scheme has been in effect from 1st April 1999.
Funding :
IAY is a Centrally sponsored scheme funded on cost sharing basis between
the Govt. of India and the States in the ratio of 75:25 respectively.
Strategy :
Grant of Rs. 25,000/- per unit is provided in the plain areas and Rs.
27,500/- in hilly/difficult areas for the construction of a house. For
conversion of a kutcha house into in pucca house, Rs. 12,500/- is
provided. Sanitary latrines and chulahs are integral part of the house.
In construction/upgradation of the house, cost effective and environment
friendly technologies, materials and designs are encouraged. The
household is allotted in the name of a female member of beneficiary
household.
How to Seek Assistance :
The person concerned should contact the Village Panchayat or Village
Level Worker or the Block Development Officer or District Rural
Development Agency.
iii) CREDIT-CUM-SUBSIDY SCHEME
There were a large number of households in the rural areas, which could
not be covered under the IAY, as either they do not fall into the range
of eligibility or due to the limits imposed by the available budget. On
the other hand due to limited repayment capacity, these rural households
cannot take benefit of fully loan-based schemes offered by some of the
housing finance institutions. The need of this majority can be met
through a scheme which is part credit and part subsidy based.
Objective :
The objective of this scheme for rural housing is to facilitate
construction of houses for rural families who have some repayment
capacity. The scheme aims at eradicating shelterlessness from the rural
area of the country.
Scope :
The scheme provides shelter to rural families who have not been coveted
under IAY and who are desirous of possessing a house. All rural
households having annual income upto Rs. 32,000/- and who resides away
from the town are covered under this scheme.
Funding :
The Centre and the State, in the ratio of 75:25 share the funds
respectively.
Strategy :
Rural poor just above the poverty line are entitled to get the benefits
of the scheme. Under this scheme, a maximum amount as loan to be given
per unit for the construction of a household will be Rs. 50,000/- out of
which Rs. 37,500/- is loan from bank & balance amount - subsidy Rs.
12,500/- will be given to the bank by DRDA Sanitary latrine and
smokeless chulha are integral part of the house. Cost effective and
environment friendly technologies, materials, designs etc. are
encouraged. Sixty per cent (60%) of the houses are allocated to SC/ST
rural poor.
How to Seek Assistance :
State Governments decide the implementation agency, which may be the
State Housing Board, State Housing Corporation, specified scheduled
Commercial bank, Housing Finance Institution or the DRDA/ZP. The person
desirous of getting benefit of the scheme may approach the implementing
agency. |
|
|
|
................................................................................................................................................ |
|
