Indira Awas Yojana: All You Need To Know

Are you looking for housing information under Indira Awaas Yojana? Do you want to know about housing schemes under Indira Awaas Yojana (IAY)? This article is about information related to housing under the scheme, eligibility, financial assistance and selection procedure. 

1. What is Indira Awaas Yojana?

IAY is a popular housing scheme introduced by the Government of India in 1985 under the leadership of the then Prime Minister Rajiv Gandhi. It mainly targeted the people living below the poverty line (BPL). It has been restructured as Pradhan Mantri Awaas Yojana-Gramin from 1^st April 2016 after certain gaps were found during implementation.

2. Who are eligible for it?

Scheduled Castes, Scheduled Tribes, OBCs and General who fall under the BPL category are eligible for housing under the IAY. People who work as bonded labours, manual scavengers, physically and mentally challenged persons, women facing difficult circumstances and transgender will be given priority. 

3. Will only the BPL people be benefited?

The scheme is open for those non-BPL card holders whose husband or closest kin have been killed while in defense, police or paramilitary forces. Women in dire need, especially widows, divorces or whose husband has abandoned them or missing for at least three years are also eligible.

4. How much financial assistance will be provided under the scheme?

In case you need a place in plain areas, you will be provided approximately Rs 70,000/- and in hilly or remote areas, it will be Rs 75,000/-. In case you need to upgrade your housing condition, you will be provided an assistance of Rs 15,000/- approximately. If you are looking for a housing site, you will be provided Rs 20,000/-.

5. Who will pay me?

The Central and the respective State Governments share the fund in a ratio of 75:25. In the North Eastern states the ratio is 90:10 of the Central and the State Governments.  If you are from any of the Union Territories, it will be funded by the Central Government entirely. The Central Government and the State Governments will share the cost of housing sites on an equal basis.

6. How do they select beneficiaries?

The scheme uses the parameters on housing deprivation in the Socio Economic and Caste Census so that they can use authentic data. These data are already verified by the respective Gram Sabhas.

7. What else should I know about it?

a.      There is an e-governance model for implementing the program and monitoring it. The AwaasSoft and the Awaas app has been built for facilitating the program. With the Awaas app, you can monitor the status of your housing through real time and geo-referencing.

b.     The houses are designed keeping in mind the need of the residence. They are built by using local materials and resources. They are made to combat disaster and can last till thirty to forty years from the time of construction.

c.      All the payments are done through DBT to the accounts registered under the Awaas SoftMIS.

8. How to apply for it?

If you are an applicant, you need to furnish your Aadhaar number at first. There is an online form where you have to put in the details. Once the number is verified, then only you can proceed to the next page of filling the application form. The Aadhaar number will be the proof that you are an authentic beneficiary.

On the next page of filling up the form, you have to provide details like your state and place of residence, current address, head of the households and other information.

The beneficiaries have been divided into two categories. One is the economically weaker section and another one is the slum dweller. For further details regarding the categories, click on the link: 

https://pmayg.nic.in/netiay/IAY%20revised%20guidelines%20july%202013.pdf

In order to know what the scheme offers so that you can see whether you are eligible or not, follow the link: 

https://www.bankbazaar.com/home-loan/pradhan-mantri-awas-yojana.html

For additional information, check out this link:

https://www.inc.in/en/in-focus/indira-awaas-yojana-everything-you-need-to-know

The target of the scheme is to provide housing to each and every beneficiary by the year 2022. So, don’t skip any more precious time and start planning your home from today.