Get real time updates directly on you device, subscribe now.
Table of Contents
Indira Gandhi Awas Yojana (IAY) Overview
What is Awaas Yojana from Indira?
Under the leadership of Rajiv Gandhi, the government launched a public housing program in 1985, which is popularly known as the Indira Awaas Yojana.
The RLEGP, the Rural Landless Job Guarantee Program’s official acronym, happened to fall under a broader scheme. Under the Ministry of Rural Development, this system was run where the primary objective was to provide roofless housing.
In rural communities, the Indira Awaas Yojana aims to encourage the building of houses for the needy. The Gram Sabha of that locality defines the primary household groups falling under this program as the Below Poverty Line (BPL). This system is not, however, limited to the above classification group only.
It is also available to people with disabilities and disabilities, matriarchal families, ex-service persons, individuals in the groups of the Scheduled Caste and Scheduled Tribe, free bonded jobs, widows and relatives of defense staff and paramilitary personnel killed in combat, and individuals, among others from the oppressed sections of society.
Why did it matter to the nation?
The primary reason for providing rural housing was Indira Awaas Yojana, which was paramount to the government. There were other housing regimes under the government before this housing policy.
Unlike the Indira Awaas Yojana, however, these schemes were not standardized, and some schemes supplied the entire accommodation, while others only supplied the building expenses.
For the India Awaas Yojana, both the state government and the central government were responsible for the funds. There was a ratio of 75:25 for the allocation of contributions from the central government and the state government.
Pradhan Mantri Awas Yojana Features
- Beneficiaries are given interest discounts at 6.5 percent on mortgage loans for 15 years.
- There is a clear distribution preference for ground floor properties, concentrating on differently-abled and senior citizens.
- Eco-friendly and sustainable methods for the building of houses are heavily used.
Criteria for PMAY Scheme Eligibility
- To identify and select beneficiaries on the Pradhan Mantri Awas Yojana list, India’s Government will use SECC 2011. Before preparing the final list under the rural housing scheme, a discussion will be held with village panchayats and tehsils. Let us look at the points that make you worthy of taking advantage of the system’s benefits.
- A household managing a total annual revenue of between 6 lakh-18 lakhs is eligible for a PMAY application. Also, the nominee can include the spouse’s income statistics when requesting this scheme.
- Women who are Indian citizens can apply as well.
- The beneficiary is only authorized to buy a new house for the profit of Pradhan Mantri Awas Yojana.
- Applicants who already own a house do not apply for the PMAY program.
- Candidates are only permitted to build or purchase new buildings. In houses that are already built, a person cannot enjoy PMAY benefits.
- Also, individuals belonging to the low-income community, that is, economically poorer, are allowed to apply for LIG sections.
- Scheduled castes and tribes are also required to use this facility.
Indira Awaas Yojana’s Benefits
The advantages of the Indira Awaas Yojana are the following:
- The Indira Awaas Yojana aims to assist and encourage the development of rural houses.
- The Indira Awaas Yojana aims to help build houses with the requisite materials, including in-house workplaces.
- Based on the home specifications, the houses under the Indira Awaas Yojana are to be constructed.
- The Indira Awaas Yojana aims to use locally available materials to construct a house that will last for at least thirty years from its construction.
- Indira Awaas Yojana aims to encourage inexpensive and environmentally friendly materials and technology along with job generation.
- The Indira Awaas Yojana also seeks to motivate and enable the Panchayats to take the lead role in successfully implementing the housing program.