Indira awaas yojana

indira awaas yojana

1. SEMINAR
OF
HSM-505
TOPIC - INDIRA AWAAS YOJANA
Submitted by
Monika singh
B.sc.(h.sc.)
111168

2. Introduction
•Indira Awaas Yojana is a government of india
social welfare programme to provide housing
for the rural poor in india.
•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.

4. 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.

5. 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 .

6. 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

7. •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

8. •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

9. 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

10. Target Group/Priority in Selection
of Beneficiaries:
The order of priority for selection 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.

11. (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

12. 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

13. 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.

14. 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.

15. (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 respectively
% of fund Utilization for construction
A minimum of 60 % of funds  for SC/ST. 
A maximum of 40%. Of funds  for non-SC/ST BPL rural households
3% per cent of funds  reserved for the disabled persons living below the poverty-
line in rural areas 
Upto 20% of the total funds utilized for upgradation of existing kutcha houses and 
towards subsidy for construction of houses with credit from 
Banks/Financial institutions . 

16. FUNDING PATTERN

17. 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 Bima   loan for the benefit of rural landless families
 MNREGA and Self Help Group job card 

18. 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.

19. 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 . 

20. Involvement of beneficiaries

21. Appropriate Construction
Technology and local materials
•While fixing technical specifications, 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. 

22. Materials used in IAY houses

23. 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.

24. 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.

25. Type design of IAY house

26. Display of IAY Board and Logo

27. 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.

28. 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 India based on the 2001 Census

29. Allocation under IAY

30. 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.

31. •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.

32. 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

33. Achievement Of IAY In The First
Year Of 12th Five Year Plan

34. Total Outlay for IAY Rs. 10000.00 crore
Central Releases Rs. 9864.78 cr
Total Available Funds Rs. 18982.69 cr
Utilization Rs. 12451.13 cr (65.59%)
Physical Target 27.27 lakh
Physical Achievement 23.69 lakh (86.90%)
No. of houses sanctioned in 2011-1230.60 lakh (112.24%)
No. of houses sanctioned to SC/ST15.83 lakh (51.74%)
No. of houses sanctioned to Minorities3.92 lakh (96.80% on
minority target)
( 12.84% on total target)
Information up to 31/03/2012 (105 districts are yet to upload
progress)
Financial & Physical Performance of IAY
(2011-12 )

36. •Physical progress is 92%
•Utilization of funds out of Total Available Funds is 88%
•Out of 71 districts, 16 districts have reported less than 90% physical
achievement
•36627 houses are incomplete, out of which 1301 houses sanctioned
before 2010-11 and 35326 during 2010-11 & 2011-12
•Against the due State Share Rs. 386.02 crore, State has released Rs.
382.24 crore
•Rs. 198.21 crore lying unspent with DRDAs
•Non settlement of accounts of special packages i.e, 5% IAY,
Homestead
IAY In Uttar Pradesh

37. •Non compliance of conditions imposed while releasing 2
nd

installment namely Ambedkar Nagar, Auraiya, Bahruch,
Banda, Barabanki, Bijnor, Budaun, Chitrakoot, Etah,
Faizabad, Gautam Budha Nagar, Gorakhpur, Hamirpur,
Jaunpur, Kannauj, Kashiram Nagar, Kaushambi, Kushinagar,
Lalitpur, Lucknow, Mirzapur, Muzaffarnagar, Rampur,
Sahranpur, Shahjahanpur, Siddharthnagar, Sitapur,
Sultanpur and Varanasi
•No progress have been reported about Rs. 1.89 crore
released for purchase of Homesites during 2010-11
•Coverage of SC/ST is 50.29%, of minority is 11.34% and of
Physically Handicapped is 1.20%
•18.14% of IAY houses have got sanitary toilets during the
year 2011-12

38. Seeding Of Aadhar Number And
Implementation Of direct Benefit
Transfer

Further, a letter dated 8th January, 2013 was issued to all States requesting
them :
•To ensure that the data on beneficiaries for the current year (2012-13) is
updated on the scheme website along with the disbursement details.
•To update the beneficiary profile of all beneficiaries in the Permanent IAY
Waitlist already existing, onto the scheme database.
•To seed the beneficiary database with the bank/post office account
details as well as Aadhar number (in case enrolment has taken place but
UID number not given, the Enrolment number (EID) may be seeded) in
states where the National Population Register is operational, the TIN
number may be uploaded. The State Govts. Have been requested to
accord priority to ensure that digitisation is completed by 31.1.2013.

39. Changes In Guidelines of IAY
(i) Enhancement in financial assistance for IAY houses
A decision has been taken with Cabinet s 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.

40. (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.

41. 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.

42. 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 Ministry’s 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

43. IAY’s News

44. Thank you.