Rural Housing Schemes

  1. Rural housing schemes such as Indira Awaas Yojana (IAY) aim at providing dwelling units, free of cost, to the poor families of the Scheduled Castes (SCs), Scheduled Tribes (STs), freed bonded laborers and also the non- SC/ST persons Below Poverty Line (BPL) in the rural areas.
  2. The Scheme is funded on a cost-sharing basis of 75:25 between the Center and States.
  3. Till the end of 2003-04, the ceiling on construction assistance under IAY was Rs. 20,000/- in plain areas and Rs. 22,000/- in hilly areas, which has been increased to Rs. 25,000/- per unit for plain areas and Rs. 27,500/- for hilly areas from April 1, 2004. Twenty per cent of the allocation is allowed for upgradation of unserviceable Kutcha houses for which ceiling of Rs. 12,500 per unit applies since April 2004.
  4. Credit-cum-Subsidy Scheme for rural housing targeting rural families having annual income up to Rs.32, 000 was launched on April 4, 1999. An amount of Rs. 10 crore as equity support was provided to Housing and Urban Development Corporation (HUDCO) during 2003-04 by Ministry of Rural Development.
  5. In addition, the innovative scheme of Rural Housing and Habitat Development and Rural Building Centres (RBCs) was introduced to encourage innovative, cost effective and environment friendly solutions in building/housing sectors in rural areas.
  6. A National Mission for Rural Housing and Habitat has also been set up to address the critical issues of housing gap and induction of science and technology inputs into the housing/construction sector in rural areas.
  7. Since inception (up to June 1, 2004) 113.96 lakh houses have been constructed/upgraded by incurring an expenditure of Rs. 19,869 crore. During 2003-04, against the target of 14.84 lakh, 12.54 lakh (provisional) houses have been constructed/upgraded.