Rural Housing and Swarnajayanti Gram Swarozgar Yojana in India

Rural Housing and Swarnajayanti Gram Swarozgar Yojana in India

Rural Housing [[Rural-Development-Programs-Schemes-India |Indira Awas Yojana (IAV)]] was launched as a sub – scheme of Jawahar Rozgar Yojana (JRY) in 1985. It is being implemented as an independent scheme since 1 January 1996. It aims at providing assistance to rural people below poverty line belonging to SC/ ST, freed bonded laborers, widows or next – of – kin of defense personnel killed in action for the construction of dwelling units and upgradation of existing unserviceable kutcha houses. 3 per cent of funds are reserved for the physically and mentally challenged persons living below poverty line in rural areas.

  • Under the Scheme, financial resources are shared between the center and the states on a 75:25 basis.
  • Under Bharat Nirman, 60 lakh houses are to be constructed under the Scheme of Indira Awaas Yojana in four years w.e.f 2005-06 to 2008-09 lakh houses have been constructed during first three years of the Bharat Nirman Programme period.
  • The objective of it is to bring the assisted poor families above the poverty line by organizing them into self help groups through the process of social mobilization, their training and capacity building and provision of income generating assets through a mix of bank credit and govt. subsidy.
  • The focus of the program is on establishing a large no of micro enterprises in rural areas based on the ability of the poor and potential of each area, both land based and otherwise, for sustainable income generation.
  • The SGSY has special focus on the vulnerabale groups among the rural poor. Accordingly, the SCs/ STs would account for at least 50 per cent of the Swarojgaries, women for 40 per cent and the disabled for 3 per cent. SGSY is being implemented through the District Rural Development Agencies (DRDAs), with active involvement of panchayati raj institutions, banks and NGOs.


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