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 up gradation of existing unserviceable kutcha houses. 3 per cent of the fund is 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.
  • Swarnajayanti Gram Swarozgar Yojana: It is a major ongoing integrated program for self-employment of the rural poor with effect from 1 April 1999.
  • 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 the special focus on the vulnerable 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 the active involvement of Panchayati raj institutionsbanks, and NGOs.

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