Housing and Space Management

Housing And Space Management 3(2+1)

Lesson 31: Government, Semi – Government Housing Schemes In India

Special Housing Plan For Housing

• The National Housing and Habitat Policy 1998 aimed at providing ‘Housing for All’. The Government is implementing Ashraya, Dr.Ambedkar and Indira Awas Yojana [only in rural areas] housing schemes for the economically weaker section in rural and urban areas of the state. Zilla panchayat is implementing this scheme in rural areas. The initial objective of the scheme was to provide dwelling units free of cost to the members of Scheduled Castes, Scheduled Tribes and freed bonded laborers living.
• A total of 20 Lakh additional housing units proposed to be constructed annually, of which 13 lakhs dwelling units would be in rural areas. These would be in addition to 12 lakh units constructed per year. Therefore, a total of 25 Lakh rural houses would be constructed annually.
• Main ingredients of the composite housing strategy are:
  • Indira Awas Yojana (IAY) –For construction of new houses free of cost for the target group below the poverty line comprising SCs/STs, freed bonded labourers and also non-SCs/STs families to continue. In addition, a new component for up gradation of kutcha and unserviceable houses is being introduced.
  • Credit –cum-subsidy scheme- To cover people up to twice the income level of the Below Poverty Line families. Assistance in the form of subsidy and loan on a 50:50 basis within Indira Awas Yojana (IAY) cost norms.
  • Innovative Stream for Rural Housing and Habitat Development (ISRHHD) - To encourage the use of cost effective, environment friendly, scientifically tested and appropriate indigenous and modern designs, technologies and materials.
  • National Housing Bank (NHB) – to finance 1 Lakh housing units under the Swarna Jayanti Housing Finance Scheme. Greater equity participation to HUDCO for construction of additional houses in rural areas.
  • Rural Building Centers - To facilitate technology transfer ,information dissemination, skill up gradation and production of cost effective and environment -friendly materials
  • Basic Minimum Services (BMS) Programmes – Housing is one of the seven components identified under the BMS to provide housing to the shelter less poor in a time bound manner.