Special Feature

A HOUSE TO LIVE UNDER INDIRA AWAS YOJANA
-Radheshyam Tewari
Jaipur
31 December, 2010
 A four walled small shelter named ‘Home' to rest at night and to face the another day's reality, is needed for every citizen of the country. The problem of Awas, (a home) is third most urgently needed necessity after food and clothing, which has been discussed since centuries but has not been solved completely. 
To solve the problem of Awas once and forever the, the scheme of Indira Awas Yojna (IAy) was initially started in 1985, as a sub scheme of Jawahar Rojgar yojna which completes 25 years in the year 2010. In a way the year 2010 is the golden jubilee year of Indira Awas Yojna, one of the highly Important segment of the Rural Development of India. 
The idea behind this scheme is to build, reconstruction, and upgrade the houses of scheduled cast and scheduled tribes, free bonded labourers and all the members of below poverty line of the society. Its funding planning is based on central and the state both share about 75% and 25 % of the budget respectively. The Rajasthan government is seriously trying to achieve the 100% goal by 2012 as per schedule. Houses were also approved for destitute women of the state during the period. It is hoped that with the untiring efforts of the State Government  the scheme to provide each poor a house to live respectfully in the state will come true.  
Under the scheme allotment of the house is done in the name of the female member of the house holds or in the Joint names of husband and wife .If one looks the main idea behind this scheme it appears to be centred at the empowerment of the women of the state. For example allotment was done in the name of the women alone and secondly no house was permitted to be named after any male person without his wife's name and thirdly more houses were approved for the women who were struggling to survive in the society.  
As per guidelines of the scheme a minimum of 60 % funds are to be utilized for the construction of the houses for the SC/ST and 15% for minorities. There is also a provision to provide such facilities to 3% physically handicapped persons.  
As per norms, assistance for construction of new house is provided at the rate of Rs. 45000/-and Rs. 48,500/- per unit in the plain and hilly/ difficult areas respectively.  IAY houses have also been included under the differential rate of interest (DRI) scheme for lending by Nationalized Banks upto Rs.20,000/. In addition to that 5% of the central allocation can be utilized for meeting exigencies arising out of natural calamities. And other emergent situations like riot, arson, loot, fire, and rehabilitation. 
Rajasthan has come a long way on the road of rural development. Under the scheme the state government has constituted a “rural employment development council” to monitor and supervise so that the activities related to the development are being carried away smoothly.