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IAY- Indira Gandhi Awas Yojana

Indira Gandhi Awas Yojana

Indira Awas Yojana or IAY is one of the first centralised housing schemes for Indians. It was introduced by the then Prime Minister, Rajiv Gandhi, in 1985. The scheme’s primary objective was to provide housing for the economically weaker sections in the country, and individuals belonging to below the poverty line or BPL. At first, its benefits were exclusive to beneficiaries from the Scheduled Caste and Scheduled Tribe minority groups.

However, as of 2016, IAY was officially merged with the Pradhan Mantri Awas Yojana Gramin scheme.

What is the Indira Awas Yojana Scheme and Why Was it Renamed PMAY?

Indira Awas Yojana evolved over the years and is today equal in scope to PMAY Gramin scheme benefits. After proper assessment, IAY was restructured under this Pradhan Mantri Awas Yojana Gramin scheme in April 2016, just a year after PMAY was introduced by the Indian Government.

What is the IAY Scheme?

In the simplest term, IAY/PMAYG is a specialised housing scheme, offering affordable housing to homeless individuals or to families living in kutcha houses. The Central Government, with support from state governments, sponsors the construction of living units or pucca houses. These homes are then allotted to the beneficiaries of this scheme, along with several other benefits.

Each such house must be equipped with the proper living condition, as well as all sanitary amenities. Moreover, construction is carried out using eco-friendly material and procedures.

Steps to Check IAY List

IAY Gramin scheme beneficiaries need to check whether their application is approved by the government authorities. A list of names is published each year, containing the details of all beneficiaries for this PMAYG scheme from the preceding year. To check this list, one would need to follow the steps mentioned below –

  • Step 1: Visit the official PMAY portal.
  • Step 2: Navigate to ‘Search Beneficiary’ option and click on it.
  • Step 3: From the resulting drop-down menu, select the ‘Search by Name’ option.
  • Step 4: Type your name and look for it from the resulting list of beneficiaries.

This portal also allows for IAY beneficiary list, check by typing the first three characters of an individual’s name.

Key Features of Indira Awas Yojana

The primary features of this scheme include –

  • All constructed houses under this scheme must measure at least 25 square metres.
  • Along with each unit, beneficiaries will receive Rs.1.20 lakh as financial assistance in plain areas and Rs.1.30 lakh as assistance in hilly regions.
  • Beneficiaries can also find employment for 90/95 days under the MNREGA scheme.
  • Residents of only the recognised statutory towns under the Census of 2011 can claim benefits.

Benefits of Pradhan Mantri Indira Awas Yojana

The PMAYG scheme relays the following beneficial aspects to its beneficiaries –

  • The requirements of residents must be considered when designing a housing unit.
  • Environmentally sustainable techniques are used during unit construction, which ensures employment for individuals, besides the overarching environmental benefits.
  • IAY beneficiaries are also eligible to claim a loan of around Rs.70000 from associated financial institutions.
  • Each constructed house must be equipped with running water, electricity and proper sanitation facilities, including wash rooms. 

How to Apply for Indira Gandhi Awas Yojana?

The Indira Gandhi Awas Yojana does not have an application procedure as such. Names of beneficiaries are chosen and forwarded to the respective authorities by the Gram Sabha. Still, registration under this scheme is possible, using the following method –

  • Step 1: Visit the official PMAYG portal.
  • Step 2: Enter necessary details.
  • Step 3: Provide Aadhaar number and click ‘Search’.
  • Step 4: Find your name and click on ‘Select to Register’.
  • Step 5: Enter all other details and upload a consent form.
  • Step 6: Enter your savings account information.
  • Step 7: When availing a loan, click on ‘Yes’ in the next page and choose your desired principal.
  • Step 8: Enter MGNREGA and SBMG number to complete this registration process. 

IAY benefits are easy to understand and assess. It can aid homeless individuals to acquire a proper house for their families.