Indira Awaas Yojana

'Indira Awaas Yojana' is a social welfare programme to provide housing for the rural poor in India by the Govt. of India.

Under the scheme, financial assistance worth Rs. 75,000/- in plain areas and Rs. 75,000/- in difficult areas is provided for construction of houses. The houses are allotted in the name of the woman or jointly between husband and wife. The construction of the houses is the sole responsibility of the beneficiary and engagement of contractors is strictly prohibited. Sanitary latrine and smokeless chullah are required to be constructed along with each IAY house for which additional financial assistance is provided from Total Sanitation Campaign and Rajiv Gandhi Grameen Vidyutikaran Yojana respectively.

This scheme, operating since 1985, provides subsidies and cash assistance to people in villages for construct their houses, themselves.

IAY is an allocation based, centrally sponsored scheme funded on a cost sharing basis between the Central Government and the State Government in the 75%:25% ratio, except in case of North-eastern states and Union Territories (UTs). For NE states the central government funds 90% and 100% for the UTs.