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Indira Awas Yojana (IAY) Gramin

Indira Awas Yojana Scheme Details, Apr 2021

Last Updated 14th Apr 2021

Official website Pmayg.nic.in/iay.nic.in
Toll-free number 1800-11-6446, 1800-11-8111
Mail id (for complaint or suggestion) support-pmayg@gov.in, helpdesk-pfms@gov.in
Beneficiary Registration Guide https://pmayg.nic.in/netiay/Document/PMAYG-Registratio-Manual.pdf
Contact person details (State Wise) https://pmayg.nic.in/netiay/ContactFilled.aspx
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What is IAY Scheme?

Indira Gandhi Awas Yojana (IAY), relaunched as Pradhan Mantri Awas Yojana (Gramin/Rural) in 2016, is an Indian Government-sponsored housing program that aims to build affordable housing for all. This social welfare scheme works along with the Pradhan Mantri Awas Yojana to fulfil the commitment of providing housing for all by 2022. In addition to building pucca houses for those living in kutcha houses, this housing program provides subsided interest rates on housing loans. IAY covers all rural areas of the country excluding Delhi and Chandigarh. 

Indira Awas Yojana

A former component of Jawahar Rozgar Yojana, Indira Gandhi Awas Yojana was launched in 1985 by then Prime Minister, Rajiv Gandhi. However, from 1996 the IAY started operating as an independent scheme. The initial aim of the scheme was to provide housing for people belonging to Scheduled Caste, Schedule Tribe, freed bonded labourers residing in rural areas and people belonging below the poverty line regardless of their SC or ST status. BPL cardholders of the SC/ST community were allocated 60% assistance under the housing scheme and rest 40% was for non-SC/ST BPL cardholders. Furthermore, 4% and 15% from the mentioned categories, were respectively secured for mentally-physically changed individuals and applicants of minor communities. The key point to remember is that the beneficiary list under the Indira Gandhi Awas Yojana was made based on the BPL list as approved by respective Gram Sabhas. 

The IAY scheme was funded jointly by the Central Government and State Governments at a 75:25 ratio. Until, the financial year of 2011-12, the unit cost of construction was ₹ 75,000. However, in the financial year 2011-12, the unit cost increased to ₹ 1 Lakh. From 2011-2012 to 2015-16, 4,41,637 houses had been built with a budget of ₹ 4875.728 cr. The features, operational functions and other characteristics of the Indira Gandhi Awas Yojana changed in April 2016, when the current Prime Minister of India, Narendra Modi reintroduced the Indira Gandhi Awas Yojana as Pradhan Mantri Awas Yojana – Gramin (PMAY – G). Hence, the IAY scheme is currently operating with the same objectives but in a new form. 

How to Apply for Indira Awas Yojana in iay.nic.in

The process of applying in iaynicìn has to be done offline. Gram Sabhas generally prepare the beneficiary list under the IAY scheme using the data from Socio-Economy and Caste Census or SESC. However, individuals willing to apply for the scheme can contact their respective Gram Sabhas and collect the Pradhan Mantri IAY Yojana form. 

The registration process for the iaynicìn is done in the following four stages. 

  • Furnishing personal details
  • Furnishing bank details
  • Furnishing convergence details
  • Furnishing details from concerned office.

You can take assistance from any third party. In such circumstances, the third party will require a consent document to use your Aadhaar details.

IAY State Wise List

Below-mentioned is the list of states that comes under Indira Awas Yojana

  • Chattisgarh
  • Rajasthan
  • Haryana
  • Gujarat
  • Odisha
  • Maharashtra
  • Kerala
  • Karnataka
  • Tamil Nadu
  • Jammu & Kashmir
  • Jharkhand
  • Madhya Pradesh
  • Uttrakhand
  • Uttar Pradesh

Steps to Check IAY List on iay.nic.in

You can check your name in the list issues by IAY by following the below-mentioned steps: 

Step 1: First of all, visit the official website of PMAY Gramin or paste this URL in another tab; https://pmayg.nic.in/netiay/home.aspx. 

Step 2: Now, on the menu bar hover on the option of 'Stakeholders' and then click on 'IAY/PMAYG Beneficiary'. 

Step 3: In the next step, you will have to enter your registration number and then click on 'Submit'. As a result, the list of beneficiaries will appear on your screen. 

Step 4: However, if you do not have the registration number, then click on 'Advanced Search' option. 

Step 5: In the appeared box, fill all the required details and then click on 'Search' to get the list of beneficiaries.


Key Features of Indira Awas Yojana

Below goes the key features of Indira Awas Yojana:

  • One crore families living in kutcha houses are to be provided with pucca houses with a minimum carpet area of 25 sq. m. with basic requirements such as electricity and kitchens.
  • As compared to the previous unit cost of ₹ 1 Lakh, under the relaunched scheme, the unit cost has been increased to ₹ 1.20 Lakh for plain areas and ₹ 1.30 Lakh for hilly areas and Integrated Action Plan Districts.
  • The monetary assistance under the current form of scheme is shared by the Central Government and State Governments of the country at a ratio of 60:40 in plain areas and 90:10 in hilly and difficult areas. As opposed to the previous scheme, central assistance has been decreased in plain areas. Furthermore, construction in Union Territories, including UT of Ladakh, is to be funded entirely by the Central Government.
  • Till 2015, the scheme used BPL list to finalize beneficiaries. However, to select the deserving candidates, the data from Socio-Economy and Caste Census is used to make the beneficiary list.
  • To ensure quality, local materials and appropriate designs are being used in construction. Skilled workers have been engaged in the project. Furthermore, a technical support agency monitors the project on a national level.
  • The beneficiaries receive the money generated under the scheme to their bank account or post office account that has been linked with Aadhaar card.

Moreover, beneficiaries must remember that they must complete the construction of stage 1 within 9 months from receiving the money. They will get 9 months to complete the work of stage 2 as well. 

Benefits of IAY Scheme

The beneficiaries under the Indira Awas Yojana Scheme can avail the following benefits.

  • The husband and wife can enjoy joint ownership of the houses constructed under the IAY scheme. State governments can allot complete ownership to women and disabled members of the household.
  • As per the instructions of the scheme, the houses are to be eco-friendly, sustainable and completed with basic necessities. 
  • The use of SECS data instead of the BPL list to make the beneficiary list ensures the selection of deserving candidates.
  • The national level technical support agency ensures transparency in the operations carried under the IAY scheme. 

Eligibility Criteria under Pradhan Mantri Indira Awas Yojana 2021 - 22

Before applying on iaynic, one must check the eligibility criteria as stated in the Pradhan Mantri IAY Yojana guidelines. The following target groups are eligible for the Pradhan Mantri Awas Yojana scheme. 

  • Individuals belonging to Schedule Caste and Schedule Tribe 
  • Non-SC/ST BPL cardholders
  • Minorities
  • Freed bonded labourers
  • Widows
  • Ex-defence personal, ex-servicemen or their closest family member.

Moreover, for applying on iaynic, the applicants must abide by the following criteria.

  • Must not own a pucca house.
  • Must own a maximum of two rooms with kutcha walls and roofs.
  • Must belong to the Economically Weaker Section, Lower Income Group or BPL category. 
  • Family income should not cross ₹ 6 Lakh per anum.

To check the criteria or guidelines of the Pradhan Mantri Indira Awas Yojana, visit www.iay.nic.in.

Projects taken under IAY Scheme

The following projects were undertaken by Indira Awas Yojana to be operated at the state level with the aim of social welfare.

  • Below BPL families affected during violent attacks and going through rehabilitation.
  • Below BPL families affected during natural calamities and going through rehabilitation.
  • Families affected due to Black fever or any occupational disease. 
  • Families forced for relocation along International borders.
  • Offering settlement for scavengers, tribal societies and labourers. 

Why IAY Indira Gandhi Awas Yojana renamed as PMAY?

In April 2016, the current Government of India decided to rename the IAY Indira Gandhi Awas Yojana as PMAY. The features, ratio of financial funding to be shared by the Central and State Governments, areas to be covered, and the amount to be generated to beneficiaries under the relaunched scheme were changed. However, the Ministry of Rural Development did not give any reason for taking such a step. This new scheme operates with the same motto of providing housing to those living in rural areas by 2022. 


How do I apply for IAY scheme?

You can apply for the IAY scheme by contacting your respective Gram Sabha. Collect a form from the Gram Sabha. Fill up the form and submit it with other required documents. 

When did Indira Awas Yojana start?

Indira Awas Yojana was launched in 1985 as a component of Jawahar Rozgar Yojana. From 1996, it started functioning as an independent scheme. In 2016, the Indira Awas Yojana was renamed and launched as Pradhan Mantri Awas Yojana (Gramin). 

What is Indira Gandhi Awas Yojana?

Indira Gandhi Awas Yojana is a housing program operating with the aim of providing pucca and sustainable houses in rural areas by 2022. This scheme offers monetary assistance for building a pucca house with basic facilities. Currently, the yojana is working with the name of Pradhan Mantri Awas Yojana and is in its third and final phase. 

What is the full form of IAY?

The full form of IAY is Indira Awas Yojana. This social welfare scheme was named after then Prime minister of India, Indira Gandhi at the time of its launch. 

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