2. Spatial spread of the programme
2.1 As far as possible, the States shall follow the cluster approach to facilitate better supervision, convergence of schemes ad economies in purchase. For this purpose, all the villages in a district/block may be divided into three groups and each group of villages may be provided funds every year. In this way, all the villages will be covered in three years. Thereafter first group of villages may again be taken up in the fourth year if there is still housing shortage, and so on.
3. Unit cost
3.1 As soon as the beneficiary is finalized under IAY for sanction by the District Collector/DM/DC, on the consent of the beneficiary, a application form will be filled up simultaneously by the DRDA/concerned implementing agency for loan under DRI Scheme. All IAY applications for loan facility under DRI Scheme shall be forwarded to the concerned service area bank. The concerned bank should be given a time limit of (30 days) to accept the application or reject the application, giving reasons. The access to DRI scheme should be appropriately reviewed in DLCC/BLCC and separately by the DRDA and District Collector for necessary action.
4. Basic amenities
4.1 In addition to providing sanitary latrine in every house by dovetailing funds from Total Sanitation Campaign (TSC), IAY scheme should also have convergence with DWS for providing drinking water, with Rajiv Gandhi Gramin Vidyutikaran Yojana for providing free electricity connection, with Insurance companies for Jan Shree/Aam Admi Bima and beneficiaries should be encouraged to use clean fuel as well as have kitchen gardens.
5. Release of Funds
5.1 The funds should be released either in two or three instalments. Ideally, the funds should be distributed to the beneficiaries in two instalments, first instalment with the sanction order and the second instalment when the construction reaches the lintel level. It is critical that each State Government clearly define the stage-wise payment system along with the system to be in place for verification of the stage of construction. Each State Government may operationalize a computerized information system for recording of the stage of construction and the release of funds.
6. Technical Supervision, Monitoring and Transparency
6.1 Technical supervision shall be provided at least at the foundation and the roof laying stages.
6.2 The Government of India has already entrusted the responsibility of developing computerized information system which will enable not only monitoring of the timely execution of the work but also the stage-wise progress and disbursement of funds. The State Governments shall operationalize the software as soon as it is developed.
6.3 In addition, it is suggested that to deal with complaints, an effective complaint Monitoring System with adequate staff should be set up at the state level which can visit, independent of the regular execution wing and give a report to the implementing agencies about the short-comings/shortfalls, for effective redressal.
6.4 System of social auditing of the Scheme shall be introduced by the State Governments.
CREDIT CUM-SUBSIDY SCHEME (CCSS)
The Credit-Cum-Subsidy Scheme for Rural Housing was launched w.e.f. 1.4.1999. The Scheme targets rural families having annual income upto Rs. 32,000/- While subsidy is restricted to Rs.12,500/- the maximum loan amount that can be availed is Rs. 50,000/- The subsidy portion is shared by the Centre and the state in 75:25 ratio. The loan portion is to be disbursed by the commercial banks, housing finance institutions etc.
From the year 2002-2003, the Central allocation under IAY/CCSS has been combined and no separate allocation and target are made to the Scheme and option is given to the States /districts to utilize the funds under the Scheme from IAY. Upto 20% of the IAY funds earmarked for upgradation could be utilized for implementation of this Scheme also.
INNOVATIVE STREAM FOR RURAL HOUSING AND HABITAT DEVELOPMENT
This scheme has been discontinued with effect from 1.4.2004
RURAL BUILDING CENTRES
This Scheme has been discontinued with effect from 1.4.2004
INCENTIVISING THE STATE GOVERNMENTS FOR PROVIDING HOMESTEAD SITES TO THE RURAL BPLHOUSEHOLDS AS PART OF INDIRA AWAAS YOJANA (IAY)
A Scheme for incentivising the State Governments for providing homestead sites to the rural BPL households as part of Indira Awaas Yojana (IAY) has been rolled out. The main objective of this Scheme is to provide homestead sites to those rural BPL households who do not have either agricultural land or a plot of land to construct a house. All States/UTs have been asked to submit proposal to get funds for this scheme.
The Basic parameters for providing homestead sites to the rural BPL households as part of IAY are given below:
(i) For the purpose of allotting homestead sites, the beneficiaries will be selected only from the Permanent IAY Waitlists as per their priority in the list. Only those BPL households who have neither land nor housesite, will be eligible.
(ii) In the first instance, the State Government will regularize the land as a homestead site if it is presently occupied by a BPL household and if regularization is permissible as per the existing acts and rules.
(iii) If this is not the case, State Government will allot suitable Government land as homestead site to the eligible BPL household. The Government land includes community land (gocher etc.), land belonging to panchayats or other local authorities.
(iv) In case suitable Government land is not available for allotment as homestead sites, private land may be purchased or acquired for this purpose.
(v) However, before taking up land purchase or land acquisition, competent authority will certify that it was not possible to regularize occupied land, if any or that there is no suitable government land for allotment as homestead sites.
(vi) Financial assistance of Rs. 10,000/- per beneficiary or actual, whichever is less, will be provided for purchase/acquisition of a homestead site of an area around 100-250 sq.mt.
(vii) Funding will be shared by Centre and States in the ratio of 50:50 while in the case of UTs Central Government will fund 100%.
(viii) If the amount per beneficiary falls short, the balance amount will be contributed by the State Government.
(ix) First instalment of the funds will be released only after the State certifies that it has no land to provide to the rural BPL either through regularization or through transfer and that it has identified the land meant for acquisition /purchase. Subsequent installments would be released when the States take possession of the land.
(x) BPL families allotted land through purchase would be, to the extent feasible, provided house construction assistance in the same year.
(xi) The State Governments will be incentivised by allocating additional funds under IAY to the extent beneficiaries are provided with homestead site by way of regularization, allotment or purchase/acquisition. If necessary, a provision will be made in the guidelines to keep a portion of IAY funds apart for incentivising the States. The unspent amount, if any, out of this component will be distributed to the better performing districts.
(xii) The States will be expected to provide funds for the proposed scheme over and above their existing budget for similar initiatives. This is also subject to the condition that the States should continue to budget for the Scheme an amount not less than their previous year’s budget.