Rural housing schemes in Karnataka
Housing is a basic and very important need for every citizen. Housing not only provides social security to human beings but also provides status in the society. Housing has evolved as a prime component over the period of time not only in providing shelter but also providing employment opportunities and in development of locations. To meet the growing demand of housing, the State Government has been proactive in its housing policies. Housing for the poor and down-trodden assumes greater importance both in Rural and Urban areas in the State. Every successive Government has given greater attention to the problem of housing scarcity and increased the budgetary allocation over the years.
Rajiv Gandhi Rural Housing Corporation Limited (RGRHCL)
This Corporation has been established by the State Government on 20th April 2000 as a nodal agency to implement all the State and Central Government Sponsored housing schemes for economically and socially weaker sections of the Society both in rural and urban r areas. The main objectives are:
- To provide housing to the Socially and Economically Weaker sections of the
- Speedy implementation of scheme
- Transparency in implementation, Smooth flow of funds to ensure that the funds are reached to the ultimate
- beneficiaries in time To encourage cost effective technology in construction through District Nirmithi
- Kendras Strengthening of Nirmiti Kendras.
- The EWS housing schemes helps the society both directly and indirectly.
- EWS housing improves the quality of life of poor
- Generates employment (2097 lakh man days of direct and 1048 lakh man days of indirect employment has been generated).
- Reduces the gap in the housing demand
- Ensures economic development.
From 2000-01 to 2017-18 (Upto November 2017), 37.88 lakh houses have been constructed under various housing schemes and 3.35 lakh sites were distributed.
Rural Ashraya/Basava Vasathi Yojana
This scheme was introduced during 1991-92 to provide housing for rural houseless poor. Annual income of the beneficiary was Rs.32,000. Till 2004-05 the beneficiaries were selected by the Ashraya Committees headed by the local MLA. From the year, 2005-06 onwards the beneficiaries are selected by Gram Panchayaths through Gram Sabhas as per the Panchayat Raj Amendment Act. Under this Scheme, 21.63 lakh houses have been constructed during last 17 years i.e. from 2000-01 to 2016-17. Out of the Total target 30% is earmarked for SCs,10% for STs and 10% for minority benificiaries and other scheme 40% of the target has been earmarked for SCs/STs. Rural Ashraya Scheme was renamed as Basava Vasathi Yojane during 2010-11. The unit cost was fixed at Rs. 1.50 lakh from 2013-14, of which Rs. 1.20 lakh is subsidy and remaining Rs. 30,000 being the beneficiary contribution or loan from the bank.
Dr. B.R. Ambedkar Nivasa Yojane
This scheme is being implemented in both Rural and Urban areas for providing housing facility to the houseless families of Schedule Caste and Schedule Tribe during 2015-16. Under this scheme, Government is providing Rs.1.75 lakh and Rs.2.00 lakh as subsidy in rural and urban areas respectively. The income limit of every beneficiary in Rrual areas is Rs.32,000/- and in urban areas is Rs.87,600/-.
For the year 2016-17, 13,786 houses have been completed as against the target of 50,000. For the year 2017-18, 65,845 houses have been completed as against the target of 1,05,000 as at the end of November 2017.
Indira Awasa Yojana/Pradhna Mantri Awas Yojane
This Centrally Sponsored Scheme was introduced during 1989-90 for rural houseless holds who are below the poverty line. 60% of the target is earmarked for SCs/STs, 15% for minorities and remaining 25% for general category of the people. As per the enhanced unit cost of Rs.1.20 lakh, from 2015-16, subsidy from the Centre works out to Rs. 72,000 and Rs. 48,000 is to be borne by the State. For SC’s/ST’s the State Government is providing an additional subsidy of Rs. 30,000. During the last thirteen years (from 2004-05 to 2016-17) 10,36,582 houses have been constructed under the scheme.
Urban Ashraya/Vajpayee Urban Housing Scheme
This is State Sponsored scheme implemented for urban poor and it was introduced by the Government in the year 1991-92. The annual income of the beneficiary is Rs.32,000/-. The beneficiaries are selected by the Ashraya Committee comprising both official and non official members appointed by the Government and this committee is headed by the local MLA.
Devraj Urs Housing Scheme
This scheme is started from 2014-15 for special category i.e. Physically handicapped, leprosy cured persons, HIV Affected families, devadasis , nomadic tribes , safai karmacharies, people affected by communal Riots, Exploits, free bonded labourers, widows, orphans living on foot-path , transgender etc. The selection of beneficiaries will be done by the District Committee headed by the Deputy Commissioner.
For the year 2015-16, 4754 houses have been constructed as against the target of 5,000 houses and during 2016-17, 14206 houses have been completed as against the target of 15,000. For the year 2017-18 as against the target of 15,000 houses 10,817 houses have been completed.
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