Indira Awaas Yojana (IAY) is essentially a public housing scheme for the houseless poor families and those living in dilapidated and kutcha houses with a component for providing house sites to the landless poor as well. The scheme is designed to enable Below Poverty Line (BPL) households identified by the community through Gram Sabhas following criteria suggested for such identification from time to time, to build their houses or get house sites with financial and technical assistance from the Government.
It is among the main flagship schemes of the Rural Development Ministry to build homes for BPL inhabitants in the towns. In this plan, financial aid of value 75,000/- Rs. in plain regions & 75,000/- Rs. in difficult regions is given for building of homes. The homes are fixed in woman name or together between husband & wife. The building of the homes is the solitary accountability of the recipient & engagement of outworkers is firmly forbidden. Sanitary latrine & smokeless chullah are necessary to be built along with every IAY homes for which extra financial aid is given by Total Sanitation Campaign & Rajiv Gandhi Grameen Vidyutikaran Yojana correspondingly. This scheme is in function since year nineteen eighty five, and offers subsidies & cash- aid to persons in villages to build their homes, themselves.