Indira Gandhi Awas Yojana 2025
To provide housing for the rural population in India, the Government of India has launched a new housing scheme known as “Indira Awas Yojana” for rural citizens. Under this scheme government provider home loan interest subsidy waste income group categorization to deserving ruler residence so that they are able to construct their house without facing any financial problems. Under this scheme, the government provides housing assistance to economically weaker sections, particularly in rural areas.
By offering this scheme, the government aims to minimize the rate of homelessness in rural regions by providing them with housing assistance for construction. If you are a homeless resident of rural India and are troubling with housing unavailability in their areas and wish to avail housing assistance from the government for the construction of house by applying for the same online so you don’t have to worry about that cause you are at a correct platform, in this article we will discuss all about IAY including eligibility, documents, benefits, last but not the least online application process.
About Indira Awas Yojana (IAY)
The Indira Awas Yojana or IAY is a sub-scheme of the Rural Landless Employment Guarantee Programme (RLEDP) that was first launched by Rajiv Gandhi in 1985 for the rural homeless. Under this scheme, the government mainly targets SC, ST minorities, and freed bonded laborers by providing them with housing options in rural regions. By offering this schema government aims to make home-ownership more accessible for thousands of rural families who belong to economically weaker sections by constructing durable and affordable houses for BPL families. With the help of this scheme government aims to ensure that every rural resident has a safe and secure place in the form of a permanent house for their living and reduce the rapid rate of homeless families from the rural population.
Motive of the Indira Gandhi Housing Scheme
The primary motive of this Indira Awas Yojana is to provide housing availability to thousands of homeless rural families by providing housing assistance to them so that they are able to construct their own house in their respective rural areas. Under this scheme government provides housing assistance to economically weaker sections, particularly in rural areas. By offering this scheme government aims to minimize the rate of homelessness in rural regions by providing them with housing assistance for construction.
Key Highlights of Indira Awas Yojana 2025
| Name of the Scheme | Indira Awas Yojana 2025. |
| First Launched by | Rajiv Gandhi in 1985. |
| Department Responsible | Ministry of Rural Development Department |
| Governing By | Government of India. |
| Year | 2025-26 |
| Vision | Housing for All |
| Motive | To provide housing availability to thousands of homeless rural families by providing housing assistance to them so that they are able to construct their own houses in their respective rural areas. |
| Benefits | Selected homeless rural residents receive a pucca (permanent). |
| Eligible Categories | LIG, EWS, MIG, LIG. |
| Beneficiaries | Homeless Rural Residents of India. |
| Mode | Online |
| Official Website |
Eligibility Criteria
To be eligible for IAY, the applicant must have to clear the following eligibility criteria’s which are as follows:-
- Applicant must be a permanent resident of rural India
- Applicant must be a homeless resident of rural areas.
- Applicant must not have their own house anywhere in the country.
- Applicant must belong to BPL families.
Applicant who comes under any of the listed categories are able to apply for the IAY:-
- Disabled or Handicapped Citizens.
- Ex-service personnel.
- Citizens under the Scheduled Caste and the Scheduled Tribe categories.
- Free bonded laborers.
- Next of kin of defense or parliamentary personnel killed in action.
- Citizens in the marginalized sector of society.
Benefits of IAY
- Solve Homelessness:- This IAY is a government’s proactive measure designed to solve the rapid rate of homelessness in the country.
- Nodal Department:- The Ministry of Rural Development Department is responsible for introducing the Indira Awas Yojana in India.
- Home-Loan Interest Subsidy:- Urban residents can also avail an affordable housing option via Home-Loan Interest Subsidy based on their income group categorization through PMAY’s CLSS component, up to Rs 2.67 lakh.
- Payment Mechanism:- Under this scheme, all payments are made in the form of installments through the direct bank transfer mode.
- Improve Living Condition:- By offering this scheme government aims to improve the living conditions of thousands of rural homeless families by providing a means of survival in the form of permanent houses.
Required Documents
- Aadhar Card
- Bank Details
- Caste Certificate
- Income Certificate
- Resident Proof
- Passport-Sized Photograph
- Contact Number
Salient Features
- Access to Permanent Home:- Through the help of this scheme, every rural homeless resident gets access to a permanent home irrespective of their socio-economic or income status.
- Target Rural Population:- This scheme is only available for those rural population who belongs to the below the poverty line in the country.
- Promote Eco-Friendly Construction Techniques:- Through the help of this scheme government aims to promote the use of eco-friendly and environmentally sustainable construction techniques.
- Special Preference:- Under this scheme government provide special support to people lie in any of the listed categories including disabled or handicapped citizens, ex-service personnel, citizens under Scheduled Caste (SC) and Scheduled Tribe (ST) categories, Free bonded laborers, Widows, Next of kin of defense or parliamentary personnel killed in action, Citizens in marginalized sector of society.
Unit Assistance & Construction Cost Summary
Note: All amounts in Indian Rupees (₹)
| Category / Scheme | Unit Assistance / Cost | Funding Share (Centre : State/UT) | Applicable Area / Period | Notes |
| IAY (early years) | ₹ 45,000 total per unit (around 2010–11) | Centre ₹ 33,750 / State ₹ 11,250 | Pre‑2011 scheme | Early baseline cost |
| PMAY‑G (current assistance) plain areas | ₹ 1.20 lakh per house | 60 : 40 | Across plains (FY 2024‑25 to 2028‑29) | Continues existing rate from 2016 onwards |
| PMAY‑G (hilly / NE / IAP areas) | ₹ 1.30 lakh per house | 90 : 10 (Centre heavy) | Himalayan, NE states, Jammu & Kashmir, Ladakh | As above |
| PMAY‑G State-specific (e.g. Jharkhand) | ₹ 2.00 lakh (top-up over base ₹1.20 L) | Variable | Some states provide top-up grants | Provided via state schemes |
| Average construction cost (India 2024) | ₹ 1,800 per sq. ft (national average) | Self-funded | Rural/ urban general construction | For reference to rising construction costs |
Highlights & Key Information
- The IAY unit cost during early implementation (circa 2010–11) ranged around ₹ 45,000, with Centre and State co‑funding .
- Since 2016, the scheme has been continued as PMAY‑Gramin, with ₹ 1.20 lakh per household in plain areas, and ₹ 1.30 lakh in hilly/Northeastern/IAP districts, applying through FY 2024–25 to 2028–29.
- Units in difficult or hilly terrains benefit from a 90:10 cost share in favour of the Central government.
- Many states like Jharkhand and Tamil Nadu offer top‑ups (up to ₹ 2 L+), above the central assistance, to address rising local construction costs.
- The national average construction cost stands around ₹ 1,300–2,500 per sq. ft, with older rural guidance using ₹ 1,800/sq. ft as benchmark for cost escalation.
Selection Process
Selection under IAY includes these steps:-
- Eligibility Check Out:- Before applying for IAY, the applicant needs to check and confirm all the eligibility requirements necessary for applying for the scheme.
- Application Submission:- Once the applicant meets all eligibility criteria’s they need to go to the official website and apply for the same and submit it by quickly reviewing the mentioned details.
- Verification of Details:- After that details verification process begins, which was done by top officials on the basis of eligibility and other parameters, including income criteria, residency, etc.
- Approval of Application:- Once the verification of documents is done successfully, officials approve the candidate’s application for further processing.
- Declaration of Beneficiary List:- After approval, the list of selected beneficiaries will be published by the officials on their official channel.
- Process of Fund Disbursement:- At last, the government will transfer funds directly into the bank accounts of selected beneficiaries.
Indira Awas Yojana Apply Online?
To apply for Indira Awas Yojana (Guidelines) online, the applicant needs to follow these steps:-
Step 1: Visit the official IAY website and check first “Am I Eligible“.
Step 2: The Homepage of the official website will appear on the screen.
Step 3: Now applicant needs to locate and click on the “Apply Now” button.
Step 4: As the applicant clicks, an application form will open on the screen.
Step 5: Now the applicant needs to enter all the asked details and attach all the necessary documents with the application form.
Step 6: Once, quickly review all the details carefully.
Step 7: At last, click on the Submit option to complete the process.
By performing these steps, applicants can easily enroll themselves under Indira Awas Yojana.
Also Read: Pradhan Mantri Awas Yojana
Contact Details
Visit the official IAY website for any queries.
FAQs
- Which government has launched the Indira Awas Yojana 2025?
The Ministry of Housing and Rural Affairs, Government of India, launched Indira Awas Yojana.
- Is it necessary to be a resident of rural India for the Indira Awas Yojana?
Yes, it’s necessary to be a permanent resident of rural India for Indira Awas Yojana.
- How can I apply online for Indira Awas Yojana?
Yes, you can apply online through the official Indira Awas portal.
- What are the benefits covered under the Indira Awas Yojana?
Under this housing scheme, deserving rural citizens receive housing assistance from the government for the construction of their own homes.
- Who can apply for Indira Awas Yojana?
Disabled, agricultural laborers, sanitation workers, Dalits, widows, transgenders, and people from tribal groups are able to apply.