Housing Programs of RGRHCL

The purpose of rural Ashraya and urban Ashraya programmes are to provide housing to the economically weaker sections with financial assistance and loan. The Dr. Ambedkar housing scheme is taken up to houses for socially and economically weaker Schedule Caste and the Schedule Tribes beneficiaries to whom the houses are given free without any loan component. Under the special occupational groups housing programme assistance is given to various categories of economically weaker sections persons in different occupations for construction of houses. Under the Ashraya sites programme sites are given free in rural and urban areas to economically weaker sections beneficiaries.

Individual Programme Statements

1. Rural Ashraya  

This is a state government sponsored scheme for housing for the housing for the houseless rural poor. The annual income limit for the beneficiaries of this scheme is Rs. 11,800/-. The beneficiaries are selected by Ashraya Committees select the beneficiaries from the list of houseless persons identified in Grama Sabhas. The financial assistance under the program is limited to Rs.20,000/- per beneficiary. In the case of SC / ST beneficiaries, the entire assistance is provided as a grant. For others, the grant assistance is provided as a grant. For others, the grant assistance is limited to Rs.10,000/- while the balance is provided as loan assistance. The (present) rate of interest on the loan is 10% (excluding service charges). The loan is repayable in 180 installments.

 2. Urban Ashraya :

The state government sponsored scheme for housing for the houseless urban poor. The annual income limit for the beneficiaries of this scheme is Rs. 11,800/-. The beneficiaries are selected by Ashraya Committees comprising both official and non-official members appointed by the government. The Committees select the beneficiaries from the list of houseless persons identified by the urban local bodies. The financial assistance under the programe is limited by the urban local bodies. The financial assistance under the program envisages a beneficiary contribution of at least Rs.5,000/-. The present rate of interest on the loan is 10% (excluding service charges). The loan is repayable in 180 installments.

 3. Dr. Ambedkar Housing Scheme

This is a state government sponsored housing scheme for the SC/ST. The annual income limit for the beneficiaries of this scheme is Rs.11,800/-. The beneficiaries are selected by Ashraya Committees comprising both official and non-official members appointed by the government. The Committees  select the beneficiaries from the list of houseless persons identified in Gram Sabhas. The scheme is presently under implementation mainly in the rural areas only. The financial assistance under the program is limited Rs.20000/- per beneficiary, that is provided as grant.

 4. Special Occupation Groups

This is a state government sponsored scheme for providing housing for various EWS occupational categories such as beedi workers, hamals, artisans, weavers, fisherfolk, mineworkers, etc. The central Government has a special housing schemes for occupational groups such as beedi worker, mineworkers and weavers. The scheme for Special Occupation Groups has to take advantage of these central schemes to ensure that these schemes are implemented in the state and the central assistance is utilized to the advantage of the concerned EWS categories in the State. The state government also has special schemes for occupational groups such as Viswa beneficiaries, coir workers, leather artisans. Generally, the financial assistance proposed under the scheme is Rs.50,000/-. The grant assistance is Rs.10,000/-. The loan assistance is limited to Rs.40,000/-. However, the presents for a subsidy of Rs.20,000/-. The state scheme for Viswa beneficiaries provide for a subsidy of Rs.20,000/-. The state scheme for Vishwa beneficiaries provides for a subsidy of Rs.16,00/- for non-SC/ST beneficiaries and Rs 24,000/- for SC/ST beneficiaries. The Present rate of interest on the loan is 10.5-12.5% depending on the source of the loan (excluding service charges). The loan is repayable in 120-168 installments.

5. House Sites:

a.Rural House Sites:

This is a state government sponsored scheme for giving sites to the site less rural poor. The annual income limit for the beneficiaries of this scheme is Rs.11,800/-. The size of the site is 20*40. The site is given free

b.Urban House Sites:

This is a state government sponsored scheme for giving sites to the site less ubran poor. The annual income limit for the beneficiaries of this scheme is Rs.11,800/-. The size of the site is 20*40. The site is given free

 6. Gram Panchayat Housing Scheme :

 7. Navagrama Housing Scheme :

The scheme will radically change the lives of the poor by facilitating them to move into new habitations or village extensions developed through community action, funded through convergence of Schemes with construction labour paid for through the SGRY Programme. The “Nava Grama Ashraya Yojana” thus provides a framework for convergence of Ashraya housing scheme and SGRY, utilizing funds and foodgrains under SGRY to provide for infrastructure for houses under Ashraya.

Nava Grama Ashraya Yojana will be demand driven and Grama Panchayats have been encouraged to utilize the SGRY funds and food grains under the component of providing village infrastructure to undertake the layout part of the Nava Gramas wherever Ashraya houses are constructed. Nava Gramas will be separated colonies or extensions of Villages which will have facilities such as interior road, drainage, street and house electricity, water supply facilities, manure pits and toilets for all houses.

Once it is completed, the Grama Panchayat will ensure the maintainance of the housing layout.

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