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.

EWS Scheme

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.

Rural housing schemes in Karnataka are designed to provide affordable housing to the rural poor. The schemes are implemented by the government of Karnataka and various non-governmental organizations (NGOs).

The following are some of the major rural housing schemes in Karnataka:

Ashraya Yojana: This scheme is aimed at providing housing to the homeless and the poor. The scheme provides financial assistance to beneficiaries to construct or renovate their houses.
Indira Awas Yojana: This scheme is aimed at providing housing to the rural poor. The scheme provides financial assistance to beneficiaries to construct or renovate their houses.
Pradhan Mantri Awas Yojana (Gramin): This scheme is a centrally sponsored scheme aimed at providing housing to the rural poor. The scheme provides financial assistance to beneficiaries to construct or renovate their houses.
Rajiv Gandhi Grameen Vidyutikaran Yojana: This scheme is aimed at providing electricity to all rural households. The scheme provides financial assistance to beneficiaries to install electricity connections in their houses.
Pradhan Mantri Gram Sadak Yojana: This scheme is aimed at providing all-weather roads to all rural habitations. The scheme provides financial assistance to beneficiaries to construct roads in their villages.
Mahatma Gandhi National Rural Employment Guarantee Act: This scheme is aimed at providing employment to the rural poor. The scheme provides 100 days of guaranteed employment to all rural households.
Pradhan Mantri Kaushal Vikas Yojana: This scheme is aimed at providing skill training to the rural youth. The scheme provides financial assistance to beneficiaries to undergo skill training.
Deen Dayal Upadhyaya Gram Jyoti Yojana: This scheme is aimed at providing electricity to all rural households. The scheme provides financial assistance to beneficiaries to install electricity connections in their houses.
Pradhan Mantri Jan Dhan Yojana: This scheme is aimed at providing financial Services to the rural poor. The scheme provides bank accounts, insurance, and pensions to the rural poor.

The rural housing schemes in Karnataka have been successful in providing affordable housing to the rural poor. The schemes have also helped in improving the living conditions of the rural poor.

However, there are some challenges that need to be addressed in order to make the rural housing schemes more effective. One of the challenges is the lack of awareness about the schemes. Many rural households are not aware of the schemes and their benefits. Another challenge is the lack of access to finance. Many rural households do not have the financial Resources to construct or renovate their houses.

Despite the challenges, the rural housing schemes in Karnataka have been successful in providing affordable housing to the rural poor. The schemes have also helped in improving the living conditions of the rural poor.

What are the benefits of rural housing schemes?

Rural housing schemes offer a number of benefits to rural residents, including:

Improved access to housing: Rural housing schemes can help to reduce the shortage of affordable housing in rural areas. This can make it easier for rural residents to find a place to live, and can also help to improve the quality of life for rural residents.
Increased economic activity: Rural housing schemes can also help to increase economic activity in rural areas. This is because the construction of new housing can create jobs and stimulate economic Growth.
Improved social cohesion: Rural housing schemes can also help to improve social cohesion in rural areas. This is because the construction of new housing can bring people together and help to create a sense of community.

What are the eligibility criteria for rural housing schemes?

The eligibility criteria for rural housing schemes vary depending on the scheme. However, some common eligibility criteria include:

Income: Applicants must typically have an income below a certain level to be eligible for rural housing schemes.
Property ownership: Applicants must typically not own any property to be eligible for rural housing schemes.
Family size: Applicants must typically have a family size of a certain number or larger to be eligible for rural housing schemes.

What are the documents required for rural housing schemes?

The documents required for rural housing schemes vary depending on the scheme. However, some common documents required include:

Proof of identity: Applicants must typically provide proof of identity, such as a passport or driver’s license.
Proof of address: Applicants must typically provide proof of address, such as a utility bill or bank statement.
Income proof: Applicants must typically provide proof of income, such as a pay stub or tax return.
Property ownership proof: Applicants must typically provide proof of property ownership, such as a deed or title.

What is the application process for rural housing schemes?

The application process for rural housing schemes varies depending on the scheme. However, some common steps in the application process include:

Gather the required documents. Applicants must typically gather the required documents before applying for a rural housing scheme.
Complete the application form. Applicants must typically complete an application form before applying for a rural housing scheme.
Submit the application form and documents. Applicants must typically submit the application form and documents to the relevant authority.
Wait for approval. Applicants must typically wait for approval from the relevant authority before they can receive the benefits of a rural housing scheme.

What are the common problems with rural housing schemes?

Some common problems with rural housing schemes include:

Delays in construction: There can be delays in the construction of new housing under rural housing schemes. This can be due to a number of factors, such as a shortage of materials or workers.
Poor quality of construction: The quality of construction of new housing under rural housing schemes can sometimes be poor. This can lead to problems such as leaks and cracks in the walls.
Lack of maintenance: The maintenance of new housing under rural housing schemes can sometimes be poor. This can lead to problems such as the deterioration of the property.
Corruption: There have been cases of corruption in the implementation of rural housing schemes. This can lead to problems such as the misallocation of funds or the awarding of contracts to unqualified companies.

What are the solutions to the problems with rural housing schemes?

Some solutions to the problems with rural housing schemes include:

Improving the planning process: The planning process for rural housing schemes can be improved to reduce delays in construction. This can be done by ensuring that there is a clear timeline for the construction of new housing and by making sure that all of the necessary materials and workers are available.
Ensuring the quality of construction: The quality of construction of new housing under rural housing schemes can be improved by ensuring that the construction is carried out by qualified companies. This can be done by requiring companies to meet certain standards before they are allowed to bid on contracts for rural housing schemes.
Improving the maintenance of new housing: The maintenance of new housing under rural housing schemes can be improved by providing training to residents on how to maintain their property. This can be done by organizing workshops or by providing information on how to maintain property through the media.
Tackling corruption: Corruption in the implementation of rural housing schemes can be tackled by increasing Transparency and Accountability. This can be done by publishing information about the progress of rural housing schemes and by making it easier for people to report corruption.

Sure, here are some MCQs on the topics of rural housing, poverty, and development:

Which of the following is not a goal of rural housing?
(A) To provide adequate shelter for all rural residents
(B) To improve the quality of life for rural residents
(C) To promote economic development in rural areas
(D) To reduce poverty in rural areas
Which of the following is not a factor that contributes to rural poverty?
(A) Low levels of Education
(B) Lack of access to healthcare
(C) High levels of Unemployment
(D) Lack of access to affordable housing
Which of the following is not a government program that aims to reduce rural poverty?
(A) The Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA)
(B) The Pradhan Mantri Jan Dhan Yojana (PMJDY)
(C) The Pradhan Mantri Kaushal Vikas Yojana (PMKVY)
(D) The Pradhan Mantri Awas Yojana (PMAY)
Which of the following is not a challenge to rural development?
(A) Lack of Infrastructure-2/”>INFRASTRUCTURE
(B) Lack of Investment
(C) Lack of skilled labor
(D) Lack of political will
Which of the following is not a goal of rural development?
(A) To improve the quality of life for rural residents
(B) To promote economic development in rural areas
(C) To reduce poverty in rural areas
(D) To increase the number of rural voters