Indira Awas Yojana 2025: Meaning, Application, Documentation and Benefits in India

The Indira Awas Yojana was launched in 1985 by the government of India under the Ministry of Rural Development to ensure housing for the rural poor. The Indira Awas Yojana scheme provides financial assistance to SC/ST, minority, and BPL families for constructing safe, durable homes. Its purpose is to get rid of homelessness, promote social equality, and enhance the quality of life. The program aligns with national housing policies and relevant rural development laws, positively impacting education, health, and economic stability in villages. 

Indira Awas Yojana Scheme 2025 - Quick Info Table.

The Indira Awas Yojana (IAY) [1], launched in 1985 and later subsumed under the Pradhan Mantri Awas Yojana (PMAY) in 2016, aims to provide affordable housing to the rural poor. The Ministry of Rural Development governs the scheme under the Government of India. Check the table below for more details:

Indira Awas Yojana for the poor

The Indira Awas Yojana (IAY), now part of PMAY-G in 2025, helps rural poor build homes. Beneficiaries receive ₹1.20 lakh in plain areas and ₹1.30 lakh under challenging terrains. Funds cover construction, toilets, and partial labor costs. Assistance is directly transferred in installments, ensuring transparency and adequate support under the Indira Awas Yojana 2025 amount scheme. 

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Indira Awas Yojana Changed To PMAY-G By the Central Government

Under the flagship slogan "Housing for All", the Government aims to provide affordable housing for all by 2025. There is no apparent reason why the name of the Rural Housing Indira Awas Yojana has been changed. The erstwhile Indira Gandhi Awas Yojana Garmin has been clubbed with the ongoing Pradhan Mantri Awas Yojana. Its benefits are extended to people below the poverty line and lower-income groups. Another thing to be noted is that the urban citizen is also eligible for this housing scheme via a home loan interest subsidy. The applicant can receive an interest subsidy through the CLSS process based on their income.

What is the Indira Awas Yojana amount?

The Indira Awas Yojana provides financial help to rural poor for building safe homes. The Indira Awas Yojana amount [2] in 2025 ranges from ₹1.20 lakh to ₹1.30 lakh, depending on the location. The table below shows the amount:

Key Features Of Indira Awas Yojana

Here are the key features of Indira Awaas Yojana (IAY):

• Ownership of Houses:
  • Joint ownership of the house by husband and wife, except for unmarried individuals, widowers, or divorced individuals.
  • In some cases, the State may allocate ownership of the house to women in the household.Houses allotted to persons with disabilities or handicaps are owned by the specific individual.
• Construction of the House:
  • Beneficiaries are responsible for the construction of the house.
  • Involvement of contractors or external agencies is not allowed. Funding may be withdrawn if a contractor is involved.
  • Technical assistance can be provided by government agencies or departments.
  • Support services from Youth Clubs, NGOs, or charitable organizations can be sought for monitoring and construction assistance.
• Design and Construction Standards:
  • Promotes eco-friendly housing techniques, such as using local materials and construction methods.
  • Emphasizes improving the standard of living while minimizing environmental impact.
  • Houses should have sufficient space for a family and barrier-free designs for individuals with disabilities.
• Release of Funds in Installments:
  • First installment (25% of unit cost) is provided on Awaas Divas along with the sanction order.
  • Second installment (60% of cost) is released upon reaching the lintel level.
  • Third installment (15% of cost) is provided once the house has a bathroom/latrine and the beneficiary has started residing in it. All funds are dispersed from the Indira Awas Yojana Amount.
• Construction Time Limit:
  • Lintel Level Construction: 9 months from the date of receiving the first installment.
  • Completion: 9 months from the date of receiving the second installment.

Benefits of Indira Awas Yojana

The PM Indira Awas Yojana scheme was beneficial to the rural poor for a variety of reasons. Let's take a look at the benefits of IAY 2025-26.

• Under IAY, each house was constructed to meet the requirements of the new residents. This helped low-income families settle down faster.
• For construction, locally sourced, quality materials were used that could last a minimum of 30 years.
• The scheme encouraged the use of eco-friendly materials for sustainable construction techniques while also generating employment.
• The program especially encouraged and enabled Garmin panchayats to spearhead a change in their jurisdiction so that the scheme's purpose was fulfilled.
• Under IAY, home constructions could be customised by adding required provisions like a work area.

Indira Awas Yojana Scheme Eligibility

The Indira Awas Yojana eligibility criteria aim to ensure housing for the rural poor who lack proper shelter. It includes families below the poverty line, SC/ST minorities, and widows, providing them with financial help to build safe and permanent homes.  

• Homeless families or families with households having zero, one or two rooms on kutcha all and a roof( based on the SECC data)
• Households where there are no literate adult members above 25 years old.
• Households where there is no adult member between 16- 59 years.
• Households with one or more specially-abled members 
• Female-headed households without any adult male members aged between 16 -59 years.
• Households without any land whose only source of income is daily labour.

The PMAY-G scheme naturally covers these categories of people without any questions. They are

• Households without any shelter
• Primitive and endangered tribal groups 
• Manual scavengers
• Bonded labourers who have been legally released
• Destitute people who are living on alms

The following individuals or families are not eligible for the PMAY-G scheme:

• Individuals who own motorized two- or three-wheeler vehicles, agricultural equipment, or fishing boats.
• Families with a government employee as a member who earns a monthly income exceeding Rs. 10,000.
• Individuals who possess a Kisan Credit Card with a spending limit equal to or greater than Rs. 50,000.
• Families with a member who pays income or professional tax.
• Families that have a landline connection or own a refrigerator.

Indira Awas Scheme: Documents Required

To apply for the scheme, applicants must provide certain documents for verification. The Indira Awas Yajana documents are required to ensure transparency and confirm eligibility for receiving housing benefits. 

• Filled out the PMAY-G application form.
• Aadhaar card (for identification purposes).
• Consent document authorizing the concerned authorities to use your Aadhaar information.
• Bank account details (for direct benefit transfer).
• Affidavit declaring that the applicant or any member of their family does not own a pucca house in India.
• Job card registered under the MNREGA scheme.

How to check the Indira Awas Yojana list

You can get access to the state-wise IAY report of the current year by simply visiting the official PMAY-G site. Follow these few steps.

• First, visit the official website [3] of the PMAY-G authorities. The home page will look something like this.
• From the Tabs section on top, click on Awaassoft> Reports.
• On clicking Report, you will be redirected to a new page where you can see several options. 
• Under the "Physical Progress Reports" tab, choose the first option ", Houses completed in a financial year (irrespective of target year)". 
• On clicking the option, a new page will appear where you can see the Indira Awas Yojana details state-wide.

Indira Awas Yojana online Application

Now that the current Government has extended this tax benefit to the middle class, this scheme has become increasingly popular in Karnataka. You simply need to follow a few steps to register and apply for the Indira Awas Yojana Karnataka. To apply for this housing scheme, simply visit the official site [4] of the PMAY. Now click on “Citizen Assessment” and follow the instructions given at each step to apply for this scheme online. 

Although the Gram Sabha generates the list as per the census details of 2011, it gives the citizens an option to register themselves as beneficiary. Here are the steps to apply for the list:

• Visit the PMAY-G website.
• Fill in the necessary information as per the registration requirements.
• Provide your Aadhaar number and click on the 'Search' button.
• If your name is found, click on 'Select to Register.'
• Enter the remaining personal details as prompted.
• Upload the consent form, as applicable.
• Enter your bank account details.
• Indicate whether you wish to avail a loan by selecting 'Yes' and entering the desired loan amount.
• On the subsequent page, enter your MGNREGA card number and SBMG number, if applicable.

How to check the Indira Awas Yojana list?

You can get access to the state-wise IAY report of the current year by simply visiting the official PMAY-G site. Follow these few steps.

• First, visit the official website [5] of the PMAY-G authorities . The home page will look something like this.
• From the Tabs section on top, click on Awaassoft> Reports.
• On clicking Report, you will be redirected to a new page where you can see several options. 
• Under the "Physical Progress Reports" tab, choose the first option ", Houses completed in a financial year (irrespective of target year)". 
• On clicking the option, a new page will appear where you can see the Indira Awas Yojana details state wide.

Recent Updates & Changes (2025) 

The Indira Gandhi Awas Yojana (now functioning under updated guidelines as the rural housing scheme) is being upgraded in 2025, new surveys, larger targets, and stricter checks are part of the effort to make it more effective.

• More houses approved: The government has added 10.3 lakh new houses in Maharashtra under the rural housing scheme for 2025-2026. [6]
• New Surveys: Officials are checking villages to find families who still need homes. In Karnataka, 35,050 households were identified. [7]
• Better Monitoring:  In Paryagraj, over 2,000 cases were reviewed where funds were given, but homes were not built, ensuring proper use of money. [8]

How Nobroker Can Helps You

The Indira Awas Yojana helps rural poor build safe homes with financial support. The Indira Awas Yojana money amount in 2025 ranges from ₹1.20 lakh to ₹ 1.30 lakh. Platforms like NoBroker make the process easier by guiding applicants, helping check eligibility, submitting documents, and tracking funds, ensuring beneficiaries receive their housing assistance quickly and smoothly.

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