Why Indira Awas Yojana Change to Pradhan Mantri Awas Yojana? - Loan Trivia

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Tuesday, 4 February 2025

Why Indira Awas Yojana Change to Pradhan Mantri Awas Yojana?

Indira Awas


Indira Awas Yojana was initiated in 1985, during former Prime Minister Rajiv Gandhi's tenure, as a rural housing scheme aimed at providing housing for the below-poverty-line demographic in India. The program focused on empowering weaker sections by offering them decent housing options. Over time, the scheme played a critical role in improving rural infrastructure and elevating the living standards of many underserved communities.


Transition to Pradhan Mantri Awas Yojana

Despite its successes, Indira Awas Yojana faced various implementation challenges like delays in fund disbursement, lack of transparency, and subpar quality of construction. Responding to these inefficiencies, the Indian government decided to revamp the scheme into the Pradhan Mantri Awas Yojana (PMAY) in 2015. This transformation was aimed at streamlining processes, increasing accountability, and expanding the scope to include both rural (PMAY-G) and urban (PMAY-U) segments, ensuring a broader reach.


Key Features of Pradhan Mantri Awas Yojana

Pradhan Mantri Awas Yojana introduced several innovative features that marked a significant upgrade from the Indira Awas model. The scheme brought in a beneficiary-led construction approach, provided direct benefit transfers to curb corruption, and utilized eco-friendly technologies. Additionally, it set a more ambitious goal: achieving "Housing for All" by 2022.


Conclusion

The evolution from Indira Awas Yojana to Pradhan Mantri Awas Yojana represents a crucial shift towards creating a more inclusive and efficient housing scheme. While Indira Awas laid the foundation, PMAY builds on it by expanding coverage and addressing previous limitations, ultimately aiming to improve the quality of life for millions of Indians, thus fulfilling a key aspect of social welfare in contemporary times.

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