IAY – Indira Awaas Yojana Scheme

August 13, 2025 by Team Instabizfilings

To provide inexpensive housing in rural areas, the Government of India administers two flagship housing developments, namely, Indira Awas Yojana (IAY) and Pradhan Mantri Awas Yojana Gramin (PMAY-G) to empower the rural poor. The purpose of these schemes is to provide shelter to everybody, especially the economically poor sets of people and they will also provide financial support for building or rebuilding houses in rural areas.

What is Indira Awas Yojana (IAY)?

Indira Awas Yojana (IAY) was launched in 1996 with an objective to eliminate poverty among rural poor persons, particularly Scheduled Castes, Scheduled Tribes and other backwards groups in the population by providing them with affordable houses. The scheme had been subsequently merged with PMAY-G (Pradhan Mantri Awas Yojana Gramin) to further mission the need to upgrade housing facilities for the rural populace. The government under IAY used to give financial aid to qualified beneficiaries to build or make improvements on their homes.

PMAY-G (Pradhan Mantri Awas Yojana Gramin)

PMAY-G serves as a continuation of IAY scheme launched by the Government of India in 2016 as well.The overall goal of PMAY-G is to house everyone by 2022 with orientation towards rural site. The scheme makes monetary contributions to needy beneficiaries toward the construction of houses with the essential services such as sanitation, electricity, and water.

Key Services of IAY and PMAY-G:

IAY PMAYG Beneficiary: Under both schemes, individuals from economically weaker sections (EWS) can be identified as beneficiaries. Financial aid is provided to help them build or upgrade their homes. The IAY PMAYG beneficiary list can be accessed on the official portals to check eligibility and track the status of applications.
IAY NIC In Reports: The National Informatics Centre (NIC) provides reports on the implementation of IAY and PMAY-G, which include details on the number of houses built, beneficiaries covered, and progress made. This information can be accessed in the official site iay.nic.in.

How to Access IAY Reports?

Reports of different years (IAY.nic.in Reports 2024-25) may also be obtained and checked on the official site. These documents will help to have an idea of the scheme development, expenditure of funds, and beneficiaries status.

IAY.nic.in 2024-25 Reports: Such reports are released on an annual basis, presenting up-to-date figures on the progress of the housing development, created under the IAY and PMAY-G in the financial year.

How to Check the IAY Beneficiary List?

It is also possible to check the IAY and PMAY-G beneficiary list at the official site. These lists are reviewed continuously and this keeps the issues of money-spending and housing projects very open.

IAY.nic.in 2024-25 List: The IAY beneficiary list for the financial year 2024-25 is available on the portal, listing out the beneficiaries who have been allocated funds or houses.
IAY.nic.in 2024-25 List MP (Madhya Pradesh): The list according to the state of Madhya Pradesh may be reached by list selecting the filter on the web-site. This helps the citizens to determine whether they are qualified to have a house under the scheme in their state.

IAY Gramin (Rural Housing)

IAY Gramin, which is the name of this housing scheme, is a housing scheme, especially designed to support the people who are a part of the Scheduled Castes (SC), Scheduled tribes (ST) and the economically retarded sections of the rural areas in India.

How to Log in to IAY Portal (iay.nic.in)?

The official site of the scheme iay.nic.in gives an option to log in and keep a record of the status of the housing application.

Visit iay.nic.in: Visit iay.nic.in.
Login Credentials: Provide an account name and password to access the portal. As a first-time user, you will be required to create an account by telling your personal information.
Access Services: When you log in, you may find reports, application status and beneficiary lists.

How do you Check Your PMAY-G ( IAY PMAYG ) Program?

Login to the Portal: Connect to portal, after connecting to the portal on the right side you will find the “Application Status” tab.
Enter Details: You will have to enter your Aadhar Card number or any other specific details to get the status of your PMAY-G application.
Get Updates: You are able to see the up to date status of your application i.e the status of your application is under consideration or it has already been approved.

Types of Houses Under IAY/PMAY-G

New Construction: It is offered to deserving beneficiaries so as to build new houses.
Renovation/Upgradation: People who have old houses in need of repair/upgrades can also take advantage of the scheme.

Benefits of IAY and PMAY-G

Affordable Housing: The plans make sure of affordable housing for all citizens of the rural areas.
Financial Assistance: The beneficiaries will also get financial aid to build their houses.
Improved Living Conditions: The dwellings constructed within the schemes are erected with basic facilities, such as water, sanitation and electricity.
Empowerment: The schemes empower the needy groups by elevating their living standards.

How to Apply for IAY or PMAY-G?

Check Eligibility: You should find out whether you fit the eligibility criteria as stipulated by the scheme.
Visit the Portal: Go to the official website (iay.nic.in).
Fill Application: Furnish your details in an online application form.
Submit Documents: Submit the documents required, like Aadhaar card, income certificate and address proof.
Track Application: Complete tracking by application status after filling in the portal.

Common Issues and How to Resolve Them

Login Issues: In case you get issues in accessing the portal, confirm the correctness of the credentials used. You are also able to reset your password through the option of forgotten password.
Missing Name in Beneficiary List: In case you cannot find your name in the list of beneficiaries in the IAY.nic.in provider, then it is likely that the application is not yet approved or processed. You may also address the concerned department to get more help.

Conclusion

Indira Awas Yojana (IAY) and Pradhan Mantri Awas Yojana Gramin (PMAY-G) are initiatives that are vital towards providing housing to all citizens, especially in the rural belts. These programs with monetary help and transparency via portals such as iay.nic.in have made possible the dream of a pucca house among millions of rural families. On the part of the beneficiary, the beneficiary list of IAY PMAYG needs to be checked frequently, update the status of the application regularly and read IAY reports are one of the most important steps to take to be on time to get the benefits.

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