NAME- NITESH KUMAR SETHI

ENROLLMENT NUMBER- 195745111

TITLE OF THE PROJECT- A STUDY ON RURAL HOUSING SCHEMES
OF PMAYG, BPGY, NSPGY OF
KHAJURIPADA BLOCK UNDER THE FUNCTION
OF DRDA (MRDP-001)
PROGRAM CODE- MARD
REGIONAL CENTRE CODE- 21
COURSE CODE- MRDP001
STUDY CENTRE ADDRESS- IGNOU GOVT COLLEGE PHULBANI
KANDHAMAL, ODISHA 762001
STUDY CENTRE CODE- 2109
MOBILE NUMBER- 8249423354
E-MAIL ID- KUMARSETHINITESH024@GMAIL.COM
 PROFORMA FOR SUBMISSION OF M.A. (RD)
PROPOSAL FOR APPROVAL
SIGNATURE-
NAME & ADDRESS OF GUIDE- SRI SUJIT KUMAR PANDA
SUPERVISOR
IGNOU GOVT COLLEGE (2109)
PHULBANI, KANDHAMAL
ODISHA PIN- 762001
NAME & ADDRESS OF THE STUDENT- NITESH KUMAR SETHI
S/O- NIRANJAN SETHI
FOREST COLONY, PHULBANI
KANDHAMAL, ODISHA
PIN – 762001
ENROLLMENT NUMBER- 195745111
DATE OF SUBMISSION-
NAME OF STUDY CENTRE- IGNOU GOVT COLLEGE PHULBANI, KANDHAMAL
PIN – 762001
NAME OF THE GUIDE- SRI SUJIT KUMAR PANDA
TITLE OF THE PROJECT- A STUDY ON RURAL HOUSING SCHEMES OF PMAY, BPGY, NSPGY
OF KHAJURIPADA BLOCK UNDER THE FUNCTION OF DRDA
SIGNATURE OF THE STUDENT-
APPROVED/ NOT APPROVED-
DATE-
 ACKNOWLEDGEMENT
I express my deep sense of gratitude of some helping hands that I got especially of my esteemed teachers of
IGNOU study centre of government autonomous college, PHULBANI for the study “A STUDY ON RURAL HOUSING
SCHEMES OF PMAYG, BPGY, NSPGY OF KHAJURIPADA BLOCK UNDER THE FUNCTION OF DRDA, KANDHAMAL,
ODISHA”

I got much help and kind cooperation in this direction from my project guide SRI SUJIT KUMAR PANDA for his
valuable advice and his supervision in the various stages of preparing this report and for his selection of the topic.

IGNOU STUDY CENTRE (2109) NAME- NITESH KUMAR SETHI

PHULBANI, KANDHAMAL, ODISHA ENROLLMENT NUMBER- 195745111

PIN- 762001
 DECLARATION
I hereby DECLARE THAT the project work entitled “ A STUDY ON RURAL HOUSING SCHEMES OF PMAYG, BPGY,
NSPGY OF KHAJURIPADA BLOCK UNDER THE FUNCTION OF DRDA, KANDHAMAL, ODISHA” submitted by me for
the partial fulfillment of the master of arts in rural development to the school of continuing education, indira
Gandhi national open university (IGNOU), new Delhi is my own original work and has been submitted earlier
either to IGNOU or to any other institution for the fulfillment of the requirement for any course of study. I also
declare that no chapter of this manuscript in whole or in part is lifted and incorporated in this report from any
earlier work done by other or me.

IGNOU STUDY CENTER (2109) NAME-NITESH KUMAR SETHI

PHULBANI, KANDHAMAL, ODISHA ENROLLMENT NO -195745111
PIN-762001 ADDRESS- AT- FOREST COLONY,
PO- PHULBANI DIST-KANDHAMAL
PIN-762001, ODISHA
 CERTIFICATE
This is to certify that Mr. NITESH KUMAR SETHI (MARD, enrollment No- 195745111) student of indira Gandhi
national Open University, New Delhi was working under my supervision and guidance for his project work for the
course MRDP-001. His project work for entitled “A STUDY ON RURAL HOUSING SCHEMES PMAYG, BPGY, NSPGY
OF KHAJURIPADA BLOCK UNDER THE FUNCTION OF DRDA” which he is submitting is genuine and his original
work.

Place- signature

Date- name-

Address of the supervisor

 CONTENT
1. Chapter-1 introduction 1-21 pages
2. Chapter-2 review of literature 22-25 pages
3. Chapter-3 socioeconomic profile of KHAJURIPADA 26-28 pages
4. Chapter-4 objective of the study 29-51 pages
5. Chapter-5 success stories 52-54 pages
6. Chapter-6 result & discussion 55-56 pages
7. Chapter-7 suggestions & recommendations 57
8. Chapter-8 conclusion 58
9. Chapter-9 questionnaire 59-64 page
10. Chapter-10 references 65
 • CHAPTER-1
• INTRODUCTION
RURAL HOUSING- The DRDA is the principal organ at the district level to manage and oversee the
implementation of different anti-poverty programmers of the ministry of rural development. It is a supporting
and facilitating organization which plays a very effective role as a catalyst in development process. The
government of odisha commits to provide pucca houses to all the houses and those staying in kutcha houses in
rural area. Housing is one of basic requirements for human survival. For a normal citizen, owning a house
provides significant economic security and dignity in society. For a shelter less person, possession of a house
brings about a profound social change in his existence, endowing him with an identity, thus integrating him with
his immediate social milieu. According to the 1991 census, the rural housing shortage was 13.72 million consisting
of 3.41 million households without houses and 10.31 million living in unserviceable kutcha houses. It has also
been estimated that another 10.75 million houses would be needed to cover the population growth during 1991-
2002, at the rate of an annual growth of 0.89 million houselessness. The 1991 census further indicates that about
40.82% of the total of 112 million rural households remains in one-room tenements, 30.65% in two-room houses
and 13.51% in three-room units or more. In terms of roof type, the percentage of houses having grass, straw and
thatch is about 33%, mud and UN burnt bricks 6.05% and tents 4.22%. Apart from this, in terms of quality of
walling, 47.27% of the total households have grass and straw walls and about 4% have tent and cloth walls.
Nearly 70% of the rural houses are either unserviceable kutcha (9%) or serviceable kutcha (25%) or of semi-pucca
(35%) category as per census 1991. Over 90% of the rural houses have no provision for toilet as per the census
1991. This suggests that there is a clear correlation between poverty and housing, a poor person either does not
have a house or lives in an unserviceable kutcha house.
• Public housing program in the country started with the rehabilitation of refugees’ immediately after
independence and since then, it has been a major focus area of the government as an instrument of
poverty alleviation. Rural housing program, as an independent program, started with indira awaas yojana
(IAY) in January 1996.
• To address these gaps in the rural housing program and in view of government’s commitment to providing
‘housing for all’ by the scheme 2022, the of has been re-structured in to pradhan mantri awaas yojana-gramin
(PMAY-G) 1st April 2016
• PMAY-G aims at providing a pucca house, with basic amenities, to all houseless householder and those
households living in kutcha dilapidated house, by 2022. The minimum size of the house been increased to 25 sq.
mt (from 29 sq. mt) with a hygienic cooking space. The unit assistance has been increased form rs. 70,000 to rs.
1.20 lakh in plain and from rs 75,000 to rs 1.30 lakh in hilly states, difficult areas and IAP district. Incentive
amount also gets to the rural housing beneficiaries who will complete their houses with in four and six month will
get 20,000 and 10,000. The beneficiary is entitled to 90.95 person day of unskilled labor from MGNREGS. The
assistance for construction of toilet shall be leveraged though convergence with SBM-G, MGNREGS or any other
dedicated the source of funding. Convergence for piped drinking water, electricity connection, LPG gas
connection etc. different government programmers are also to be attempted. Till 1960, nearly five lakh families
were provided houses in different parts of India. In 1957, with in the ambit of the second five-year plan of prime
minister Nehru, village housing program ((VHP) was introduced providing loans to individuals and cooperatives of
up to 5,000 per unit. Only 67,000 houses could be constructed in this scheme till end of the fifty five year plan
(1974-1979. Another scheme introduced in the fourth called house sites –cum- construction assistance scheme
(HSCAS) were also transferred to the state sector from 1974 to 1975. In the 2011 budget the program was funded
in the amount of 89.96 billion.
• DISTRICT RURAL DEVELOPMENT AGENCY- HISTORICAL BACKGROUND-
Poverty alleviation through self- employment and wage- employment program is the theme of rural
development. It is the district rural development agency at the district level, which oversees the implementation
of different anti-poverty program. District rural development agency came into existence with effect from
1.4.1980. Previously it was known as marginal farmer and agricultural land development agency (MFALDA). Later
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 on it became a small farmer development agency (SFDA).these agencies were only to cater the development of
marginal farmers and agricultural laborers in rural area. Now district rural development agency has embraced
manifold activities for upliftment of rural poor District rural development agency has traditionally been the
principal organ at the district level to oversee the implementation of anti-poverty programs of the ministry of
rural development. This agency was created originally to implement the integrated rural development program
(IRDP). Subsequently the district rural development agencies were entrusted with a number of programs of both
state and central governments. From 1st April 1989 a separate district rural development agency administration
has been introduced to take care of the administrative costs.
• ROLE AND FUNCTIONS OF THE DISTRICT RURAL DEVELOPMENT AGENCY-
• The district rural development agency is visualized as a specialized and a professional agency capable of
managing the anti-poverty program of the ministry of rural development on the one hand and to effectively
relate these to the overall effort of poverty eradication in the district. In other words, while the district rural
development agency will continue to watch over the implementation of program to ensure effective utilization of
the funds intended for antipoverty program, it will need to develop a far greater understanding of the process
necessary for poverty alleviation/eradication. It will also need to develop the capacity to build synergies among
different agencies involved for the most effective results. It well therefore needs to develop distinctive
capabilities rather than perform tasks that are legitimately in the domain of the PRIs or the line departments. The
role of the district rural development agency will therefore be distinct from all the other agencies, including the
zilla parishad.
• District rural development agency must themselves be more professional and should be able to interact
effectively with various other agencies. They are expected to coordinate with the line departments, the
panchayati raj institutions the banks and other financial institutions, the non government organization as well as
the technical institutions with a view to gathering the support and resources required for poverty reduction effort
in district. It shall be their Endeavour and cooperation for reducing poverty in the district. It is their ability to
coordinate and bring about a convergence of approach among different agencies for poverty alleviation that
would set them apart.
• The district rural development agency is expected to coordinate effectively with the panchayati raj institutions.
Under no circumstances will they perform the functions of PRIs.
• The district rural development agency will maintain their separate identity but will function under the
chairmanship of the chairman of the zilla parishad. They are expected to be a facilitating and supporting
organization to the zilla parishad, providing necessary executive and technical support in respect of poverty
reduction efforts. The zilla parishads are not in existence or are not functional; the district rural development
agency would function under the collector/ district magistrate/ deputy commissioner, as the case may be.
• The district rural development agencies are expected to oversee the implementation of different anti-poverty
program of the ministry of rural development in the district. This is not to be confused with actual
implementation, which will be by the panchayati raj and other institutions. The district rural development agency
will monitor closely the implementation through obtaining of periodic reports as well as frequent field visits. The
purpose of the visit should be to facilitate the implementing agencies in improving implementation process
besides ensuring that the quality of implementation of program is high. This would include over-seeing whether
the intended beneficiaries are receiving the benefits under the different program.
• The district rural development agency shall keep the zilla parishad, the state, and the central government duly
informed of the progress of the implementation of the program through periodic reports in the prescribed
formats. Special report, as and when called for, shall be provided.
• It shall be the duty of the district rural development agency to oversee and ensure that the benefits specifically
earmarked for certain target groups (SC/ST, women and disabled) reach them. They shall take all necessary steps
to achieve the prescribed norms.

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• The district rural development agency shall necessary step to improve the awareness regarding rural
development and poverty alleviation particularly among the rural poor. This would involve issues of poverty, the
opportunities available to the rural poor and generally infusing a sense of confidence in their ability to overcome
poverty. It would also involve sensitizing the different functionaries in the district to the different aspects of
poverty and poverty alleviation program.
• The district rural development agency will strive to promote transparency in the implementation of different anti
poverty program; towards this end they shall publish periodically the details of the different program, and their
implementation.
• Keeping in view the substantial investment that are being made in poverty alleviation program, the district rural
development agency shall ensure financial discipline in respect of the funds received by them, whether from
central or state governments. They also shall ensure that the accounts are properly maintained including in
respects of the funds allocated to banks or implementing agencies in accordance with the guidelines of different
program.
• Thus the role of the district rural development agency is in terms of planning for effective implementation of
antipoverty programs, coordinating with other agencies-governmental, non- governmental, technical and
financial for successful program implementation, enabling the community and the rural poor to participate in the
decision making process, overseeing the implementation to ensure adherence to guidelines,quality,equity and
efficiency reporting to the prescribed authorities on the implementation and promoting transparency in decision
making and implementation.
• Entrusting of any program to the district rural development agency, other than anti-poverty programs of the
ministry, be it of any other ministry of government of India or the respective state government will have to be
done with the approval of the secretary rural development of the respective states who should examine such
request in consultation with the ministry of rural development, government of India in such cases it must be
ensured that adequate provision is made for requisite staffing needed for proper implementation of the program.
• Pradhan mantri awaaws yojana PMAY-G aims to provide a pucca house with basic amenities to all houseless
households and households living in kutcha and dilapidated house by 2022. The immediate objective is to cover
1.00 crore households living in kutcha house/ dilapidated houses in three years from 2016-17 to 2018-19 and
ensure construction of quality houses, using local materials, designs and masons specially trained in quality
workmanship. For houses to become homes, adequate care for adopting a habitat approach through
convergence is proposed. The current status of this scheme was active. The legislature has approved a
speculation of 439.22 billion development of 6, 83,724 houses for poor including focal help responsibility of
100.50 billion by April 2016. There are some conditions for this scheme such as beneficiary age should be less
than 3 lakh; beneficiary should be in low income group (LIG). Pradhan mantri awaas yojana grameen is a
government of India initiative designed to make affordable housing a reality for every stratum of society. Since
the beginning, this scheme has encouraged the construction of affordable housing units in every state of India,
bringing more choices to first-time homeowners. Pradhan mantri awas yojana in odisha is no different, and in its
efforts to curb homelessness, it has already facilitated the construction of over 14.5 lakh houses in rural areas.
However, the mission does not end there, the state government of odisha also aims to complete the construction
of an additional 49,142 housing units for rural benefit
• Objective of pradhan mantri awas yojana- there are three main objectives of pradhan mantri awas yojana
• Reasonable homes with water association, latrine offices,24x7 power supply and finish get to
• 2 crore houses to be worked over country’s length and broadness focusing on the lower income groups(LIG) and
economically weaker section of our general public(EWS), essentially the poor by the year 2022
• 2 million non-ghetto rural poor family units are proposed to be secured under the mission.
• Pradhan mantri awas yojana (PMAY) targeted group or beneficiary- PMAY housing scheme will work by giving
focal help to rural local bodies and additionally other utilized offices through states/UTs. For

3
• The Building nearby rehabilitation of the current ghetto occupants by starting private support for utilizing poor
land region as an asset.
• By giving credit linked subsidy.
• Starting affordable housing in partnership.
• Giving subsidy to the recipient for singular house development/upgrade.
• Three phases of pradhan mantri awas yojana (PMAY)
• Pmay phase 1- April 2015-march 2017
• This phase will start the development of 100 areas.
• PMAY phase 2-april 2017- march 2019
• More than 200 areas will be covered in this phase.
• PMAY phase 3- April 2019- march 2022
• This phase covers remaining areas in India.
• The primary features of pradhan mantri awas yojana :
• In house allotments the first preference will be given to females.
• In house allotments ground floor will be given to physical disabled or to senior citizens.
• The housing constructors should follow the eco- friendly followers.
• Less rate of interest from the market value.
• The minimum unit (house) size enhanced from the existing 20 sq. mt. to 25 sq. mt including a dedicated area for
hygienic cooking.
• Enhancement of unit assistance from rs. 70,000 to rs. 1.20 lakh in plains and from rs. 75,000 to rs. 1.30 lakh in
hilly states, difficult areas and IAP districts. The cost of unit (house) assistance is to be shared between central
and state governments in the ratio 60:40 in plain areas and 90:10 for north-eastern and hilly states.
• Identification of beneficiaries using SECC-2011 data. The identification and selection of the beneficiaries shall be
done by the community through the gram sabha, from the SECC 2011 list, based on the housing deficiency and
other social deprivation parameters.
• The beneficiaries of PMAY-G in addition to being provided financial assistance shall also be offered technical
assistance in the construction of the house. If the beneficiary so chooses, he/she will be facilitated to avail loan
from financial institutions for an amount of up to rs 70,000. Special module for orientation of beneficiaries for
demystifying concepts of construction costs and process. All payments through DBT to beneficiary’s bank/post
office accounts registered in awaas soft MIS.
• Provision of toilets at RS 12000/- AND 90/95 DAYS of unskilled wage labor under MGNREGA over and above the
unit cost.
• Use of effective convergence for provision of electricity, piped drinking water facility, rain water harvesting, lpg
gas connection under ujjwal scheme, solar initiatives, backyard fruit plants, poultry, goatery, diary shed, solid and
liquid waste management etc.
• Creating menu of housing designs based on local typologies incorporating local materials, traditional knowledge
and aesthetics. Specially designed mason training certificates pro – forma on site to improve quality of homes and
enhance skills of participants.
• Saturation approach in housing provision using gram panchayat, block or district as unit, wherever possible.
• Role of gram, panchayat-under the scheme of PMAY-G, gram panchayats have been given the most critical role to
play in the actual implementation of the scheme. these include the following;
• The GP finalizes priority list of eligible beneficiaries prepared on the basis of SECC-2011 data by convening a gram
sabha.
• The gp through gram sabha prepares the list of additional beneficiaries who though eligible have been left out
from the list of eligible beneficiaries.
• The GPs should ensure maximum participation in the gram sabha held to finalize the priority list of beneficiaries.

4
• They should arrange the meeting of beneficiaries either at the level of the village panchayat or for a cluster of
village panchayats, depending on the number of beneficiaries and facilitate the orientation of beneficiaries on
different aspects of the scheme.
• The gram panchayats with the help of the gram sabha would identify families who cannot construct houses on
their own and help in identifying NGOs/civil society organizations of repute to handhold such beneficiaries to
construct the houses in time.
• Tagging of land and mapping or field functionary and mason to beneficiary- before use of sanction order the BDO
or any block level official authorized by the state government shall geo-tag the vacant land of the beneficiary, and
also the details of the field functionary and trained mason mapped to the beneficiary. In case of landless
beneficiary the state shall ensure that the beneficiary is provided land from the government land or any other
land including public land (panchayat common land. Community land or land belonging to other local
authorities). For the selected land connectivity and availability of drinking water be ensured. The states will
ensure that this is accomplished once the priority list is finalized.
• Issue of sanction letter to beneficiary- the annual select list drawn from the priority list of the beneficiaries as per
the target allocated will be registered on MIS- awaasoft. During the registration, the details of bank account,
name of the nominee, NREGS job card number have to be mandatorily entered. In addition, the mobile numbers
wherever available may also be seeded on awaassoft. After registration of the beneficiary details and the bank
account details of the beneficiary are validated, a sanction order shall be individually generated in awaassoft for
each beneficiary with a distinct PMAY-G ID and QR code. Allotment of house shall be made jointly in the name of
husband and wife except in the case of a widow/unmarried/separated person. The state may also choose to allot
it solely in the name of the woman. in the case of beneficiaries selected under the quota for persons with
disabilities, the allotment should be only in the name of such person. The issue of sanction in favor of the
beneficiary to be communicated through SMS to the beneficiary. The beneficiary can either collect the sanction
from the block office.
• Release of first installment to beneficiary- the first installment shall be released to the beneficiary electronically
to the registered bank account of the beneficiary within a week from the date of issues of sanction. The states
would pursue with the bank in which the state nodal account is maintained to send an SMS to the beneficiary
intimating transfer of assistance.
• Mode of construction- the house shall be constructed or got constructed by the beneficiary himself/herself under
PMAYG. No contractor should be engaged by the state in construction of houses. If any case of construction
through contractor comes to notice, the ministry of rural development, it will have the right to recover the
release made to the state for those PMAYG houses. The house should also not be constructed by any government
department/agency other than where specifically mentioned.
• Time limit for completion of house by the beneficiary- the complications in completion of the house accentuate
with delay in construction. With escalation of time the cost of inputs also increase and because the beneficiaries
are from strata that are vulnerable to various insecurities of life, delay results in the assistance money being used
to service other pressing necessities or to meet consumption requirements. Such situations become irretrievable.
And the recovery of money from such beneficiary would be very undesirable given their precarious
socioeconomic condition. The state has to very closely monitor the construction of house by the beneficiary and
ensure constant handholding. The construction of house should be completed in 18 months from the release of
first installment. House construction can have only the following 7 stages/levels.
• House sanctioned
• Foundation
• Plinth
• Windowsill
• Lintel
• Roof cast

5
• Completed
• Release of assistance to the beneficiaries- the states shall in the beginning of the year decide the total number of
installments and the amount in each installment to be paid to the beneficiary for house construction. All states
must mandatorily pay the last installment after completion of the house. States have to map installments other
than the 1st and the last to house construction stages/levels of their choice from among the following in
awaassoft-
• Foundation
• Plinth
• Windowsill
• Lintel
• Roof cast
• Beneficiary support services- to ensure timely completion of quality houses within the available resources, in
addition to providing financial assistance to the beneficiaries for house construction, it is essential that crucial
support services like briefing on the stage wise requirement of materials and resources, the development of
different options of locally relevant house type designs, awareness on cost saving construction technologies,
facilitation of common procurement of construction materials, availability of sufficient number of trained masons
etc are provided to the beneficiaries. The provision of support services will need action on the following area.
• Sensitization workshop for the beneficiaries.
• Develop house design typologies
• Mason training and certification
• Plan for unified souring of construction material
• Support to old and disabled beneficiaries.
• Facilitating loan from banks for up to 70000
• Sensitization workshop for the beneficiaries- the states organize a workshop on a selected date to sensitize the
selected beneficiaries on the quantum of assistance and the stage wise installments there of the need to take up
construction of the core house initially, the approximate requirement of material for construction of each stage,
the disaster resilient features that need to be incorporated for houses in their locality, the different options of the
house type designs suitable to their area the availability of the skilled mason along with their contact, the source
for procurement of the material at reasonable rate. The states should also facilitate having interaction of the
beneficiaries with the banks identified to provide loan for house construction, the trained masons in the area and
the line departments that are supposed to provide converged services to the beneficiary.
• Develop house designs typologies- the states should provide the beneficiaries bouquet of options of house
designs and appropriate technology suitable to the region of their residence. The core house design should
include a dedicated space for hygienic cooking and also include a toilet and bathing area. The roof and wall
should be strong to be able to withstand the climatic conditions of the place in which the beneficiary resides and
incorporate disaster resilient features (where needed) to be able to withstand earthquakes, cyclone, floods etc. it
is also desirable that the house design incorporates the following features, which could be later added to by the
beneficiary depending on the resource availability.
• Adequate space for pursuing livelihood activities,
• A verandah
• Rain water harvesting system
• The central governments will handhold the states, wherever needed in the development of region specific type
designs for the states.
• Along with the sanction letter of assistance for construction of the house, the beneficiary should be provided the
menu of options of the identified house designs and technologies that will also have the following details
• The quantity of materials required and the tentative cost involved for different levels of construction foundation,
lintel level, roof etc for each identified house design.
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• Provide list of the trained masons and their contact details.
• Intimate about the location of demonstration house that had been constructed so that the beneficiary can have a
walk through experience.
• Name of the bank and the terms and conditions for institutional finance to the beneficiaries.
• Mason training and certification- to ensure that the houses that are proposed to be constructed are of good
quality, the availability of skilled mason is a must. States should plan and conduct training of masons in locations
where the expected construction intensity is high. This is reasonably ascertainable from the priority list. The
trainings to be held as per the rural mason qualification pack (QP) of the NSDC. As this QP currently includes only
the occupational standards for basic construction work, the states may take up the identified type design that
incorporates the local constructional technology to also be included as a part of mason training. The states will
need to do the following for organizing mason training.
• Identify and engage a training provider accredited to the construction skill development council, for conduct of
the training of rural mason.
• Conduct a pilot training in a district as per the approved qualification pack and then based on the learning’s draw
up a mason training plan for the state.
• Post training make arrangements for assessment of the trained masons through an assessment agency accredited
to the CSDCI.
• Map the trained masons with the beneficiary’s sanctioned assistance under the scheme.
• Plan for collective sourcing of construction material- where the targets are high, the state governments shall
undertake an exercise to asses district wise requirement of materials based on the targets communicated from
the centre and from the priority list (PL). based on the request from the agreeing beneficiaries, the states
government should arrive at an arrangement with the suppliers on competitive rates for supply to the
beneficiaries. States may also consider setting up material banks at the district level, for procuring the materials
in bulk required as per the design typologies and target number of houses. The materials so procured can be
supplied to the beneficiaries for construction of the house. Strict quality control must be put in place for this
procurement. Third party verification of the material procured should be undertaken through an identified
technical institution in the state. The state may also promote the use of pre-fabrication/ pre-engineered
materials in the construction where feasible and requested by the beneficiaries.
• Support to old and disabled beneficiaries- in cases where the beneficiary is old or infirm or a person with
disability and is therefore not in a position to get the house constructed on his own, such houses should be taken
up as a part of the mason training program and constructed. In case there are still some beneficiaries left out the
state government will ensure that they are assisted through gram panchayats or a ground functionary to get their
house constructed
• Facilitating loan up to Rs 70000 banks- the beneficiary would want to construct the house as per his aspirations
and future requirements as this would be a once in a lifetime activity. This would invariably require additional
funds over and above the financial assistance provided to the beneficiary under the scheme the beneficiary if
he/she so chooses, would be facilitated to get institutional finance up to Rs 70,000 in case the beneficiary
chooses the option of institutional finance, the central and state subsidy will be routed through the same bank
account in which the finance has been availed, and the officials of the financial institutions will also be expected
to monitor the progress of construction. To ensure that the beneficiaries of PMAY-G are facilitated to avail loan
under DRI or otherwise, the following methodology may be adopted.
• Hold meeting of state level bankers committees (SLBC) to discuss the modalities and terms and conditions for
providing the loans to the beneficiaries of PMAYG.
• Discuss with primary lending institutions (scheduled banks, cooperative and regional rural banks, housing finance
companies) the conditions to be satisfied and documents needed for due diligence.
• State and banks to give wide publicity of the loans to be provided to the beneficiaries and the documents those
are required for availing the loan.

7
• Once the beneficiary is sanctioned house, the functionary at the ground level may be assigned the task of getting
the application form, filling of the same by the beneficiary who are opting for loan and submitting of the same to
the bank for processing the loans.
• Monitoring of sanction of the loan should be done at the block, district and state levels including at
BLDC/DLBC/SLBC levels. At the district and state level, a senior officer should be made responsible to respond to
grievances related to non-sanction of loan and sort out the same in consultation with the banks concerned.
• Monitoring- the schemes needs to be monitored very closely. Monitoring should be done at all levels and with
special emphasis on quality and timely completion of construction. All data regarding beneficiaries, progress of
construction and release of funds, including photographs and inspection reports shall be placed on AWAASOFT
and would form the basis for follow up on both the financial and physical progress of the scheme. The physical
progress in construction would be monitored through the photographs to be uploaded at every stage of
construction as decided by the state government. The state government to use the AWAASAPP for uploading the
photographs. A photograph should be uploaded on completion of construction of the house. The beneficiary
should not be charged for the process of taking the photograph and uploading the same on AWAASOFT.
• Officers at the block level should inspect 10% of the houses at each stage of construction. The list of such houses
may be generated at random by AWAASOFT and the inspection report uploaded.
• District level officers should inspect 2% of the houses at each stage of construction from the random list
generated by AWAASOFT.
• Every house sanctioned under PMAYG to be tagged to a village level functionary gram rozgar sahayak or any
other village level worker whose task is to follow-up with the beneficiary and facilitate construction.
• The PMU set by the state should look in to ensure that the beneficiary construct a house which is durable,
qualitative and disaster resilient. National level monitors and area officers of the ministry would also visit PMAYG
houses during the field visits, to the extent possible to assess the progress procedure followed for selection of
beneficiaries etc.
• Site selection
• Use of appropriate cost effective technology.
• Selection of design and materials for construction which have negative environmental impact.
• Ensure that a trained mason has been assigned for construction of the house.
• Facilitation of loan to the beneficiary.
• Ensure that the beneficiary gets 90/95 days wage component from MGNREGA for construction of his house.
• Provision of basic amenities to the beneficiaries of PMAYG through convergence with the scheme of government
of india and state government toilets, electricity connection, drinking water, solid and liquid waste management
etc.
• Finishing including electrical, plumbing and sanitary fittings.
• Ensuring rain water harvesting and drainage system for the house constructed.
• Community/participatory monitoring-in the meeting of the GRAM SABHA to approve the annual select list, the
list of ongoing PMAYG houses and list of houses completed during the year should be read out and copy posted in
the panchayat office notice board. A community based participatory monitoring system should be put in place
utilizing the services of the SHG network under NRLM. The services of NGOs and civil service organizations (CSOs)
may also be utilized for creating awareness of the program and monitoring the progress and quality of the
construction of the house.

8
• The GPs assist in identifying common land and other land including govt land for allotment to the landless
beneficiary.
• The GPs may facilitate the beneficiaries in accessing materials required for construction at reasonable rates and
also the trained masons needed for construction.
• The gram panchayats would ensure convergence with other scheme of the centre and state so that beneficiary of
PMAY-G avails the benefits of these schemes.
• They should discuss the progress of the scheme in their scheduled meetings.
• They also should proactively assist the social audit terms to conduct social audit.
• The gram panchayat should identify and monitor the local; level functionary who would be tagged with each
house sanctioned for ensuring completion of the construction of the house without delay.
• A family must not have availed financial assistance from any other and also should not own a pucca house in any
part of India for eligibility of this scheme.
• BIJU PCUCA GHAR YOJANA- BACKGROUND AND APPROACH-(BPGY)-
Housing is a fundamental human need. It is a basic requirement for the human survival as well as for a decent
life. Government of odisha is committed to provide pucca house to all the rural households living in kutcha
houses. State government with a view to achieving this objective launched ‘BIJU PUCCA GHAR YOJANA’ (BPGY)
during the year 2014. In order to make the scheme more transparent and implementable, the following
guidelines are-objective; objective of the scheme is to convert all kutcha houses into pucca house in rural areas of
the state in a mission mode approach. A pucca house means that it should be able to withstand normal wear and
tear due to usage and natural forces including climatic conditions.
A” pucca “house is one with the following characteristics;
• Material- it should have foundation, wall and roof of permanent material.
• Wall material- fly ash bricks, burnt bricks, stones (packed with lime or cement), cement concrete, etc
• Roof material- titles, gci(galvanized corrugated iron) sheets, asbestos cement sheet, RBC (reinforced
brick concrete) and RCC (reinforced cement concrete) etc.
• Life time- the expected life of the structure must be a minimum of 30 years.
• It is clarified that the above definition is only for verification of households with pucca houses. The
houses that shall be constructed under this scheme shall be of RCC or any other material of equivalent
strength approved by PR AND DW department
• A kutcha house is one in which walls and/or roof is made of materials such as un-burnt bricks, bamboos,
mud , grass, reeds, thatch, loosely packed stones etc, and materials and which are not durable due to
inappropriate application of techniques and are not able to withstand normal wear and tear.
• Key features-1) biju pucca ghar yojana is a state plan scheme and is designed to provide pucca houses to
the eligible rural households living in kutcha house.
• The dwelling unit under biju pucca ghar yojana will be sanctioned preferably in the name of the woman
head of the household.
• No contractor shall be involved in the construction of houses under biju pucca ghar yojana.
• The fund under the scheme shall be credited to the beneficiary’s account from the bank account
maintained at state level through public financial management system (PFMS). No other form of
payment will be made under the scheme.
• The minimum carpet area of the house should be of 25 square meters including a hygienic cooking
space and excluding toilet. The roof material will mandatorily be of RCC or any other material of
equivalent strength approved by panchayati raj and drinking water department. Innovation in housing
typologies, design, building material and construction should be encouraged.

9
• Components of the scheme- the biju pucca ghar yojana has two components-1)biju pucca ghar yojana
(normal) and 2)biju pucca ghar yojana (special)
• Biju pucca ghar yojana (normal)-funds allocated under the component can be utilized for following
admissible expenditure;-incentive to the beneficiaries, officials and CBOs/NGOs involved in the
implementation of biju pucca ghar yojana, pradhan mantri awaas yojana (gamin) or any other state
funded rural housing schemes for early completion of houses.
• For completion of house and IHHL within 4 months of receipt of 1st installment, incentive of rs. 20,000/-
will be paid to the beneficiary.
• For completion of house and IHHL within 6 months of receipt of 1st installment, incentive of rs. 10,000/-
will be paid to the beneficiary.
The incentive amount is subject to revision by government from time to time.
• Award for excellence in rural housing to state/district/block teams and officials/officers involved for
implementation. The eligibility, type, category of the awards and other modalities shall be decided by
the department from time to time.
• Preparation of IEC material.
• Imparting habitat and housing literacy to beneficiaries.
• Payment of honorarium/ incentives to SHGs/ CRPs and CBOs for facilitating construction of biju pucca
ghar yojana houses.
• Training of officials.
• Cost of engraved logo of biju pucca ghar yojana to be installed by the beneficiaries.
• Others, with approval of PR and DW department.
• These amounts can be paid through RTGS/NEFT/ other electronic mode of payment.
• Biju pucca ghar yojana(special); under this component, housing units will be sanctioned to the following
categories of beneficiaries;
• Rehabilitation/relocation of the household whose house has been fully/severely damaged by
natural/manmade calamities like fire, flood, cyclone, earth quake, elephant menace, communal
violence, LWE violence, major law and order problem etc.
• Victims of river/sea inundation who need re-location /shifting or who are rehabilitated/ relocated due
to government projects like irrigation schemes, roads etc.
• Beneficiary of the schedule tribe and other traditional forest dwellers(recognition of forest rights )act,
2006
• People affected by occupational diseases like silicosis, asbestos and overuse of pesticides.
• Notwithstanding previous allotment of house under biju pucca ghar yojana (BPGY)/IAY/PMAY (G)/ any
other government scheme, the households will be eligible to avail a house under biju pucca ghar yojana
(special).
• Extremely poor, vulnerable and deserving households who need pucca house on compassionate ground
but could not be selected under pradhan mantrI awaas yojana (gramin).
• Along with the registered SECC 2011 kutcha households, the households either totally left out or
wrongly not registered in kutcha household category of SECC list are also eligible, it found to be living in
kutcha house as per field verification and if considered deserving by district level selection committee
and approved as such by the committee.
• Selection procedure of biju pucca ghar beneficiaries: district wise physical target for a financial year will
be fixed by the PR and DW department.
10
• The selection of beneficiaries for biju pucca ghar(special) will be done by a district level committee(DLC)
consisting of the following members;
• District collector- chairman
• Hon’ble MPs (lok sabha) of district- member
• Hon’ble MLAs of the district- member
• President zilla parishad- member
• PD, DRDA-cum-EO,ZP- member convener
• The district level committee will approve the list after which it will be communicated to the BDOs by the
district collector.
• In case district level committee fails to approve the list within time line fixed by the collector, the district
collector will approve the list available with him and communicate to the BDOs.
• The final list will be published at the concerned gram panchayat/ block head quarters and will also be
made available at DRDA website and state rural housing portal for information of public.
• Unit cost: the unit cost under biju pucca ghar (special) for construction of new pucca house is rs. 1,
20,000-/ for non- IAP districts and rs. 1, 30,000/- for IAP districts. This can be revised by the P.R. and
D.W. department from time to time
• Release of installments: the release of installments will be linked to the level of construction reached.
The number and amounts of installments may be revised by the government from time to time. At
present, the release of installment will be as follows funds will be credited to beneficiary account
through direct account transfer using public financial management system (PFMS).
Installment Level Amount in RS
Non-IAP
IAP districts
districts The criteria
1ST INSTALLMENT On issuance of work order 20,000 20,000 for
2ND INSTALLMENT On completion of plinth 35,000 30,000 automatic
3RD INSTALLMENT On completion of up to roof level 45,000 40,000
inclusion as
After completion of the house in
follows
all respects including the sanitary
4TH INSTALLMENT 30,000 30,000
latrine and beneficiary starts living
in the house The criteria
Total 1,30,000 1,20,000 for
automatic
inclusion as follows-

• Households without shelter.

• Destitute/living on alms
• Manual scavengers
• Primitive tribal groups
• Legally released bonded laborer.
• Otherwise will be determined based on their cumulative deprivation scores.
• Households with no adult member between 16 to 59.
• Female headed households with no adult male member between ages 16 to 59.
• Households with no literate adult above 25 years.
• Households with any disabled member and no able bodied adult member.

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• Landless households deriving the major part of their income from manual casual labor.
• As per SECC2011 60% target should be earmarked to SC/ST.
• 3% have to be allocated to persons with disabilities.
• Selection of beneficiaries from other category-1) households with widows
• Households where a member is suffering from leprosy or cancer and people living with HIV.
• Households with a single girl child.
• Beneficiary families of the scheduled tribes and other traditional forest dwellers.
• Transgender persons.
• Issue of sanction orders-
• The geo-tagged photograph of the beneficiary in front of the dwelling unit, where he/she is presently
residing and the proposed site which the beneficiary proposes to construct house should be captured
using AwaasApp and uploaded on AwaaSoft.
• At the time of registration of the beneficiary on awaasoft, details of bank account, name of nominee
and MGNREGS job card number of beneficiary and aadhar no are to be captured.
• Fund sharing under PMAY-G- 2016-2017
• CENTRAL SHARE(60%)-rs72,000/-
• State share(40%)- rs48,000/-
• Unit cost fixed by GOI-rs1,20,000/-
• Awaasapp a mobile application is used to monitor real time, evidence based progress of house
construction through date and time stamped and geo referenced photographs of the house. Towards
better quality of construction, setting up of a national technical support agency (NTSA) is envisaged.

All families who have either one or two roomed non-permanent (kaccha) housing. Also house’s walls
and roofs must not be made of concrete
Government to construct 3 crore pucca (permanent) houses for the rural poor till march2024.the
scheme is expected to boost job creation in rural areas. The project has been extended for a span of
three years from march 2021 to march 2024 estimated cost of construction completion of remaining
1.55 crore houses is approx rs 2.17 lakh crore

• For issuance of work order, geo-tagged photograph of the beneficiary with her/his kutcha house and
geo-tagged photographs of beneficiary with the proposed site of construction should be collected
• All photographs for inspection of houses should be taken and upload using awaasapp developed by GOI
or any other such app developed by state government.
• The photograph of beneficiary, her/his aadhaar UID/EID mobile number should be kept in case record
and uploaded in awaassoft. Incase beneficiary does not have mobile connection/phone; her/his
family/relative/friend’s mobile number provided by beneficiary should be recorded.
• The 2nd,3rd,and 4th installments will be credited to beneficiary account by the BDOI within a week of
receipt of the report of the eye estimation, spot verification and geo-tagged photographic evidence of
stage of construction by the official tagged with the beneficiary concerned.
• The beneficiary will fix engraved logo of biju pucca ghar yojana in the front-wall of the house indicating
name of the beneficiaries, year of sanction and unresit cost etc. after which the 4th installment will be
released.

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• Convergence and innovation: the beneficiary of biju pucca ghar yojana will get wage component for 90
person days and 95 person days in non- IAP and IAP districts respectively under MGNREGS which can be
revised by government from time to time.
• The beneficiary of biju pucca ghar yojana will avail rs 12,000 for IHHL under MGNREGS/SBM (G). The
unit assistance for construction of IHHL can be revised by government from time to time.
• Facilitating loan of up to rs 70000 from financial institutions like banks: the beneficiary, if she/he so
chooses, would be facilitated to get institutional finance up to rs 70,000. In case the beneficiary chooses
the option of institutional finance, the state assistance will be routed through the same bank account in
which the finance has been availed, and the officials of the financial institutions will also be expected to
monitor the progress of construction.
• To facilitate beneficiaries to avail loan under DRI or otherwise, the following methodology may be
adopted:
• Hold meeting of bankers committees to discuss the modalities and terms and conditions for providing
the loans to the beneficiaries of biju pucca ghar yojana.
• Wide publicity of the loans to be provided to the beneficiaries and the documents those are required
for availing the loan.
• Once the beneficiary is sanctioned house, the functionary tagged to her/him at the ground level may be
assigned with the task of getting the application form, filling of the same by the beneficiary who is
opting for loan and submitting of the same to the bank for processing of the loans.
• Financial management: the DDO PR AND DW department will draw the amount and credit to the
designated account of biju pucca ghar yojana maintained at state level.
• Government will make direct credit to the accounts of beneficiaries from a centralized account
maintained at state level using the e-FMS/PFMS.
• The interest accrued on deposit of “biju pucca ghar yojana (BPGY)” fund shall be treated as part of “biju
pucca ghar yojana (BPGY)” fund and shall be utilized for the scheme only.
• There shall be separate account at DRDA/block level in a public sector bank /nationalized
bank/scheduled commercial bank allowed for handling government business.
• All such accounts will be audited by AG,odisha/CAG
• Strategy for implementation: houses under”biju pucca ghar yojana (BPGY)” shall be constructed by the
beneficiaries themselves.
• Panchayat samities will be the implementing agencies for “biju pucca ghar yojana (BPGY)” under the
control, direction and supervision of DRDAs/ zilla parishad.
• The beneficiaries will be provided with a basket of options of house designs and appropriate technology
suitable to the region of their residence. The core house design should include a dedicated space for
hygienic cooking and also include a toilet and bathing area. The roof and wall should be strong to be
able to withstand the climatic conditions of the place in which the beneficiary resides and incorporate
disaster resilient features (where needed) to be able to withstand earthquakes, cyclone, floods etc.
however beneficiary is at liberty to construct house as per his/her choice at and above the approved
carpet area of the house.
• The dwelling house under”biju pucca gharyojana (BPGY)” shall be on individual plots of the beneficiary
or on the plot of any of his/her family members subject to submission of no objection certificate by the
land owner.

13
• The allotment of dwelling house shall be made preferably in the name of female head of the household.
In case the household is not headed by female, then the allotment can be made jointly in the name of
husband and wife or if the female spouse is not there, allotment can be made in the name of male head
of the family. In the case of beneficiaries selected under the quota for persons with disabilities, the
allotment should be only in the name of such persons.
• A particular block staff should be tagged with a specific number of beneficiaries for facilitating
construction of house.
• For coordinated supply of building materials and facilitating beneficiary in construction of house,
community based organizations (CBOs) like SHGs, GPLFs, producer groups etc. nurtured under odisha
livelihood mission and reputed NGOs can be engaged as per instructions communicated by government
from time to time.
• In cases where the beneficiary is a senior citizen or infirm destitute or a person with disability who may
not be able to stand the strain of supervision of construction and who requests for such support in
writing, such houses can be taken up as a part of the mason training program for construction or may
be entrusted to reputed agencies with approval of the collector concerned.
• Time line: the houses under biju pucca ghar yojjana will be ordinarily completed within the 12 months
from the credit of 1st installment in her/his account. Beneficiary constructing a bigger house must be
advised to first complete the core house with a carpet area of at least 25 square meters and go for
extension subsequently.
• Monitoring”” district collector will ensure proper implementation of the scheme
• PD DRDA will be personally responsible at district level and BDO at block level for timely
implementation of the scheme.
• BDOs at block level will inspect at least 10% of houses under construction.
• District level officers will inspect at least 1% of houses.
• APD(RH) will inspect 10% of the houses of the district.
• Wherever the construction of the houses is entrusted to a reputed agency in these cases, BDO will
inspect all the houses and PD-DRDA will inspect 10% of the houses.
• In addition , the beneficiaries are entitled for convergence for potable drinking water system,
electrification under deen dayal upadhyaya gram jyoti yojana (DDUGJY)/BGJY, wages for land
development under MGNREGS , social security under AABY/RSBY etc for as extent guidelines.
• Awaassoft, state rural housing portal and dashboard monitoring system of P.W. department will be
used as the key monitoring tools for review of the biju pucca ghar scheme.
• BDOs will ensure timely updating of data in AwaaaSoft.
• Procurement of materials: district administration can arrange for coordinated supply of materials such
as cement, steel, bricks, and pre-fabricated components at block point. The beneficiary is at liberty to
procure materials from the supplier decided by the district administration or from other sources.
• Miscellaneous: P.R. and D.W. Department of govt. of odisha shall be the administrative department for
implementation of”biju pucca ghar yojana (BPGY).
• P.W. and D.W. department shall be responsible for clarifying doubts, if any, and to ensure that
bottlenecks in the implementation of the scheme are removed as expeditiously as possible and
communicated to all concerned as and when required.
• NIRMAN SHRAMIK PUCCA GHAR YOJANA: many schemes have been implemented by the state
government of odisha for the development of the people. Most of these programs have been targeted
14
 towards bringing about improvement in the lives of those who belong to the poor strata of life. The
announcement of the nirman shramik pucca ghar yojana was done for providing permanent homes to
those associated construction industry.
• Key features of the nirman shramik pucca ghar yojana:1)permanent housing solution for the
construction workers- under the scheme , the state government will assist the construction workers
with financial assistance to erect their own permanent home
• Monetary grant for the workers- as per the program, each selected candidate will be given an amount
of rs. 1 lakh for starting the construction of his/her permanent home.
• Pension scheme- it has been also highlighted that once the construction worker has reached the age of
60, years the state government will assist them by providing a monthly pension of rs 500.
• covering construction workers working in other states- apart from the construction workers, living in
the state, the program will provide the benefits to those who are registered under the OBOCWWB and
belong from odisha originally but now have ventured to other states for work and better livelihood.
• Providing other benefits- the state department has decided to provide additional benefits to the eligible
candidates. These benefits include death and accidental benefits, educational grants for the children of
the workers.
• Features of the home- the state government has decided that these construction workers will be
allowed to construct a permanent home that has a carpet area of 25 sq km. this area will not include the
toilet. It will be necessary to erect a pucca toilet in the house.
• Number of beneficiaries- as per the reports, around 12.6 lakh candidate have the registration of the
respective department. 50,000 permanent homes will be erected by the end of 2016 that will require
500 crores.
• Construction of 30 training institutes- the state government will also establish 30 training institutes in
30 separate districts. These institutes will improve the standard of training that the construction
workers receive.
• Coverage area- special focus will be given to the rural areas that are very backward. Thus the villages
that come under the gram panchayat rule in the areas of bolangir, nuapada, bargarh, and kalahandi will
be handled with care.
• Eligibility criteria of the scheme-
• Must be a construction worker- the implementation of the scheme has not been done for just any
group. To get the benefits of the program the candidate will have to be associated with the construction
industry.
• Must belong to the BPL category –the poor construction workers do not have the adequate amount of
money to make their own permanent homes. Only the poor will be given the benefit of the scheme.
Thus, the workers must belong to the BPL group.
• Must be registered under OBOCWWB- only those construction workers who are registered with the
odisha building and odisha construction worker welfare board for a time span of 3 years will get the
chance to submit the application form. It was 5 years before the amendments were made.
• Must not posses a pucca home- as per the rules, only those candidates will be allowed to submit the
application who does not have access to permanent homes already.
• Funds for the scheme- the scheme has been announced and implemented by the state. Thus, all
monetary requirements will be met by the state authority. It has been estimated that a total of 1000
crores will be required for the completion of the primary phases of the scheme. This huge sum of

15
 money will be collected by the state. The cess that is generated from the construction of state
government buildings will be used to fund the scheme. Till now, an amount of rs. 750 crores have been
gathered.
• Background and approach- housing is a fundamental human need. It is a basic requirement for human
survival as well as for a decent life. State government launched “nirman shramik pucca ghar
yojana(NSPGY) to meet the housing needs of building and other construction workers in rural areas.
Registered under the odisha building and other construction workers welfare board (OB&OCWWB),
who play a pivotal role in the construction of individual and community assets and do not have their
own pucca house.
• Objective- objective of the scheme is to provide pucca house to the building workers & other
construction workers in rural areas registered under the odisha building workers welfare board. A pucca
house means that it should be able to withstand normal wear and tear due to usage and natural forces
including climatic conditions.
• A “pucca” house is one with the following characteristics;
• Material- it should have foundation, wall and roof of permanent material.
• Wall material- fly ash bricks, burnt bricks, stones (packed with lime or cement), cement concrete etc.
• Roof material- tiles, GCI (galvanized corrugated iron) sheets, asbestos cement sheet, RBC ( reinforced
brick concrete) and RCC (reinforced cement concrete) etc.
• Life time- the expected life of the structure must be a minimum of 30 years.
• It is clarified that the above definition is only for verification of households with pucca houses. The
houses that shall be constructed under this scheme shall be of RCC or any other material of equivalent
strength approved by panchayati raj and drinking water(PR&DW) DEPARTMENT
• A kutcha house is one in which walls and/or roof is made of materials such as un-burnt bricks,
bamboos, mud, grass, reeds, thatch, loosely packed stones etc. and materials not mentioned and which
are not durable due to inappropriate application of techniques and are not able to withstand normal
wear and tear.
• Key features- NSPGY is a scheme purely funded by the OB&OCWWB with an annual budgetary outlay to
be decided by the board for each financial year, which is subject to revision from time to time.
• The dwelling unit under NSPGY will be sanctioned preferably in the name of woman head of the
household.
• No contractor shall be involved in the construction of houses under NSPGY.
• The fund under the scheme shall be credited to the beneficiary’s account from the bank account
maintained at the state level by PR &DW department through public financial management system
(PFMS) no other form of payment to the beneficiaries will be made under the scheme.
• The minimum carpet area of the house should be of 25 square meters including a hygienic cooking
space and excluding toilet. The roof material will mandatorily be of RCC or any other material of
equivalent strength approved by PR&DW department .innovation in housing typologies, building
material and construction should be encouraged.
• Components of the scheme- the unit cost under NSPGY for new construction of dwelling house is rs. 1,
20,000/- for non-IAP districts and rs. 1, 30,000/- for IAP districts. This can be revised by the state
government from time to time at par with biju pucca ghar yojana (BPGY).
• THE BENEFICIARY OF nspgy will get wage component for 90 person days and 95 person days in non-IAP
and IAP districts respectively under MGNREGS, which can be revised by government from time to time.

16
• The beneficiary of NSPGY will avail rs 12,000 for IHHL under MGNREGS/SBM (G). The unit assistance for
construction of IHHL can be revised by government from time to time.
• In addition, the beneficiaries are entitled for convergence for potable drinking water supply system,
electrification under deen dayal upadhyaya gram jyoti yojana (DDU GJY)/BGJY, wages for land
development under MGNREGS, social security under AABY/ RSBY etc. as per extent guidelines.
• The beneficiary will avail incentive for early completion of house as follows; for completion of house
and IHHL within 4 months of receipt of 1st installment, incentive of rs. 20,000/- will be paid to the
beneficiary.
• For completion of house and IHHL within 6 months of receipt of 1st installment, incentive of rs. 10,000/-
will be paid to the beneficiary, govt may revise the incentive amount from time to time.
• Setting of target and selection procedure; the board shall prepare a budget for each financial year and
based on availability of funds, allot target to PR&DW department.
• The district labour officer will submit list of construction workers having existing valid registration with
the odisha building & other construction workers welfare board under the building and other
construction workers (RE&CS) act, at least for a continuous period of 1 year to the block development
officer.
• While doing so the DLO will ensure that all required details are provided to the B.D.O so as to facilitate
field enquiry.
• On receipt of the said list from the district labour officer, block development officer will cause scrutiny if
the construction worker was earlier sanctioned with housing assistance under any of the government
schemes and if the name of the households finds place in the kutcha house hold category of theSECC-
2011 list. The name of households who have earlier availed housing assistance under any of the
government schemes or are not enlisted in kutcha household category of SECC 2011 will be deleted
from the list.
• BDO will cause field verification also for the construction workers in the list through block functionaries
to ascertain whether they have constructed pucca house
• The list of eligible construction workers found after scrutiny and field verification will be placed before
block level selection committee consisting of block development officer as chairman with assistant
executive engineer(AEE)/ assistant block development officer(ABDO)/ assistant engineer(AE) as member
and assistant labour officer(ALO)/ rural labour inspector(RLI) as member convener for approval of their
eligibility.
• The list of eligible beneficiaries will be recommended by the block development officer to the district
collector. On receipt of the beneficiaries list, the district collector will approve the same and forward the
list to OB&OCWWB and PR&DW department.
• The panchayati raj and drinking water department will then communicate district/block and publish the
entire list of eligible beneficiaries on their portal and it would also be made available in the portal of the
odisha building and other construction workers welfare board.
• BDO will sanction houses against the target allotted on the basis of auto-generated priority list in
awaassoft for the eligible registered construction workers. The order of beneficiaries in the priority list
should be maintained while sanctioning the houses.
• Strategy for implementation; houses under NSPGY shall be constructed by the beneficiaries
themselves.

17
• Panchayat samities will be the implementing agencies for “nirman shramik pucca ghar yojana (NSPGY)”
under the control, direction and supervision of DRDAs/ zilla parishad.
• The beneficiaries will be provided with a basket of options of house designs and appropriate technology
suitable to the region of their residence. The core house design should include a dedicated space for
hygienic cooking and also include a toilet and bathing area. The roof and wall should be strong to be
able to withstand the climatic conditions of the place in which the beneficiary resides and incorporate
disaster resilient features where needed to be able to withstand earthquakes, cyclone, floods etc.
however beneficiary is at liberty to construct house as per her/his choice at and above the approved
carpet area of the house.
• The dwelling house under “Nirman shramik pucca ghar yojana (NSPGY)” shall be on individual plots of
the beneficiary or on the plot of any of his/her family members subject to submission of no objection
certificate by the land owner.
• The allotment of dwelling house shall be made preferably in the name of female head of the household.
In case the household is not headed by female, then the allotment can be made jointly in the name of
husband and wife or if the female spouse is not there, allotment can be made in the name of male head
of the family. In the case of beneficiaries selected under the quota for persons with disabilities, the
allotment should be only in the name of such persons.
• District administration can arrange for coordinated supply of materials such as cement, steel, bricks and
pre-fabricated components at block point. The beneficiary is at liberty to procure materials from the
supplier decided by the district administration or from other sources.
• A particular block staff should be tagged with a specific number of beneficiaries for facilitating
construction of house.
• For coordinated supply of building materials and facilitating beneficiary in construction of house,
community based organizations (CBOs) like SHGs, GPLFs and producer groups etc. nurtured under
odisha livelihoods mission and reputed NGOs can be engaged as per instructions communicated by
government from time to time.
• In cases where the beneficiary is an infirm or destitute or a person with disability who may not be able
to stand the strain of supervision of construction and who requests for such support in writing, such
houses can be taken up as a part of the mason training program for construction or may be entrusted to
reputed agencies with approval of the collector concerned.
• Target group and eligibility criteria;1) a building worker between the age of 18 years and 60 years
having existing valid registration with the odisha building and other construction workers welfare board
under the building and other construction workers(RE&CS) act at least for a continuous period of 5
years will be eligible for assistance under the “nirman shramik pucca ghar yojana”.
• THIS ASSISTANCE WILL BE available only to the registered beneficiary, who does not have own pucca
house and who has not availed of housing assistance under any other government scheme (of the state
or central governments).
• A family will be considered as a unit for this assistance. Family means the husband or wife and minor
sons and unmarried daughters of the building workers and the parents solely dependent on him/her.
Once this assistance has been availed by a member of a family, no other family member can claim
separate assistance under the scheme, even if he/she is registered as a beneficiary under the odisha
building and other construction workers welfare board.

18
• The house should be constructed over own land of the beneficiary or his/her family member. Steps shall
be taken to provide homestead land to the landless beneficiary or any of his/her family members under
the existing schemes of the govt to enable them to avail of the assistance. Under no circumstances
should the house be built on encroached land.
• The beneficiary families those who have already availed, been allotted or been selected as beneficiary
for housing assistance under any other govt scheme(of the state or central govt) will be excluded from
availing assistance under this scheme.
• Unit cost: the unit cost under nirman shramik pucca ghar yojana (NSPGY) for new construction of
dwelling house is rs 1, 00,000/-(rupees one lakh) only. This can be revised by the state government from
time to time.
• Release of installments; the release of installments will be linked to the level of construction reached.
The number and amounts of installments may be revised by the government from time to time. At
present, the release of installment will be as follows;
Installment Level Amount in RS
IAP district NON-IAP district
1st installment On issuance of work 20,000 20,000
order
nd
2 installment On completion of plinth 35,000 30,000
rd
3 installment On completion of up to 45,000 40,000
roof level
4th installment After completion of the 30,000 30,000
house in all respects
including the sanitary
latrine and beneficiary
starts living in the house
Total 1,30,000 1,20,000
• For issuance of work order, geo-tagged photograph of the beneficiary with her/his kutcha house and
geo-tagged photograph of beneficiary with the proposed site of construction should be collected.
• All photographs for inspection of houses should be taken and uploaded using AwaasApp developed by
GOI or any other such app developed by state government.
• The photograph of beneficiary, her/his aadhar UID/EID, mobile number should be kept in the case
record and uploaded in awaassoft. In case beneficiary does not have mobile connection/phone, her/his
family/relative/friend’s mobile number provided by beneficiary should be recorded.
• The 2nd, 3rd, &4th installments will be credited to beneficiary account by the BDO within a week of
receipt of the report of the eye estimation, spot verification and geo-tagged photographic evidence of
stage of construction by the official tagged with the beneficiary concerned.
• The beneficiary will fix engraved logo of NSPGY in the front-wall of the house indicating name of the
beneficiaries, year of sanction and unit cost etc. after which the 4 th installment will be released.
• Funds will be credited to beneficiary account through direct account transfer using public financial
management system (PFMS).
• TIME LINE; the houses under nirman shramik pucca ghar yojana (NSPGY) will be ordinarily completed
within the 12 months from the credit of 1st installment in her/his account. Beneficiary constructing a
bigger house must be advised to first complete the core house with a carpet area of at least 25 square
meters and go for extension subsequently.

19
• Funding pattern-OB&OCWW board will release funds required for construction of houses as per the
target given and 4% administrative cost meant for incentive to beneficiaries and cost logo to PR&DW
department. The PR&DW department will release the funds to the beneficiaries through installments in
the pattern of biju pucca ghar yojana(BPGY)
• FINANCIAL MANAGEMENT-1) the OB&OCWW board will release funds to the PR&DW department up to
the financial limit fixed for that year.
• the PR&DW department will open a bank account in the name of “nirman shramik pucca ghar yojana” in
Bhubaneswar and theOB&OCWW board will credit the required amount to that account.
• All payment will be made to the beneficiaries through public finance management system (PFMS).
• Only for transaction of contingency expenditure district rural development agencies (DRDA) and block
should open separate account in a public sector bank/ government bank/nationalized bank.
• The interest accrued on deposit of NSPGY fund shall be treated as part of NSPGY fund and will be
utilized for the scheme only.
• All such accounts will be audited by AG, odisha/CAG/CA firm of the board.
• The block shall be the implementing agency.
• Overall supervision will be made by district collectors/project director, PD, DRDA.
• monitoring – district collector will ensure proper implementation of the scheme.
• PD DRDA will be personally responsible at district level and BDO at block level for timely
implementation of the scheme.
• BDOs at block level will inspect at least 10% of houses under construction.
• District level officers will inspect at least 1% of houses.
• Additional project director, rural housing APD (RH) will inspect at least 10% of the houses of the district.
• Wherever the construction of the houses is entrusted to a reputed agency in these cases BDO will
inspect all the houses and PD-DRDA will inspect 10% of the houses.
• Awaassoft, state rural housing portal and dashboard monitoring system of panchayat raj department
and portal of OB%OCWW board will be used as the key monitoring tools for review of the nirman
shramik pucca ghar yojana.
• BDOs will ensure timely updation of data in awaassoft and state rural housing portal.
• Miscellaneous- any provision that has not been explicitly spelt out in this guideline will mutatis
mutandis be as per the biju pucca ghar yojana (BPGY) guidelines.
• Any beneficiary allotted with a house under nirman shramik pucca ghar yojana whose house has fully
collapsed/washed away/fully damaged due to land slide/elephant menace/earthquake/flood/fire
accident or cyclone, will be eligible to get another nirman shramik pucca ghar yojana(NSPGY) house.
• Labour &ESI department of govt of odisha shall be the administrative department for nirman shramik
pucca ghar yojana (NSPGY) scheme. The funds for this scheme will be released by the OB&OCWW board
and the execution/implementation of the scheme will be carried out by the PR&DW department
• Labour and ESI department and panchayati raj department shall be responsible for clarifying doubts, if
any, and ensure that bottlenecks in the implementation of the scheme are removed as expeditiously as
possible and communicated to all concerned as and when required. through this programme the
government seeks to address the housing necessities of the rural poor including slum dwellers through
the following procedures;
• Through the proper utilization of land as a resource the mission mainly focuses on the slum
rehabilitation with the co-operation of private sectors.
20
• It gives special emphasis for affordable housing through credit linked subsidy.
• Affordable housing in partnership with public & private sectors.
• Provide subsidy for beneficiary-led individual house construction/enhancement.

21
 CHAPTER-2
REVIEW OF LITERATURE
Kumar k.k. (2016) one of the recent studies conducted on the impact of rural housing within the realm of human
development.kumar also linked the housing scheme with larger rural economy. He took the detail study of some
villages of Karnataka and try to establish an argument that housing project has multiplying connectivity with
other policies and scheme which need to be viewed in the pretext of human development.PMAY-G can be one of
that schemes which through its mechanism or provision of convergence can help in bringing appropriate
assessment of many policies for the benefit of rural poor. One of the main concerns affecting rural development
is bringing about a qualitative change in lives of rural poor through scheme convergence within and across
ministries. The habitat development working group on rural housing (12th five year plan, 2011) came with a
recommendation that a ‘hamlet’ should be treated the; unit of convergence’ rather than a village. Convergence
of IAY with schemes delivering other elements of a holistic habitat such as sanitation, water supply, domestic
energy and insurance cover need to be strengthened. Convergence also needs to be explored with MGNREGA
and backward regions grant fund (BRGF) for physical development of habitats.
Development facilitators,(2009), new Delhi has conducted an evaluation of rural housing programme(IAY) under
economic stimulus package(ESP) in selected naxal affected districts in Jharkhand,bihar, and odisha. This study has
been carried out for the research division of NITI aayog, GOI, New Delhi. The study found that earning of
respondents in post ESP regime was noted to have increased marginally, and the proportion of beneficiaries not
meaningfully engaged in any activity prior to ESP intervention noted to be declined after getting an IAY house2)
increased scope for work opportunities were reported as beneficiaries were engaged in construction activities of
other fellow IAY beneficiaries,44% reported scope for exposure to other avenues of employment as women IAY
beneficiaries were engaged in small business activities by becoming members in self help groups(SHGs)3) other
valued non-monetary outcomes perceived by a majority of beneficiaries was reduction of discomforts or
inconveniences after having pucca units and indicating possession of pucca IAY dwelling units had impacted
sustainable living4) augmentation of social security was indicated to be one of the impacts as migration by
younger people leaving behind elderly persons was reduced after MGNREGS was started to have diminishing
effects on seasonal migration of adolescents and youths5) use of saving to better health of household members
by ensuring sanitation and drinking water within households. Overall, the level of satisfaction owing to possession
of IAY units depicted positive valuation of dwelling units by respondents in terms of fostering societal
rejuvenation and improved social status.
Studies conducted have focused on ‘benefits of rural housing programme as a component in some other larger
studies or social impact of housing with specific indicators, new PMAY- revised/ revamped rural housing
programmes- has not been studied for its socio-economic impact on the rural poor. Hence this study is taken up.
(anand, 2017) in his study titled; ‘housing for the poor and the impact of IAY in rural india.present context’ has
analyzed the impact of housing for rural poor in india in rural poverty eradication with reference to the major
housing scheme of the Indian government i.e., indira awaas yojana(IAY). It is based on the secondary data. He
argues that rural housing has been marginalized both in wider policy discussions as well as within the debate on
rural issues because rural housing needs are generally subordinated to urban housing needs in policy priority yet
housing is essential for the well-being and social security of rural households.
Compared to urban areas, rural areas are more deprived. With incomes generally lower than the urban areas and
seasonal unemployment, many households find difficult to gain ownership of homes. This has implications for
social sustainability of rural communities and is causing increased polarization as younger people migrate to the
urban areas in search of jobs leaving behind their old folk and children resulting in negative impact on rural
enterprise and economic viability. He concludes that a house must have connectivity to drinking water supply,
sanitation, electricity etc in order to give a feeling of security to its inhabitants. Housing, as a basic need has
evolved as a prime component not only in providing shelter but also by providing employment opportunities and
aiding local development. This article puts across that the emphasis of rural housing should be more and more on

22
inclusiveness and on quality improvement. When a poor man owns a house, it helps in giving him a self-identity,
and that housing sector has positive impact on overall standard of living of the rural people.
(Kumar k.k., 2016) in his research paper titled ‘impact of rural housing schemes on human development in India-
an analysis has analyzed the problems of rural housing programmes on human development in Karnataka taking
into account, besides IAY, other major programmes of the government of India. This study argues that housing is
known to have multiple linkages with the rest of the economy and investments in housing have orchestrated
impact in the region and on the broader economy. This paper intends to analyze the various major housing
schemes of the government of India. It is based on the secondary data. The authors have attempted to explain
the multiplier effect of housing programme to the weaker sections of the population in Karnataka. They have
found that the state government of Karnataka has been very pro-active in creating a multiplier effect combining
IAY with other major development programmes in order to gear up human development efforts in the state.
(Kumar, june,2014) has made a review of work of the working group on rural housing for the twelfth five-year
plan , which was published in economic and political weekly. The working group has estimated the rural housing
shortage in India to be 43.13 million in 2012. Using the latest data sets- census 2011 and the national sample
survey housing condition round for 2008-09 and the improved methodology used by the technical group on
urban housing shortage, this paper re-estimates the rural shortage to be 62.01 million in 2012. Households living
in temporary houses and in congested conditions were found to be mainly responsible for the rural housing
shortage. The results suggest the need for holistically focusing on eradicating shelter deprivation in rural India
and contributing to an enhancement of the quality of life of the people.
Drawbacks in terms of provision of sanitation, drinking water and others in preceding housing project were
analyzed by nirmal Kumar (2004). They have concluded that rural houses are not treated as engineering
structures. Rather, they are built without proper planning of drainage, sewage and lack a building plan. It has
been observed that the technological knowledge related to construction of building and rural infrastructure is not
percolating down to remote village. Therefore, measures must be taken in order to strengthen dissemination of
information relating to transfer of technology, use of environment-friendly materials and credit/subsidy/finance
etc. avatar (2005) confirms that the issue pertaining to the scenario of convergence of various schemes is quite
miserable. Village where rural housing programme has been implemented lack basic amenities like water supply,
sanitation, disposal of wastewater, solid waste etc. this can be attributed as causes for the environmental
deterioration and pollution of common resources such as land, water, soil and air in rural areas. One thing which
comes out on scene is the persistent connectivity of sanitation and basic amenities which establish linkages with
the housing schemes. These basic amenities are related to health and are generally taken as social indicator on
the overall assessment of social well-being. The place of child birth was considered as an important facilitating
factor for maintaining improved health, particularly of infants. However child delivered in unhygienic condition
(home) has a direct bearing on his/her birth (veena kumara and singh, 2004). Arguments of veena and Singh
argue that housing is a key input in economic, social, and civic development. On the social side housing in better
times generates wealth by appreciating in value, providing secure premises for income-generating activities, and
opening the door to credit. Incremental investment in housing allows poor families to improve their asset base
over time, as resources become available. And clean, warm housing is an essential input for disease prevention
and health care.
Research carried out by srinivasan (1988) came up with the idea of applying appropriate technology in the
construction of rural house. He viewed that in the context of increasing housing needs, resources available for
construction need to be appropriated in best possible manner. According to srinivasan locally available resource
must be incorporated in construction to the maximum extent. The familiarity of the local artisans with correct
uses of indigenous material and acceptance by the people are positive advantage. Srinivasan(1988) found that
large number of rural houses is constructed with non-durable material like mud, grass thatch etc. such
construction requires frequent maintenance besides being highly vulnerable to fire and natural hazards like rain,
floods and earthquakes. The livable quality of the houses leaves much to be desired. The technology should aim
at improving the durability and livability of houses. Extension of same argument has been located in the work of
23
mathur (1989) where he linked rural housing technology with poverty eradication. According to him adoption of
appropriate technologies can contribute largely in mitigating the economic and social problems faced by rural
poor families in eradicating poverty by the use of self-reliance in building technology, conservation of energy and
maximum use of local reserves with gainful utilization of traditional skills. Concern for appropriate technology in
rural housing was also discussed by dutt (2002). He discussed that one of the major problems in rural housing is
lack of awareness and information about the various technical inputs required for habitat development.
Significance of having household assets was highlighted by abhiroop mukhopadhyay and indira rajaraman (2012)
in the context of economic benefit suggesting that housing is the major durable assets owned by households and
in rural India it has more significance. Housing varies by quality and therefore transition in housing quality is
potentially useful makers of the confidence3 of a household in its future income stream.
Satyasundaram (1989), in his article “improving rural housing” makes attention on housing in rural areas. He says
that the house is not only a dwelling place, but also work place in rural areas. He says “housing activity, which has
vast employment of potential, provides opportunity to fully utilize ideal manpower. Indeed, housing should be
treated not only as a welfare activity, but also as a means to set-up ancillary industries, of course, better housing
means improvement of health, sanitation and education”.
R.N. iyengar (1996), in this article “rural housing; a discussion”, suggests a technological approach as the right
answer to the problem of rural housing. Such an approach will be promoted sustainable development,
employment generation and people’s participation. He makes an in-depth discussion on policy, professional and
technological issues of housing and unravels the various dimensions of the problem.
Lahiri.sc. (1996), in the article” rural housing; an overview”, observes that the rising cost has a diminishing effect
in the housing sector and the present need is to promote low-cost and environmentally proper technology and
use of indigenous resources. He opines that the housing concept has undergone drastic changes and as such the
skills of the rural people to take up new housing technologies have to be developed with the involvement of
N.G.Os he says because of lack of adequate finance and infrastructure facilities, there is necessary of an adequate
government support in financing the rural housing.
Wiswakarma R.K.(1989), in his article’ housing for the poor; policy implementation’ describes housing as an
important and essential component of human settlement and since it is a part of comprehensive process, it
cannot be separable from the broader process of urban development and cannot be solved by itself. He argues
that housing is a means of achieving national development. He points out that housing for low income group of
people can provide an effective means of income redistribution and can also be a means for achieving
development, when used as a policy incentive for the distribution of population.
Balraj Mehta (1988), in his study; problem of rural housing and how it can be solved’ he discusses about the
national housing policy (NHP) and its main responsibilities. He says one of the objectives of NHP is to see that
every family owns an affordable shelter by the year 2000. He experiences that democratic state has to provide
minimum needs like food, water, clothing, and shelter to the poor people in the country, especially in the rural
areas; he feels that the performance in this topic is far from encouraging. He also feels that the provision of
decent housing for weaker sections of the society is crucially depends on the living conditions, income and
employment opportunities of the poor working people. Hence, he feels the problem of rural housing has to be
seen as a part of the larger socio-economic process. There are more studies that have been conducted from time
to time on the aspects of rural development economic growth, role of drda and its scheme performance
evaluation and so on and there is no optimum study which is directly relevant to this research. The following
studies have been gone through for the investigation.
Mishra et al (2011) have quoted from their analytical study pertained to the PRIs for rural development there was
huge different from the fund allotted by the government and the funds utilized by the panchayats. The study also
insisted that it required a stringent regulations and proper inspection for the utilization of funds by the gram
panchayats in order to develop the rural; areas.
Eswara reddy (2014) has stated that in his study there were not provided the optimum opportunities to the VPPs
and other leaders of PRI in the planning and implementation of the rural development programme. The district
24
authorities need to provide opportunities to all the leaders of panchayati raj institutions in the process of rural
development planning and implantation.
Rajamohan and shyamsundar (2015) have discussed the IAY impact a lot of programmes have been identified and
designed by the district rural development agency in such a manner to achieve a balanced development in all
aspects shelter in the form of housing is one of the basic requirements for human survival.

Jiyawan ram and O.P. mishra (2014) have quoted that from the time immemorial, housing and shelter have been
a basic and fundamental prerequisite for human existence. The study was planned with special focus on
awareness of the people participation, satisfaction and constraints faced by them in harnessing the benefits from
the programmes, the findings of the study reveal that a total of 75 percent of the respondents had medium level
of awareness regarding developmental aspects of IAY.
Kumar et al (2017) have discussed in their study ‘role of DRDA in rural development; a study of two mandals in
east Godavari district, A.P.’ that large populated country like India poverty alleviation has the major problem and
that can be overcome only through the rural development, the study also inhibited that the schemes and
activities undertaken by the DRDA can be accelerated for the betterment.
Amarjeet sinha on his article’ enabling opportunities for rural India’ mentioned the importance of PMAY and
considers the use of space technology in the selection of beneficiaries under PMAY gramin after hundred percent
geo tagging of beneficiaries before their old dwelling and for reporting progress of construction with latitude
details as an efficient tool.
Dhurjati mukherjee in his article’ right thrust on rural revamping’ put forward the opinion that the scheme such
as PMAY which gives emphasis for affordable housing have a positive impact not only in core construction sectors
but also in the lending business of banks and non- banking financial institutions as well as credit take off which is
the need of the hour.
P.anath conducted a study on housing for poor and the impact of IAY in rural India in 2017, pointed out that
PMAY-G is a flagship scheme of the ministry of rural development to provide houses to the rural poor. Under
PMAY, it is proposed to build 2 crore houses for urban poor including economically weaker sections and low
income groups in urban areas by the year 2022 through a financial assistance of two trillion from central
government. According to him PMAY also provides for income generation.

25
 1. CHAPTRE-3
2. SOCIO-ECONOMIC PROFILE OF KHAJURIPADA
Khajuripada block of kandhamal district has total population of 42,560 as per the census 2011. Out of which
21,174 are males. In 2011 there were total 10,551 families residing in khajuripada block. The average sex ratio of
khajuripada block is 1,010. As per census 2011,major population of khajuripada block lives in urban areas. The
average literacy rate in urban area is 72.4% and the sex ratio of khajuripada block is 1,010. The population of
children of age 0-6 years in khajuripada block is 5106 which is 12% of the total population. There are 2624 male
children and 2482 female children between the age 0-6 years. Thus as per the census 2011 the child sex ratio of
khajuripada block is 946 which is less than average sex ratio [ 1,010] of khajuripada block. The total literacy rate
of khajuripadsa block is 72.44%. the male literacy rate is 75.91% and the female literacy rate is 51.7% in
khajuripada block.
Population- 42,560
Families- 10,551
Literacy- 72.44%
Sex ratio- 1,010
Khajuripada block data-
As per the population census 2011 data, following are some quick facts about khajuripada block.
total male female
Children ( age 0-6 ) 5,106 2,624 2,482
Literacy 72.44% 75.91% 51.75
Scheduled caste 14,214 7,040 7,174
Scheduled tribe 20,188 10,022 10,166
Illiterate 15,430 5,101 10,329
CASTE-WISE POPULATION- KHAJURIPADA BLOCK-
Schedule caste(sc) constitutes 33.4% while schedule tribe (st) were 47.4% of total population in khajuripada block
of.
total male female
Schedcule caste 14, 214 7,040 7,174
Schedule tribe 20,188 10,022 10,166
Religion-wise population- khajuripadsa block-
Religion Total Male female
Hindu 42,252(99.28%) 21,041 21,211
Muslim 92(0.22%) 40 52
Christian 136(0.32%) 52 84
Sikh 5(0.01%) 2 3
Buddhist 5(0.01%) 1 4
Jain 2(0%) 1 1
Other religion 1(0%) 1 0
No religion specified 67(0.16%) 36 31
Literacy rate- khajuripada block
Average literacy rate of khajuripada block in 2011 were 72.44% in which, male and female literacy were 86.65%
and 58.49% respectively. Total literate in khajuripada block were 27,130 of which male and female were 16,073
and 11,057 respectively.
Sex ratio- khajuripada block-
The sex ratio of khajuripada block is 1,010 thus for every 1000 men there were 1,010 females in khajuripada
block. Also as per census 2011, the child sex ratio was 946 which is less than average sex ratio(1,010) of
khajuripada block.
Child population – khajuripada block

26
 According to census 2011, there were 5,106 children between age 0 to 6 years in khajuripada block. Out of which
5,106 were male while 5,106 were female.
Urban/rural population – khajuripada block
As per census 2011, there are total 0 families under khajuripada block living in urban areas while 0 families are
living within rural areas. Thus around 0% of total population of khajuripada block lives in urban areas while 100%
lives under rural areas. Population of children (0-6 years) in urban region is 0 while that in rural region is 5,106.
total urban rural
Population 42,560 0 42,560
Children(0-6 years) 5,106 0 5,106
Schedule caste 14,214 0 14,214
Schedule tribe 20,188 0 20,188
Literacy 72.44% - 72.44%
Sex ratio 1,010 - 1,010

• Educational status
• Primary school-179
• Upper primary-33
• High school-11
• +2 college-01
• +3 college-00
• Adult literacy center-00
• Housing
• Total number of household-14178
• Average household size-04
• Health status
• Medical & hospital-01
• Dispensaries-03
• Health centres-04
• Sub centres-12
• Maternity centre, child welfare centre-01
• Community health worker-00
• No. of doctors-12
• AYUSH infrastructures( homeopathic dispensaries)- 02
• AYUSH infrastructures ( ayurvedic dispensaries)-04
• Drinking water facility
• Tap water-03
• Tank water-58
• Well water-189
• Tube well-02
• Infrastructure-
• No. of electrified villages-25
• No. of unelectrified villages-230
• No. Of villages having solar light-00
• Post office-27
• Sports club-01
• Stadium-00
• No. of banks-02

27
• No of credit society-03
• No. of AWCs-129
• Veterinary institutions
• No. of vet. Hospitals and dispensaries-02
• No. of V.A.S and additional V.A.S-02
• Social security programmes
• No. of BPL FAMILIES-15272
• PENSION SCHEMES
• MBPY-4219
• IGNOAP-479
• IGNDP-NA
• IGNWP-NA
• NFBS-NA
• BSY-45
• SGSY
• No. of beneficiaries covered-359
• MGNREGA
• No. of job cards issued-21149
• No. of beneficiaries provided employment-92935
• No. of households provided employment-2902
• No. of man days generated- 92935
• Work profile of khajuripada- in khajuripada block out of total population 19,683 were engaged in work activities.
37.4% of workers describe their work as main work ( employment or earning more than 6 months) while 62.6%
were involved in marginal activity providing livelihood for less than 6 months. Of 19,683 workers engaged in main
work, 2,987 were cultivators ( owners or co-owner ) while 1,560 were agricultural labourer.
total male female
Main workers 7,357 5,764 1,593
Cultivators 2,987 2,531 456
Agriculture labourer 1,560 1,047 513
Household industries 109 98 11
Other workers 2,701 2,088 613
Marginal workers 12,326 5,613 6,713
Non working 22,877 9,797 13,080

28
 • CHAPTER-4
• OBJECTIVES OF THE STUDY & METHODOLOGIES
• Statement of the problem
• Housing is one of the important basic requirements of human survival. For a shelter less person, possession of a
house brings about a profound change in his existence, endowing him an identity, thus integrating him with his
immediate social milieu. The government has implemented several schemes. PMGY-G, BPGY, NSPGY are some of
the important schemes by the state government of odisha. It helps in the improvement of socio-economic
condition of the people who lies below poverty line. It is providing financial assistance to the rural poor living
below poverty line for construction of pucca house and it leads to the rural development in India. through this
study we concentrates on the various procedures that are involved in the implementation of this particular
scheme and the impact of this on common people by analyzing the socio- economic characteristics of
beneficiaries in a block panchayath called khajuripada.
• Research and methodology-
• The purpose of conducting this project was to study and evaluate the various schemes implemented by DRDA
and to see that whether the schemes really benefited the rural people or the backward class people and if the
DRDA is functioning according to the guidelines of the government. In order to carry out the research, a separate
interview schedule carried out to collect primary data from the government officials. Questionnaire was also used
to collect details from the beneficiaries of the targeted block panchayath.
• Relevance of the study-
• The newly PMAY-G,BPGY,NSPGY schemes are mainly aim to provide provisions of housing to the rural households
especially to the helpless women, old age people, persons with disabilities, and those who belongs to the
backward caste as well as economically weaker sections. But it is observed that, in reality these preferences are
not there. There are loopholes in the selection of beneficiaries. Moreover this scheme is mainly based on the
2011 socio economic caste census. This also plays a major role in the ignorance of those who really deserves it.
When we look into the yearly budget, we can see that the allocation of funds for this scheme is increasing and at
the same time the number of houses that are constructed under this scheme is decreasing. This necessitates a
study in this area.
• Objectives of the study-
• To study and evaluate the various schemes of drda in khajuripada block
• To study whether the schemes provided by the government are really benefiting the people.
• To study the awarerness among every beneficiaries.
• To study the guidelines and procedures of rural housing schemes such as PMAYG,BPGY,NSPGY.
• To analysis the performance of PMAY-G, BPGY, NSPGY SCHMES.
• To evaluate the role of PMAY-G, BPGY, NSPGY schemes towards rural development.
• To assess the policy suggestions to the policy makers.
• To analyse the factors that are influencing in the selection of beneficiaries under this schemes in the targeted
block panchayath.
• To analyse the progress of PMAY-G, BPGY, NSPGY in the past years.
• Methodological assumptions and limitations:
• Study is concentrated on DRDA and evaluation of schemes.
• The study is conducted purposely to see that the people have really benefited from these schemes
• Data collected and analysed is from 2016-17 to 2020-21.
• This study is mainly focused on socio economic backward rural poor people.
• This study is conducted to see the upliftment of the poor people.

29
Block wise progress during 2021-22 (against incomplete houses of all fy)
S block 2016-17 2017-18 2018-19 2019- 2020- TOTAL %
I 20 21
n
o
PMAY BPGY PMAY BPGY NSPG PMAY BPGY TITLI PMAY PMAY ta A g
-G -G Y -G -G -G rg c a
T A T A T A T A T A T A T A T A T A T A et h. p
A C A C A C A C A C A C A C A C A C A C
R H R H R. H R H R H R H R H R H R H. R H
. . . . . . . . . . . . . . . . . .
1 ADASI 5 5 6 6 6 6 2 2 0 0 2 2 5 4 0 0 9 9 3 3 2 2 3 9
PADA 6 6 6 6 8 7 8 7 6 6 8.
4 1 8
6
2 ARAP 5 5 9 9 8 8 3 3 2 2 2 2 2 2 0 0 1 9 0 0 2 2 7 9
AJU 6 4 8 5 4 4 0 8 8 7 7.
0 4 7 5
4
3 BALA 5 5 1 1 9 8 2 2 0 0 2 2 2 2 0 0 1 1 5 5 3 2 6 9
SAKU 8 7 0 0 0 9 9 9 0 0 0 9 8.
MPA 9 5 5 9 0
3
4 BILLA 4 4 5 4 7 6 2 2 0 0 8 6 1 1 0 0 2 1 0 0 1 1 2 8
BADI 8 7 1 6 4 3 5 3 0 7.
9 9 4
2
5 DALA 7 7 6 6 1 1 1 1 6 6 2 2 2 2 0 0 4 4 0 0 3 3 9 9
PADA 7 4 6 6 6 5 8 7 3 2 7.
8 4 4 5 3
1
6 DUTI 5 4 8 7 1 1 0 0 1 1 2 2 1 0 0 0 1 1 0 0 2 2 1 9
MEN 5 9 1 1 8 5 3 3 2 0 4 3.
DI 6 3 2 8 6
9
7 DUTI 4 4 5 5 3 3 2 2 0 0 1 8 3 3 0 0 1 1 0 0 1 1 3 9
PADA 3 3 2 1 0 1 1 0 0 7.
6 3 1
7
8 GUDA 2 2 8 8 5 5 0 0 2 2 8 7 2 2 0 0 2 2 0 0 1 1 6 9
RI 5 4 4 1 5 4 2 1 5.
4 8 1
6
9 KHAJ 9 8 1 1 1 1 4 4 9 9 2 2 4 4 1 1 1 9 1 1 3 3 1 9
URIP 0 8 1 0 1 1 9 8 0 7 7 5 3 6.
ADA 8 6 4 1 8 5
0
1 NUA 5 5 7 6 8 8 4 4 1 1 3 3 6 5 0 0 1 1 1 1 3 3 9 9
0 GAM 5 3 9 9 1 1 3 3 4 4 5 4 7.
9 4 5 6 4
6
1 PIRKU 3 2 8 8 2 2 1 1 0 0 8 7 2 2 0 0 4 4 0 0 8 7 4 9
1 DI 0 7 9 9 2 8 5.
1

30
 2
1 SUDR 2 2 4 3 3 3 1 1 0 0 6 5 0 0 0 0 3 2 1 1 7 6 4 9
2 EJU 5 5 2 1 2 8 4.
4
4
1 SUDR 5 5 7 5 9 9 0 0 0 0 3 3 5 5 0 0 1 1 0 0 3 3 1 9
3 UKU 8 7 4 0 1 0 2 1 1 0 4 5.
MPA 0 3 5 1 5
4 6
4
1 TITRA 3 3 0 0 5 5 0 0 0 0 2 2 0 0 0 0 3 8 4 4 1 1 4 9
4 PANG 9 7 6 6 2 2 6 0 5 5 7.
A 3 7 3 4
5
TOTAL 7 6 9 8 1 1 2 2 3 3 2 2 3 3 1 1 8 1 1 3 3 1 9
1 9 4 7 1 0 2 2 1 1 9 7 5 2 4 5 5 1 0 6 6.
5 1 0 7 0 6 4 5 3 3
3 6 0 4 2
6

Series 1
3
Series 2
Series 3
2

0
Category 1 Category 2 Category 3 Category 4

This table contains the villages under khajuripada block which represent progress of distributing houses under
various schemes such as PMAY, BPGY, and NSPGY from 2016-17 to 2020-21. From 2016-17 to 2029-21 target for
providing house is 3150 and achievement of complete the houses is 3034 as we can see in this table, each passing
year houses provided under PMAY-G,BPGU,NSPGY are increased, the target of houses increased and also the
achievement of complete of houses are also increased if we compare these years from 2016-17 to 2020-21, in the
year 2017-18 under the scheme of PMAY-G the houses target and achieved have increased significantly compare
to others in 2017-18 houses those are targeted and achieved are 1103 and 1076 which is more than all the
remaining years although gap of house to achieve increased but not as fast or rapidly. The gap of houses from
2016-17 to 2020-21 are116 and the overall percentage of achievement is 96.32%, which is remarkably good. the
effort of providing target houses and achieved houses increase and trying to match with each other so that the
beneficiary will get his house and poor people will be benefited, if the targeted houses and achieved houses
remain equal then there will not be any gap left, and each beneficiary who are eligible for getting rural house
under these schemes will get benefit. In 2018-19 when titli came one house is targeted and also gets achieved.
The beneficiary of that hose and her information is on below
• Beneficiary name-manjula behera
31
• Village-khajuripada
• Panchayat-khajuripada
• Block- khajuripada
• Category-sc
• District –kandhamal
• Is pwd-no
• Mapping without vendor
• State- odisha
• Father/husband- susanta behera
• Registration id- ORT2408025000720

32
 Panchayat
#S No Name target complete Incomplete
1 BILABADI 159 139 20
2 SUDRUKUMPA 315 301 14
3 DUTIMENDI 222 208 14
4 KHAJURIPADA 371 358 13
5 NUAGAN 355 346 9
6 DALAPADA 334 325 9
7 ARAPAJU 284 277 7
8 BALASAKUMPA 305 299 6
9 GUDARI 124 118 6
10 TITRAPANGA 157 153 4
11 PIRIKUDI 82 78 4
12 SUDREJU 72 68 4
13 ADASIPADA 264 261 3
14 DUTIPADA 106 103 3
Total 3150 3034 116
This table and chart contain all the 14 panchayats that come under khajuripada which show 3150 houses are
targeted and 3034 houses are completed or achieved and remaining 116 houses are in completed. Blue colour
represents the amount of houses are targeted, the red shows the houses those are completed and the green
shows incomplete houses.

400
350
300
250
200
150
100 Series1
50 Series2
0 Series3
SUDREJU
ARAPAJU

DUTIPADA
GUDARI

PIRIKUDI
SUDRUKUMPA

NUAGAN
DALAPADA

ADASIPADA
BILABADI

KHAJURIPADA
DUTIMENDI

TITRAPANGA
BALASAKUMPA

1 2 3 4 5 6 7 8 9 10 11 12 13 14

33
S PANC F VILLA REG BENEF FATHE MOT CAT PRI SC AM INST 1ST HOU INSP
I HAYA Y GE D. ICIARY R/HUS HER EG ORI HE OU ALL INST SE ECTI
N T NAME NO. BAND NAM ORY TY ME NT MEN ALL STA ON
O E CO REL T MEN TUS DAT
. DE EAS T E
ED DATE
1 ADAS 2 GHOD OR3 SANJA ANIRU KOUS OT 51 P 130 4 7/10 CO 11-
IPAD 0 APATH 832 Y DHA ALYA HER M 000 /202 MPL 15-
A 2 AR 541 BEHE BEHER BEHE AY 0 ETE 202
0- RA A RA G D 0
2
1
2 ADAS 2 GHOD OR3 SANJA PANCH URMI OT 56 P 130 4 7/10 CO 3/11
IPAD 0 APATH 827 Y ANAN LA HER M 000 /202 MPL /202
A 2 AR 816 KUMA BARIK BARI AY 0 ETE 0
0- R K G D
2 BARIK
1
3 ADAS 2 GHOD OR3 SHREE UDAYA KOUS OT 66 P 130 4 7/10 CO 11-
IPAD 0 APATH 838 CHAN PRADH ALYA HER M 000 /202 MPL 19-
A 2 AR 649 DRA AN PRAD AY 0 ETE 202
0- PRAD HAN G D 0
2 HAN
1
4 BALA 2 BALAS OR3 DULA PADM PRAB OT 29 P 100 3 7/10 CO 11/2
SAKU 0 AKUM 823 BHA ANABH ATI HER M 000 /202 MPL /202
MPA 2 PA 180 DAS DAS DAS AY 0 ETE 1
0- G D
2
1
5 BALA 2 BALAS OR3 LEMB BATIA SAJA OT 59 P 100 3 4/9/ CO 4/12
SAKU 0 AKUM 833 UDHA BINDH NA HER M 000 2020 MPL /202
MPA 2 PA 488 R ANI BIND AY ETE 0
0- BIND HANI G D
2 HANI
1
6 BALA 2 BALAS OR3 PRAK NARAY TAPA OT 60 P 130 4 7/10 CO 01-
SAKU 0 AKUM 833 ASH AN SWIN HER M 000 /202 MPL 14-
MPA 2 PA 522 DALA DALAB I AY 0 ETE 202
0- BEHE EHERA DALA G D 1
2 RA BEHE
1 RA
7 BALA 2 BALAS OR3 ARTAT LATE KUND OT 11 P 130 4 9/10 CO 11-
SAKU 0 AKUM 840 RANA BISHN A HER 1 M 000 /202 MPL 29-
MPA 2 PA 083 DALBE U DALA AY 0 ETE 202
0- HERA DALBE BEHE G D 0
2 HERA RA
1
8 BALA 2 BALAS OR3 DASA LATE KUND OT 11 P 100 3 9/10 CO 12-
SAKU 0 AKUM 840 RATH BISHN A HER 2 M 000 /202 MPL 15-
MPA 2 PA 094 A U DALA AY 0 ETE 202
0- DALBE DALBE BEHE G D 0
2 HERA HERA RA
1

34
9 KHAJ 2 KHAJU OR3 DAMB BALUN KETA OT 10 P 130 4 9-25- CO 12-
URIP 0 RIPAD 803 URUD KI KI HER 7 M 000 2020 MPL 14-
ADA 2 A 978 HAR PRADH PRAD AY ETE 202
0- PRAD AN HAN G D 0
2 HAN
1
1 NUA 2 KHALI OR3 SUSHI SHUKA PUI OT 10 P 4 7/10 CO 11-
0 GAA 0 BEREN 836 LA DEB BHOI HER 6 M 130 /202 MPL 18-
M 2 A 186 BHOI BAGAR AY 000 0 ETE 202
0- TY G D 0
2
1
1 SUDR 2 BHETA OR3 SHAR NILAKA SUNA OT 34 P 130 4 10/2 CO 1/6/
1 EJU 0 KHOL 854 AT NTHA MATI HER M 000 /202 MPL 202
2 222 MUD MUDU MUD AY 1 ETE 1
0- ULI LI ULII G D
2
1
1 TITRA 2 DHAR OR3 KUNT SRIPAT RANG OT 5 P 130 4 7/10 CO 11/1
2 PANG 0 ANIPO 802 ALA I ABAT HER M 000 /202 MPL 2/20
A 2 NKAL 432 BAGH BAGAR I AY 0 ETE 20
0- TI BAGA G D
2 RTI
1
1 TITRA 2 BARHI OR3 ISWA JALAN URMI OT 70 P 130 4 9/10 CO 5/2/
3 PANG 0 AGUD 833 R DHAR LA HER M 000 /202 MPL 202
A 2 A 698 KUDEI KUDEI KUDE AY 0 ETE 1
0- I G D
2
1
1 TITRA 2 BHUK OR3 BIREN RAMN JEMA OT 10 P 130 4 9/10 CO 11-
4 PANG 0 UTAKA 839 DRA ATH DALA HER 2 M 000 /202 MPL 19-
A 2 NALI 685 DALC DALCH CHHA AY 0 ETE 202
0- HHAT HATRA TRA G D 0
2 RA
1
1 TITRA 2 BHUK OR3 HARA BOUKU MAY OT 10 P 130 4 9/10 CO 11-
5 PANG 0 UTAKA 839 DALC NTHA ABAT HER 6 M 000 /202 MPL 19-
A 2 NALI 748 HHAT DALCH I AY 0 ETE 202
0- RA HATRA DALA G D 0
2 CHAT
1 RA
1 ADAS 2 GABAS OR3 GOLA DAMA JAMB ST 25 BP 130 4 11/0 CO 1/7/
6 IPAD 0 ORU 818 K BEHER UBAT GY 000 3/20 MPL 202
A 2 435 BEHE A I 20 ETE 0
0- RA BEHE D
2 RA
1
1 ADAS 2 BADA OR3 SRI SRI SRIM SC 55 NS 130 4 11/0 CO 14/9
7 IPAD 0 BHUIN 832 BANA SUBAS ATI PG 000 6/20 MPL /202
A 2 643 MALI SAHAN KAM Y 20 ETE 0
0- SAHA I ALA D
2 NI SAHA
1 NI

35
 6

Series 1
3
Series 2
Series 3
2

0
Category 1 Category 2 Category 3 Category 4

This table contains all the beneficiaries of various panchayats of khajuripada block who have got their amount to
build houses under various schemes. In this table we can find out that most beneficiaries have got their house
under pmgy-g scheme, although one beneficiary got the house under bpgy and another one has got under nspgy
scheme, but mostly beneficiaries got their house under pmay-g scheme. Almost all beneficiaries got all the 4th
installment in time, some are got 3rd installment, and they will get the final installment in near future. They have
their valid registration including their father and mother details. All the category including sc, st, other have got
their installments. Most beneficiaries got their stipulated amount 1, 30,000 for build their houses, some are got
the amount of just 100000, and in the next installment they will get the rest amount. The inspection date of
verification of eligibility criteria also mentioned in it. The inspection date proves the legality and eligibility of that
particular candidate of his claim for house. If serious effort were not taken in time then the process will remain in
roof cast, plinth, lintel level or just house sanctioned.

36
 Eligible( 4 month
#SNo Panchayat Name paid Gap
& 6 month)
1 ARAPAJU 98 94 4
2 BALASAKUMPA 158 154 4
3 DALAPADA 114 110 4
4 KHAJURIPADA 144 141 3
5 PIRKUDI 32 29 3
6 SUDRUKUMPA 144 141 3
7 Titrapanga 92 90 2
8 ADASIPADA 163 162 1
9 DUTIMENDI 60 59 1
10 GUDARI 51 50 1
11 BILLABADI 26 26 0
12 DUTIPADA 18 18 0
13 NUAGAM 194 194 0
14 SUDREJU 28 28 0
Total 1322 1296 26
This chart and table contain all the 14 panchayats under khajuripada that show 1322 beneficiaries are eligible for
getting their incentives in total of 4 & 6 months both combine and 1296 beneficiaries are paid and 26 are
remained.

250

200

150
Eligible( 4 month & 6
month)
100 paid

50

0
BALASAKUMPA

SUDRUKUMPA

ADASIPADA

DUTIPADA
PIRKUDI

DUTIMENDI
DALAPADA

KHAJURIPADA

GUDARI
ARAPAJU

Titrapanga

BILLABADI

SUDREJU
NUAGAM

1 2 3 4 5 6 7 8 9 10 11 12 13 14

37
SI Grampancha ELIGIBLE PAID
n yat 4 6 TOTA SYSTEM PAID MANUALLY PAID GA
o MONT MONT L P
H HS 4 6 TOTA 4 6 TOTA Achiev
MONT MONT L MONT MONT L ed
H H H H
ADASIPADA 100 63 163 71 48 119 28 15 43 162 1
ARAPAJU 44 54 98 29 34 63 13 18 31 94 4
BALASAKUM 62 96 158 49 80 129 10 15 25 154 4
PA
BILLABADI 13 15 28 12 12 24 0 2 2 26 2
DALAPADA 44 70 114 34 46 80 10 20 30 110 4

DUTIMENDI 21 39 60 11 28 39 10 10 20 59 1
DUTIPADA 9 9 18 4 9 13 5 0 5 18 0
GUDARI 25 26 51 19 24 43 6 1 7 50 1
KHAJURIPAD 59 85 144 48 73 121 10 10 20 141 3
A
NUAGAAN 132 62 194 109 45 154 23 17 40 194 0
PIRKUDI 8 21 29 6 14 20 2 7 9 29 0
SUDREJU 13 16 29 10 14 24 3 1 4 28 1
SUDRUKUMP 68 76 144 54 67 121 12 8 20 141 3
A
TITRAPANGA 63 29 92 36 28 64 25 1 26 90 2
661 661 1322 492 522 1014 157 125 282 1296 26

This table contains all 14 gram panchayats those are belong to the khajuripada block. This table shows total 1322
beneficiaries are eligible for getting incentives of both 4 month & 6 month, through system paid total 1014
beneficiaries are paid and through manually paid total 282 beneficiaries are paid. 1322 beneficiaries are targeted
but 1296 beneficiaries are achieved. 26 beneficiaries are left for eligibility.

38
SI block PMAY-G BPGY NSPGY TOTAL
n 1ST 2N 3R 4TH 1S 2N 3R 4T 1S 2N 3R 4T 1ST 2N 3RD 4TH
o D D T D D H T D D H D
1 ADASIPADA 251 251 251 247 13 13 13 11 0 0 0 0 264 264 264 258
2 ARAPAJU 267 267 264 248 14 14 14 14 2 2 2 2 283 283 280 264
3 BALASAKU 291 290 288 271 14 14 14 14 0 0 0 0 305 304 302 285
MPA
4 BILLABADI 151 142 135 124 8 7 7 7 0 0 0 0 159 149 142 131
5 DALAPADA 318 317 313 296 9 9 9 9 6 6 6 6 333 332 328 311
6 DUTIMENDI 211 206 202 194 9 7 7 7 1 1 1 1 221 214 210 202
7 DUTIPADA 96 95 95 91 10 10 10 9 0 0 0 0 106 105 105 100
8 GUDARI 112 110 108 102 10 10 10 10 2 2 2 2 124 122 120 114
9 KHAJURIPA 340 339 334 323 19 18 18 18 9 9 9 9 368 366 361 350
DA
1 NUAGAAN 326 326 325 309 17 17 16 15 11 11 11 11 354 354 352 335
0
1 PIRKUDI 69 68 67 66 11 11 11 9 0 0 0 0 80 79 78 75
1
1 SUDREJU 67 66 65 62 5 5 5 4 0 0 0 0 72 71 70 66
2
1 SUDRUKUM 303 300 299 289 12 11 10 10 0 0 0 0 315 311 309 299
3 PA
1 TITRAPANG 156 156 155 151 0 0 0 0 0 0 0 0 156 156 155 151
4 A
TOTAL 295 293 290 277 15 14 14 13 31 31 31 31 314 311 307 294
8 3 1 3 1 6 4 7 0 0 6 1

4.5

3.5

3 Series 1
2.5 Series 2

2 Series 3

1.5

0.5

0
Category 1 Category 2 Category 3 Category 4

39
 `

This table contains the entire installment to the beneficiaries provided by PMAY-G, BPGY, and NSPGY. The 1st
installment combine all the schemes and also all the 14 panchayats to the no. of beneficiaries is 3140,in the
same way the 2nd installment to the no. of beneficiaries is 3110,3rd installment to the no. of beneficiaries is 3076
and 4th installment to the no. of beneficiaries is 2941

40
S PANCH TOTAL PHYSICAL HOUSE STATUS IDENTIFIED
L AYAT INCOM DEAT REFU MIG MIG HAVI BUIL LAN CONST MAS STU IN TO
N PLETE H NDE RATE RATE NG T D RUCTIN ON CK PRO TA
O D WITH D D D PUC HOU DIS G OVER TOO UP GRES L
HOUSE OUT PAID SINC SINC CA SE PUT GOVT. K FO S
SUCC AMO E E HOU WIT E LAND ADV R
ESSO UNT MOR LESS SE H ANC MO
R E THA AND ASBE E RE
THA N1 INELI STOS AND TH
N1 YEAR GIBL ROO FLED AN
YEAR E FING AW ON
1 AY E
MO
NT
H
1 ADASIP 3 0 0 1 1 0 0 0 0 0 1 0 3
ADA
2 ARAPAJ 7 1 0 1 0 0 1 0 0 0 3 1 7
U
3 BALASA 6 0 0 0 2 0 0 0 0 0 4 0 6
KUMPA
4 BILLAB 20 2 0 3 1 0 0 0 0 0 6 8 20
ADI
5 DALAP 9 1 0 1 0 0 1 0 0 1 5 0 9
ADA
6 DUTIM 14 1 0 0 0 0 0 2 0 0 8 3 14
ENDI
7 DUTIPA 3 0 0 0 0 0 0 1 0 0 1 1 3
DA
8 GUDAR 6 0 0 0 0 0 0 2 0 0 4 0 6
I
9 KHAJU 13 2 0 2 0 0 0 2 1 0 2 4 13
RIPADA
1 NUAGA 9 0 0 1 0 0 0 0 0 0 5 3 9
0 AN
1 PIRKUD 4 1 0 0 1 0 0 0 0 0 2 0 4
1 I
1 SUDREJ 4 0 0 0 0 0 0 0 0 0 4 0 4
2 U
1 SUDRU 14 0 0 0 1 0 0 0 0 0 13 0 14
3 KUMPA
1 TITRAP 4 0 0 0 0 0 0 0 0 0 4 0 4
4 ANGA
TOTAL 116 8 0 9 6 0 2 7 1 1 62 20 11
6

41
 6

4
Series 1
3 Series 2
Series 3
2

0
Category 1 Category 2 Category 3 Category 4

This table contains the total no. of incomplete houses and their reasons of all the 14 panchayats under
khajuripada block. The tables shows total 116 no. of houses are incompleted.the reasons are as follows
1) death without successor-those beneficiaries who are dead now but they don’t have successor for claim
the house
2) refunded paid amount- those beneficiaries who refunded their paid amount to the authority
3) Migrated since more than 1 year- those beneficiaries who are migrated since more than 1 year.
4) migrated since less than 1 year- those beneficiaries who are migrated less than 1 year
5) Having pucca house and in eligible- those beneficiaries who have already having pucca house and applied
for new house, they are ineligible.
6) Built house with asbestos roofing- those beneficiaries having asbestos roof and apply for pucca houe.
They are definitely ineligible candidates.
7) Land dispute- those beneficiaries who have built their houses on another place or built houses on
disputed land.
8) Constructing over govt. land- those beneficiaries built their houses on govt. land are ineligible for claiming
house.
9) Mason took advance and fled away- those beneficiaries who take incentives or installments in advance
and did not make their houses and ran away.
10) Stuck for more than one month- if the work does not progress and if the house is incomplete for more
than a stipulated time are ineligible.
• These are some of the reasons for incomplete the house. Right now there are no one having pucca house and
ineligible and refunded paid amount. 20 houses are in progress for complete.

42
S NAM TA NAM NAM DESI NO. BATCH NO. R N NO NO. OF TO HOU PAY RE
I E OF RG E OF E OF GNAT OF (START OF P O . HOUSE TA SES ME MA
N BLOC ET GP SUPE ION BA ED- TRA L N OF S L COM NT RKS
O K OF RVIS TC END) INE R M TAGGE NO PLET INIT
. TH OR HE DATES E P AS D/MAS . ED IAT
E OFFI S PRO L ON ON OF ED
BL CER STA VID HO
OC RTE ED US
K D BY ES
PIA TA
GG
ED
1 KHAJ 56 ARAP UME ASSIS 1 16.02. N 30 30 12 0 0
URIP 3 AJU SH TANT 2020 1 O
ADA CH. EXEC TO N
SAH UTIV 31.03. R -
U E 2020 P
OFFIC L
ER,
KHAJ
URIP
ADA
2 KHAJ R. UME ASSIS 1 16.02. 1 N 30 30 16 0 0 -
URIP NUAG SH TANT 2020 O
ADA AON CH. EXEC TO N
SAH UTIV 31.03. R
U E 2020 P
OFFIC L
ER,
KHAJ
URIP
ADA
3 KHAJ SUDR UME ASSIS 1 1 N 30 30 17 0 0 -
URIP UKU SH TANT O
ADA MPA CH. EXEC N
SAH UTIV R
U E P
OFFIC L
ER,
KHAJ
URIP
ADA

This table shows the 45 days mason training report of KHAJURIPADA block, reported date-16.02.2020. the no. of
targeted of the block is 563, mostly 3 gram panchayats having their supervisor and also their designations, total
no. of batch as we can see is 1. Batch started in February 2020 and ended in March 2020. All are non rpl. No of
mason is 30, no. of houses tagged is also 30 total no. of houses tagged is different as per gp. Houses are still not
completed and payment initiated has not been done yet.

43
S TA NAM NA DESI BATC NO. R N N NO. TO HO HO PA SU REM
I NAM RG E OF ME GNA H(STA OF P O O. OF TA USE USE YM PPL ARK
N E OF ET GP OF TION RTED- TRI L N OF HOUS L S S IN EN Y S
O BLOC OF SUP END) NE R M ES N CO CO T OF
. K BL ERVI DATES E P AS TAGG O. MPL MP INI TR
OC SION PR L O ED/M OF ETE LET TIA AIN
K OFFI OVI N ASON HO D E TE IN
CER DE US D G
D ES KIT
BY TA S
PIA GG
ED
1 KHAJ 14 ARAP UME JE 05.02. 1 R - 30 3 TO 4 12 7 NO NO CO
URIP 5 AJU SH 2020 P MPL
ADA CH. TO L 5 ETE
SAH 14.02. D
U 2020
KHAJ UME JE 05.02. 1 R - 30 3 TO 4 12 5 7 NO NO CO
URIP SH 2020 P MPL
ADA CH. TO L ETE
SAH 14.02. D
U 2020
SUD UME JE 05.02. 1 R - 30 3 TO 4 16 8 8 NO NO CO
RUK SH 2020 P MPL
UMP CH. TO L ETE
A SAH 14.02. D
U 2020
16 ARAP UME ASSI 16.02. 1 - N 30 3 TO 4 12 7 5 NO NO ON
3 AJU SH STA 2020 O GOI
CH. NT TO N NG
SAH EXEC 31.03. R
U UTIV 2020 P
E L
OFFI
CER
R. UME ASSI 16.02. 1 - N 30 3 TO 4 16 19 3 NO NO ON
NUA SH STA 2020 O GOI
GAO CH. NT TO N NG
N SAH EXEC 31.03. R
U UTIV 2020 P
E L
OFFI
CER
SUD UME ASSI 16.02. 1 30 3 TO 4 17 13 4 NO NO ON
RUK SH STA 2020 N GOI
UMP CH. NT TO O NG
A SAH EXEC 31.03. - N
U UTIV 2020 R
E P
OFFI L
CER

It is the mason training report of khajuripada block in which a supervision officer and also his designation is
present. The batch starts mainly in February 2020 and ends in March 2020. No. of trainee provided by PIA is 1,

44
 some are RPL and some are non RPL. No. of mason is 30 , no. of houses tagged/mason is 3 to 4 total no. of houses
tagged is different from each other and also houses completed is different because in both these cases the no. of
mason have different target, so as per their ability and practice they can build houses quickly. Payment has not
been initiated and also kits supply of training are not provided. Some projects are completed and some are
ongoing.
• MASON TRAINING-
• Mason training is provided by DRDA under the guidance by government of odisha. This scheme is created for
producing more and more expert masons in rural areas for completing the government rural housing schemes
like PMAY-G, BPGY, and NSPGY. This training is given by block office in that particular panchayat. In this training
the block office will give an amount of 320 rupees for daily wages and also give 100 rupees for mid day meal.
• Aim- the main aim of this training is to create skillful masons it can be male or female for building houses in rural
areas under rural housing scheme of odisha govt.
• Beneficiary- if the interested candidate whether male or female wants to take part with this training must be
above 18 years
• Benefits of this training-
• The duration of this training is 10 days or 45 days.
• This training is conducted generally in panchayat level
• During this training major focus is given on skillful knowledge and subjective knowledge.
• During this training the block office will give 320 rupees for daily wage and also give 100 rupees for mid day meal.
• After training successful candidates who are qualified in test will be given their certificates from the ministry of
skill development department of government of India. They can use this certificate for earning more and
increasing their efficiencies for betterment of their future.
• After the successful training a tool kit will be given by state govt of odisha.
• This tool kit contain all the items, generally a mason or a foreman keeps such as mason trowel set( large &
medium, 1 each) , brick hammer & chisel set, plumb bob, water pipe( 15 feet) , line dory(2 roll), stainless steel
pocket measuring tape 3 meter, tri- square medium size, pencil, note book, kit bag
SI NO ITEM NO SI NO ITEM NO
1 MASON 2 6 STAINLESS 1
TROWEL STEEL
SET( LARGE POCKET
& MEDIUM, MEASURING
1 EACH) TAPE 3
METER
2 BRICK 2 7 TRI-SQUARE 1
HAMMER & MEDIUM
CHISEL SET SIZE
3 PLUMB 2 8 PENCIL 2
BOB
4 WATER 15 FEET 9 NOTE BAG 1
PIPE
5 LINE DORI 2 ROLL 10 KIT BAG 1

45 Days Training Programme-

• The interested candidate who wants to be rural mason must be above 18 years. He/she can join this
training.
• In this training a candidate does not require mason knowledge.
10 days training programme-
• In this training programme the interested candidate male or female must have age above 18 years, so
they can join this training
45
• Assessment- the candidates enrolled will be assessed by the assessment agency affiliated with the CSDCI or DGT
on the basis of assessment criteria. The candidate will need to pass in the minimum assessment criteria of rural
mason QP. Assessment is very critical for the success of whole RPL process. There are possibly three ways
through which a candidate can under go the assessment process.
• Stand alone assessment- candidate approaches the assessment centre on her/his own and gets her/himself
assessed.
• Worksite assessment- assessment of the employees is carried out at the site.
• Assessment at training centre- assessment is carried out at the training centre.
• The guidelines for the assessor to conduct the aqssessment are-
• Assessments have to be conducted in local languages wherever possible.
• The assessment should be carried out in accordance with the assessment criteria.
• Language, communication and expression used in assessment should be understandable and appropriate, to the
candidate.
• Questions based on practical assessment of the skills should be simple, direct and comprehendible.
• In order to assess the proficiency of the subject knowledge the candidate will take test developed by assessment
agency keeping in view the literacy level of the candidate.
• While aseessing the assessment agency will also review the evidence submitted by the candidate, confirm the
identity of the candidate, physical verification of the documentation provided.
• Certification- successfully assessed candidate will be eligible for either “rural mason level 4 “ or partial
qualification-NOS based certification
• Payment under RPL
• Payment under RPL would be in accordance to the common cost norms laid down by MSDE,GOI.
• The training provider shall be paid as per following.
• Rural mason level 4 certification or partial NOS based certification with 3 days orientation 1450-/ per candidate.
• The payment for bridge training to TPs would be done as per cost norms laid down for mason training per hour
cost.
• The trainee shall be paid for the wage compensation during the period of undergoing RPL program as per rate
decided by states.

46
• Need for rural mason training-
In pursuance of the government’s vision to ensure “housing for all by 2022”, the ministry of rural development
(MoRD) has initiated several endeavors to augment the capacity of states in implementing the scheme. One of the
major initiatives in this direction has been towards ensuring skill development of rural masons through a formal
mechanism of training, assessment and certification to improve quality of construction and provide avenues for
career progression.
• Targets for rural mason training-
Target for rural mason training is decided based on the number of houses to be built under PMAY-G in the states.
The state wise target for rural mason training is annexed.
• houses identification for the training-
The house will be constructed by the beneficiary himself/herself under PMAY-G. no contractor should be engaged by
the state in construction of houses. If any case of construction through contractor comes to notice, the ministry of
rural development will have the right to recover the releases made to the state of those PMAYG houses. The house
should also not be constructed by any government department/agency other than where specifically mentioned.
House construction sites for the rural mason training may be identified and prioritized in cases where the beneficiary
is old or infirm or minor or person with disability, and therefore not in the position to get the house constructed on
his own. Such houses shall be taken to be built under the rural mason training program. Simultaneously demo houses
need to be built at block level under rural mason training. Additionally a beneficiary registered himself/herself as a
potential rural mason trainee and interested to get his/her house built under the rural mason training program. The
states should continuously capture the interest of beneficiary in this regard and create a pool of interested
beneficiaries who can be registered for rural mason training program.
• Qualification pack (QP) for rural mason-
Central and state governments have been training people in the fields of masonry, bar bending, shuttering
carpentry and plumbing separately under different schemes/training programs. The existing qualifications and
training have been based on skill sets identified in the exclusively designed for one of the job roles. There is great
demand of trained multi-skilled rural mason who is master of all relevant trades and is in high demand in the
rural areas. The lack of such qualification leads to the development of a multi-skilled qualification pack of rural
mason by ministry of rural development. The process of incorporating competencies required for the job profile
of a rural mason in to the national skill qualifications framework (NSQF) was initiated by MoRD in July 2015.
Subsequently a qualification pack (QP) for rural mason was developed council of India (CSDCI). The QP has been
approved by NSDC and NSQC and has been uploaded on the national qualification register (NQR). The QP of rural
mason serves as a benchmark for imparting standardized training on conventional technologies to rural masons
based on national occupational standards. The rural mason QP has been pegged at level 4 and after successfully
completing the training and passing the assessment, the person will be considered as skilled rural mason. MoRD
is also in the process of development of rural mason qualifications at lower NSQF levels of 2 & 3 who would work
as assistant to rural mason and will eventually grow in the career. The uniqueness about these qualifications is
about multi- skilling the trainees in necessarily relevant trades which is very much needed for rural India. The
training on rural mason qualification pack (QP) is mandatory for rural mason training under the PMAY-G scheme.
The final assessment would also done on rural mason QP.
• Curriculum-
• Training would be imparted as per rural mason QP. The curriculum for the rural mason qualifications packs (QPs),
developed with support from ILO shall be used. Rural mason training is primarily onsite training has to be
delivered on the site during construction of the house. However theoretical concepts may be taught. A tentative
timeline for the rural mason training (day wise schedule) has been prepared and may be used for delivering the
rural mason training. The tentative timeline in suggestive in nature and may vary with the technology, number of
trainees and other variables.
• preparation for rural mason training-

47
• the states will facilitate following activities to expedite the training;
• Selection of houses/beneficiaries under rural mason training.
• Identity, screen and nominate semi skilled persons in the rural areas who are willing to undergo training at the
village level.
• Linking the trainee rural masons with the beneficiary houses and formation of batches.
• Identify and engage training providers as per prescribed guidelines for conducting the training of rural masons.
• Availability of unskilled labour/helper at the site.
• Timely payment to the person engaged in training and construction of houses.
• Arrangements for assessment and certification of the trained rural masons through an assessment agency
accredited to the CSDCI/DGT on completion of the training.
• Provide infrastructure to CSDCI/DGT for conducting training of trainers and for assessors.
• Provide list of certified rural masons available in the blocks to the beneficiaries.
• Robust monitoring and implementation of the program.
• The following training materials have been developed in collaboration with ILO.
• Five handbooks for trainers, these handbooks contain theoretical knowledge of concepts, key elements of
practice and worksheet for guiding field work.
• A handbook for trainees have also been developed which will essentially guide the trainees in the field to follow
the correct practice related to each task.
• Ready reckoned on quality construction of rural houses.( with help of CBRI).
• Screening and counseling of trainees-
• Trainees for rural mason training would be selected from:
• The final list of beneficiary prepared for the houses under PMAY-G framework for implementation of PMAY-G,
• Interested candidates registered for the rural mason training.
• The list of interested candidates & beneficiaries would be provided to the selected training provider for further
counseling of trainees. Counseling of trainees would involve informing them about the process & duration of
training, assessment & certification requirements and any other details about the training. The counseling
process will ensure that the final list of trainees has the potential learning abilities and willingness is undergoing
the rural mason training. The final list of trainees after counseling would be submitted to the state by the training
provider and TP will register these candidates on AwaasSoft.
• Selection of training provider for rural mason training-
The states may select the training provider for undertaking the rural mason training from training providers
affiliated/ accreditated by any one of the below national/ state level organization.
• Training institutions affiliated by NCVT/DGT.
• Training institutions affiliated by CSDCI.
• NSDC approved training providers.
• Training institutions affiliated by any state/central body as per the norms of NQAF at the minimum of NQAF level
2 accreditation.
• State run training institutes affiliated with CSDCI.(auto affiliation)
• The total payment to the TPs would be fixed as per the common norms notification and amendment. A list of
CSDCI, NSDC, DGT affiliated TPs is available on their states may refer to the list while selecting the TPs to
implement the program in the state. The states may select the TPs from the available pool of empanelled TPs by
authorized agencies as mentioned above, so that a good number of TPs are selected to impart the training. The
states need to provide the enabling environment to TPs and Abs. this means partnership with the TPs, giving
them adequate clusters of houses based on the certified trainers and demonstrators , smooth transfer of funds,
automatic revision as per hour payment to the TPs on revision of the common norms.
• Payment to training providers:

48
• While the building materials for the training may be produced by the beneficiary using the PMAY-G assistance for
the house, the cost of training provider as per the uniform cost norms laid out by the ministry skills development
& entrepreneurship, government of India as mentioned above. The common cost norms are inclusive of the cost
of mobilization of trainees, procurement of raw materials, making available training infrastructure and common
tools, provision of training materials to trainees as well as placement of trainees. It is recommended that the
payment may be made to the training providers as per the following schedule:
INSTALLMENT PERCENTAGE OF TOTAL COST OUTPUT PARAMETERS
1 30% After signing the agreement with
state.
2 70% completion of houses and upon
successful certification of
candidates ( per candidate basis)
• State may provide tool kit to the trainees on successful completion of the training and certification. Wage
compensation to the trainees shall be paid at the rates as decided by the states from admin fund.
• Training of trainers-
• CSDCI and DGT are mandated to conduct training of trainers (TOT) for the certification of trainers/lead
trainers/demonstrators. All training providers need to get their trainers certified through CSDCI/DGT by sending
their trainers to the training of trainers (TOT) programme. CSDCI/DGT will publish a calendar of training of
trainers based on which different training providers can nominate their trainers for a selected training program.
The training should cover all the aspect of rural mason QP along with pedagogical skills needed for trainer. Only
CSDCI/DGT certified trainers/lead trainers/demonstrators are eligible to conduct training. States may consider
providing infrastructure to CSDCI/DGT for conducting training of trainers and assessors. State level institutions
like SIRD, etc may be utilized for the same. CSDCI and DGT will empanel institutions in different states for
conducting training of trainers and assessors programs. The list of empanelled institutes and training calendar
would be published on regular basis by CSDCI and DGT. States may nominate their institutions for conducting
ToT. the state nominated institutions will be auto empanelled by CSDCI/DGT for conducting the training of
trainers and assessors.
• Funding-
• As per latest amendments under the common norms, the funding for mason training is revised at the cost of rs.
38.50/- per hour for one trainee. The payment to training provider under rural mason training should be in
compliance with the common norms and funding rates should be revised in accordance to the amendments
approved by the common norms committee. The revision of common norms generally happens in the month of
April every year. A common norms committee chaired by secretary-MSDE is the apex bodies to update and
suitable revise the common norms.
• Fund allocation for rural mason training-
• 20% of the admin fund released to states/UTs shall be exclusively reserved and utilized for rural mason training as
prescribed in the framework for implementation of PMAY-G the funds for rural mason training and certification
would be released by the states under the funds allocated for administering the scheme. Additional funding for
rural mason training would be available under north east states and hilly states,
• Single installment payment for houses under rural mason training-
• The PMAY-G assistance money would be paid in one installment to the beneficiaries whose houses are selected
to be built under rural mason training program. This will ensure that the beneficiaries are able to purchase the
raw materials upfront and there is no delay in construction of houses under the training program. Exception will
be made in awaassoft for payment of assistance in single instatement.
• Assessment and certification of the trainees-
• Assessment & certification would be done through DGT or CSDCI. Assessment shall be conducted by the
CSDCI/DGT empanelled assessment agencies. A detailed assessment criterion is mentioned in the qualification
pack. The assessors of Abs should also have undergone the training of assessors on rural mason QP only
49
 CSDCI/DGT certified assessors are eligible to conduct assessment. Once the training is completed, the training
provider will inform the states and CSDCI/DGT for the readiness of rural mason training batch to undergo the
assessment. A suitable date will be finalized for assessment in consultation with states, CSDCI/DGT and training
provider and accordingly an assessment body would be assigned the work. The respective assessors of AB will
conduct the assessment on the selected date and will submit the results to CSDCI/DGT. Based on the results
submitted, the certification of candidates would be done by the awarding bodies (CSDCI/DGT). The assessment
shall be conducted within 15 days of completion of training. The certification shall also be issued within 10 days
of completion of assessment. A penalty clause may be introduced in the agreement between states and TPs.
• Monitoring-
• Rigorous continuous monitoring system should be designed by the states/UTs to ensure adherence to quality
standards and guidelines of the rural mason training under PMAY-G. States/UTs may take services of third party
agency to undertake continuous monitoring of all the training and their outcomes. The training providers,
assessments, and assessors should be monitored throughout the scheme’s tenure.
• Implementation & monitoring through awaassoft-
• A robust monitoring mechanism has been adopted to monitor performance as well as the process under PMAY-G.
Performance monitoring is done through real time capture of progress under workflow enabled transactional
data in awaassoft. The monitoring of rural mason training will also be monitored through awaassoft. The e-
modules under awaassoft will be developed to capture real time data regarding rural mason training. Following
components would be available at the initial level and would be further designed as per the dynamic need of the
program.
• Earmarking of funds and target setting for rural mason training
• State level-
• District & block level
• Registration of approved TPs.
• Training calendar for trainers and assessors.
• List of certified trainers and assessors.
• Selection of beneficiary houses to be built under rural mason training.
• Registration of candidates for rural mason training.
• Payment of PMAY-G assistance to the beneficiary.
• Training progress & reports generation
• Trainees enrolled
• Batch assigned
• Assessment day
• Undergoing training
• Training completed / ready for assessment.
• Assessment completed
• Certified
• Status of houses
• List of certified rural masons.
• Construction of demo houses at the block level-
• Ministry of rural development, government of India has developed housing typologies for sustainable housing
solutions to rural areas. Housing prototypes have been developed for each housing zones with in state based on
the climatic conditions, disaster risk factors, local construction materials and traditional skills. To promote
adoption of sustainable housing technology by states in PMAY-G houses, it is imperative that demonstration
houses built using such technology are constructed at block level. Therefore it is proposed that financial
arrangement met out form states administrative funds for construction of such houses in the block. The demo
house may be utilized as block PMAYG office. BDO or gram panchayat will identify trainees who are willing to
50
 undergo the training. Selection of site for construction of demo houses on alternate technologies proposed by
mord and states government by BDO.process-
• BDO Identify the site for construction of demo houses (at least) at the block level.
• Gram panchayat or BDO identify persons for training.
• Procurement of materials by BDO.
• State identified TP start conducting training to nominate persons.
• Recognition of prior learning (RPL) –
• Recognition of prior learning (RPL) is a very important function associated with national skills qualification
framework (NSQF). RPL can be defined as “the process of recognizing previous learning, often experimental,
towards gaining a qualification”. RPL is of particular significance in India, especially in the informal sector that
employs more than 90% of the workforce. While there is an urgent need for “skill-based” training for jobs across
the country, the absence of sufficient training avenues prevents the existing workforce to acquire skill training
through formal channels. As a result, most of the skill acquisition takes place through informal channels such as
family occupation; on-the-job training under master craftsman etc, reconciling these issues is at the core of RPL
framework in India. RPL will be particularly beneficial for those masons who have worked for long time but have
no certificate or training for the same. The RPL process will enable them to get certified and also learn missing
elements. This will not only enable the socio- economic mobility of workers, but will also facilitate
professional/educational progression. An “” out comes-based” approach is integral to the RPL that will recognize
skills of workers irrespective of the methods/ inputs utilized. RPL under rural mason training is envisaged where
the masons who have experience of more than 5 years can directly undergo the assessment after bridge training.
All the processes for RPL will remain same as rural mason training except the fact that the training (bridge
training) will not be more than 2-3 weeks. To ensure that the candidates being assessed under RPL are also
oriented to the standardized NSQF levels, QP-NOSs of rural mason that would be followed under RPL will be same
as the one followed under rural mason fresh training.

51
 ▪ CHAPTER-5
▪ SUCCESS STORIES
▪ Name of beneficiary- Dadi Mallick
▪ District- kandhamal
▪ Block- khajuripada
▪ GP- arapaju
▪ Village-deribanka
▪ Scheme-BPGY (2020-21)
▪ UNIT COST- Rs 1,30,000/-
▪ MGNREGA- Rs 16,720/-
▪ Incentive- Rs 20,000-/
▪ IHHL- Rs 12,000/-
▪ Dadi mallick is an ST 75 year’s old man living in a kuchha house with his wife. They have no child. Only the two old
persons lived in a kutcha house. The family is so poor, during the field verification we found that they were lived
like refugees. They did not have sufficient space to live. They lived in one room kuchha house with attached
kitchen. They worried about their safety, because of dilapidated condition of house. They also worried about
their security because they are in a old age and no youth persons are with them. After getting the rural housing
scheme BPGY 2020-21, they are living tension free they also get toilet, ration card, MGNREGA scheme, finally
they live in pucca house.
▪ Name of beneficiary- smt. Shaila pradhan
▪ Reg. no.- OR-08-027-004-008/03634
▪ Village- penabali
▪ GP- arapaju
▪ Block- khajuripada
▪ District- kandhamal
▪ Smt. Shaila pradhan 57 years old, wife of late dasarathi pradhan, belongs to ST family and is included in B.P.L list
of the district. She is an inhabitant along with her family of a village named penabali of arapaju gram panchayat
which is about 8 k.m.s away from the khajuripada block she lives with her children. The family is poor, and lives at
subsistence level without the fulfilling of even the basic needs. Smt shaila pradhan works as a daily labour and it
was her dream to have a pakka house and give a better life to her family. During interaction with her it came to
light that her shelter was a kutcha house. Dependent on the vagaries of the season, either the children were
uncomfortable with moisture and rain dripping into the hut through the roof in the monsoons. During winter
months the family huddled around each other to keep warm and safe from the biting cold. Again at night the
family had to protect itself from insects and mosquitoes. They did not have sufficient space to live if they ever
had guests or relatives coming from outside. Shaila pradhan worried about the safety of her children, about
issues of privacy and security. She felt that if she had adequate shelter, a small pucca house, she could upgrade
her living conditions. In 2020-21, she was given the benefit of the BPGY scheme and was able to construct a pucca
house with a room, a kitchen and a sanitary latrine. The total sum of assistance given to shaila pradhan was Rs 1,
30,000 for house construction and Rs 16,720 for 95 days daily labour charge from MGNREGA. The PMAYG
dwelling was dovetailed with good sanitary facility Rs 12,000 received from the SBM scheme. The house was
registered in smt. Shaila pradhan name and today she feels economically benefited with an enhanced social
status. This house has brought about a profound social change in her existence endowing her with an identity.
The family feels safe, secure, and has privacy. They are staying in the main habitation and cluster of the village
which has a safe and healthy environment. As they have a sanitary latrine facility in the house. Smt. Shaila
pradhan feels proud, satisfied self confident and happy after receiving the benefits for constructing a pucca house
under the BPGY scheme. The scheme is being implemented by the DRDA kandhamal. Her success story also a very
good example of convergence with other schemes.
▪ Name- sitaram digal
52
▪ Village- mahapatrabasa
▪ GP- billabadi
▪ Block-khajuripada
▪ District-kandhamal
▪ Scheme-BPGY (2020-21)
▪ Unit cost- Rs 1,30,000-/
▪ Sitaram digal is 40 years old poor man living in a small village mahapatrabasa in billabadi GP. He was living in a
hut with his wife and 2 children. He fulfilled his daily needs by doing MGNREGA works. He is also doing
agricultural works. He and his wife both are going to labour works for give better life for their two children.
Sitaram always wants to make a pucca house because in the rainy season and winter season his family suffered a
lot. Then he applied for a pucca house in khajuripada block through his GP. In the year 2020-21, he sanctioned a
pucca house under BPGY scheme. Then he and his wife work hard and built a pucca house. This house gave a safe
shelter to his family and he also felt proud to be an owner of a pucca house. By this help of govt. for providing a
safe and happy life for his family.
▪ Kartik rana is a small farmer of village duguda in billabadi GP. This village is 13 kms away from the block head
quarter. Kartik lived in a hut with his wife and two daughters. Because of a small amount of farming land he and
his wife have to do MGNREGA works for meet their needs. Kartika’s wife always told him to make a pucca house
for a safer life for her family but kartik could not make it because of his tiny income. He applied at grama
panchayat office for a pucca house under rural housing scheme. In the mean while kartik got chance to get a
pucca house. Under BPGY scheme he got a house in the year 2020-21. He and his wife work hard and complete
their house within 4 months and got prize of Rs 20000-/ as RH incentive. He also got 95 days in MGNREGA. Kartik
got a dug well and a goat shed in convergence with MGNREGA and a toilet from SBM. Now he lives a happy life
with his family and oblige to govt.
▪ Name- nirasi digal
▪ Village- meru
▪ GP- dalapada
▪ Block- khajuripada
▪ District- kandhamal
▪ Scheme-BPGY(2020-21)
▪ UNIT COST- Rs 1,30,000-/
▪ Nirasi digal is a poor lady. Her husband tukuna digal is a life time sentenced prisoner. Nirasi lived a sorrow full life
with her 3 children. She lived in a kutcha house which is not able to protect her family from seasonal difficulties
of nature. She maintains her family by doing MGNREGA works and other agricultural works. She has a small
homestead land, where she lived in a part and made a kitchen garden on the other part. In the year 2020-21,
nirasi got the work order for make a pucca house under BPGY scheme. Nirasi got Rs 20000, Rs 35000, Rs 45000
and Rs 30000 installment wise and complete her house. She also got Rs 17860(95 man days) from MGNREGA and
Rs 12000 (IHHL) from SBM. In this way nirasi got a complete package (life+ livelihood) from govt and improve her
living standard. Now nirasi is very happy for owing a BPGY pucca house and for this she thanked our odisha govt.
▪ Name- premalata digal
▪ Village-jamujhari
▪ GP- dutipada
▪ Block- khajuripada
▪ District-kandhamal
▪ Scheme-BPGY(2020-21)
▪ Unit cost- 1,30,000-/
▪ Premalata digal is a poor single woman. She is not married. She lived in a kutcha house with her old father
ghasiram. She is a daily laborer. Her house is not able to protect their family from seasonal difficulties. During rain
she has to cover the house with tarpaulin. She always tried to make a pucca house but could not make it. Then
53
 she request the panchayat officials for help her to sanctioned a house under rural housing scheme. By the help of
panchayat officials she got the work order for a pucca house under BPGY scheme in the year 2020-21 premalata
work hard and completed a toilet under swachha bharat mission and got 95 man days under MGNREGA. Now
premalata is living happily and safely with her family. Premalata is thankful to govt for the improvement of her
living condition.
▪ Name- kabiraj digal
▪ Village-urumunda
▪ GP- khajuripada
▪ Block- khajuripada
▪ District- kandhamal
▪ Scheme-BPGY(2020-21)
▪ Unit cost-Rs 1,30,000-/
▪ This is a success story of a daily laborer named kabiraj digal. He lived in a small village urumunda in khajuripada
GP. Kabiraj is lived with his wife and three children. He is living in a small hut. He has only a homestead land and a
small land where he yield vegetable. So he fulfills his daily needs by doing MGNREGA works and sale vegetables
at local market. He cannot even provide a good shelter to his family. He always dreams to build a pucca house but
his economic condition is a big hurdle between his dreams. In the financial year 2020-21 he got the work order to
build a pucca house under BPGY scheme. He tried hard to complete his house soon. Now kabiraj provide a better
and safe shelter to his family. He is very happy with his improvement and thankful to the government.

54
 • CHAPTER-6
• RESULT AND DISCUSSION
• From this study, we can find that most of the beneficiaries, who comes under the list, belong to below poverty
line. So it can be concluded that, this particular schemes gives special attention for the improvement of
economically weaker sections and low income groups.
• Houses are well developed in rural areas under this scheme. As per the research the scheme is implemented
properly in many places in Khajuripada block. Khajuripada have been benefited by this scheme and they started
to develop well than before the housing in rural areas.
• The target that was set by the government the implementation of this scheme has clearly showed there is no
decrease in the housing project but remarkable increase.
• There exists a greater preference for women which implies that, the scheme gives emphasis to women
empowerment.
• Among the beneficiaries, there is a predominance of small family size. So it can be concluded that they can lead a
comfortable life with the given facilities.
• Even though the senior citizen has preference, the number of them among the beneficiaries is slightly low.
• In the previous years it can be seen that a decreasing trend in the number of houses allotted despite an increase
in the allocation fund. The main reason for this is the procedure of implementation of PMAYG on the basis of
socio-economic caste census (2011). Most of the eligible person as per this had already got such benefits through
various other schemes like IAY. Serious efforts are made in now days to provide as many as houses as per govt
guidelines so that beneficiary can get benefit, each and every eligible benefit will get benefit under these
schemes under state govt of odisha.
• Even after serious efforts are made to provide houses to the beneficiaries, there are few beneficiaries who are
not completing their houses after regular persuasion of block functionaries. These rural housing defaulters
beneficiary name list has been published in GP office and prominent places of GP and mike announcement being
conducted continuously of the defaulters name at rural hats and specific village for early completion of houses
the rest beneficiaries who are less in number are willingly defaulters after repeated instruction by field
functionaries. Finally this step has taken by block and subsequently housing completion has improved with some
extend.
• The remain beneficiaries who are not taking interest to complete their houses, many times tagging officers visited
beneficiaries house and approached to complete their houses. However all attempts and approaches turned in
vain. But inspite of constant monitoring and persuasion we found no progress in houses completion. Finally a
symbolic dharana has done in front of beneficiaries houses. BDO khajuripada taken lead this strike. Ultimately,
they undertook to complete the houses before 20th February 2020 and staffs called off the strike. Our motto is to
sensitize the remaining defaulters for early completion especially house sanctioned before 2019-20.
• Tagging of beneficiaries with earlier trained masons available in the village on the date of block level and GP level
sensitization camp. Each village level masons had been tagged to 3-4 beneficiaries of their respective village in
the GP. Monthly review of progress has done for mason as well as beneficiaries at their village and tagged officers
have tried to resolve all issues of the beneficiaries at their door step. This has helped the block to complete the
house in all respect within shortest possible time. Hence similar innovation/strategy will be implemented in larger
scale from the date of issue of work order by maintaining proper data base of all the masons available in the
block.
• PMAYG, BPGY, NSPGY schemes are one of the important housing schemes of the state government to provide
pucca houses to the houseless families in the rural area of the khajuripada block.
• These schemes have greater importance in the development of rural India by providing pucca house to houseless
families.
• On the basis of geographical area, commercial importance, location of the city, the cost of construction of house
differs, with this reason government should sanction amount according to these factors.

55
• These housing schemes provide house to all the economically weaker households of the society like SC, ST etc.
• With this data, can observe that as year passes number of target fixed by government is increasing with this
number of beneficiaries also increasing. It means correlation between these variables.
• These schemes not only provide houses to the houseless families and also provide employment opportunities to
the workless hands to construct house.
• It provides both skilled employment as well as unskilled employment opportunities to the local labor force.
• The allocation of amount to construct house should be based on the price of raw materials.
• Govt should pick out of fake beneficiaries of housing scheme.
• To improve quality of the house and full utilization of resource, government allows participating private sector in
this scheme.
• Beneficiaries of these schemes some time struggling to get financial assistance at correct time because of
negligence of officers and not knowing about process of scheme.
• To maintain correct document and get good quality houses beneficiaries should know about the scheme so
government should promote it.
• Contractors are banned under PMAYG, NSPGY , BPGY in this research we can find out that there is no evidence of
involvement of contractors either directly or in directly
• It was found that meetings of gram sabha palli sabha to plan and discuss PMAYG were held only in a formal
sense, just to comply with legal requirements. There are no manipulations of procedure for fulfillment of the legal
requirements. In this case real concerns of the common villagers are present and participate in the meeting.
Asked about their opinion on the role of gram sabha/palli sabha in such critical matters as the preparation of GP
level plan, formation of vigilance and monitoring committees and beneficiary committee, and conduction of
social audit, some sarpanch said all the common villagers are participated with it ,it shows the village governance.
• The system of payment through banks has been a strategy for separation of payment agency from implementing
agency. This can go a long way in preventing misappropriation of wages. However in some time there are
considerable difficulties with the approach including lack of preparedness among the banks, confusion in record –
keeping and lack of familiarity with the system. Lack of coordination between the block/GP administration and
the banks often creates problems as well. Therefore there is need for establishment of a coordination
mechanism.
• Discussion-
• The houses were properly built as per the result of this research because houses are essential for people to live
and as a government they should provide such basic necessities. So the government implement many schemes
for the housing development such as PMAYG letting rural people live in houses also contribute to the
development of a country and it is very important for a developing country like India. It is important for people of
the country to get house as a basic need to stay. This particular program has contributed for the developmental
process of the country.

56
 ▪ CHAPTER-7
▪ SUGGESTIONS AND RECOMMENDS
• SUGGESTIONS-
• House is the ultimate basic need for survive of human, in india where majority people are poor and homeless
govt. must take this issue seriously.
• Govt. shoul take correct and necessary action for tackle this issue and provide houses to the poor people under
rural housing schemes.
• Govt. must maintain the data and record of all the houseless people by surveying various places in the country.
• The central govt. must consult with the state govt about housing problem of needy people, they must work with
cooperation and coordination and exchange all the data, information , progress of work etc.
• Serious efforts are needed from govt. to all the staff for complete the house building.
• All the equipments such as computer,laptop, scanning machine,biometric machine,finger print etc must provide
to the staff fopr improvement and progress of the housing work
• All the staffs who were involved in this scheme must be technically trained, sufficient staffs should introduce and
appoint in block and panchayat level, so that work will progress efficiently and effectively.
• Transparency and accountability must be maintained in this process for betterment of the poor people and the
real deserve candidate get the benefit.
• Govt. must check credibility and any kind of corruption or delay of work repeatedly.
• Govt must make monitoring committee for checking all the activities in this process
• Govt must allocate sufficient funds and budget for this scheme, govt also must distribute the funds on the basis
of place, location where houseless people are lived.
• Audit of all the funds must happen, control all the activities with systematic manner,maintain clarity and
conviction in this process.
• Govt must give more authority, freedom, autonomy to the agency such as DRDA for better work.
• This is a programme for rual economically backward people , so govt must promote this scheme and must take
appropriate action on it.
• Records must be checked,maintained performance of the govt staff also evaluated by govt. from time to time.
• Merit and eligibility must be maintained by govt officials because this scheme is targeted for socio economically
backward class, so the needy people must take the benefit out of it.
▪ RECOMMENDATIONS-
▪ To create awareness about the people who were unaware about this scheme.
▪ To create social groups for the rural poor to apply this scheme through online or offline as their wish.
▪ The government should take some effective steps to improve the application process

57
 • CHAPTER-8
• CONCLUSION
• By providing house and employment opportunity to the local people, these schemes play very important in the
development of rural areas of the India. Civilized human being cannot leave in the forest area. To him cloth,
bread and shelter are basic requirements of human life. Housing is one of the important basic requirements for
human survival; pucca house gives dignified life to people in the society, with this reason, the present research
work analyzed the role of housing schemes in rural area as a contributor to the rural development. These
schemes provide financial assistance to the poor living below poverty line for construction of a pucca house with
the intention to the development and upliftment of the standard of living of people. There are significant changes
about housing development in rural areas through the proper implementation of all these schemes.

58
 ▪ CHAPTER-9
▪ QUESTIONNARIE
Benificiary name- Sanjaya Behera Benificiary Name- Sanjaya ku. Barik
Question Question
• Do you know about rural housing schemes? • Do you know about rural housing schemes?
yes T No // yes T No //
• Did you apply for/tyour house by visiting rural • Did you apply for/tyour house by visiting rural
/ /
housing site or go to the block for application ? housing site or go to the block for application ?
/ ic / ic
yes T No // yes T No //
• Has any / contractor k involved in the construction • Has any / contractor k involved in the construction
// /t // /t
and development of house ? and development of house ?
/ ic / ic
Yes / No Yes / No
• Did you /● get yourkinstallment on time ? • Did you /● get yourkinstallment on time ?
yes //T No // yes //T No //
• Has anyone // asked
/t for bribe to you about house • Has anyone // asked/t for bribe to you about house
building ● ? building ● ?
/ ic / ic
yes T/ No // yes T/ No //
• Do you/i/ receive any k kind of incentive under this
/t • Do youi// receive any k kind of incentive under this
/t
scheme /c ? scheme c/ ?
/k ic /k ic
yes /T No // yes /T No //
• Have you /i●
/ completed k • Have you /i/● completed k
//c /t your house in 4 month or //c /t your house in 4 month or
6 month // for getting the eligibility of incentives 6 month // for getting the eligibility of incentives
ic ic
? /k ? /k
/ /
yes /● /T No k// yes /● /T No k//
// //
• Have you //i got 12,000 /t assistance for • Have you //i got 12,000 /t assistance for
coustruction / of toilet under SWACHBHARAT coustruction / of toilet under SWACHBHARAT
//c ic //c ic
MISSION ● ? MISSION ● ?
/ /
yes /kT/ No k// yes /kT/ No k//
• Have you i/ got 95 days mandays under this • Have you i/ got 95 days mandays under this
// /t // /t
scheme c/ MGNREGS ? scheme c/ MGNREGS ?
/ ic / ic
yes kT● No // yes kT● No //
• Do you/i// get your k/t tag officer timely ? • Do you/i// get your k/t tag officer timely ?
//c /
yes / T No // yes /c/ T No //
/ ic / ic
• Did tagk/ officer ever /t asked about bribe for • Did tagk/ officer ever asked about bribe for
progress
// / k /
/● / k /t
/ of your work ?
● progress / of your work ?
/ ic / ic
Yes i// No Yes i// No
• Do youc// /know about k the sanctioned money for • Do youc// /know about k the sanctioned money for
the house k● / will be the name of the female head the house k● / will be the name of the female head
/ /
of the//family / ? of the//family / ?
yes iT/ ● No // yes iT/ ● No //
• Do youc /know about /t mason training ? • Do youc /know about /t mason training ?
/ /
yes kT / No // yes kT / No //
/i ic /i ic
• Did you / have participate /t in it ? • Did you / have participate /t in it ?
//c / k /
/
c / k
yes T No // yes T No //
//k i ic //k i ic
// c /t
k // c /t
k
/ /
// k ic // k ic
● ●
// / k // / k
/ /
/● /●
/ /
// //
/ /
●
/i ●
/i
// //
c c
/i /i
k k
/c /c
/ 59 /
ik ik
c/ c/
k k
Benificiary name-Shreechandra Pradhan Benificiary name-Dulabha Das

Question Question
• Do you know about rural housing schemes? • Do you know about rural housing schemes?
yes T No // yes T No //
• Did you apply for/tyour house by visiting rural • Did you apply for/tyour house by visiting rural
/ /
housing site or go to the block for application ? housing site or go to the block for application ?
/ ic / ic
yes T No // yes T No //
• Has any / contractor k involved in the construction • Has any / contractor k involved in the construction
// /t // /t
and development of house ? and development of house ?
/ ic / ic
Yes / No Yes / No
• Did you /● get yourkinstallment on time ? • Did you /● get yourkinstallment on time ?
yes //T No // yes //T No //
• Has anyone / asked
/t for bribe to you about house • Has anyone / asked/t for bribe to you about house
/ /
building ● ? building ● ?
/ ic / ic
yes T/ No // yes T/ No //
• Do you/i/ receive any k kind of incentive under this
/t • Do you/i/ receive any k kind of incentive under this
/t
scheme c/ ? scheme /c ?
/k ic /k ic
yes /T No // yes /T No //
• Have you /i/● completed k • Have you /i/● completed k
//c /t your house in 4 month or //c /t your house in 4 month or
6 month // for getting the eligibility of incentives 6 month // for getting the eligibility of incentives
ic ic
? /k/ ? /k/
yes /● /T No k// yes /● /T No k//
// //
• Have you got 12,000
/t assistance for • Have you got 12,000
/t assistance for
//i //i
coustruction // of toilet under SWACHBHARAT coustruction // of toilet under SWACHBHARAT
/c ic /c ic
MISSION ● ? MISSION ● ?
/ /
yes /kT/ No k// yes /kT/ No k//
• Have you i
// got 95 days mandays under this • Have you i/ got 95 days mandays under this
/c /t // /t
scheme / MGNREGS ? scheme c/ MGNREGS ?
/ ic /k ic
yes k● T No // yes T● No //
• Do you/i// get your k/t tag officer timely ? • Do you/i// get your k/t tag officer timely ?
/ /
yes /c/ T No // yes /c/ T No //
/ ic / ic
• Did tagk/ officer ever /t asked about bribe for • Did tagk/ officer ever /t asked about bribe for
// / / /
progress / of yourkwork ?
● progress / of yourkwork ?
/●
/ ic / ic
Yes i// No Yes i// No
• Do youc// /know about k the sanctioned money for • Do youc// /know about k the sanctioned money for
the house k● / will be the name of the female head the house k● / will be the name of the female head
/ /
of the//family / ? of the//family / ?
yes iT/ ● No // yes iT/ ● No //
• Do youc /know about /t mason training ? • Do youc /know about /t mason training ?
/ /
yes kT / No // yes kT / No //
/i ic /i ic
• Did you / have participate /t in it ? • Did you / have participate /t in it ?
//c / k /
/
c / k
yes T No // yes T No //
//k i ic //k i ic
// c /t
k // c /t
k
/ /
// k ic // k ic
● ●
// / k // / k
/ /
/● /●
/ /
// //
/ /
●
/i ●
/i
// //
c 60 c
/i /i
k k
/c /c
/ /
ik ik
Benificiary name- Benificiary name-

Question Question
• Do you know about rural housing schemes? • Do you know about rural housing schemes?
yes T No // yes T No //
• Did you apply for/tyour house by visiting rural • Did you apply for/tyour house by visiting rural
/ /
housing site or go to the block for application ? housing site or go to the block for application ?
/ ic / ic
yes T No // yes T No //
• Has any / contractor k involved in the construction • Has any / contractor k involved in the construction
// /t // /t
and development of house ? and development of house ?
/ ic / ic
Yes / No Yes / No
• Did you /● get yourkinstallment on time ? • Did you /● get yourkinstallment on time ?
yes /T/ No // yes /T/ No //
• Has anyone / asked
/t for bribe to you about house • Has anyone / asked/t for bribe to you about house
/ /
building ● ? building ● ?
/ ic / ic
yes /T No // yes /T No //
• Do you/i receive any k kind of incentive under this
/t • Do you/i receive any k kind of incentive under this
/t
//c //c
scheme ? scheme ?
/ ic / ic
yes k/T No // yes k/T No //
• Have you /i/● completed k • Have you /i/● completed k
//c /t your house in 4 month or //c /t your house in 4 month or
6 month // for getting the eligibility of incentives 6 month // for getting the eligibility of incentives
ic ic
? /k/ ? /k/
yes //● k yes //T● No k//
T/ No // //
• Have you // got 12,000 assistance for • Have you got 12,000
/t assistance for
/i /t //i
coustruction // of toilet under SWACHBHARAT coustruction // of toilet under SWACHBHARAT
/c ic /c ic
MISSION ● ? MISSION ● ?
//k /
yes T/ No k// yes /kT/ No k//
• Have you i
// got 95 days mandays under this • Have you i// got 95 days mandays under this
/c /t /c /t
scheme / MGNREGS ? scheme / MGNREGS ?
/ ic / ic
yes kT● No // yes kT● No //
• Do you/// get your /t i ktag officer timely ? • Do you/// get your k/t i tag officer timely ?
//c /
yes / T No // yes /c/ T No //
/ ic / ic
• Did tag/k officer ever /t asked about bribe for • Did tag/k officer ever /t asked about bribe for
// / k /
/ / k
progress / of your work ?
● progress / of your work ?
●
/ ic / ic
Yes i// No Yes i// No
• Do you/c/ /know about the sanctioned money for k • Do you/c/ /know about k the sanctioned money for
the house k / will be the name of the female head
● the house k / will be the name of the female head
●
/ /
of the//family / ? of the//family / ?
yes T/ ● No // i yes T/ ● No // i
• Do youc /know about /t mason training ? • Do youc /know about /t mason training ?
/ /
yes T / No // k yes T / No // k
/i ic /i ic
• Did you / have participate /t in it ? • Did you / have participate /t in it ?
// //
yes /cT No k// yes /cT No k//
//k i ic //k i ic
// c /t
k /
// c /t
k
/
// k ic // k ic
● ●
// / k // / k
/ /
/● /●
/ /
// //
/ /
●
/i ●
/i
// //
c c
/i /i
k k
/c /c
/ /
ik ik
61
c/ c/
k k
/ /
Benificiary name-Lembudhar Bindhani Benificiary name-Artatrana dala Behera

Question Question
• Do you know about rural housing schemes? • Do you know about rural housing schemes?
yes T No // yes T No //
• Did you apply for/tyour house by visiting rural • Did you apply for/tyour house by visiting rural
/ /
housing site or go to the block for application ? housing site or go to the block for application ?
/ ic / ic
yes T No // yes T No //
• Has any / contractor involved in the construction k • Has any / contractor k involved in the construction
// /t // /t
and development of house ? and development of house ?
/ ic / ic
Yes / No Yes / No
• Did you /● get yourkinstallment on time ? • Did you /● get yourkinstallment on time ?
yes /T/ No // yes /T/ No //
• Has anyone asked
/
/t for bribe to you about house • Has anyone / asked/t for bribe to you about house
/ /
building ● ? building ● ?
/ ic / ic
yes T/ No // yes T/ No //
• Do you/i receive any k kind of incentive under this
/t • Do you/i receive any k kind of incentive under this
/t
/c/ /c/
scheme ? scheme ?
/ ic / ic
yes k/T No // yes k/T No //
• Have you /i●
// completed k your house in 4 month or • Have you /i●
// completed k
/t /t your house in 4 month or
6 month /c/ for getting the eligibility of incentives 6 month /c/ for getting the eligibility of incentives
/k/ ic /k/ ic
? // ? /
yes /● k yes //T● No k//
T/ No // //
• Have you / got 12,000 assistance for
//i /t • Have you //i got 12,000 /t assistance for
coustruction // of toilet under SWACHBHARAT coustruction // of toilet under SWACHBHARAT
/c ic /c ic
MISSION ● ? MISSION ● ?
//k /
yes T/ No k// yes /kT/ No k//
• Have you i
// got 95 days mandays under this • Have you i// got 95 days mandays under this
/c /t /c /t
scheme / MGNREGS ? scheme / MGNREGS ?
/k ic /k ic
yes ● Ti No // yes ● T No //
• Do you/// get your k/t tag officer timely ? • Do you/i// get your k/t tag officer timely ?
//c //c
yes / T No // yes / T No //
/ ic / ic
• Did tag/k officer ever /t asked about bribe for • Did tag/k officer ever /t asked about bribe for
// / k // / k
progress / of your work ?
● progress / of your work ?
●
/ ic / ic
Yes /i/ No Yes /i/ No
• Do you/c/ /know about k the sanctioned money for • Do you/c/ /know about k the sanctioned money for
the house k / will be the name of the female head
● the house k / will be the name of the female head
●
/ /
of the//family / ? of the//family / ?
yes T/ ● No // i yes T/ ● No // i
• Do youc /know about /t mason training ? • Do youc /know about /t mason training ?
/ /
yes kT / No // yes kT / No //
/i ic /i ic
• Did you / have participate /t in it ? • Did you / have participate /t in it ?
//c / / /
yes T No k// yes /cT No k//
//k i ic //k i ic
// c /t
k /
// c /t
k
/
// k ic // k ic
● ●
// / k // / k
/ /
A /● /●
/ /
// //
/ /
●
/i ●
/i
// //
c c
/i /i
k k
/c /c
/ /
ik ik
c/ 62 c/
k k
/ /
Benificiary name-Dasharatha dala Behera Benificiary name-Damburudhar Pradhan

Question Question
• Do you know about rural housing schemes? • Do you know about rural housing schemes?
yes T No // yes T No //
• Did you apply for/tyour house by visiting rural • Did you apply for/tyour house by visiting rural
/ /
housing site or go to the block for application ? housing site or go to the block for application ?
/ ic / ic
yes T No // yes T No //
• Has any / contractor k involved in the construction • Has any / contractor k involved in the construction
// /t // /t
and development of house ? and development of house ?
/ ic / ic
Yes / No Yes / No
• Did you /● get your installment on time ? k • Did you /● get yourkinstallment on time ?
yes /T/ No // yes /T/ No //
• Has anyone / asked
/t for bribe to you about house • Has anyone / asked/t for bribe to you about house
/ /
building ● ? building ● ?
/ ic / ic
yes T/ No // yes T/ No //
i
• Do you/ receive any k kind of incentive under this i
• Do you/ receive any k kind of incentive under this
/c/ /t /c/ /t
scheme ? scheme ?
/ ic / ic
yes /kT No // yes /kT No //
• Have you /i●
/ completed k • Have you /i● k
/c/ /t your house in 4 month or / completed
/c/ /t your house in 4 month or
6 month // for getting the eligibility of incentives 6 month // for getting the eligibility of incentives
k ic k ic
? // ? //
yes /● /T No k// yes /● /T No k//
// //
• Have you //i got 12,000 /t assistance for • Have you //i got 12,000 /t assistance for
coustruction // of toilet under SWACHBHARAT coustruction // of toilet under SWACHBHARAT
/c ic /c ic
MISSION ● ? MISSION ● ?
//k /
yes T/ No k// yes /kT/ No k//
• Have you i
// got 95 days mandays under this • Have you i// got 95 days mandays under this
/c /t /c /t
scheme / MGNREGS ? scheme / MGNREGS ?
/k ic /k ic
yes ● T/i No // yes ● T No //
• Do you// get your k/t tag officer timely ? • Do you/i// get your k/t tag officer timely ?
//c //c
yes / T No // yes / T No //
/ ic / ic
• Did tag/k officer ever /t asked about bribe for • Did tag/k officer ever /t asked about bribe for
//
/ k //
/ k
progress / of your work ?
● progress / of your work ?
●
/ ic / ic
Yes /i/ No Yes /i/ No
• Do you/c/ /know about k the sanctioned money for • Do you/c/ /know about k the sanctioned money for
the house k● / will be the name of the female head the house k● / will be the name of the female head
/ /
of the//family / ? of the//family / ?
yes iT/ ● No // yes iT/ ● No //
• Do youc /know about /t mason training ? • Do youc /know about /t mason training ?
/ /
yes kT / No // yes kT / No //
/i ic /i ic
• Did you / have participate /t in it ? • Did you / have participate /t in it ?
//c / / /
yes T No k// yes /cT No k//
//k i ic //k i ic
// c /t
k /
// c /t
k
/
// k ic // k ic
● ●
// / k // / k
/ /
/● /●
/ /
// //
/ /
●
/i ●
/i
// //
c c
/i /i
k k
/c /c
/ /
ik ik
c/ 63 c/
k k
/ /
Benificiary name-Sushila Bhoi Benificiary name-Sarata Muduli

Question Question
• Do you know about rural housing schemes? • Do you know about rural housing schemes?
yes T No // yes T No //
• Did you apply for/tyour house by visiting rural • Did you apply for/tyour house by visiting rural
/ /
housing site or go to the block for application ? housing site or go to the block for application ?
/ ic / ic
yes T No // yes T No //
• Has any / contractor k involved in the construction • Has any / contractor k involved in the construction
// /t // /t
and development of house ? and development of house ?
/ ic / ic
Yes / No Yes / No
• Did you /● get your installment on time ? k • Did you /● get yourkinstallment on time ?
yes /T/ No // yes /T/ No //
• Has anyone / asked
/t for bribe to you about house • Has anyone / asked/t for bribe to you about house
/ /
building ● ? building ● ?
/ ic / ic
yes T/ No // yes T/ No //
i
• Do you/ receive any k kind of incentive under this i
• Do you/ receive any k kind of incentive under this
/c/ /t /c/ /t
scheme ? scheme ?
/ ic / ic
yes /kT No // yes /kT No //
• Have you /i●
/ completed k • Have you /i● k
/c/ /t your house in 4 month or / completed
/c/ /t your house in 4 month or
6 month // for getting the eligibility of incentives 6 month // for getting the eligibility of incentives
k ic k ic
? // ? //
yes /● /T No k// yes /● /T No k//
// //
• Have you //i got 12,000 /t assistance for • Have you //i got 12,000 /t assistance for
coustruction // of toilet under SWACHBHARAT coustruction // of toilet under SWACHBHARAT
/c ic /c ic
MISSION ● ? MISSION ● ?
//k /
yes T/ No k// yes /kT/ No k//
• Have you i
// got 95 days mandays under this • Have you i// got 95 days mandays under this
/c /t /c /t
scheme / MGNREGS ? scheme / MGNREGS ?
/k ic /k ic
yes ● T/i No // yes ● T No //
• Do you// get your k/t tag officer timely ? • Do you/i// get your k/t tag officer timely ?
//c //c
yes / T No // yes / T No //
/ ic / ic
• Did tag/k officer ever /t asked about bribe for • Did tag/k officer ever /t asked about bribe for
//
/ k //
/ k
progress / of your work ?
● progress / of your work ?
●
/ ic / ic
Yes /i/ No Yes /i/ No
• Do you/c/ /know about k the sanctioned money for • Do you/c/ /know about k the sanctioned money for
the house k● / will be the name of the female head the house k● / will be the name of the female head
/ /
of the//family / ? of the//family / ?
yes iT/ ● No // yes iT/ ● No //
• Do youc /know about /t mason training ? • Do youc /know about /t mason training ?
/ /
yes kT / No // yes kT / No //
/i ic /i ic
• Did you / have participate /t in it ? • Did you / have participate /t in it ?
//c / / /
yes T No k// yes /cT No k//
//k i ic //k i ic
// c /t
k /
// c /t
k
/
// k ic // k ic
● ●
// / k // / k
/ /
After conducting /● interview and asking questions to the beneficiaries about /● rural housing schemes we finally reach
/ /
to the conclusion // that beneficiaries were got all the benefits of rural housing // schemes, they were aware about
/ /
it,no corruption,bribe,delay ●
/i in work progress has happened,all the beneficiaries ●
/i got their installments,incentives
in time.the beneficiaries // were answered the questions on the basis of their // convienience and knowledge. No
c c
contractors were /i involved in this process.after conducting this survey we/i can finally say that this survey is 100%
k k
successful. /c /c
/ /
ik ik
c/ 64 c/
k k
/ /
 • CHAPTER-10
• REFERENCES
• Pradhanmantri awas yojana scheme guidelines, govt. of India
• BPGY guidelines, state govt of odisha
• NSPGY guidelines, state govt of odisha
• PMAYG guidelines
• Www. Rural.nic.in
• www.rhodisha.gov.in
• Www. Odishapanchayat.gov.in
• Pmayg.nic.in
• Sirdodisha.nic.in
• Bocboard.labdirodisha.gov.in
• Census 2011 data- censusindia.gov.in
• Khajuripada,odisha- wikipedia

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