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Ashraya Yojana is a housing scheme launched by the Karnataka state government to provide affordable and dignified shelter for the poor and homeless people in the state. The scheme aims to improve the living conditions and socio-economic status of the economically weaker sections of society by providing them with subsidized housing options and financial assistance. The scheme is implemented by the Rajiv Gandhi Housing Corporation Limited (RGRHCL), a public sector undertaking under the Department of Housing, Government of Karnataka.
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Eligibility Criteria for Ashraya Yojana
To avail the benefits of Ashraya Yojana, the applicants must fulfill the following eligibility criteria:
- The applicant must be above 18 years old and a permanent resident of Karnataka.
- The applicant must not have any other residential property in Karnataka.
- The applicant’s annual household income must be below a certain limit set by the government. Currently, the limit is Rs. 32,000 for rural areas and Rs. 42,000 for urban areas, but it may be increased to Rs. 1.20 lakh soon.
Application Process for Ashraya Yojana
The application process for Ashraya Yojana is online and can be done through the official website of RGRHCL at https://ashraya.karnataka.gov.in/. The applicants need to follow these steps to apply for the scheme:
- Visit the official website of RGRHCL and click on the “Apply Online” option under the “Citizen Services” section.
- Register yourself by providing your name, mobile number, email id, Aadhaar number and other details.
- Login with your credentials and fill up the online application form with your personal, income, bank and property details.
- Upload the required documents such as identity proof, address proof, income proof, caste certificate, etc.
- Submit the application form and take a printout of the acknowledgement slip for future reference.
Benefits of Ashraya Yojana
The benefits of Ashraya Yojana are as follows:
- The beneficiaries of the scheme will get a subsidy of Rs. 1.20 lakh for constructing a house on their own land or purchasing a ready-made house from RGRHCL or any other agency.
- The beneficiaries will also get an interest subsidy of 6.5% per annum on the loan amount taken from any bank or financial institution for housing purposes.
- The beneficiaries will get a house of about 300 sq.ft. with basic amenities such as water supply, electricity, sanitation, etc.
- The beneficiaries will also get access to various social welfare schemes and programs of the government such as health insurance, education, skill development, etc..
Implementation and Progress
Since its inception, Ashraya Yojana Karnataka has made significant strides in alleviating homelessness in the state. The scheme has provided houses to thousands of families, thereby improving their living standards. The progress of the scheme is regularly monitored at the district, taluk, and village levels to ensure effective implementation.
Moreover, the scheme has been successful in promoting social inclusion by providing housing opportunities to the marginalized sections of society. The scheme has also been instrumental in reducing the rural-urban divide by providing houses in both urban and rural areas.
However, like any large-scale initiative, the scheme has faced its share of challenges. But with constant monitoring and improvisation, these challenges have been addressed, leading to the successful implementation of the scheme.
Challenges and Solutions
Despite its success, the Ashraya Yojana Karnataka has faced several challenges. These include delay in construction and allotment of houses, lack of awareness about the scheme among the eligible beneficiaries, and misuse of the scheme by ineligible beneficiaries.
To overcome these challenges, the government has taken various measures. These include stringent verification of applications to prevent misuse, creating awareness about the scheme through campaigns, and regular monitoring of the construction work.
Furthermore, the government has leveraged technology to enhance transparency and efficiency in the implementation of the scheme. The introduction of online tracking of applications is one such initiative that has significantly improved the implementation process.
Success Stories
The Ashraya Yojana Karnataka has transformed many lives by providing them with a roof over their heads. One such beneficiary is Lakshmi, a widow from a small village in Karnataka. Before becoming a beneficiary of the scheme, Lakshmi lived in a dilapidated house with her two children. Today, she is the proud owner of a secure and well-constructed house, thanks to the Ashraya Yojana Karnataka.
Another beneficiary, Ramesh, a physically challenged person from a marginalized community, was living in a makeshift house before he was allotted a house under the scheme. Now, Ramesh lives in a house with basic amenities, providing him with a life of dignity and security.
These are just a few examples of how the Ashraya Yojana Karnataka is making a difference in the lives of people. The scheme continues to transform lives, one house at a time.
Conclusion
Ashraya Yojana is a noble initiative by the Karnataka government to provide affordable housing to the poor and homeless people in the state. The scheme not only provides shelter but also empowers them with dignity and self-reliance. The scheme has been successful in reaching out to lakhs of beneficiaries across rural and urban areas of Karnataka and has been appreciated by various stakeholders. The scheme is expected to achieve its target of providing housing for all by 2022.
FAQs
Here are some frequently asked questions about Ashraya Yojana:
What is Ashraya Yojana?
Ashraya Yojana is a housing scheme for the poor and homeless people in Karnataka. It provides subsidized housing options and financial assistance to the eligible beneficiaries.
Who is eligible for Ashraya Yojana?
To be eligible for Ashraya Yojana, the applicant must be above 18 years old, a permanent resident of Karnataka, not having any other residential property in Karnataka and having an annual household income below a certain limit.
How to apply for Ashraya Yojana?
To apply for Ashraya Yojana, one has to visit the official website of RGRHCL at https://ashraya.karnataka.gov.in/ and register themselves online. Then they have to fill up an online application form with their personal, income, bank and property details and upload the required documents.
What are the benefits of Ashraya Yojana?
The benefits of Ashraya Yojana are:
- A subsidy of Rs. 1.20 lakh for
- A subsidy of Rs. 1.20 lakh for constructing or purchasing a house.
- An interest subsidy of 6.5% per annum on the loan amount for housing purposes.
- A house of about 300 sq.ft. with basic amenities.
- Access to various social welfare schemes and programs of the government.
How many houses have been constructed or allotted under Ashraya Yojana?
According to the official website of RGRHCL, as of August 2023, a total of 14,76,895 houses have been constructed or allotted under Ashraya Yojana across rural and urban areas of Karnataka.
What are the documents required for applying for Ashraya Yojana?
The documents required for applying for Ashraya Yojana are:
- Aadhaar card
- Voter ID card or any other identity proof
- Ration card or any other address proof
- Income certificate or any other income proof
- Caste certificate or any other caste proof
- Bank passbook or any other bank proof
- Land documents or any other property proof
- Passport size photograph
How to check the status of the application for Ashraya Yojana?
To check the status of the application for Ashraya Yojana, one has to visit the official website of RGRHCL and click on the “Track Application Status” option under the “Citizen Services” section. Then they have to enter their application number and mobile number and click on the “Search” button.
How to contact the authorities for any queries or grievances related to Ashraya Yojana?
To contact the authorities for any queries or grievances related to Ashraya Yojana, one can use the following modes:
- Call the toll-free helpline number 1800-425-2646
- Email at in**@as*****.in
- Visit the nearest RGRHCL office or Gram Panchayat office
What are the other housing schemes launched by the Karnataka government?
Some of the other housing schemes launched by the Karnataka government are:
- Basava Vasati Yojana: A scheme for providing housing assistance to SC/ST and backward classes.
- Ambedkar Nivasa Yojana: A scheme for providing housing assistance to SC/ST families living in urban areas.
- Vajpayee Arogyashree Scheme: A scheme for providing health insurance to BPL families living in rural areas.
- Indira Awas Yojana: A scheme for providing housing assistance to BPL families living in rural areas.
What is the difference between Ashraya Yojana and Pradhan Mantri Awas Yojana?
The difference between Ashraya Yojana and Pradhan Mantri Awas Yojana are:
- Ashraya Yojana is a state-level scheme launched by the Karnataka government, while Pradhan Mantri Awas Yojana is a central-level scheme launched by the Indian government.
- Ashraya Yojana provides a subsidy of Rs. 1.20 lakh for housing purposes, while Pradhan Mantri Awas Yojana provides a subsidy of Rs. 2.67 lakh for housing purposes.
- Ashraya Yojana covers only the poor and homeless people in Karnataka, while Pradhan Mantri Awas Yojana covers all the urban poor and rural poor in India.
How to download the beneficiary list of Ashraya Yojana?
A11. To download the beneficiary list of Ashraya Yojana, one has to visit the official website of RGRHCL and click on the “Beneficiary List” option under the “Citizen Services” section. Then they have to select their district, taluk, gram panchayat and scheme name and click on the “Search” button. The beneficiary list will be displayed on the screen and can be downloaded in PDF format.
How to lodge a complaint or give feedback on Ashraya Yojana?
To lodge a complaint or give feedback on Ashraya Yojana, one has to visit the official website of RGRHCL and click on the “Complaints/Feedback” option under the “Citizen Services” section. Then they have to fill up a form with their name, mobile number, email id, subject, message and captcha code and click on the “Submit” button.
What are the features of the houses constructed or allotted under Ashraya Yojana?
The features of the houses constructed or allotted under Ashraya Yojana are:
- The houses are built using eco-friendly and disaster-resistant materials and technologies.
- The houses are designed to suit the local climatic and cultural conditions and preferences.
- The houses are equipped with basic amenities such as water supply, electricity, sanitation, etc.
- The houses are also provided with solar panels, rainwater harvesting systems, smokeless chulhas, etc.
What are the challenges faced in the implementation of Ashraya Yojana?
Some of the challenges faced in the implementation of Ashraya Yojana are:
- Delay in the identification and verification of beneficiaries due to lack of proper records and documents.
- Delay in the release and utilization of funds due to bureaucratic hurdles and corruption.
- Delay in the acquisition and allotment of land due to legal disputes and encroachments.
- Delay in the construction and completion of houses due to shortage of labor and materials.
What are the achievements and impacts of Ashraya Yojana?
Some of the achievements and impacts of Ashraya Yojana are:
- The scheme has provided housing for lakhs of poor and homeless people in Karnataka, thereby improving their living standards and dignity.
- The scheme has also generated employment opportunities for thousands of workers involved in the construction sector.
- The scheme has also contributed to the environmental conservation and sustainability by promoting green building practices and renewable energy sources.
- The scheme has also enhanced the social inclusion and empowerment of marginalized groups such as women, SC/ST, minorities, etc.
How to update or edit the application details for Ashraya Yojana?
To update or edit the application details for Ashraya Yojana, one has to visit the official website of RGRHCL and click on the “Edit Application Details” option under the “Citizen Services” section. Then they have to enter their application number and mobile number and click on the “Search” button. The application details will be displayed on the screen and can be edited as per requirement.
How to cancel or withdraw the application for Ashraya Yojana?
To cancel or withdraw the application for Ashraya Yojana, one has to visit
the nearest RGRHCL office or Gram Panchayat office and submit a written request for cancellation or withdrawal along with the original acknowledgement slip and other relevant documents.
How to check the allotment status of Ashraya Yojana?
To check the allotment status of Ashraya Yojana, one has to visit the official website of RGRHCL and click on the “Allotment Status” option under the “Citizen Services” section. Then they have to enter their application number and mobile number and click on the “Search” button. The allotment status will be displayed on the screen.
How to pay the instalments or dues for Ashraya Yojana?
To pay the instalments or dues for Ashraya Yojana, one has to visit the official website of RGRHCL and click on the “Online Payment” option under the “Citizen Services” section. Then they have to enter their application number and mobile number and click on the “Search” button. The payment details will be displayed on the screen and can be paid online using debit card, credit card, net banking or UPI.
How to get a certificate or receipt for Ashraya Yojana?
To get a certificate or receipt for Ashraya Yojana, one has to visit the official website of RGRHCL and click on the “Certificate/Receipt” option under the “Citizen Services” section. Then they have to enter their application number and mobile number and click on the “Search” button. The certificate or receipt will be displayed on the screen and can be downloaded or printed as per requirement.
What is the duration of the loan under this scheme?
The duration of the loan under Ashraya Yojana is 20 years. The interest subsidy of 6.5% per annum is applicable for the first 15 years of the loan. The remaining 5 years of the loan have to be paid at the normal interest rate.
References
Official website of RGRHCL at https://ashraya.karnataka.gov.in/
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