The Karnataka government has introduced many housing schemes for the citizens. Let us find out how to avail the benefits of the housing schemes in Karnataka and what are housing schemes available in the state.
Rajiv Gandhi Rural Housing Corporation Limited (RGRHCL) is a nodal agency of a state government, and it takes care of the implementation of a housing scheme for economically weaker sections.
RGRHCL aims at the effective implementation of guidelines laid by the government and maintains quality in construction.
In Karnataka, a poor homeless person can get a house under different Housing schemes, like group housing schemes, rural site schemes and Ashraya colony. Housing Corporation looks after the monetary affairs related to the scheme.
It maintains the quality of construction works. Overall it aims at providing housing for socially and economically weaker sections of the society under various Central and State housing schemes.
It’s mandatory that one should fulfil all the eligibility conditions laid down by the government for the housing schemes. Local administrative institutes (Gram Panchayaths) should maintain a list of eligible candidates who fulfil the eligibility criteria for the scheme and should revise the list annually.
After finalising the list, depending on the allocation in the budget, the government should decide the number of houses for construction. If the number of houses is less than the eligible candidates then panchayath should select the candidates for the scheme through a lottery method.
So, what exactly are the eligibility criteria?
One must fulfil all the criteria below to avail of benefits under the housing scheme.
After the sanctioning process, local self-government will issue the order for the construction. After receiving a constriction order, beneficiaries should submit the following documents to the Panchayath:
Every year Grampanchayaths will revise the list in the month of January. Aspirants can submit their applications during that time. The concerned department will give wide publicity about the scheme. Applicants can submit their fresh application in form no. 1 to the Grama panchayath or can submit through online along with the following documents
Beneficiaries submit a photocopy of all these documents to the Gramapanchayath and Officers should verify the certificates during spot visit. Gram Panchayaths will verify all the applications and mention reasons for the rejection. All applicants will receive SMS for the acceptance or the rejection of the application.
As mentioned earlier beneficiaries must be a woman. If the land is in the name of husband then that should be transferred to his wife to avail this benefit.
All beneficiaries can open a zero balance account under the Rajiv Gandhi Housing Scheme. After opening an account beneficiaries should provide following details to the bank:
Soon after getting direction to construct the house, beneficiaries should start their work. Within three months beneficiaries should complete their preliminary work like laying the foundation. Otherwise, his application will be cancelled.
The remaining amount will be released step by step based on the completion of the work.
Government has planned `special housing scheme’ for people belongs to the special category including:
The government has formed a special team under the leadership of DC to provide housing facility for the special category people. They will identify the beneficiaries with the help of Local Self Government.
Generally, the first preference will be given to the construction of an individual house. But in this scheme, the beneficiary has to build the house in his own land and initially he should spend money from his own pocket.
It will be very difficult to provide the necessary fundamental facilities like water, electricity, road, drainage etc. But it can be easily provided under Group housing scheme. Beneficiaries shortlisted under this scheme has to sign for an agreement letter with the housing corporation
This scheme has planned for the families that don’t have housing sites. Thus to provide house to those families state government has introduced Aashraya housing scheme in the rural area.
It is mandatory for the beneficiaries to follow certain rules and regulations laid by the government. They are
After the completion of each stage, the beneficiary has to upload the related photos to the website. After necessary verification, the department will release the subsidy amount to the beneficiaries account.
As the photos will be uploaded to the GPS, beneficiaries should upload good quality photos otherwise it will be rejected. Photos should be submitted in the following three stages-
If the beneficiary wants to utilise the subsidy amount for the extension of the existing house, rejuvenation of old house, if he wants to use the house for non-residential purpose and if construction amount crosses the fixed subsidy, then he should submit an application in the fixed format to the concerned officer. The money will be released after certifying the application by the concerned officer.
If an applicant wants to make any changes in the application like name, address, category, then he has to submit the application in a prescribed format and officers will make necessary changes in the website.
Along with the following documents proposals should be submitted to executive officers
After the necessary, changes the chief executive officer will make a digital signature on that copy.
In order to make changes in the name of husband or father applicant should submit his proposal in form 10. Along with it, the beneficiary should submit a request letter and certificates obtained from the Notary
Generally, a family can’t be reselected after availing a facility under a housing scheme but it can be considered during the following conditions.
Make the most of the housing schemes of the Karnataka government and avail the scheme if you are an eligible candidate.
