1. Challenges in IAY implementation – issues and solutions

2. 1. Selection of beneficiaries Issue : Interference by GP and representatives Faulty BPL list Suggestions: BDOs should be asked to scrutinise list before releasing funds Accountability for removing ineligible names should be fixed

3. 2.Sectoral allocation and targets for SC / ST and minorities Issue : Inadequate SC/ ST families to be covered in many districts or exhausted Suggestions: State level targets to be prescribed but district level targets to be allocated by the states Ratio should be reworked - Revised allocation for SC/ST and minorities

4. Inadequate unit cost assistance Issue : High cost of material and labour High transportation cost in remote and hilly areas Suggestions: Increase unit cost Additional funds for remote and hilly areas Convergence with MGNREGA

5. Unit cost for land purchase for homesteads sites Issue : Assistance provided is too meager Land cost is very high Suggestions: Assistance should be increased as per market value.

6. Incomplete houses Issue : Large no. of houses incomplete for various reasons – little assistance was provided earlier, misuse by beneficiaries, inadequate technical understanding of beneficiaries etc.. Suggestions: Additional assistance to state authorities to complete such houses on their own. Time frame to be increased for addressing backlog Family occupancy to be treated as completion of house.

7. Contingency funds Issue : No funds available for quality assurance and monitoring at present Suggestions: 2-3% of scheme allocation to be given as contingency

8. Off-take of DRI loan provision Issue : Banks are unwilling to cooperate, treat DRI applications as home loan applications Suggestions: DRI should be made compulsory Targets to be fixed for banks by RBI – action to be taken against default Paperwork simplified at the national level.

9. Land availability Issue : Some instruments like CRZ pose limitations for making land available Suggestions: CRZ should be relaxed based on local conditions for IAY houses.