Bihar's 'Dashaazraat' Scheme Boosts Rural Housing Completion
Bihar's ₹10,000 housing scheme attracts 2.3 million applicants, aiding PMAY-G beneficiaries.
Key Facts
23 lakh applicants in one month
Scheme provides ₹10,000
Deadline: December 31, 2023
Aids PMAY-G beneficiaries
UPSC Exam Angles
Social Justice & Welfare Schemes: Understanding the objectives, features, and implementation challenges of flagship housing schemes (PMAY-G).
Federalism & Centre-State Relations: How central schemes are implemented with state participation, and the role of state-specific top-up schemes.
Economic Impact: Inflation's effect on welfare schemes, financial inclusion, and poverty alleviation.
Governance & Public Policy: Effectiveness of policy interventions, last-mile delivery issues, and adaptive governance.
Sustainable Development Goals: Link to SDG 11 (Sustainable Cities and Communities), particularly target 11.1 on access to adequate, safe, and affordable housing.
Visual Insights
Bihar's 'Dashaazraat' Scheme: Boosting Rural Housing
This map highlights Bihar, the state implementing the 'Dashaazraat' scheme, which supplements the central Pradhan Mantri Awas Yojana-Gramin (PMAY-G) to accelerate rural housing completion. It underscores the geographical focus of this significant state-level initiative.
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Bihar's 'Dashaazraat' & PMAY-G: Key Figures (as of Dec 2025)
This dashboard presents key statistics related to Bihar's 'Dashaazraat' scheme and the broader Pradhan Mantri Awas Yojana-Gramin (PMAY-G), providing context on the scale of rural housing efforts.
- Dashaazraat Scheme Assistance
- ₹10,000
- Dashaazraat Applications (Bihar)
- 23 Lakh
- PMAY-G Target Houses
- 2.95 Crore
- PMAY-G Houses Completed (Cumulative)
- ~2.98 Crore
Additional financial aid provided by Bihar to PMAY-G beneficiaries to overcome funding shortfalls due to rising material costs.
Number of applications received in Bihar for the 'Dashaazraat' scheme in the month leading up to the Dec 31, 2023 deadline, indicating high demand.
The ambitious target set by the central government under PMAY-G to provide pucca houses to all eligible rural households by March 2024.
Estimated cumulative number of houses completed under PMAY-G across India by December 2025, indicating significant progress towards and slightly exceeding the original target.
More Information
Background
India has a long history of rural housing schemes, starting with the Rural Housing Programme in 1957, followed by Indira Awas Yojana (IAY) in 1985-86. These schemes aimed to provide housing assistance to the rural poor.
However, challenges like inadequate funding, lack of quality control, and issues in beneficiary identification persisted. The 'Housing for All' mission gained significant momentum with the launch of Pradhan Mantri Awas Yojana-Gramin (PMAY-G) in 2016, replacing IAY, with an ambitious target to provide pucca houses to all eligible rural households.
Latest Developments
Bihar's 'Dashaazraat' scheme (Mukhyamantri Gramin Awas Sahayata Yojana) is a recent state-specific initiative designed to complement the central PMAY-G. It provides an additional ₹10,000 to PMAY-G beneficiaries who are struggling to complete their houses due to financial shortfalls, often exacerbated by rising construction material costs.
This scheme highlights the ongoing challenges in achieving the 'Housing for All' objective, particularly the financial viability for beneficiaries, and demonstrates how states are stepping in to bridge critical gaps in central schemes. The overwhelming response (23 lakh applications) underscores the significant need for such supplementary support.
Practice Questions (MCQs)
1. With reference to rural housing schemes in India, consider the following statements: 1. The Pradhan Mantri Awas Yojana-Gramin (PMAY-G) is a centrally sponsored scheme aimed at providing pucca houses with basic amenities to all eligible rural households by 2024. 2. The 'Dashaazraat' scheme of Bihar is a state-specific initiative that provides financial assistance to beneficiaries of PMAY-G to bridge funding gaps. 3. PMAY-G replaced the Indira Awas Yojana (IAY) and focuses on a beneficiary-led construction model with convergence for essential services. Which of the statements given above is/are correct?
- A.1 and 2 only
- B.2 and 3 only
- C.1 and 3 only
- D.1, 2 and 3
Show Answer
Answer: D
Statement 1 is correct: PMAY-G is a centrally sponsored scheme (funding shared between Centre and States) and its target for 'Housing for All' in rural areas was extended to 2024. Statement 2 is correct: The 'Dashaazraat' scheme (Mukhyamantri Gramin Awas Sahayata Yojana) is indeed a Bihar state-specific scheme providing ₹10,000 to PMAY-G beneficiaries to help complete their houses. Statement 3 is correct: PMAY-G was launched in 2016, replacing the erstwhile IAY, and emphasizes a beneficiary-led approach, often converging with schemes like MGNREGA for labour, Swachh Bharat Mission for toilets, etc.
2. In the context of achieving the 'Housing for All' objective in rural India, which of the following factors often pose significant challenges to the successful completion of houses under government schemes? 1. Rising costs of construction materials. 2. Inadequate availability of skilled local labour. 3. Delays in the release of financial installments to beneficiaries. 4. Lack of convergence with schemes providing basic amenities like water and sanitation. Select the correct answer using the code given below:
- A.1 and 2 only
- B.3 and 4 only
- C.1, 2 and 3 only
- D.1, 2, 3 and 4
Show Answer
Answer: D
All four statements represent significant challenges in the successful completion of rural housing projects. Rising material costs (as highlighted by the 'Dashaazraat' scheme's rationale) directly impact beneficiaries' ability to complete construction within the allocated budget. Inadequate skilled labour can lead to delays and poor quality. Delays in financial installments are a common bureaucratic hurdle that stalls construction. Lack of effective convergence means beneficiaries might complete the structure but still lack essential amenities, making the house less 'pucca' or livable.
3. Which of the following Directive Principles of State Policy (DPSP) most directly aligns with the objective of providing 'Housing for All' and improving the living standards of the rural poor in India?
- A.Article 39: The State shall, in particular, direct its policy towards securing that the citizens, men and women equally, have the right to an adequate means of livelihood.
- B.Article 40: The State shall take steps to organise village panchayats and endow them with such powers and authority as may be necessary to enable them to function as units of self-government.
- C.Article 44: The State shall endeavour to secure for the citizens a uniform civil code throughout the territory of India.
- D.Article 48: The State shall endeavour to organise agriculture and animal husbandry on modern and scientific lines.
Show Answer
Answer: A
Article 39(a) and 39(b) of the DPSP, which speak of 'adequate means of livelihood' and 'equitable distribution of material resources of the community for the common good,' most directly align with the objective of providing 'Housing for All.' Access to housing is fundamental to an adequate standard of living and means of livelihood. While other DPSPs are important, Article 39 directly addresses the socio-economic conditions that housing schemes aim to improve. Article 40 deals with Panchayats, Article 44 with Uniform Civil Code, and Article 48 with agriculture and animal husbandry, which are less directly related to housing provision.
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