State Credit Cum Subsidy Gramin Awas Yojana (CCS)

The scheme is 100 percent state-funded. All rural households in the rural areas below the poverty line and above poverty line up to Rs 32000.00 are provided benefits by providing financial assistance and government grants to all the homeless families of the income group.

Implementation of Yojana is being done in the rural areas of the entire state, which is less than 20km from metropolitan cities and big cities, and in small villages, out of the circumference of at least 5 kms. The total plan benefit including Rs. 40,000.00 loan and Rs. 10,000.00 government grant, is Rs 50,000.00 per business / co-operative banks for each family to be constructed under the scheme.

There were a large number of households in the rural areas which could not be covered under the IAY, as either they do not fall into the range of eligibility or due to the limits imposed by the available budget. On the other hand due to limited repayment capacity, these rural households cannot take benefit of fully loan based schemes offered by some of the housing finance institutions. The need of this majority can be met through a scheme which is part credit and part subsidy based.

Objective:

The objective of this scheme for rural housing is to facilitate construction of houses for rural families who have some repayment capacity. The scheme aims at eradicating shelterlessness from the rural area of the country.