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The amount of assistance is made available to the beneficiaries of rural housing schemes by ______.


1. Paying them in cash
2. Through middlemen
3. Through Bank counters
4. Direct Benefit Transfer

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Correct Answer - Option 4 : Direct Benefit Transfer

The correct answer is Direct Benefit Transfer.

  • Under the rural housing scheme, financial assistance is provided to construct the pucca house for all houseless and households living in dilapidated houses.
  • The expenditure for implementing the project in the span of three years i.e from 2016-2019 is Rs. 81975 crores.
  • The amount of assistance is made available to the beneficiaries of rural housing schemes by Direct Benefit Transfer.
  • Under the project, one crore household will be provided assistance for the construction of the pucca house.
  • The cost of houses will be shared between State and Central Government in the ratio 40 ∶ 60 in plain areas and 10:90 in hilly and northeastern states.
  • The scheme was implemented in rural areas throughout India except for Delhi and Chandigarh.
  • The scheme enhanced the unit assistance to Rs 1,20,000 in plain areas and to Rs. 1,30,000 in hilly states or difficult areas.
  • The additional financial requirement of Rs. 21,975 crore was fulfilled by borrowing from NABARD (National Bank for Agricultural and Rural Development) and will be amortized through budgetary allocation after 2022.
  • To provide technical support in achieving the target set under the project National Technical Support Agency at the national level was set.
  • The rural housing scheme was launched by the Ministry of Rural Development.

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