AGY

Antyodaya Gruha Yojana: Construction of New House

6.9/10

The scheme aims to provide financial assistance to eligible rural households for the construction of a new pucca house.

State Cash

States / UT: Odisha

Nodal department: Panchayati Raj Department

Scheme for: Family

Scheme profile

DBT (direct benefit transfer): Yes

Categories: Agriculture,Rural & Environment, Housing & Shelter

Sub-categories: Rural services, Shelter, integrated support and assistance, Housing

Target beneficiaries: Family, Individual

Tags: Housing, Rural Housing, DBT, Pucca House, Financial Support

Details

The scheme “Antyodaya Gruha Yojana: Construction of New House” has been implemented by the Panchayati Raj & Drinking Water Department, Government of Odisha. It aims to provide pucca houses to eligible rural households who are houseless or living in kutcha houses. Through this component, financial assistance is provided to rural families for the construction of a new pucca house with a minimum carpet area of 25 square metres. The component is implemented by Panchayat Samities under the supervision of Zilla Parishads and the Panchayati Raj & Drinking Water Department.

Benefits

  • 1. Financial assistance of ₹1,20,000/- is provided for the construction of a new pucca house. 1. The house must have a minimum carpet area of 25 square metres, including a hygienic cooking space and excluding the toilet area. Instalment-wise Disbursement:
  • First Instalment: ₹10,000/-, released along with the issuance of the work order.- Second Instalment: ₹65,000/-, released upon reaching roof level.- Third Instalment: ₹15,000/-, released upon completion of the house. Timeline:
  • The house is ordinarily required to be completed within 12 months from the credit of the first instalment. Mode of Disbursement:
  • The construction assistance is credited directly to the beneficiary’s bank account through Direct Benefit Transfer from the State Nodal Account. Convergence:
  • The beneficiaries constructing new houses are entitled upto 90/95 person days of unskilled labour during house construction out of MGNREGS in addition to the unit assistance
  • The beneficiaries can also avail support under relevant schemes of rural sanitation, drinking water, rural electrification, etc., if found eligible and not availed earlier
  • BDO should endeavour to construct houses on a cluster basis wherever feasible. The required common infrastructure, like CC road, street light, drainage, community sanitation complex, community compost pit, etc., shall also be provided in convergence mode from the relevant schemes of Central & State Government
  1. Financial assistance of ₹1,20,000/- is provided for the construction of a new pucca house.
  2. The house must have a minimum carpet area of 25 square metres, including a hygienic cooking space and excluding the toilet area.

Instalment-wise Disbursement:

  • First Instalment: ₹10,000/-, released along with the issuance of the work order.- Second Instalment: ₹65,000/-, released upon reaching roof level.- Third Instalment: ₹15,000/-, released upon completion of the house.

Timeline:

  • The house is ordinarily required to be completed within 12 months from the credit of the first instalment.

Mode of Disbursement:

  • The construction assistance is credited directly to the beneficiary’s bank account through Direct Benefit Transfer from the State Nodal Account.

Convergence:

  • The beneficiaries constructing new houses are entitled upto 90/95 person days of unskilled labour during house construction out of MGNREGS in addition to the unit assistance.

  • The beneficiaries can also avail support under relevant schemes of rural sanitation, drinking water, rural electrification, etc., if found eligible and not availed earlier.

  • BDO should endeavour to construct houses on a cluster basis wherever feasible. The required common infrastructure, like CC road, street light, drainage, community sanitation complex, community compost pit, etc., shall also be provided in convergence mode from the relevant schemes of Central & State Government.


Eligibility

  1. The applicant household must be residing in rural Odisha and must be houseless or living in a kutcha house.

  2. The applicant household should belong to at least one of the following categories:

    • Forest Rights Act, 2006 (FRA) beneficiaries.
    • Households where the main earning member is a Person with a disability with at least 40% disability. - Lower-income households that are eligible but left out of existing Government rural housing schemes.
  3. The households coming under the following categories will be eligible forsanction of a new house, notwithstanding previous allotment of a house under any Government Housing Schemes and staying in a pucca house:

    • Households whose houses have been fully / severely damaged by natural/ manmade calamities like fire, flood, cyclone, earthquake, elephant menace, communal violence, LWE violence, major law and order problem, etc.
    • Victims ofriver / sea inundation who need relocation/shifting.
    • Households that are rehabilitated/relocated for setting up any Government projects, such as highways, irrigation projects, etc.
    • Households staying in sanctuary / reserve forest areas need relocation.

Exclusions

  1. The household is living in a pucca house.
  2. Any family member is a regular Government, Public Sector Undertaking, or Statutory Body employee or pensioner.
  3. The household owns a motorized four-wheeler.
  4. The household owns mechanized three or four-wheeler agricultural equipment.
  5. The household runs a registered non-agricultural enterprise.
  6. Any family member earns more than ₹15,000/- per month. 1. The household owns 2.5 acres or more of irrigated land or 5 acres or more of unirrigated land.
  7. The household has already availed housing assistance under another Government rural housing scheme.

How useful is this scheme?

Public benefit analysis

A practical look at this scheme for citizens

AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.

6.9
/ 10
Public Benefit Score
Accessibility 7.0/10 Good
Rural usefulness 8.0/10 Good
Application complexity 5.0/10 Moderate
Financial impact 9.0/10 Good
Literacy barrier 5.0/10 Moderate
Women inclusivity 6.0/10 Moderate
Awareness 4.5/10 Moderate
Implementation reliability 7.0/10 Good
Bigger shape means a better fit for citizens
  • Accessibility7.0
  • Financial impact9.0
  • Rural utility8.0
  • Awareness4.5
  • Simplicity5.0
  • Inclusivity6.0

What problem does this scheme solve?

The scheme provides essential financial support for constructing pucca houses, addressing housing needs in rural areas.

Key challenges addressed

  • Lack of permanent housing
  • Living in kutcha houses

Most beneficial for

  • Houseless families
  • Low-income households
  • Persons with disabilities

Likely challenges

  • Verification of eligibility documents
  • Awareness of the scheme among potential beneficiaries

Practical insights for citizens

The scheme is practical but requires significant effort from beneficiaries to navigate the application process.

Rural challenges

  • Limited awareness of the scheme
  • Access to local government offices

Digital challenges

  • Low internet penetration in rural areas
  • Limited access to online resources

Implementation bottlenecks

  • Delays in document verification
  • Bureaucratic hurdles

Awareness challenges

  • Insufficient outreach programs
  • Lack of information dissemination

Application analysis

Application mode
Offline office
Documents burden
Moderate, requires eligibility verification documents
Verification complexity
Moderate, involves multiple steps
Office dependency
High, requires interaction with local officials
DBT dependency
Yes, relies on Direct Benefit Transfer
CSC support
Limited
Estimated citizen effort
Moderate, requires several visits to local offices

Estimated beneficiary reach

  • Rural / urban reach High
  • Gender reach Moderate
  • Target income group Low-income households
  • Occupation reach Agricultural and unskilled laborers

Benefit analysis

Benefit type
Cash
Benefit frequency
One-time for house construction
Benefit practicality
High, as it directly addresses housing needs
Financial meaningfulness
9
Long-term impact
Positive, as it improves living conditions and stability for families

Plain-language guidance

This scheme helps families in rural Odisha build new permanent houses by providing financial assistance. Eligible households can receive up to ₹1,20,000 for construction.

Who should apply
Families living in kutcha houses or without a house.
Who may struggle
Those unfamiliar with government processes or lacking necessary documents.
Best application route
Apply through the local Block Development Officer (BDO).

This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.

Application Process

Offline

  • Eligible households are identified by the Block Development Officer (BDO). - The applicant’s eligibility documents are verified, including certificates related to calamity, disability, or Forest Rights Act status, wherever applicable.
  • The existing house of the applicant is geo-tagged and uploaded on the Rural Housing Portal before the sanction of the new house.
  • The Collector-cum-District Magistrate scrutinises the list of eligible beneficiaries and submits the proposal to the Panchayati Raj & Drinking Water Department for approval.
  • The list of beneficiaries, physical and financial progress of the scheme will be reflected district / block-wise on the website, i.e. https://rhodisha.gov.in/ for public view. - The housing assistance is released directly to the beneficiary’s bank account through Direct Benefit Transfer, based on verified construction milestones.

Clarifications

Additional points from the scheme information published on myScheme (not legal advice).

What is the objective of this scheme component Construction of New House?

The scheme aims to support eligible beneficiaries in constructing a permanent residential house by providing financial assistance, subsidies, or access to affordable housing-related support.

Who can apply for assistance for construction of a new house?

Individuals or families who do not own a pucca house and meet the eligibility conditions prescribed under the relevant housing scheme can apply.

Is the assistance available for construction on owned land?

Yes, assistance is generally provided for the construction of a new house on land legally owned by the applicant, subject to verification.

What type of financial support is provided under the scheme?

Support may be provided in the form of direct financial assistance, subsidies, or instalment-based funding linked to construction progress.

Are there any income criteria for availing the benefit?

Yes, applicants are usually required to fall within specified income limits as defined under the applicable housing scheme guidelines.

Is beneficiary contribution required for house construction?

In some cases, beneficiaries may be required to contribute a portion of the construction cost, depending on scheme norms.

How is the assistance amount released?

The assistance is typically released in phases based on the completion stages of house construction and physical verification.

Can the assistance be used for renovation or extension of an existing house?

No, the scheme is intended for the construction of a new house. Renovation or extension is usually covered under separate schemes, if applicable.

What documents are generally required to apply?

Applicants are usually required to submit identity proof, address proof, land ownership documents, an income certificate, and bank account details.

References

Guidelines
https://rh.odisha.gov.in/guidelines/Antyodaya_Gruha_Jojana_Guideline.pdf
Website
https://rh.odisha.gov.in/

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Frequently asked questions

What is the purpose of Antyodaya Gruha Yojana: Construction of New House?
Antyodaya Gruha Yojana: Construction of New House is a government welfare initiative designed to support Family, Family, Individual through benefits related to Agriculture,Rural & Environment, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for Antyodaya Gruha Yojana: Construction of New House?
Eligibility for Antyodaya Gruha Yojana: Construction of New House may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
What benefits are offered under Antyodaya Gruha Yojana: Construction of New House?
Benefits under Antyodaya Gruha Yojana: Construction of New House may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
Which department manages Antyodaya Gruha Yojana: Construction of New House?
Antyodaya Gruha Yojana: Construction of New House is managed by Panchayati Raj Department and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
Can users apply online for Antyodaya Gruha Yojana: Construction of New House?
Yes, eligible applicants may be able to apply online for Antyodaya Gruha Yojana: Construction of New House through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for Antyodaya Gruha Yojana: Construction of New House?
Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
Where can users apply for Antyodaya Gruha Yojana: Construction of New House?
Applications for Antyodaya Gruha Yojana: Construction of New House may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
What documents may be required for Antyodaya Gruha Yojana: Construction of New House?
Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
Is income certificate required for Antyodaya Gruha Yojana: Construction of New House?
Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Antyodaya Gruha Yojana: Construction of New House.
Is Antyodaya Gruha Yojana: Construction of New House available in all states?
No, Antyodaya Gruha Yojana: Construction of New House is primarily available for eligible residents of Odisha and may be implemented through state government departments and local administrative offices.
Can residents outside Odisha apply for Antyodaya Gruha Yojana: Construction of New House?
Eligibility for Antyodaya Gruha Yojana: Construction of New House is generally limited to residents of Odisha unless otherwise specified in the official scheme guidelines.
Can small and marginal farmers apply for Antyodaya Gruha Yojana: Construction of New House?
Eligible small and marginal farmers may apply for Antyodaya Gruha Yojana: Construction of New House subject to land ownership records, income eligibility, and agricultural beneficiary criteria.
Does Antyodaya Gruha Yojana: Construction of New House provide subsidy support for farmers?
Antyodaya Gruha Yojana: Construction of New House may provide agricultural subsidies, financial assistance, crop support, irrigation benefits, insurance coverage, or farming-related welfare assistance depending on the scheme structure.
Can CSC centres help users apply for Antyodaya Gruha Yojana: Construction of New House?
Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
How can users check the latest updates for Antyodaya Gruha Yojana: Construction of New House?
Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
Can beneficiaries track application status for Antyodaya Gruha Yojana: Construction of New House?
Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
Where can users get help for Antyodaya Gruha Yojana: Construction of New House in Odisha?
Users in Odisha may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
Which nearby public services may help with Antyodaya Gruha Yojana: Construction of New House applications?
Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.