इंदिरा आवास योजना प्रामुख्याने कोणत्या प्रकारच्या गृह निर्मितीस प्रोत्साहन देते ?

The correct answer is Option C (Rural Housing).

Key Points:
• Correct Option Evaluation: The correct answer is option (3) Rural Housing.
• Indira Awaas Yojana (IAY):
• Concept & Objective: Launched as a sub-scheme of RLEGP in 1985-86 and later restructured as an independent flagship central scheme in 1996, Indira Awaas Yojana was designed to provide financial assistance for construction of houses to Below Poverty Line (BPL) rural households belonging to Scheduled Castes (SCs), Scheduled Tribes (STs), and freed bonded laborers.
• Focus Area: It focused exclusively on Rural Housing, helping rural poor build durable dwelling units with basic amenities.
• Analysis of Other Options: Urban housing is covered under schemes like Pradhan Mantri Awas Yojana (Urban) or earlier JNNURM, whereas IYJ was strictly rural. It has now been revamped as Pradhan Mantri Awaas Yojana - Gramin (PMAY-G).
• Exam Insight: IAY emphasized beneficiary-led construction, ensuring women ownership or joint ownership of the houses to promote gender empowerment.
• Key Takeaway: Indira Awaas Yojana (IAY) primarily promotes rural housing for BPL families.