Life has been a bit too harsh on 50-year-old Kalavati Bisne at Mangli Dewahada village in Vidarbha's Bhandara district in Maharashtra. Speech and hearing impaired, she has no one to look after her, forcing her to work as a daily wager to survive. This year, she lost her dilapidated house in the floods. To add insult to injury, her name has now featured in the list of the Below Poverty Line or BPL families who will not get the benefits of Indira Aawas Yojna, the Centre's flagship housing scheme, this year.