HOUSING SCHEMES FORM 1952 TO 2018 AND THEIR OBJECTIVES

1952: COMMUNITY DEVELOPMENT PROGRAMME (CDP)

OBJECTIVES : OVERALL DEVELOPMENT OF RURAL AREAS AND PEOPLE’S PARTICIPATION.

1960-61: INTENSIVE AGRICULTURE DEVELOPMENT PROGRAM (IADP)

OBJECTIVES : TO PROVIDE LOAN FOR SEEDS AND FERTILIZERS TO FARMERS.

1964-65: INTENSIVE AGRICULTURE AREA PROGRAMME (IAAP)

OBJECTIVES : TO DEVELOP SPECIAL HARVEST IN AGRICULTURE AREA.

1965 : Credit Authorization Scheme (CAS)

OBJECTIVES : Involved qualitative credit control of reserve bank of India.

1966-67: High yielding variety programme (HYVP)

OBJECTIVES : To increase the productivity of food grains by adopting latest varieties of inputs of crops.

1966-67: Green Revolution

OBJECTIVES : To Increase productivity. Confined to wheat production.

1969: Rural Electrification Corporation

OBJECTIVES : To provide electricity in rural areas.

1972 : Scheme of Discriminatory Interest Rate

OBJECTIVES : To provide loan to the weaker sections of society at a concessional interest rate of 4%.

1972-73 : Accelerated Rural water Supply Programme (ARWSP)

OBJECTIVES : Providing drinking water in villages.

1973: Drought Prone Area Programme

OBJECTIVES : Protection from drought by achieving environement balace and by developing ground
water.

1973: Crash Scheme for Rural Employment CSRE

OBJECTIVES : For rural employment.

1973-74 : Marginal Farmer and Agriculture Labor Agency (MFALA)

OBJECTIVES : Technical & financial assistance to marginal farmers.

1974-75: Small Farmer Development Scheme SFDS

OBJECTIVES : Technical & financial assistance to small farmers.

1975: Command Area Development Programme(CADP)

OBJECTIVES : Better utilization of irrigational capacities.

1975: Twenty Point Programme (TPP)

OBJECTIVES : Poverty eradication and an overall objective of raising the level living.

1977: National Institution of Rural Development

OBJECTIVES : Training, investigation and advisory for rural development.

1977-78 : Desert Development Programme: (DDP)

OBJECTIVES : To control the desert expansion by maintaining environment balance.

1977-78: Food For Work Programme

OBJECTIVES : providing food grains to labor.

1977-78 : Antyodaya Yojna

OBJECTIVES : Scheme of Rajasthan, providing economic assistance to poorest families.

1979 : Training Rural Youth for Self Employment TRYSEM (launched on 15th August)

OBJECTIVES : educational and vocational training.

1980 : Integrated Rural Development Programme :IRDP (launched on October 2, 1980)

OBJECTIVES : overall development of rural poor.

1980 : National Rural Development programme NREP

OBJECTIVES : employment for rural manforce.

1982 : Development of Women & Children in Rural Areas (DWCRA)

OBJECTIVES : sustainable opportunities of self employment to the women belonging to the rural familie
who are living below the poverty line.

1983 : Rural Landless Employment Guarantee Programme (RLEGP) (Launched on August 15)

OBJECTIVES : employment to landless farmers and laborers.

1983-84: Farmers Agriculture Service Centers FASCs

OBJECTIVES : Tell the people use of improved instruments of agriculture.

1984 : National Fund for Rural Development

OBJECTIVES : To grant 100% tax rebate to donors and also to provide financial assistance for rural
development project.

1985: Comprehensive Crop Insurance Scheme

OBJECTIVES : Crop Insurance.

1986: Council of Advancement of People’s Action & Rural Technology (CAPART)

OBJECTIVES : Assistance to rural people.

1986: Self Employment Programme for the Poor SEPUP

OBJECTIVES : Self employment through credit and subsidy.

1986: National Drinking Water Mission

For rural drinking water renamed and upgraded to Rajiv Gandhi National Drinking Water Mission in 1991.

1988: Service Area Account

OBJECTIVES : Rural Credit.

1989: Jawahar Rozgar Yojna : JRY

OBJECTIVES : Employment to rural unemployed.

1989: Nehru Rozgar Yojna NRY

OBJECTIVES : Employment to Urban unemployed.

1990: Agriculture & Rural Debt Relief Scheme: ARDRS

OBJECTIVES : Exempt Bank loans up to Rs. 10000 for rural artisans and weavers.

1990: Scheme for Urban Micro Enterprises SUME

OBJECTIVES : Assist urban small entrepreneurs.

1990: Scheme of Urban wage Employment SUWE

OBJECTIVES : Scheme for urban poor’s.

1990: Scheme of Housing and Shelter Upgradation (SHASU)

OBJECTIVES : Providing employment by shelter Upgradation.

1991: National Housing Bank Voluntary Deposit Scheme

OBJECTIVES : Using black money by constructing low cost housing for the poor.

1992: National Renewal Fund

OBJECTIVES : This scheme was for the employees of the public sector.

1993: Employment Assurance Scheme (EAS) (Launched on October, 2)

OBJECTIVES : Employment of at least 100 days in a year in villages.

1993: Members of parliament Local Area Development Scheme MPLADS (December 23, 1993)

OBJECTIVES : Sanctioned 1 crore per year for development works.

1994: Scheme for Infrastructural Development in Mega Cities : SIDMC

OBJECTIVES : Water supply, sewage, drainage, urban transportation, land development and

improvement slums projects in metro cities.

1993: District Rural Development Agency DRDA

OBJECTIVES : Financial assistance to rural people by district level authority.

1993 : Mahila Samridhi Yojna (October 2, 1993)

OBJECTIVES : Encourage rural women to deposit in Post office schems.

1994 : Child labor Eradication Scheme

OBJECTIVES : Shift child labour from hazardous industries to schools.

1995: prime Minister Integrated Urban Poverty Eradication programme PMIUPEP

OBJECTIVES : To eradicate urban poverty.

1995 : Mid day Meal Scheme

OBJECTIVES : Nutrition to students in primary schools to improve enrolment, retention and

attendance.

1996: Group Life Insurance Scheme for Rural Areas

OBJECTIVES : Insurance in rural area for low premium.

1995: national Social Assistance programme

OBJECTIVES : Assist BPL people.

1997-98; Ganga Kalyan Yojna

OBJECTIVES : Provide financial assistance to farmers for exploring ground water resources.

1997 : Kastoorba Gandhi Education Scheme: (15 August 1997)

OBJECTIVES : Establish girls schools in low female literacy areas (district level).

1997: Swaran Jayanto Shahari Rojgar Yojna

OBJECTIVES : Urban employment.

1998: Bhagya Shree Bal Kalyan Policy

OBJECTIVES : Upliftment of female childs.

March 1999 : Annapurna Yojna

OBJECTIVES : 10 kgs food grains to elderly people.

April 1999: Swaran Jayanto Gram Swarojgar Yojna

OBJECTIVES : Self employment in rural areas.

April 1999: Jawahar Gram Samriddhi Yojna

OBJECTIVES : Village infrastructure.

August 2000 : Jan Shree Bima Yojna

OBJECTIVES : Insurance for BPL people.

2000 : Pradhan Mantri Gramodaya Yojna

OBJECTIVES : Basic needs of rural people.

December 25, 2000 : Antyodaya Anna Yojna

OBJECTIVES : To provide food security to poor.

December 25, 2000 : Pradhan Mantri Gram Sadak Yojna

OBJECTIVES : Connect all villages with nearest pukka road.

September 2001: Sampoorna Grameen Rozgar Yojna

OBJECTIVES : Employment and food security to rural people.

December 2001: Valmiki Ambedkar Awas Yojna VAMBAY

OBJECTIVES : Slum houses in urban areas.

2003: Universal health Insurance Scheme

OBJECTIVES : Health insurance for Rural people.

2004: Vande mataram Scheme VMS

OBJECTIVES : Initiative of public Private partnership during pregnecy check up.

2004: National Food for Work programme

OBJECTIVES : Supplementary wage as foodgrains for work.

2004: Kastoorba Gandhi Balika Vidyalaya

OBJECTIVES : Setting up residential schools at upper primary levels for girls belonging to predominantly
OBC, SC & ST.

2005: Janani Suraksha Yojna

OBJECTIVES : Providing care to pregnant women.

2005, Dec. 16 : Bharat Nirman

OBJECTIVES : Development of India through irrigation, Water supply, Housing, Road, Telephone and
electricity.

2005: National Rural Health Mission

OBJECTIVES : Accessible, affordable, accountable, quality health survices to the porest of the poor on
remotest areas of the country.

2005: Rajeev Gandhi Grameen Vidyuti Karan Yojna

OBJECTIVES : Extending electrification of all villages and habitations and ensuring electricity to every
household.

2005: Jawahar Lal Nehru national Urban Renewal Mission: (JNNURM)

OBJECTIVES :
2006: February 2 : National Rural Employment Guarantee Scheme NREGS

OBJECTIVES : 100 days wage employment for development works in rural areas.

2007: Rastriya Swasthya Bima Yojna

OBJECTIVES : Health insurance to all workers in unorganized area below poverty line.

2007: Aam Aadmi Bima Yojna

OBJECTIVES : Insurance cover to the head of the family of rural landless households in the country.

2009: Rajiv Awas Yojna

OBJECTIVES : To make India slum free in 5 years.

To keep pace with the rising housing demands in the country, the Indian government has encouraged special

housing schemes which also focuses on financially supporting the buyers of various sections of the society

with interest subsidies on home loans. The central government has ambitious plans of providing affordable

housing to people under the Housing for All by 2022 or ‘Pradhan Mantri Awas Yojana’ and is thus making

efforts to boost the construction activities.

Let us take a look at these housing schemes which have garnered the attention of many homebuyers:

Pradhan Mantri Awas Yojana (PMAY) (Urban)

Also called the Housing For All scheme, PMAY was launched in 2015 and aims to deliver houses for the

homeless by 2022. While the centre is offering assistance to all states and UTs, it will also provide home

loan interest subsidy for those buying their first home in urban areas. Under the scheme, the government

will provide interest subsidy of three to four per cent for a home loan amount of up to Rs 9 lakh and Rs 12

lakh. So far, over 3 lakh homes under PMAY (urban) have been constructed against a target of 40.6 lakh

by 2022.

Pradhan Mantri Gramin Awaas Yojana

Previously known as Indira Awas Yojna, this scheme focuses on providing pucca houses with basic

amenities to homeless families. The objective is to build one crore homes of 25 sqm by 2022. The

government provides financial assistance by sharing the cost of construction with the state in the ratio of
60:40 in plain areas and 90:10 for north eastern and hilly areas. The cost for the unit assistance of Rs 1.2

lakh is also provided to the beneficiary belonging to households without shelter, destitute/living on alms,

manual scavengers, tribal groups and legally released bonded labour. So far, about 28.8 lakh homes have

been constructed against a target of 1 crore by 2022.

Rajiv Awas Yojna

Launched in 2009, the Rajiv Awas Yojana (RAY) envisages a slum-free India and encourages state and

union territories (UT) to bring all illegal constructions within a formal system. To increase the affordable

housing stock under the scheme, the Centre has approved the Affordable Housing in Partnership (AHP)

scheme to be part of the RAY. The scheme also provides support of Rs 75,000 per economically-weaker

sections (EWS), Dwelling Units (DUs) of the size of 21 to 40 sqm. So far, over Rs 1,398 crore has been

spent while nearly 46,000 houses have been developed under the scheme.

Not just Centre, states are also working towards launching affordable housing for people. Here are some

state-run housing scheme:

Delhi Development Authority Housing Scheme, 2018

The Housing Scheme 2018 by the Delhi Development Authority (DDA) will be launched in December

which will offer 20,987 fresh units. Of these total units, 488 units will be three-bedroom apartments for the

high-income group (HIG); 579 units for the middle-income group; and 16,296 units for the low-income

group (LIG) while 3,624 units will be reserved for the economically-weaker section. These modern 1,2 and

3BHK houses, accompanied with amenities, will be built across Vasant Kunj, Dwarka, Siraspur, Narela

and Rohini. The price range for the units, bigger in size than before, have not yet been finalised. The scheme

is linked to the credit linked scheme 2018 under PMAY.

Tamil Nadu Housing Board Scheme (TNHB)

The Tamil Nadu Housing Board (TNHB) developed into a full-fledged organisation in 1961 to fulfill the

growing housing needs by providing shelter to people of various income groups. This time, the board has

launched three housing schemes at different locations - KK Nagar Division, Ambattur and MKB Nagar -

for the sale of affordable housing units for lower income groups and middle-income groups. Most of the
floors in this scheme which is launched under the central sponsorship Pradhan Mantri Awas Yojana, are

available for the ON category. There are 406 flats available in TNHB KK Nagar Division housing system

for LIG and MIG buyers.

Under a new residential plot scheme, the TNHB has invited applications from the middle-income group for

allocation of 47 plots in Sevvapet Phase III scheme. These plots, ranging from 1,406 square meters to 2,660

sqms, are located near Chennai Thiruvallur National Highway. The price ranges between Rs 9.14 lakh and

Rs 14.29 lakh.

Under TNHB’s Self Finance Scheme, a total of 506 flats of 2BHK sizes will be available for sale.

Under the Ambattur housing scheme, J J Nagar Division, 1,494 floors are available on 14-story platforms

for the lower income group. The houses are 2BHK units sized at 614 sqft (or 58.2 sqms). The project is in

Ambattur Scheme Phase IV, Chennai. The request is invited on a first-come-first-serve basis.

Maharashtra Housing And Area Development Authority (MHADA), 2018

A lottery scheme by MHADA is launched every year wherein affordable homes are allotted for buyers from

different income groups, based on lottery draw results. This year, the lottery process is expected to take

place in August. There will be 1,000 units on offer, 60 per cent of which will be reserved for the poorer

sections. These housing units will range in price between Rs 15.35 lakh and Rs 1.42 crore and will be

available in localities namely Borivli, Ghatkopar, Mulund, Mankhurd, Goregaon and Vikhroli.

NTR Urban Housing Scheme

The Andhra Pradesh government has set a target of building 19 lakh houses before the elections. It has

approved 1,02,977 more houses under the NTR Urban Housing Scheme 2017-18. These homes will be

linked with the PMAY- Housing for all (Urban) scheme to secure subsidy, with the centre approving Rs

1,544.66 crore for construction across 84 urban local bodies (ULBs) in Srikakulam, East Godavari, West

Godavari, Krishna, Guntur, Prakasam, Nellore, Chittoor, Kadapa and Anantapur districts. Each house will

cost Rs 3.5 lakh and the centre will offer Rs 1.5 lakh and the state government will offer Rs 1 lakh. The

beneficiaries will be given a loan worth Rs 75,000 and will only contribute Rs 25,000.

The state’s objective is to build 13,66,557 houses in rural areas and 5,39,286 houses in urban areas by

investing a sum of Rs 56,000 crore.

ECBC
 With the background of high energy saving potential and its benefits bridging the gap between
demand and supply, reducing environmental emissions through energy saving and to effectively
over come the barrier the Govt. of India has enacted the Energy Conservation Act, 2001.
 The Act provides the much needed legal framework and institutional arrangement for embarking on
an energy efficiency drive.
 This includes Energy Conservation Building Code.
 The Act empowers Govt. of India and State Governments to modify ECBC as per climatic conditions
of states. And to notify the code in Govt. gazette to make it mandatory for commercial buildings
having a connected load of
 500 kW or maximum demand of 600 kVA or above or
 1000 sq. m of air conditioned area.

Purpose

 The purpose of this code is to provide minimum requirements for energy- efficient design and
construction of buildings.
 Building sector -33%
 Commercial sector -8%
 Residential sector-25%
 ECBC compliance building –can save 40 to 60% electricity Nation wide mandatory compliance- 1.7
billion KWH
 Its a first step towards Energy conservation Developed after extensive research work Considered
comfort conditions
 Helpful for persons involved in design and construction of ECBC compliant buiding

Scope

 Applicable to building complexes having connected load of 500KW or greater or a contract demand
of 600KVA or greater.
 Buildings or complexes having conditioned area of 1000 sq m or more
 It’s a voluntary adoption in the country
 Shall become mandatory after gazette notification by any state or central government.

Applicable to buildings

 Minimum energy performance standards for design and construction be prescribed.

 Applies to new construction and major renovation.
 Building components included
 Building Envelope (Walls, Roofs, Windows) Interior and exterior Lighting.
 HVAC system Service water heating and pumping.
 Electrical Systems (Power factor, Tramsformer).
NBC

The National Building Code of India (NBC), (a comprehensive building Code), is a national instrument
providing guidelines for regulating the building construction activities across the country.

It serves as a Model Code for adoption by all agencies involved in building construction works be they
Public Works Departments, other government construction departments, local bodies or private
construction agencies. What is National building code

History and Overview -National building code

In 1968 A Report on Economies in Construction Cost’ was published by planning commission. It revealed
that building bylaws and regulations and some of the prevailing methods of construction were
outmoded; some designs were over burdened with safety factors; building bylaws of municipal bodies
were outdated etc.

These studies resulted in a recommendation that a NATIONAL BUILDING CODE be prepared to unify the
building regulations throughout the country.