CHAPTER NO.

ANALYSIS AND INTERPRETATION OF DATA

Topics

6.1 Introduction

6.2 Questionnaire

6.3 General Information about CIDCO Housing

6.3.1 Total residential houses built in Navi Mumbai.

6.3.2 Comparison of Year wise Constructions of houses by CIDCO

and Private Builders in Navi Mumbai

6.3.3. Total Number of houses for EWS, LIG, MIG and HIG

6.3.4 Year wise construction of houses for EWS and LIG

6.3.5 Year wise construction of houses for MIG

6.3.6 Year wise construction of houses for HIG

6.3.7. Year wise Comparison of EWS, LIG, MIG and HIG

6.3.8 Node wise construction of houses for EWS and LIG

6.3.9 Node wise construction of houses for MIG

6.3.10 Node wise construction of houses for HIG

6.3.11. Node wise total constructions

6.4. CIDCO housing scheme beneficiaries.

6.4.1 Beneficiaries of EWS and LIG staying in Hut, Chawl, Rental and

231
 Housing society before buying CIDCO house.

6.4.2 Beneficiaries of MIG staying in Hut, Chawl and Housing society

before buying CIDCO house.

6.4.3 Market rate and CIDCO rate at the time of purchase

6.4.4 Beneficiaries Views on CIDCO Prices

6.4.5 Number of beneficiaries availed loan facility

6.4.6 Administrative Procedure of CIDCO

6.4.7 Beneficiaries Views on Administrative Co-operation from CIDCO

Staff

6.4.8 Beneficiaries Views on Documentation Requirement for buying

CIDCO House

6.4.9 Quality of construction of CIDCO housing projects

6.4.10 Source of information of CIDCO housing scheme

6.4.11 Standard of living

6.4.12 Need of CIDCO Housing Scheme

6.5 Cluster Development Scheme:

6.5.1 Awareness of Cluster development scheme

6.5.2 Number of villagers knowing details of Cluster Development Scheme

6.5.3 Sources of information about Cluster scheme

6.5.4 Need of Cluster Scheme for Villages

6.5.5 Whether Cluster Development Scheme should be implemented or not

232
 CHAPTER NO. 6

ANALYSIS AND INTERPRETATION OF DATA

6.1 Introduction:

The data collected through questionnaire has to be processed and analyzed for arriving at

relevant conclusions. The collected data has to be tabulated, classified, edited and then analyzed

to arrive at conclusions.

The City and Industrial Development Corporation of Maharashtra (CIDCO) is a city planning

organization created by the Government of Maharashtra. The CIDCO was formed for the

purpose of creation of a new city called as ‘Navi Mumbai’. Besides Navi Mumbai, CIDCO

operates successfully in Aurangabad, Nashik, Latur and Nanded in Maharashtra state. The

present study is limited to Navi Mumbai city only. Navi Mumbai has total 14 nodes. The data

related to housing scheme is collected from ten major and developed nodes which are Airoli,

Ghansoli, Koparkhairne, Vashi, Sanpada, Nerul, CBD Belapur, Kharghar, Kalamboli and Ulwe a

developing node. Till today, there are around 1,25,000 beneficiaries of CIDCO’s housing

scheme. The primary data is collected from 500 of such beneficiaries.

There are 95 villages of PAP in Navi Mumbai. The primary data is also collected from 10

villages out of 95. The proposed cluster scheme is expected to be implemented in Karave village

of Nerul node and then the scheme will be expanded to other villages around Karave village.

Hence the researcher has collected primary data from Karave village, Nerul village, Sanpada

village, Turbhe village, Vashi village, Bonkode village, Koparkhairne village, Ghansoli village,

Talawali village, Gothivali village, Airoli village, Belapur village, Kopri village, Kalamboli

village.

233
6.2 Questionnaire

Primary data is collected through questionnaire. Four different questionnaires were prepared for

four different stakeholders. Questionnaires were prepared to collect data from CIDCO

administrative staff, CIDCO housing scheme beneficiaries, PAP and members of CIDCO

housing societies.

Questionnaire to CIDCO administrative staff contain some general questions as well as questions

regarding working of CIDCO and its housing scheme. Questionnaire to CIDCO housing scheme

beneficiaries contain general information about them and questions relating to area, price of

house property owned under CIDCO lottery draw. Questionnaire to PAP contain some general

questions relating to Cluster Development scheme. And Questionnaire to members of housing

society contains some general questions as well as questions regarding housing society and its

feasibility.

6.3 General Information about CIDCO housing

The total construction of housing by private builders and CIDCO is analyzed in following

paragraphs. CIDCO’s constructions for higher income group, middle income group and lower

income group, impact of CIDCO’s housing on property rates is analyzed in flowing paragraphs.

The view of PAP towards proposed cluster development scheme is expressed in tabular and

graph form.

The data is collected from primary and secondary sources. Secondary data is collected from

CIDCO offices and websites. Primary data is collected from CIDCO officers, Beneficiaries of

CIDCO housing schemes, Members of Housing Societies and PAP.

234
Analysis of Secondary Data

6.3.1 Total residential houses built in Navi Mumbai.

Since formation of Navi Mumbai, housing constructions are made by CIDCO and Private

Builders in the city. Over the years, total numbers of houses built by CIDCO and private builders

are as follows:

Table No. 6.1

Total Construction of Residential Houses in Navi Mumbai till 2015

Builder Number of Houses Percentage

CIDCO 1,26,025 45.56%

Private 1,50,576 54.44%

Total 2,76,601 100%

(Source: CIDCO)

Graph No. 6.1

Construction of Residential Houses by CIDCO and Private Builders in Navi Mumbai

Construction of Houses

54.44%
45.56%
CIDCO
Private

235
Conclusion:

1. Over the years, CIDCO has constructed 46% of the houses in Navi Mumbai out of

total houses constructed in Navi Mumbai. CIDCO construction of houses is less

than private constructions.

2. The private builders have constructed 54% houses in Navi Mumbai.

3. CIDCO’s housing construction is less than the constructions by private builders.

This is one of the reasons for rising property rates in Navi Mumbai

6.3.2. Comparison of Year wise Constructions of houses by CIDCO and Private Builders in

Navi Mumbai

Over the years CIDCO has completed many housing projects in Navi Mumbai to fulfill

the rising need of housing in the city. But CIDCO is not the only supplier of housing stock in

Navi Mumbai. Private builders also played an important role in fulfilling the need of housing in

the city.

Table No. 6.2

Year wise construction of houses by CIDCO and Private Builders

Year Number of Houses Number of Houses Constructed by

Constructed by CIDCO Private Builders
Up to 1991 63,814 17,746

1991-2000 45,158 46,202

2001-2011 10,488 38,042

2012 onward 6,565 48,586

(Source: CIDCO)

236
 Graph No. 6.2

Year wise Construction of Houses by CIDCO and Private Builders

70000 63814

60000 46202
48586
50000 45158 38042 Number of Houses
Constructed by
40000 17746 CIDCO
30000
20000
10000 10488 Number of Houses
0 6565 Constructed by
Private Builders
Up to
1991 1991 -
2000 2000 -
2011 2011 After

Conclusion:

1. CIDCO started the development process in 1970 and constructed many houses to attract

the population to new city.

2. CIDCO constructions were around three times more than private builders till 1991. Till

this time the property rate were low.

3. During 1991 to 2000, CIDCO and private builder’s constructions were similar. Housing

construction share was almost 50:50 of both. During this period, the property rates were

affordable.

237
 4. After 2001 till 2011, CIDCO housing constructions were almost three times less than the

private builder’s housing constructions. This is the period when property rates were

climbing high in Navi Mumbai.

5. After 2012, almost about 90% of houses are constructed by private builders. CIDCO has

constructed only 6565 house, which is very less as private builder’s had constructed

48586 houses during the same period.

6. CIDCO construction of houses has fallen very sharply over the period of forty years.

During the same period, private builders have constructed more houses and charged high

prices.

6.3.3 Total Number of houses for EWS, LIG, MIG and HIG

CIDCO construct houses for all levels of income earner in the society. Some housing

schemes of CIDCO are specially meant for higher income group and some are specially meant

for economically weaker section of the society. In most of the housing projects, houses are made

for Lower and Middle income group together.

Table No. 6.3

Category wise total number of Houses constructed by CIDCO

Income Group Total Number of Houses Percentage

EWS and LIG 64,047 50.82 %

MIG 33,285 26.41 %

HIG 28,693 22.77 %

Total 1,26,025 100 %

(Source: CIDCO)
238
 Graph No. 6.3

Category wise Total Number of Houses Constructed by CIDCO

% of Houses

26.41% EWS and LIG

50.82% MIG
22.77%
HIG

Conclusion:

1. CIDCO construct houses for all.

2. Around 51% of the houses are meant for economically weaker section and lower income

group of the society. This helps to increase the standard of living of the people.

3. More than 26% of the houses are distributed to middle income group of the society.

4. CIDCO has also able to attract higher class people by constructing around 23% of the

houses for them.

239
6.3.4 Year wise construction of houses for EWS and LIG

CIDCO build houses for economically weaker section and lower income group of the

society. To fulfill the objective of ‘Shelter for all’, CIDCO has completed various housing

projects for poor section of the society. In most of the housing projects, Houses for EWS, LIG

and MIG are build together. Same way CIDCO has developed some special projects only for

EWS and LIG like Simplex housing project for Mathadi workers of Navi Mumbai.

Table No. 6.4

Year wise construction of houses by CIDCO for EWS and LIG

Years Number of EWS and LIG houses Percentage

Up to 1980 4,789 7.48%

1981-1985 15,028 23.46%

1986-1990 14,601 22.80%

1991-1995 13,048 20.37%

1996-2000 6,389 9.98%

2001-2007 7,624 11.90%

2010-2014 2,568 4.01%

Total 64,047 100%

(Source: CIDCO)

240
 Graph No. 6.4

Year wise Construction of Houses by CIDCO for EWS and LIG

Number of EWS and LIG

16,000
14,000
15,02814,601
12,000
13,048
10,000
8,000
6,000 7,624 Number of EWS and
4,000 6,389
4,789 LIG
2,000
0 2,568

Conclusion:

1. Till today CIDCO has constructed total 64,047 houses for economically weaker section

and lower income group of society.

2. During the period of 15 years from 1981 to 1995, CIDCO construct around 2/3rd of the

houses for poor out of their total construction over the years.

3. After 1995, the construction of housing for poor is showing reducing trend.

4. During last four years from 2010 to 2014, CIDCO has constructed only 4% of the houses

out of total houses constructed over the years.

6.3.5 Year wise construction of houses for MIG

CIDCO has also constructed houses for residents of Navi Mumbai falling under Medium

Income Group.

241
 Table No. 6.5

Year wise construction of houses by CIDCO for MIG

Years Number of MIG houses Percentage

Up to 1980 203 0.61%

1981-1985 16,379 49.21%

1986-1990 2,164 6.50%

1991-1995 6,516 19.58%

1996-2000 5,290 15.89%

2001-2007 1,931 5.80%

2010-2014 802 2.41%

Total 33,285 100%

(Source: CIDCO)

Graph No. 6.5

Year wise Construction of Houses by CIDCO for MIG

Number of MIG
18000 16,379
16000
14000
12000
10000
8000 6,516
5,290
6000 Number of MIG
4000 2,164 1,931
2000 203 802
0

242
Conclusion:

1. Till today, CIDCO has constructed total 33,285 houses for middle income group of

society. Of which around 50% of which has been constructed before 1985.

2. After 1985, CIDCO housing construction for middle income group reduces to a large

extent.

3. During 2010 to 2014, only 802 houses constructed for middle income group.

6.3.6 Year wise construction of houses for HIG

The object behind formation of Navi Mumbai was to provide alternative accommodation

for the new immigrant in Mumbai as well as to shift the population of Mumbai to new city. The

new city is home for all categories of income earner. CIDCO has completed some housing

projects exclusively made for higher income group of society.

Table No. 6.6

Year wise construction of houses by CIDCO for HIG

Years Number of HIG houses Percentage

Up to 1980 1,732 6.04%

1981-1985 6,263 21.83%

1986-1990 2,655 9.25%

1991-1995 8,253 28.76%

1996-2000 5,662 19.73%

2001-2007 3,706 12.92%

2010-2014 422 1.47%

Total 28,693 100%

(Source: CIDCO)

243
 Graph No. 6.6

Year wise Construction of Houses by CIDCO for HIG

Number of HIG
9,000
8,000 8,253
7,000
6,000 6,263
5,662
5,000
4,000 3,706
3,000 2,655
2,000 Number of HIG
1,732
1,000
0 422

Conclusion:

1. Construction of houses for higher income group was high during 1991 to 1995. CIDCO

constructed more than 28% of houses during this period.

2. After 1995, there is contentious reduction in construction oh house for higher income

group.

3. During 2010 to 2014, CIDCO constructed only 422 houses for higher income earners.

244
6.3.7. Year wise Comparison of EWS, LIG, MIG and HIG

Graph No. 6.7

Year wise Comparison of EWS, LIG, MIG and HIG

18,000
16,000
14,000
Number of EWS and LIG
12,000
10,000 Number of MIG
8,000 Number of HIG
6,000
4,000
2,000
0

Conclusion:

1. In the initial stage during 1981 to 1985, CIDCO construct maximum housing projects for

all categories of income earners.

2. After 1995, there is fall in construction of CIDCO houses of all types.

6.3.8 Node wise construction of houses for EWS and LIG

CIDCO divided the city into 14 nodes and started the development process in phase

manner. Initially Vashi and Nerul nodes were selected for development. CIDCO started the

245
process by constructing the houses for economically weaker section and lower income groups.

After Vashi and Nerul, CIDCO extended the work to other nodes.

Table No. 6.7

Node wise construction of houses by CIDCO for EWS and LIG

Node Number of EWS and LIG Percentage

Airoli 7,163 11.18%

Ghansoli 9,499 14.83%

Vashi 9,367 14.63%

Koparkhairne 11,827 18.47%

Sanpada 1,816 2.84%

Nerul 7,282 11.37%

CBD Belapur 948 1.48%

Kharghar 5,965 9.31%

Kalamboli 5,223 8.15%

New Panvel 3,533 5.52%

Dronagiri 1,424 2.22%

Total 64,047 100%

(Source : CIDCO)

246
 Graph No. 6.8

Node wise Construction of Houses by CIDCO for EWS and LIG

Number of EWS and LIG

Number of EWS and LIG

15,000
11,827
9,4999,367
10,000 7,163
7,282
5,000 5,965
5,223
1,816 3,533
0 948
1,424

Conclusion:

1. 26% of the total houses for EWS and LIG are constructed in Vashi and Nerul as these

two nodes were the first to begin the development process.

2. Around 45% of the houses are built in Koparkhairne, Ghansoli and Airoli. These three

areas have maximum population consisting of ‘Mathadi’ workers. In Ghansoli, ‘Simplex

Complex’ is specifically built for Mathadi workers.

3. CBD Belapur has minimum houses for EWS and LIG as this node is specifically

developed for business and trade.

247
6.3.9 Node wise construction of houses for MIG

India has highest population falling under middle income group category. CIDCO

construct the houses for attracting the middle income population to Navi Mumbai.

Table No. 6.8

Node wise construction of houses by CIDCO for MIG

Node Number of MIG Percentage

Airoli 2,410 7.24%

Ghansoli -- --

Vashi 5,560 16.70%

Koparkhairne 1,442 4.33%

Sanpada 3,089 9.28%

Nerul 7,888 23.70%

CBD Belapur 3,881 11.66%

Kharghar 2,253 6.77%

Kalamboli 3,296 9.90%

New Panvel 3,390 10.19%

Dronagiri 76 0.23%

Total 33,285 100%

(Source : CIDCO)

248
 Graph No. 6.9

Node wise Construction of Houses for MIG

Number of MIG

8,000 7,888
6,000 5,560
Number of MIG
4,000 2,410 3,089 3,881
2,000 1,442 3,296 3,390
0 2,253
0
76

Conclusion:

1. More than 40% of the total houses constructed by CIDCO are constructed in Nerul and

Vashi as these two are the oldest and biggest fully developed nodes of CIDCO.

2. No construction of houses for middle income group in Ghansoli and very few

constructions in Koparkhairne. CIDCO constructed houses only for EWS and LIG in

these nodes.

3. Dronagiri is yet to be fully developed.

249
6.3.10 Node wise Construction of Houses for HIG

Higher income group form a major part of population of Navi Mumbai. The credit goes

to CIDCO for constructing housing projects like Seawood Estate, Millennium Tower specifically

meant for higher income group.

Table No. 6.9

Node wise Construction of Houses for HIG

Node Number of HIG Percentage

Airoli 3,010 10.49%

Ghansoli -- --

Vashi 3,271 11.40%

Koparkhairne 566 1.97%

Sanpada 3,778 13.17%

Nerul 7,291 25.41%

CBD Belapur 3,397 11.84%

Kharghar 2,299 8.01%

Kalamboli 1,976 6.89%

New Panvel 2,733 9.52%

Dronagiri 372 1.30%

Total 28,693 100%

(Source : CIDCO)

250
 Graph No. 6.10

Node wise Construction of Houses for HIG

Number of HIG

8,000 Number of HIG

7,291
6,000
4,000 3,010 3,271 3,778
3,397
2,000 2,299
0 566 1,976 2,733
0
372

Conclusion:

1. 25% of the houses for HIG are built in Nerul node. ‘Seawoods Estate’ is the prestigious

project of CIDCO in Nerul node.

2. More than 13% of the houses for HIG are built in Sanpada node. ‘Millennium Tower’ is

famous in Sanpada node.

3. No houses for HIG in Ghansoli and very few houses in Koparkhairne.

6.3.11. Node wise total constructions

Following table shows node wise total construction of houses by CIDCO in Navi Mumbai. Out

of 14 nodes, CIDCO has completed housing projects in 11 nodes.

251
 Table No. 6.10

Node wise Total Construction

Node Number of Total Houses Percentage

Airoli 12,583 9.98%

Ghansoli 9,499 7.54%

Vashi 18,198 14.44%

Koparkhairne 13,835 10.98%

Sanpada 8,683 6.89%

Nerul 22,461 17.82%

CBD Belapur 8,226 6.53%

Kharghar 10,517 8.35%

Kalamboli 10,495 8.32%

New Panvel 9,656 7.66%

Dronagiri 1,872 1.49%

Total 1,26,025 100%

(Source : CIDCO)

252
 Graph No. 6.11

Node wise Total Constructions

25,000

20,000
7,291
Number of HIG
3,271
15,000
566 Number of MIG
5,560 1,442
3,010 7,888
10,000 0 2,299 1,976 Number of EWS and LIG
2,410 2,733
11,827
3,778 3,397 2,253 3,296
5,000 9,499 9,367 3,390
7,163 3,089 7,282 3,881 5,965 5,223
3,533 372
76
1,816 948 1,424
0

Conclusion:

1. Nerul and Vashi are the nodes which has maximum construction of houses by CIDCO for

all categories of income earners.

2. Ghansoli and koparkhairne nodes has maximum houses for economically weaker sections

and lower income groups.

3. Dronagiri node is in the process of development.

253
Analysis of Primary Data

6.4 CIDCO housing scheme beneficiaries.

Beneficiaries housing schemes are those applicants who have own house under computerized

lottery draw of CIDCO.

6.4.1 Beneficiaries of EWS and LIG staying on rental basis in Hut, Chawl, and housing

society before buying CIDCO house.

As a pre-condition, CIDCO houses are not allotted to those who have already owned any

residential property in the jurisdiction of Navi Mumbai. All the beneficiaries were tenants or

staying in the houses of their relatives before buying house under CIDCO housing scheme.

House under EWS and LIG are mainly consist of 1RK i.e. one room kitchen flats having around

300 sq.ft. built up area.

Table No. 6.11

Status of EWS / LIG Beneficiaries before Buying CIDCO House

Type of House before the scheme No. of Beneficiaries Percentage

Hut 138 39.4%

Chawl 121 34.6%

Other Housing Society 23 6.6%

Village 68 19.4%

Total 350 100%

(Source: Questionnaire)

254
 Graph No.6.12

Rental Houses of Beneficiaries before Buying of CIDCO House

Rental Houses of Beneficiaries before Buying of

CIDCO House

6.60% 19.40%
34.60% Hut
Chawl
39.40%
Other Housing Society
Village

Conclusion

1. 39% of the beneficiaries were staying in hutments of Navi Mumbai

2. 35% of the beneficiaries were staying in chawls. Almost 3/4th of the beneficiaries were

staying in Hutments and Chawls.

3. 19.4% of the beneficiaries were staying in villages on rent basis. Navi Mumbai villages

are very congested and are very similar to hutments.

4. Only 6.6% of the beneficiaries were staying in other housing societies on rental basis

before getting the benefit of the scheme.

5. Almost 94% of the houses under EWS and LIG are allotted to poor people staying in

below poverty line area.

255
6.4.2 Beneficiaries of MIG staying in Hut, Chawl and Housing Society before Buying House

under CIDCO Housing Scheme.

Houses under MIG mainly includes 1BHK flats i.e. One Bed Room Kitchen flats having

around 500 sq.ft. built up area. As per the income range decided by CIDCO, such 1BHK flats are

normally purchased by Medium Income Group.

Table No. 6.12

Status of MIG Beneficiaries before Buying CIDCO House

Type of House before the scheme No. of Beneficiaries Percentage

Hut 05 3.3%
Chawl 48 32%
Other Housing Society 67 44.7%
Village 30 20%
Total 150 100%

Graph No. 6.13

Rental Houses of MIG Beneficiaries before Buying CIDCO House

Rental Houses of MIG Beneficiaries before Buying

CIDCO House

20% 3.30%
32% Hut
Chawl
44.70%
Other Housing Society
Village

256
Conclusion:

1. 45% of the buyers from Medium Income Group category were staying in other housing

societies before buying the house under CIDCO scheme.

2. 52% of the beneficiaries were staying in villages and chawls.

3. Only 3.30% beneficiaries of the scheme were residing in were huts as they are not falling

under Medium Income Group category.

6.4.3 Market rate and CIDCO rate at the time of purchase

CIDCO follows its own pricing policy to decide the per square foot rate for their housing

projects. Per square feet rate of CIDCO houses is decided by considering the land price,

construction cost and some other relevant overheads. The land price is based on some percentage

of Reserve price.

CIDCO charges different Land price is different for income categories. Hence the per square foot

rate of CIDCO housing is not based on or influence by market rates. The market rate which is

charged by private builders is different than CIDCO’s rate.

Following table shows property rate comparison between CIDCO and Private builders in Navi

Mumbai.

257
 Table No. 6.13

Rate Comparison

Housing Year of Node Type Carpet Price of CIDCO Market per Sq. Ft.

Project sale of Area in House per Sq. rate of property at the

of Hous Sq. Ft. Charged Ft. rate time of purchase

CIDCO e by CIDCO
Minimum Maximum

MIG 609.34 69,68,302 11,436 6,488 10,056

Valley October
1 Kharghar
Shilp 2016
HIG 1024.51 135,18,117 13,195 6,488 10,056

KH1 216.785 12,62,671 5,825 6,488 10,056

Vastuvih
KH2 382.334 22,29,168 5,830 6,488 10,056
ar & October
2 Kharghar
Celebrat 2016
KH3 463.494 40,31,424 8,698 6,488 10,056
ions
KH4 852.286 74,90,654 8,789 6,488 10,056

UL1 209.896 14,07,780 6,707 5,059 7,105

October
3 Unnati Ulwe
2016
UL2 320.226 24,16,004 7,545 5,059 7,105

EWS 308.17 15,78,300 5,122 6,488 10,056

Swapna Septemb
4 Kharghar
purti er 2014
LIG 369.85 23,93,000 6,470 6,488 10,056

258
Notes:-

i. The prices shown above are for houses offered for sale by CIDCO during September and

October 2016.

ii. The above CIDCO prices are exclusive of Share certificate fees, Documentation fees,

Water connection charges, Electricity supply basic development charges, service fees and

maintenance charges.

iii. The prices are taken from the marketing booklet issued by Marketing department of

CIDCO and per sq.ft. rate is calculated by dividing the price by carpet area.

iv. The prices charged by CIDCO for the first floor flat are taken into account as the rate per

sq.ft. of flat increases for the flats above sixth floor.

v. Market rates for the same period, for the same node are taken from Magicbricks.com.

Graph No.6.14

CIDCO EWS, KH1 and UL1 Housing Rate Comparison with Maximum and Minimum
Market Rate

12,000

10,000

8,000
Maximum Rate
6,000
Minimum Rate
4,000 CIDCO Rate

2,000

0
EWS KH1 UL1

259
Conclusions:

1. CIDCO Housing rates are below the Minimum Market Rates in developed node like

Kharghar whereas it is between Minimum and Maximum Market rate in the developing

nodes like Ulwe. This may be because of the Land price which is charged only 25% of

Reserve price by CIDCO for EWS category housing projects.

2. CIDCO housing rate for EWS category are affordable for common man as the rates are

below the market rates.

Graph No.6.15

CIDCO LIG, KH2 and UL2 Housing Rate Comparison with Maximum and Minimum

Market Rate

12,000

10,000

8,000

Maximum Rate
6,000
Minimum Rate
4,000 CIDCO Rate

2,000

0
LIG KH2 UL2

260
Conclusions:

1. CIDCO Housing rates are just around and to some extent below the Minimum Market

Rates in developed node like Kharghar but it is just few rupees above the Maximum

Market rate in the developing node like Ulwe.

2. CIDCO housing rate for LIG category are affordable for common man in developed

nodes as the rates are below than market rates. This is because of the Land pricing policy

of CIDCO which is charged at 50% of Reserve price for LIG category housing projects.

3. CIDCO housing rate are not so affordable in developing nodes where CIDCO housing

rate are higher than the Maximum market rate during that period. This is because of the

same Land Pricing policy for LIG in developed as well as developing nodes.

Graph No.6.16

CIDCO MIG and KH3 Housing Rate Comparison with Maximum and Minimum Market

Rate

14,000

12,000

10,000

8,000 Maximum Rate

6,000 Minimum Rate
CIDCO Rate
4,000

2,000

0
MIG KH3

261
Conclusions:

1. CIDCO Housing rates for MIG are higher than the maximum market rates during the

same period.

2. The per square foot rate for CIDCO housing is changes in proportionate to the total area

of the house. Even though, both the projects; Valley Shilp and Vastuvihar are located in

the same node Kharghar, but per square foot rates of both the housing projects are

different. The square foot area of house in Valley shilp is higher than the area of house in

Vastuvihar, accordingly the rate of house property in Valley shilp is higher, even though

both the houses mint for same income category.

Graph No.6.17

CIDCO HIG and KH4 Housing Rates Comparison with Maximum and Minimum Market

Rate

14,000

12,000

10,000

8,000
Maximum Rate
6,000 Minimum Rate
CIDCO Rate
4,000

2,000

0
HIG KH4

262
Conclusions:

1. CIDCO Housing rates for HIG are also higher than the maximum market rates during the

same period.

2. The rates of house properties for MIG and HIG are higher because of Land pricing policy

of CIDCO. CIDCO issues land for MIG category housing projects at 125% and 100% of

Reserve price in developed and developing nodes respectively. Whereas for HIG

category housing projects, Land is issued at 150% and 125% of Reserve price in

developed and developing nodes respectively.

6.4.4 Beneficiaries Views on CIDCO Prices

One of the objectives of CIDCO is to provide affordable houses to houseless people of Navi

Mumbai. Property rate are high in the city due to rising population and rising demand for houses.

CIDCO tries to control the property rate by providing affordable houses to the needy people.

Following table shows the views of beneficiaries of CIDCO houses on the prices of house

properties charged by CIDCO

Table No. 6.14

Beneficiaries Views on CIDCO Prices

CIDCO Prices CIDCO Prices are CIDCO Prices are

Category Total
are High Moderate Low

EWS/ LIG 85 24.29% 167 47.71% 98 28% 350

MIG 112 74.67% 32 21.33% 06 04% 150

Total 197 39.4% 199 39.8% 104 20.8% 500

(Source: Questionnaire)

263
 Graph No. 6.18

Beneficiaries Views on CIDCO Prices

Beneficiaries Views

20.80%

39.80% CIDCO Prices are High

39.40% CIDCO Prices are Moderate
CIDCO Prices are Low

Conclusion

1. 24.29% of the EWS and LIG beneficiaries think that CIDCO prices are high whereas

74.67% of the MIG beneficiaries think that CIDCO prices are high. Overall 39.40%

beneficiaries think that CIDCO prices are high.

2. 28 % of the EWS and LIG beneficiaries think that CIDCO prices are low whereas 4 % of

the MIG beneficiaries think that CIDCO prices are low. Overall 20.8 % beneficiaries

think that CIDCO prices are low.

3. 47.71 % EWS and LIG and 21.33 % MIG beneficiaries think that CIDCO prices are

affordable for common man. Overall, in 39.80 % beneficiaries view, CIDCO provide

houses at moderate rate.

264
6.4.5 Number of beneficiaries availed loan facility from Bank

Loan facilities are also available to the beneficiaries. The beneficiaries can avail loan facilities

for making payment to CIDCO. CIDCO gives ‘No Objection Certificate’ to the beneficiaries for

availing loan facility. The beneficiary may avail loan from any source at his convenience.

Table No. 6.15

Number of Beneficiaries Availed Loan Facility from Bank

Whether Loan Taken from Bank for Buying House Under

CIDCO Scheme
Income Category
Yes No

EWS / LIG 348 02

MIG 150 --

Total 498 02

Percentage 99.6% 0.4%

(Source: Questionnaire)

Conclusions:

1. Almost all the beneficiaries availed the loan facility.

2. Only few beneficiaries (0.4%) were able to make arrangement of finance on their own or

from their friends and relatives.

3. Only few beneficiaries could able to afford the CIDCO house without loan facility.

6.4.6 Administrative Procedure of CIDCO

Anyone who wants to apply for the house under CIDCO housing scheme has to submit the

application form and the beneficiary has to present all requisite documents to CIDCO authorities.

265
After verification of documents, the beneficiary has to make balance payment. CIDCO has taken

all due care to reduce the tedious paper formalities.

Table No. 6.16

Beneficiaries Views on Administrative Procedure of CIDCO

Administrative Practices Number of Beneficiaries Percentage

Easy (Less Lengthy and Less Paper Formalities) 297 59.4%

Average 139 27.8%

Tiresome (Lengthy and tedious) 64 12.8%

Total 500 100%

(Source: Questionnaire)

Graph No.6.19

Beneficiaries Views on Administrative Procedure of CIDCO

Beneficiaries Views on Administrative

Procedureof CIDCO

12.80%

27.80% Easy
59.40%
Average
Tiresome

266
Conclusions:

Almost 60% of the beneficiaries are happy with administrative procedure of CIDCO.

They think that the paper work formalities are less lengthy and less tiresome. If the

beneficiary has all requisite documents, there are no hurdles in paper formalities.

6.4.7 Beneficiaries Views on Administrative Co-operation from CIDCO Staff

Beneficiaries need to visit CIDCO office for number of occasions to fulfill the formalities. Right

from application, till getting final possession of house, they are in touch with CIDCO staff.

Following table shows behavoir of CIDCO staff from beneficiaries’ point of view.

Table No. 6.17

Beneficiaries Views on Administrative Co-operation from CIDCO Staff

Behavior Number of Beneficiaries Percentage

Co-operative 367 73.4%

Non Co-operative 133 26.6%

Total 500 100%

(Source: Questionnaire)

267
 Graph No. 6.20

Beneficiaries Views on Administrative Co-operation from CIDCO Staff

Beneficiaries Views on Administrative Co-

operation from CIDCO Staff

26.60%

73.40% Co-operative
Non Co-operative

Conclusion

1. 73.40% of the beneficiaries are happy with co-operation of CIDCO staff in fulfilling

formalities.

2. 26.60% of the beneficiaries are not satisfied with of CIDCO staff as they think that they

are non co-operative in nature.

6.4.8 Beneficiaries Views on Documentation Requirement for buying CIDCO House

There are income limits as well as caste reservations for EWS, LIG, MIG and HIG for buying

CIDCO house under different housing schemes. Following table shows beneficiaries views on

documentation requirement of CIDCO for buying house under CIDCO housing schemes.

268
 Table No. 6.18

Beneficiaries Views on Documentation for CIDCO Housing

Documents Requirement Number of Beneficiaries Percentage

Many 268 53.6%

Average 185 37%

Less 47 9.4%

Total 500 100%

(Source: Questionnaire)

Graph No. 6.21

Beneficiaries Views on Documentation for CIDCO Housing

Beneficiaries Views on Documents

requrement for CIDCO Housing

53.60% 37%
More
Average
Less
9.40%

269
Conclusion

1. 53.60% of the beneficiaries are of the view that lot of documents are required to be

submitted at the time of allotment of house from CIDCO.

2. While 37% of the beneficiaries are of the opinion that documentation requirement is not

that much more.

3. Only 9.40% of the beneficiaries thinks that less documents are required for getting house

under CIDCO housing scheme.

6.4.9 Quality of construction of CIDCO housing projects

CIDCO gives the construction contracts of housing scheme to outsiders. The construction

companies submit their tenders to CIDCO and CIDCO select the company which fulfills all the

criteria of CIDCO.

Table No. 6.19

Construction Quality of CIDCO Housing Projects

Quality Number of Beneficiaries Percentage

Good 312 62.4%

Average 156 31.2%

Poor 32 6.4%

Total 500 100%

(Source: Questionnaire)

270
 Graph No. 6.22

Construction Quality of CIDCO Housing Projects

Construction Quality of CIDCO Housing Projects

31.20%
6.40%

Good

62.40% Average
Bad

Conclusion:

1. In 62.40% of the beneficiaries’ opinion, the construction quality of CIDCO housing

scheme is good.

2. For 32.20% beneficiaries, the construction quality is average.

3. Only 6.40% of the beneficiaries are not happy with the construction quality of house.

6.4.10 Source of information of CIDCO housing scheme

Before commencement of any housing project, CIDCO makes necessary publicity of that

housing project through press note. CIDCO also display the proposed housing project on their

official website.

271
 Table No. 6.20

Source of Information about Housing Scheme

Source of Information Number of Beneficiaries Percentage

Local TV News Channel 15 3%

Newspaper 86 17.2%

CIDCO Web Site 112 22.4%

People 287 57.4%

Total 500 100%

(Source: Questionnaire)

Graph No. 6.23

Source of Information about Housing Scheme

Source of Information

3%
17.20%
57.40% Local TV News Channels
22.40% Newspapers
CIDCO Web Site
People

272
Conclusion:

1. Mouth publicity is the main source of spreading information for CIDCO as 57.40% of the

beneficiaries came to know about CIDCO housing scheme from other people.

2. 40% of the beneficiaries came to the housing scheme from CIDCO official Wedsite and

Newspapers.

6.4.11 Standard of living

CIDCO housing schemes are mostly meant for Lower and Middle class people. The aim

of CIDCO, behind all their housing projects is to raise the standard of living of these people.

Standard of living is based on many parameters, of which type of house in which they are living

now is one. People themselves knows, whether their standard of living has change or not in as

compare to their past life. Following table shows the analysis of data collected from the

beneficiaries themselves about their views on change in their standard of living in comparison to

their past life.

Table No. 6.21

Change in Standard of Living

Standard of Living Number of Beneficiaries Percentage

Raised 412 82.4%

No Change 88 17.6%

Fallen -- --

(Source: Questionnaire)

273
 Graph No. 6.24

Change in Standard of Living

Standard of Living

17.60%
82.40%
0% Raised
No Change
Fallen

Conclusion:

1. CIDCO housing projects plays an important role in raising the standard of living of the

people of Navi Mumbai.

2. 82.40% of the beneficiaries believe that their standard of living has increased after buying

house under CIDCO housing scheme.

6.4.12 Need of CIDCO Housing Scheme

CIDCO and Private Builders are the only two constructors of houses in Navi Mumbai.

Private constructions are carried on in large scale in Navi Mumbai. Private constructions are

costly, so poor people can offered houses under private constructions. Hence CIDCO also come

up with their housing projects. Till now CIDCO has come up with many housing projects,

274
constructing more the 1,25,000 houses in Navi Mumbai. Is there, further need of CIDCO’s

housing projects?.

Table No. 6.22

Need of Further Housing Schemes

Further Need of Housing Scheme Number of People Percentage

Yes 389 77.8%

No 83 16.6%

Don’t know 28 5.6%

Total 500 100%

(Source: Questionnaire)

Graph No. 6.25

Need of Further Housing Schemes

Need of further Housing Schemes of CIDCO

77.80% 16.60%
Yes
5.60%
No
Don’t Know

275
Conclusion:

1. CIDCO gives affordable houses to poor so that they should able to buy their own house

in the city.

2. Almost 78% of the beneficiaries thinks that there is further need of CIDCO’s Housing

schemes to reduce the property rates.

3. However 16.6% respondents are not required CIDCO construction scheme in future.

6.5 Cluster Development Scheme:

CIDCO wish to implement Cluster development scheme in villages of Navi Mumbai by which

the village area will be clustered together and building will be constructed for residential and

commercial purposes.

6.5.1 Awareness of Cluster development scheme

CIDCO wish to implement ‘Cluster Development Scheme’ in all the villages of Navi

Mumbai. Karave village from Nerul node is selected for launching the scheme and step by step it

will be implemented in remaining villages. CIDCO make announcement of the scheme but failed

to give the details of the scheme to villagers.

Table No. 6.23

Awareness about Cluster Development Scheme

Name of the Village Number of People Aware Number of People Not Aware

Airoli 18 07

Gothivali 15 05

276
Ghansoli 41 09

Koparkhairne 15 05

Bonkode 16 04

Vashi 20 05

Sarsole 16 04

Nerul 20 05

Karave 26 04

Belapur 19 06

Total 206 54

Percentage 79.23% 20.77%

(Source: Questionnaire)

Graph No. 6.26

Awareness about Cluster Development Scheme

Awareness

79.23% 20.77%

Aware
Not Aware

277
Conclusion:

1. Almost 80% of the villagers are aware that the state government and CIDCO wish to

implement Cluster Development Scheme for villages of Navi Mumbai.

2. Remaining 20% villagers are not aware about cluster development scheme.

6.5.2 Number of villagers knowing details of Cluster Development Scheme

The announcement of Cluster Scheme is made by CIDCO and also become the headline in local

newspapers. Hence most of the villagers heard about Cluster Scheme. There are different

provisions under cluster scheme to the villagers which are unknown to them.

Table No. 6.24

Villagers Knowing Complete Information of Cluster Development Scheme

Name of the Village Number of People knowing Number of People Not

Complete details knowing complete details

Airoli 05 20

Gothivali 04 16

Ghansoli 11 39

Koparkhairne 06 14

Bonkode 11 09

Vashi 07 18

Sarsole 04 16

278
Nerul 09 16

Karave 13 17

Belapur 08 17

Total 78 182

Percentage 30% 70%

(Source: Questionnaire)

Graph No. 6.27

Villagers Knowing Complete Information of Cluster Development Scheme

% of Villagers

30%
70% Have Full Information

Does Not Have Full

Information

Conclusion:

1. The Cluster Development name is known to the villager but Cluster Development

Scheme is unknown to 70% of the villagers.

279
 2. For 70% of the villagers, Cluster development means construction of towers by

destroying villages.

3. Only 30% of the villagers knew the details of various provisions under Cluster Scheme.

6.5.3 Sources of information about Cluster scheme

The Cluster development scheme is introduced by government of Maharashtra through CIDCO

for the development of villages of Navi Mumbai and also to sort out the problem of unauthorized

constructions around the villages. It is the duty of CIDCO to provide entire details of the scheme

to the villagers. The villagers get the details of the scheme from various sources like CIDCO,

Newspapers, Politicians and Public.

Table No. 6.25

Sources of Information about Cluster Scheme

Source of Information Number of People Percentage

CIDCO 54 14%

Newspaper 90 23%

Politicians 81 21%

Public 161 42%

Total 286 100%

(Source: Questionnaire)

280
 Graph No. 6.28

Sources of Information about Cluster Scheme

Source of Information

23%
14%
21%
CIDCO
Newspaper
42% Politicians
Public

Conclusion:

1. 42% of the villagers get the information about Cluster scheme from general public. There

is a chance of getting wrong and misguiding information as it is not received from right

source.

2. 21% of the villagers get information about the scheme from politicians, which is also a

wrong source of information as the politicians may play politics in giving right

information.

3. 23% of the villagers get details of cluster scheme from newspaper which is a right source

of information but cannot be a complete source of information.

281
 4. It is the duty of CIDCO to give detail information of Cluster Development Scheme to the

villagers, as it is the only source from were villagers can get right and complete

information about the scheme. Only 14% of the villagers are covered by CIDCO.

6.5.4 Need of Cluster Scheme for villages

The villages of Navi Mumbai are the only area left to be developed in the city. By the passes of

time, the situation is getting worse in the villages. The villages are almost resembled to the

hutments of the city. State government and CIDCO have come up with the cluster scheme to

solve the problems of village unplanned development.

PAPs are facing the problem of house expansion as there is no space left around house as well as

around village. PAPs are building there houses in unplanned way to adjust the large families.

Table No. 6.26

PAP’s View on Need of Cluster Development Scheme

Need of Cluster Development Number of People Percentage

Yes 143 55%

No 117 45%

Total 260 100%

(Source: Questionnaire)

282
 Graph No. 6.29

PAP’s View on Need of Cluster Development Scheme

Need of Cluster Development

55% 45%

Yes
No

Conclusion:

1. 55% of the villagers think that the Cluster Development Scheme is the right solution for

overcoming the problem of villages in the city.

2. 45% villagers are against the Cluster Development Scheme.

6.5.4 Whether Cluster Development Scheme should be implemented or not

The Cluster Development Scheme is announced by CIDCO and State government but it is not

yet implemented as the villagers are divided in two groups about Cluster implementation. One

group is supporting Cluster Scheme and other group is against the Cluster Scheme.

283
 Table No. 6.27

Cluster Development Scheme should be Implemented

Whether Cluster

Development Scheme Number of People Percentage

should be implemented

Yes 105 40.38%

No 155 59.62%

Total 260 100%

(Source: Questionnaire)

Graph No. 6.30

Cluster Development Scheme should be Implemented or Not

Cluster Scheme to be implemented

59.62% 40.38%

Yes
No

284
Conclusion:

1. Around 60% of the villagers are not happy with the current Cluster Development

Scheme.

2. 40% of the villagers are ready for the implementation of Cluster Scheme in the villages.

285