UNIIT – 1

HOUSING
POLICIES

16AR454 - HOUSING

Krithika R, Asst Prof, SAID- SRMIST

INTRODUCTION

Several policies adopted by Central Government have assisted in the delivery of affordable housing for
the EWS, LIG and lower MIG. The first National Housing Policy was formulated in 1988.

With the formulation of National Housing Policy in 1994, National Housing and Habitat Policy (NHHP)
in 1998 and follow-up of 74th Constitution Amendment of 1992. These policy initiatives focused on
transition of public sector role as `facilitator.

increased role of the private sector, decentralization, development of fiscal incentives and concessions,
accelerated flow of housing finance and promotion of environment-friendly, cost-effective and pro-poor
technology.

16AR454 - HOUSING

Krithika R, Asst Prof, SAID- SRMIST

 HOUSING POLICIES

1. National Urban Housing and Habitat Policy (NUHHP), 2007

2. Jawaharlal Nehru National Urban Renewal Mission (JNNURM)
3. Basic Services for the Urban Poor (BSUP)
4. Integrated Housing and Slum Development Programme (IHSDP)
5. Interest Subsidy Scheme for Housing the Urban Poor (ISHUP)
6. Indira AwaasYojana ( RURAL)
7. Rajiv Awas Yojana (URBAN)
8. Affordable Housing in Partnership (AHIP)
9. Pradhan Mantri Awas Yojna - Urban (Housing for all 2022 ) June 24
2015.
10. Pradhan Mantri Awas Yojna - Gramin LAUNCHED ON 1 APRIL, 2016
11. National urban rental housing policy (NURHP)

16AR454 -
HOUSING
Krithika R, Asst Prof, SAID-
SRMIST
2. Jawaharlal Nehru National Urban Renewal Mission (JNNURM)
JNNURM was launched in December 2005 with an aim to encourage and expedite urban
reforms in India. For the housing sector in particular, its main aim was construction of 1.5
million houses for the urban poor during the mission period (2005–2012) in 65 mission cities.

3. Basic Services for the Urban Poor (BSUP)–

The scheme is managed by the Ministry of Urban Development. It seeks to provide seven
entitlements or services – security of tenure, affordable housing, water, sanitation, health,
education and social security to low-income segments in the 65 mission cities.

4. Integrated Housing and Slum Development Programme (IHSDP)

Integrated Housing & Slum Development Programme (IHSDP) was launched by GoI by
merging the schemes of National Slum Development Programme (NSDP) and Valmiki
Ambedkar Awas Yojana (VAMBAY). The objective of the scheme is to provide adequate
Shelter and basic infrastructure facilities to the Slum Dwellers in Urban Areas. The scheme of
IHSDP is funded in the ratio of 80:20 by the Govt. of India and State Govt. As per guidelines
of the scheme, the States/UTs may avail the central assistance for improvement/ upgradation/
relocation projects including upgradation/new construction of houses and infrastructural
facilities like water supply, sewerage, storm water drains, community bath, paving of lanes,
street lights, community Toilet etc.

16AR454 -
HOUSING
Krithika R, Asst Prof, SAID-
SRMIST
5. Interest Subsidy Scheme for Housing the Urban Poor (ISHUP)
Low Income Groups (LIG) through the Jawaharlal Nehru National Urban Renewal Mission
(JNNURM). ... The Scheme envisages the provision of interest subsidy to EWS and LIG
segments to enable them to buy or construct houses.

6.Indira AwaasYojana ( RURAL)

The Indira Awaas Yojanaexpanded to cover all poor rural households.
Financial assistance for this included money to not only construct a pucca house but also
individual sanitary toilets anddrinking water connections.
The demarcation is done among rural poor & urban poor people for a detach set of plans
functions for the poor in urban areas (such as the Basic facilities for Poor in Urban).

7.Rajiv Awas Yojana (URBAN)

Vision of Slum Free India The state would require to identify the cities intended to be
covered in five years under RAY, and their phasing and commitment to adopt a whole city
approach, so that an integrated & holistic plan is prepared for up-gradation of all existing
slums, notified or non – notified, in each identified city. In the slums taken up for
development in selected cities, a holistic coverage would be required, with provision of all
basic and civic infrastructure and services as well as decent housing, with emphasis on
planned layouts and on total sanitation. RAY proposes central government assistance for up-
gradation of infrastructure and civic amenities in slums, and assistance for capacity building
16AR454 -
HOUSING
Krithika R, Asst Prof, SAID-
SRMIST
8. Affordable Housing in Partnership (AHIP)
The scheme of Affordable Housing in Partnership aims to encourage private sector
participation in creation of affordable housing stock recognizing that mere efforts of
Government would be insufficient to address the housing shortage. ... Ministry
of Housing and Urban Poverty Alleviation, Government of India, 2013.

9.Pradhan Mantri Awas Yojna - Urban (Housing for all 2022 ) June 24 2015.
A comprehensive approach is adopted to cover all urban poor with flexibility to use one of
the options:
Slum Rehabilitation: Slum rehabilitation grant of Rs. 1 lakh per house on an average for all
eligible slum dwellers in all such project.
Promotion of Affordable Housing through credit linked subsidy: The interest rate
subvention at 6.5% for both EWS/LIG categories
Affordable Housing in Partnership with Public & Private sectors: Central assistance at Rs.
1.5 Lakh per EWS house in projects where 35% of the houses are mandatorily for EWS
Subsidy for beneficiary-led individual house construction or enhancement : Rs. 1.5 lakh
per house for EWS category in slums or otherwise if States/cities make a project.

16AR454 - HOUSING

Krithika R, Asst Prof, SAID- SRMIST

10. Pradhan Mantri Awas Yojna - Gramin LAUNCHED ON 1 APRIL, 2016

• Providing assistance for construction of 1.00 crore houses in rural areas over the period of
3 years from 2016-17 to 2018-19.

• Enhancing the unit assistance to Rs. 1,20,000 in plain areas and to Rs. 1,30,000 in hilly
states/difficult areas /IAP districts, which were earlier 70,000 and 75000 respectively.

• Meeting the additional financial by borrowing through National Bank for Agriculture and
Rural Development (NABARD) to be amortized through budgetary allocations after 2022.

• Setting up of National Technical Support Agency at national level to provide technical

support in achieving the target set under the project.
Implementation strategy and targets:-

• Identification of beneficiaries eligible, using information from Socio Economic and Caste
Census (SECC) ensuring total transparency and objectivity.

• The cost of unit assistance to be shared between Central and State Governments in the ratio
60:40 in plain areas and 90:10 for North Eastern and hilly states.
16AR454 - HOUSING

Krithika R, Asst Prof, SAID- SRMIST

• Annual list of beneficiaries will be identified from the total list through participatory
process by the Gram Sabha.

• Funds will be transferred electronically directly to the account of the beneficiary. Inspection
and uploading of geo referenced photographs will be done though a mobile app.

• The beneficiary is entitled to 90 days of unskilled labor from MGNREGA.

• Locally appropriate house designs, incorporating features to address the natural calamities
common to the region will be made available to beneficiaries.
• Mason Training program to address the shortage

• To meet the additional requirement of building materials, manufacture of bricks using

cement stabilized earth or fly ash will be taken up under MGNREGA (MAHATMA GANDHI
NATIONAL RURAL EMPLOYMENT GUARANTEE ACT)

• The beneficiary would be facilitated to avail loan of up to Rs.70,000/- for construction of

the house which is optional.

• The unit size is to be enhanced from the existing 20 sq.m to up to 25 sq.m including a
dedicated area for hygienic cooking

16AR454 - HOUSING

Krithika R, Asst Prof, SAID- SRMIST

11.National urban rental housing policy (NURHP)
• To create a vibrant, sustainable and inclusive rental housing market in India’.
• To create adequate rental housing stock by promoting Social Rental Housing (SRH) with
special focus on affordability of vulnerable groups and urban poor.
• To promote Shelter facilities for the most vulnerable groups within the homeless population
such as single women and their dependent minor children, aged, infirm, disabled, mentally
challenged etc.
• To promote Need Based Rental Housing for specific target groups such as migrant labor,
single women, single men, students who have the ability to pay only up to a certain amount
of monthly rent.
• To promote Market Driven Rental Housing To promote Private Rental Housing (PRH)
• To enable Institutional Rental Housing (Hostels/PGs/dormitories) for working class with
special focus on low earning employees
• To remove legal, financial and administrative barriers for facilitating access to tenure, land,
finance and technology.
• To enable formalization/regularization of Rental Housing on pan India basis
• To facilitate fund flow from government and private sector.
• promoting Public-Private Partnership (PPP)

16AR454 - HOUSING

Krithika R, Asst Prof, SAID- SRMIST

 
ROLE OF GOVERNMENT AND PUBLIC AGENCIES IN HOUSING
DEVELOPMENT:

HOUSING AND URBAN DEVELOPMENT DEPARTMENT:

The Government of Tamil Nadu have set for itself the goal, of providing “a house for
each family”.
In order to achieve this goal, Tamil Nadu Housing Board, Co-operative Housing
Societies, Tamil Nadu Co-operative Housing Federation and Tamil Nadu Slum
Clearance Board are formulating and implementing schemes to provide reasonable and
adequate shelter to people in different income groups.
Administrative Units:

16AR454 - HOUSING

Krithika R, Asst Prof, SAID- SRMIST

 16AR454 - HOUSING

Krithika R, Asst Prof, SAID- SRMIST

 16AR454 - HOUSING

Krithika R, Asst Prof, SAID- SRMIST

 16AR454 - HOUSING

Krithika R, Asst Prof, SAID- SRMIST

 16AR454 - HOUSING

Krithika R, Asst Prof, SAID- SRMIST

 16AR454 - HOUSING

Krithika R, Asst Prof, SAID- SRMIST