SLUMS:VAMBAY
 provision of a shelter or upgrading the existing shelter of people living
 The Tenth Plan to give incentives to the cities and States for urban sector
development, there has been a proposal for recommending selective freedom
to convert rural land for urban use, reduction of stamp duty on transfer of
property and laws facilitating private development of township - all of which
will increase the real estate growth, and thereby generate increased demand for
construction.
 During the Tenth Plan period, free houses under IAY would be provided largely
to SC/ST BPL Families
 Focus on creating institutional capability in the rural housing sector with
reference to designing of houses, supply of raw materials and construction.
 The National Agenda for Governance identified ‘Housing for All’ as a major
programme with special emphasis on the needs of the vulnerable groups
wherein it was proposed to facilitate construction of 20 lakh additional units
every year, with emphasis on the Economically Weaker Sections and Low Income
Groups as also the needs of SCs/STs.
 The Tenth Plan will also encourage the concept of group housing with suitable
architectural modifications for safe and comfortable dwelling of the aged,
through sensitising the civic authorities and town planners.
KEY INITIATIVES:
Govt. shifted its role from a provider to a facilitator
Foreign Direct Investment
Focus on affordable housing for the marginalized sector
Building quality regulation
Gender sensitive designs
Balancing the liberal availability of land, with the demands of orderly
growth with adequate provision of infrastructure
INSTITUTIONAL FINANCING OF HOUSING
 Govt. started encouraging loan based house construction FOR ews
categories
 Encouraged PPP models with certain provision for EWS housing
 Housing cooperatives have been given a target of construction of one
lakh houses each year under the 2 million housing programme for
the EWS/LIG
 scheme for strengthening of the vulnerable house in the EWS and LIG
category in 107 districts which face highest risk of damage because
they are multi-hazard prone.
below poverty line in urban slums.
 20% allocation for the sanitation and community toilets
 Provision of water is provided in the scheme.
 State Government will set up the implementation machinery, arrange for
land where required, and arrange for the credit component of housing
programme.
The National Slum Development Programme (NSDP) initiated in the year 1997
as a scheme of Special Central Assistance, has been providing additional central
assistance to State Governments for slum improvement.
Measures necessary and implemented during the Tenth Plan period:
•The first priority in Urban housing, particularly for the urban LIG and EWS, is the
provision of land at affordable prices.
•Unauthorized settlements - Pragmatic solutions leading to security and
extension of civic services are required. To prevent proliferation of such colonies,
the land use and sub-division policies need to be streamlined, and their
implementation rendered speedy and smooth without undue hassles to those
in need of land for housing.
•The urban development authorities who acquire and develop large tracts of
land for the growth of the cities, should reserve a major part of such land to
meet the requirements of the EWS/LIG population.
•There is need for coordinating the development of industrial areas and
housing areas.
•Schemes such as the Two Million Housing scheme and the new scheme of
housing with Central assistance for the slum population (Valmiki Ambedkar Awas
Yojana or VAMBAY) should be used to provide immediate benefit to the most
disadvantaged urban segments.
•Urban housing should mostly be based on savings and credit from HFIs.
•Need to make housing loans available to the EWS in the cities. Credit activity
by state agencies and housing co-operatives need to be revived. HUDCO and the
HFIs should be encouraged to finance self-help groups or groups who have the
support of an NGO and who can be of assistance in loan recovery.
Target growth: 8.1% – growth achieved: 7.7%.
The Tenth Plan was expected to follow a regional approach rather than sectoral
approach to bring down regional inequalities.
Expenditure of ₹43,825 crore for tenth five years.
Out of total plan outlay, ₹921,291 crore (57.9%) was for central government
and ₹691,009 crore (42.1%) was for states and union territories
At the end of the 10th Five Year Plan, the housing shortage is estimated to be
24.7 million for 67.4 million households.