HOUSING FOR THE POOR

PRESENTATION BY
GROUP – 4
SNIGDHA SACHDEVA KINDERPAL SINGH KRITIK KUMAR
INTRODUCTION
• Housing is one of the most basic human needs, and it is essential for people's
well-being and productivity. However, housing affordability is a significant
challenge for many low-income households worldwide. Poor families are often
forced to live in substandard housing, overcrowded conditions, or in informal
settlements with inadequate access to basic services such as water, sanitation,
and healthcare.

• There are various factors that contribute to the lack of affordable housing for the
poor, including a shortage of affordable housing units, increasing land values,
and lack of access to credit. To address this issue, governments, non-profit
organizations, and private entities have implemented various programs and
policies to provide affordable housing for low-income households.
Need for housing for the poor
• India is among the world’s poorest countries, with more than two-thirds of its
residents living in extreme poverty.
• Recently, however, a changing economy centered around industrialization has
prompted many rural residents to move to urban areas of the region.
• The interregional migration has led to an accumulation of slums and poor
villages on the outskirts of cities.
• The problem prompts a powerful need for affordable housing in India.
• In recent years, new organizations have begun to answer this call with unique
responses to alleviate the problem.
Housing policies
• Housing policies of the government of India has a come a long way since the 1950.
• While the objective of Government for the Housing Policies and Schemes has
changed with the period of time. The period has been divided into four phases
since 1950.

1st 2nd 3rd 4th

Phase Phase Phase Phase
 Quick learn
Neoliberal Policies-A
political approach that
favors free-market
capitalism,

Four phases of history of policies in India deregulation, and

reduction in
government spending

• The first phase roughly comprises of the first two decades, when the initial policies were
taking shape and the government was trying to address the problems of all sections of
society .
• The second phase is roughly the period from the early 1970s to mid 1980s; in this period,
the government accepted that it cannot serve all the sections of society and hence
started focusing only on weaker sections (WS) .
• The third phase is roughly the period from the mid 1980s to early 2000s. In this period,
neoliberal policies made their way into the discourse and its focus changed from physical
provision of housing to its financing.
• The last phase refers to the last 10-12 years. In this period, the government has
definitively adopted the role of facilitator. It is now promoting the participation of private
sector in housing activities for all the sections of society , while itself taking a backseat in
all these activities.
 List of Housing Schemes for the poor run
by Indian Government Pradhan Mantri Awas Yojana(PMAY Urban)

Pradhan Mantri Awas Yojana (PMAY Gramin)

Through a variety of incentives and perks, the

Indian government promotes home ownership.
With the goal of assisting those with low Rajiv Awas Yojana

incomes in purchasing a home, the government

of India introduced affordable housing schemes
Delhi Development Authority Housing Scheme
or low-cost housing programs. Some of the
schemes have been listed below.
NTR Housing scheme

Maharashtra Housing and Area Development Authority (MHADA)

Pradhan Mantri Awas Yojana-Urban
• Pradhan Mantri Awas Yojana – Urban
(PMAY-U), a flagship Mission of
Government of India being
implemented by Ministry of Housing
and Urban Affairs (MoHUA), was
launched on 25th June 2015.
• The Mission addresses urban housing
shortage among the EWS/LIG and MIG
categories including the slum dwellers
by ensuring a pucca house to all
eligible urban households by the year
2022, when Nation completes 75 years
of its Independence.
 Pradhan Mantri Awas Yojana – Urban
Target Beneficiaries of The PMAY-Urban
1. Labour
2. Urban Poor
3. Market
4. Hospitality Sector
5. Manufacturing Units
6. Industrial Workers
7. Educational
Pradhan Mantri Awas Yojana- Gramin

• The Pradhan Mantri Gramin Awaas Yojana is a flagship program of the Central
Government in its mission to provide affordable housing for all.
• It is addressed to the rural poor under which it will provide pucca houses with all
the basic facilities including a hygienic kitchen to those living in kutcha houses.
• It is the successor of the Indira Awaas Yojana; a similar welfare measure
initiated by the Government in force back in the year 1985, and is regarded as
one of the most extensive social schemes.
Pradhan Mantri Awaas Yojana- Gramin
Objectives
• This social welfare scheme is intended to provide financial assistance to people
from the economically marginalized section to have access to housing
infrastructure providers. All beneficiaries of this PMAYG will have not only
permanent housing but also additional amenities like electricity, LPG, and road
connectivity.
• A 25-square meters pucca (permanent) house will be built, and the accompanying
comforts will be provided under this ambitious ‘Housing for All’ program. In 2019,
this scheme was reviewed by the Minister for Rural Development, and the latest
studies show that the Pradhan Mantri Gramin Awaas Yojana has achieved a
significant proportion of its target.
Rajiv Awas Yojana
• Rajiv Awas Yojana (RAY) is a new scheme announced by the President earlier in
2009, focuses on slum dwellers and the urban poor.
• This scheme aims at promoting a slum-free India in five years.
• The scheme will focus on according property rights to slum dwellers and the
urban poor by the states and union territories.
• It would provide basic amenities such as water supply, sewerage, drainage,
internal and approach roads, street lighting and social infrastructure facilities in
slums and low income settlements adopting a ‘whole city’ approach. It would also
provide subsidized credit.
 Rajiv Awas Yojana
FEATURES OBJECTIVES

• The Rajiv Gandhi Housing Yojana has two

methods for implementation. These include Bringing
creating a plan for a city devoid of slums and reforms to
address causes
creating projects for specific slums related to the
creation of
slums.
• This programme offers financial support to the
central government, the states, the UTs, and Creating a
supportive
Enhancing
ULBs environment for
extending
housing, civic
structure, and
social amenities
formal credit
in intervened
• Furthermore, as part of the Rajiv Awes Yojana, this facilities to the
urban poor.
slums.
housing scheme provides financial assistance for
developing affordable housing stock through
public-private partnerships. Devise Empowering the
strategies for community by
• The Central Government offers financial support strengthening
institutional and
assuring
participation at
of ₹75,0000 per Economically Weaker human every level of
Section/Low Income Group for Dwelling Units of resources at the
city, state, and
decision making
during
Sizes 21 to 40 sq. mt. under Affordable Housing municipal levels
by building a
strengthening
Slum Dweller's
in Partnership. resource Associations/Fed
network. eration.
 Delhi Development Authority Housing
Scheme

Types of flats provided under DDA housing scheme are-

The development of Housing projects by

DDA commenced in 1967 with construction
of houses and providing the basic amenities
like electricity, water supply, sewage LIG Janta HIG
disposal, and other infrastructure facilities. flats flats flats
EHS MIG
flats flats
Delhi Development Scheme
FEATURES

• All of Delhi's low-income citizens who cannot afford to buy a home would
receive housing assistance under the DDA.
• Flats at reduced prices would be made available to Delhi NCR residents.
• This plan uses a computer draw to determine allocation, which will cut down
on the possibility of fraud.
• Newly developed apartments would receive discounts of up to INR 5 lakh.
The apartments will feature a parking lot and elevators.
 NTR Housing Scheme

• In 2016, the Andhra Pradesh Government launched the NTR Housing Scheme for urban
and rural areas. This scheme aims to develop 10 lakh houses with a total operational
cost of ₹16,000 crores.
• NTR housing scheme was launched under the Pradhan Mantri Awas Yojana and is a part
of the Central Government’s ‘housing for all’ scheme.
• NTR housing scheme caters to housing demands of this state’s rural and urban
underprivileged sections.
NTR Housing Scheme
OBJECTIVES

The Andhra Pradesh Government launched NTR Housing Scheme with certain
objectives. These are -
• Provide affordable permanent pucca houses to the homeless people in both urban
and rural settings.
• Create affordable reconstruction opportunities for existing houses.
• Now that you know about the objectives of the NTR Housing Scheme, let us learn
about the eligibility and documents required to apply for the same.
Maharashtra Housing and Area
Development Authority (MHADA)

• The Maharashtra Housing and Area Development Authority (MHADA) is the

most popular government organization in the housing sector. They made it
their mission to uplift the standard of living for society's last section.
• In the last seven decades, MHADA has provided affordable housing to nearly 7.5
million families across the state of Maharashtra (of which 2.5 million are from
Mumbai).
• For a period of seventy years, MHADA has seen many aspects of housing
activities and also ups and downs in this sector. However, they were always
adaptive to these changes.
REFERENCES
• https://rural.nic.in/sites/default/files/Overview%20of%20PMAY-G.pdf
• https://transformingindia.mygov.in/scheme/pradhan-mantri-awas-yojana-gramin/
• https://www.mhada.gov.in/en/affordable-housing
• https://mohua.gov.in/upload/uploadfiles/files/RAYGuidelines.pdf
THANK YOU