11th 5 Year Plan (2007-2012) Self-employment—swarnjayanti gram swarozgar yojana (sgsy)

The way forward—strategy for the eleventh plan

INCOME
Eleventh plan strategy for SGSY would have to necessarily take the best out of what has
“Rapid And Inclusive Growth” evolved the self help movement across the country over the last ENVIRONM
EN
AND
POVERTY
EDUCATION

To capture the opportunities that are emerging in the economy due to the processes of
• The eleventh five year plan (2007-2012) began in very favourable circumstances with the
globalization and liberalization, it was necessary to launch a new sub-set of the sgsy—that
gdp having grown at a rate of 7.7% per year in the tenth plan period. INFRASTRUCTURE HEALTH
can be known as the placement-linked skill enhancement programme
•Dr. Manmohan singh was the prime minister during the eleventh five year plan and the WOMEN
AND
CHILDREN
chairman of the planning commission.
•The 11th year plan document is entitled “ BHARAT NIRMAN
“towards faster and more inclusive growth”. The GoI in recognition of the role played by infrastructure in poverty removal has taken up massive
programmes for construction of rural infrastructure under different programmes in the past.
•The eleventh plan sought to remedy these deficiencies by seeking to accelerate the pace of The Eleventh Finance Commission had constructed an index of infrastructure which included
growth while also making it more inclusive. economic, social, and administrative infrastructure indicators. These were
The growth objective was to achieve an average growth rate of 9% per annum for the plan (i)agriculture,(ii) banking, (iii) electricity, (iv) transport, (v)communication, (vi) health, and (vii) civil
period administration.
HOUSING
11th 5
The share of the centre (including the plans of public sector enterprises) was to amount to rs.
2156571 crores, while that of the states and union territories (uts) was to be rs. 1488147
The Bharat Nirman Programme has recognized and accorded due priority to the need to end
shelterlessness. Year Plan
The programme has set a target to construct 60 lakh houses from 2005 to 2009
crores.
. In the first two years of the Bharat Nirman Programme, 28.69 lakh houses have been constructed. The
housing component under the Programme is being implemented in parallel with IAY scheme.
(2007-
2012)
RAPID POVERTY REDUCTION INCENTIVIZING LENDING INSTITUTIONS
“Rapid z
Rural Housing For The Houseless Housing finance companies (hfcs) registered with NHB are allowed to create a special
IAY ( INDRA AWAS YOJNA)
ADEQUACY OF HOUSES AND TACKLING SHELTERLESSNESS
Reserve to the extent of 40% income earned throug long term mortgage financing (mortgage loans for And
more than 5 years) under section 36(1) (vii) of the The rural housing loan portfolios of banks and hfcs,
For the Eleventh Plan, however, focus could be on targeting the poorest of the poor as far as
IAY is
comprise only 10–12% Of their total housing loans. Inclusive
limit under this provision increased from the present level of 40% to 60% for hfcs, banks, and nhb.
concerned while targeting the remaining shortage with other interventions. Hence for the
purpose of IAY
The additional 20% provisions will exclusively be
For lending in rural areas.
Growth”
the shortage emerging due to factors of •This will encourage banks and hfcs
•houseless, To aggressively lend for housing in rural areas. Shgs and micro finance institutions (mfis) also be
•unserviceable kutcha house could be tackled. encouraged to be actively involved in extending housing loans.
With these factors, the estimate of housing shortage
for 2001 stands at 148.6 lakh houses and for 2007 at 159.5 lakh houses.
Hence a target of constructing about150 lakh houses under IAY needs to be fixed for the ROLE OF HUDCO
Eleventh Plan. Housing Urban Development Corporation
This translates into an annual target of 30 lakh houses as against 15 lakhhouses being .HUDCO’s normal rural housing programme by and large caters to Economically Weaker Sections
constructed under iay (EWS) (with a monthly household income less thanRs 2500).
The per unit cost is also proposed to be revised from the present level of rs 25000 in the In rural areas, the three types of schemes financed by HUDCO include:
plain areas and rs 27500 in the hilly and difficult areas (i)EWS rural housing schemes for landless persons,
•The funds for the IAY scheme are shared between the Central and the State Government (ii) EWS rural housing schemes for land owning persons
in the ratio of 75:25. (iii) The village abadi scheme including house repair MEHVISH JAN
•Further, 60% of the IAY funds are earmarked for SC/STs, 3% for persons with disability, and Under the first two schemes, the cost ceiling per dwelling unit is Rs 60000. The maximum extent of VIPIN KUMAR
HOUSING,
15% for minorities. finance is 90% of the project cost or Rs 40000, which Ever is less. 1st Year, 2nd Semester

• It is expected that all houses will be sanctioned in the name of women or jointly with the Under the first scheme HUDCO supplements effort of State Governments to provide free house sites
by extending loans at low interest rates. 11th five year plan
husband.
The third scheme envisages improvement of existing houses as well as environmental improvement
01
• These provisions have enabled effective targeting of the weaker sections and the scheme
has succeeded in empowering the poorest. of surrounding areas by providing for sanitation, drainage, water supply, link roads, etc.
, HUDCO has sanctioned 2472 schemes with a loan amount of Rs 5807 crore for construction of 86.11
lakh dwelling units in various States in the country (as on 31 March 2006).
The allocation for the Eleventh Five Year Plan tentatively provided at Rs 26882CR
SCHOOL OF PLANNING
AND ARCHITECTURE,
11th five year plan NEW DELHI
Urban Infrastructure, Housing, Basic URBAN HOUSING
Housing Stock
Services and Poverty Alleviation • Less than one-third of India’s people live in cities and towns.
Housing shortage and requirement
• These areas generate over two-thirds of the country’s GDP and account for 90% of
government revenues.
Estimation of housing shortage constituted in the context of formulation of the eleventh five-
year plan, housing shortage is estimated to be around 24.71 million. • As per CSO estimates, housing sector’s contribution to GDP in the year 2003–04 was 4.5%
•About 99% of such households are from ews and low income groups (lig).
(3.13% for urban areas) at current price.
During the eleventh plan period, total housing requirement, including the backlog, is estimated
at 26.53 million. • Housing stock in 2001 was 50.95 million (for 55.8 million urban households).
PLICY MEASURES AND STRATEGY FOR ADDRESSING THE PROBLEMS OF SLUMS IN 11TH YEAR PLAN Role of Housing
•JNNURM is the single largest initiative ever launched by the goi to address the problems of urban
housing, infrastructure, and basic services to the poor in 63 cities and towns in a holistic manner.
Status of housing stock and basic amenities . Investments in housing, like any other industry,
have a multiplier effect on income and employment.
11th 5
•JNNURM comprises two broad segments, namely
(i) the sub-mission on urban infrastructure and governance and
It is estimated that the overall employment generation in the economy due to additional
investment in the housing/construction sector is eight times of the direct employment
Year Plan
(ii) the sub-mission on basic services to the urban poor (bsup) covering 63 identified cities. Construction sector employment is growing at the rate of 7% per annum.
•The non-mission cities and towns are covered under the uidssmt and integrated housing and slum
development programme (ihsdp)
 Housing provides opportunities for home-based economic activities. Housing also has a (2007-
direct impact on the steel and cement, marble/ceramic tiles, electrical wiring, PVC pipes, and
•Interest subsidy scheme for housing the urban poor has been proposed during the eleventh plan so as
to provide an interest subsidy of 5% per annum, for a period of five years only, to commercial lenders
various types of fittings industry, which make a significant contribution to the national
economy.
2012)
for lending to EWS/LIG segments of the urban areas.
•Interest subsidy is expected to leverage markets funds to flow into housing for poor.
Contribution of the housing industry to the GDP
“Rapid z
 The scheme is expected to add 15 lakh houses to the housing stock during the eleventh plan.
Housing Market And
JNNURM The government has to create an enabling framework for a well-functioning housing
The mission has focused on finding good urban infrastructure investments that can market. Inclusive
ultimately be undertaken on a self-sustaining basis. Flexible instruments for the regulation of housing markets, including the rental market,
•INTEGRATED DEVELOPMENT OF SMALL AND MEDIUM TOWNS (IDSMT) taking into account the special needs of vulnerable groups Growth”
HOUSING FINANCE
IDSMT was launched in 1979–80 , IN 11TH YR PLAN The scheme been subsumed in •The total investment requirement for meeting the housing requirement would be of the
JNNURM as Urban Infrastructure Development Scheme for Small and Medium Towns order of rs 361318.10 crore consisting of Rs 147195 crore required for mitigating housing
shortage at the beginning of the eleventh plan and Rs 214123.10 crore for new additions to
(UIDSSMT). be made during the eleventh plan period
ROLE OF PRIVATE SECTOR AND FDI
ACCELERATED URBAN WATER SUPPLY PROGRAMME (AUWSP) subsumed in JNNURM •the GoI has permitted 100% FDI for development of townships including construction of
development projects, subject to minimum capitalization, minimum land/built up area,
The Eleventh Plan has the following objectives for the urban poor: etc.
To provide them affordable shelter and decent living and working conditions.

To make adequate provision of land for the poor in the Master Plan itself.
MEHVISH JAN
 To help in developing self employment enterprises and job creation for the wage VIPIN KUMAR
HOUSING,
employment earners. 1st Year, 2nd Semester

To protect the economic interest and safety of women and other vulnerable sections of
our society. 11th five year plan
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•PROGRAMMES AND SCHEMES OF URBAN
•POVERTY ALLEVIATION IN THE ELEVENTH PLAN
•SWARNA JAYANTI SHAHRI ROZGAR YOJANA (SJSRY)

SCHOOL OF PLANNING
AND ARCHITECTURE,
11th five year plan NEW DELHI