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RajivAwasYojana SlumFreeIndiaMissionDr PKMohanty
RajivAwasYojana SlumFreeIndiaMissionDr PKMohanty
Mission Directorate,
Ministry of Housing & Urban Poverty Alleviation
Government of India
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Address by President of India to
Joint Session of Parliament, 04 June, 20 09
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Rajiv Awas Yojana
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Slum-free India Mission
The Approach
Rajiv Awas Yojana
– Multiple Partners
– Institutional Funds
– State Government Commitment
– Close Involvement of Urban Local Body
– Community Participation
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Aspects Important to Strategy Design
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Aspects Important….Size
• Slum Population
Estimated 62 million in 2001, not counting those in non-
notified, non-recognised clusters with less than 60 household
• Housing Shortage
24.7 Million in 2007, 99% of it estimated for the poor
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Rajiv Awas Yojana Aspects Important….. Land
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Aspects Important….Credit
• Banks look for credit history and don’t give loans to slum
dwellers – even priority sector lending does not reach them
• There are no housing microfinance institutions
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The Proposed Strategy Design
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Rajiv Awas Yojana… Directions
(iii) Easing Credit Availability for the Urban Poor for Housing,
including Interest/Capital Subsidy - Enable Demand-
driven Housing
Part I
• Enacting Legislation for Property Rights and Plan for
Upgrading all Existing Slums, notified or not, in a Whole
City Approach
Part II
• Creation of conditions to deter new slum formations by
tackling: the Price–distorting land and housing shortages;
the Exclusionary town planning norms; Planning for
earmarking of space for slum dwellers/urban poor
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Preparatory Tasks
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Addressing Risks
Credit may still not flow to the EWS-
Banks are fearful of loan waivers, difficulties in foreclosing mortgages of
Rajiv Awas Yojana
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Rajiv Awas Yojana
Thank You
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