Housing for All - The Mission
The Hon’ble President of India, in his address to the Joint Session of Parliament on 9th June, 2014 had announced “By the time the Nation completes 75 years of its Independence, every family will have a pucca house with water connection, toilet facilities, 24x7 electricity supply and access.”
Hon’ble Prime Minister envisioned Housing for All by 2022 when the Nation completes 75 years of its Independence. In order to achieve this objective, Central Government has launched a compre¬hensive mission “Housing for All by 2022”
Housing for All (HFA) mission is since launched in compliance with the above objective of the Gov¬ernment and with the approval of competent authority.
| HFA – Mission Overview
1) Mission has launched at 17.06.2015 and it has been launched its guideline on 25.06.2015. The mission will be implemented up to 31.03.2022
2) Mission has to cover 4041 statutory towns and beneficiaries along with EWG and LIG housing scheme.
3) Mission will be implemented through 4 following components :-
• Slum rehabilitation of Slum Dwellers with participation of private developers using land as a resource (In-Situ)
• Promotion of Affordable Housing for weaker section through credit linked subsidy (CLSS)
• Affordable Housing in Partnership with Public & Private sectors (AHP)
• Subsidy for beneficiary-led individual house construction
4) The Credit Linked Subsidy Component scheme is Central Sector Scheme while other to be implemented as Centrally Sponsored scheme.
Housing for All -Coverage & Duration
1) Mission has to cover 4041 statutory towns and beneficiaries along with EWG and LIG housing scheme.
2) All 4041 towns as per Census 2011 with the focus on 500 Class I Cities within 3 phases as follows :-
No. of Cities
APR 2015-MAR 2017
APR 2017-MAR 2019
APR 2019- MAR 2022
Housing for All - Highlights
- Each Beneficiary can take advantage under one scheme only at a time. i.e can not fill up form for more than one scheme. In case of such events, application will be rejected and appropriate actions can be taken.
Housing shortage estimated at 2 crore but exact scope of the mission to emerge after demand assessment.
- States/UTs may decide a cut off date for eligibility of beneficiary needs to be resident of that urban area. As of now, It has been decided as cutoff date as duration before the 15th September 2015 by authority.
- Beneficiary defined as a family comprising husband, wife and unmarried children. Further, Beneficiary should not have any pucca house anywhere in India to be eligible to receive support under the mission.
- The minimum size of houses constructed under the mission under each component should conform to the standards provided in National Building Code (NBC).
- EWS category defined as a family with income upto Rs. 3 lakh and LIG from Rs. 3-6 lakh.
- Size of EWS house - 30 Sq M., States to have flexibility but Central assistance fixed.
- Project approval at state level.
- Aadhaar Card/SECC Number (Sensex Number)/Bank Account Number(Jan-dhan & Other Bank account)/PAN Number (if available) required from beneficiary or a certificate of house ownership from Revenue Authority of beneficiary’s native district.
- Houses have to meet the requirement along with National Building Code (NBC) and other relevant Bureau of Indian Standards (BIS) for safety requirement including earthquake, flood, cyclone and etc.
- State/UT Government and Implementing Agencies should encourage formation of associa¬tions of beneficiaries under the scheme like RWA etc. to take care of maintenance of houses being built under the mission.
Schemes & Components - Detail Overview
1. In-Situ Slum Redevelopment
Using land as a resource with private participation
- Slums on Govt./State/ULB Land :-
- – Slum rehabilitation grant of Rs. 1 lakh per house, on an
- – Flexibility to States/Cities to deploy this central grant for
other slums being redeveloped
- – States/Cities provide additional FSI/FAR or TDR to make
projects financially viable
- – Land cost not to be charged by Central Govt. agencies
- Slums on Private Land
- – States/Cities provide additional FSI/FAR or TDR to land
owner as per its policy
- – No Central Assistance
- State/UTs shall decide:
- – Eligibility criteria like cut off date etc. preferably through
- – Beneficiary contribution
- – allotment on ownership rights or on renewable,
mortgageable and inheritable leasehold rights basis
- – Restriction on transfer
- Identify all tenable slums and their parameters such as area,
available FSI, market potential etc.
- Examine financial and technical viability of all tenable slums
for redevelopment with private partner using land as a resource
– Consider additional FSI/FAR, TDR, relax density norms
– Mixed usage of land(as for commercial purpose)
– Cluster of slums as single project
- Two Components:
– slum rehabilitation component: provides housing along
with basic civic infrastructure
– free sale component: available to developers for selling in
the market so as to cross subsidize the project
- Sale of “free sale component” should be linked to the
completion and transfer of slum rehabilitation component
- Only the required slum land to be given to private developers.
- Consultations with Slum Dwellers’ Associations for formulating
- All financial and non financial incentives and concessions to
be declared ‘a priori’ in the bid document
- Private partner to be selected through open bidding process
- Open bidding for the slum redevelopment project
- – Positive premium-Select highest positive premium developer
- – Negative premium-Select lowest negative premium developer
- Implementing agency to make allotments to eligible slum dwellers through a transparent process, while making the allotment
families with physically handicapped persons and senior citizens should be given priority for allotment on ground floor or lower floors.
- Project developers to provide transit accommodation during the
- ULBs should have a single project account for slum re-development projects
- Single authority for formulating project and according approval to
- Financially unviable tenable slums can be taken up in later phases
or deficiency of houses can be taken up under other components
- Untenable slums can be can be taken up under other components
2. Affordable Housing through Credit Linked Subsidy (CLSS)
A demand side intervention
Interest subvention on home loans taken by eligible urban poor (EWS/LIG) for acquisition, construction or enhancement of house
Interest subsidy of 6.5% available on housing loans of up to Rs. 6 lakhs with tenure of 15 years for EWS/LIG, loans beyond Rs. 6 Lakhs at market rate
The beneficiary, at his/her discretion, can build a house of larger area but interest subvention would be limited to first Rs. 6 lakh only.
Subsidy credited upfront to the loan account of beneficiaries through lending institutions (PLI agencies will be process through Banking Process)
Preference to Manual Scavengers, Women/widows, SC/ST/OBCs, Minorities, differently-abled and Transgender subject to them being EWS/LIG
Self-certificate/affidavit as proof of income from loan applicant
Central Nodal Agencies (CNAs) to channelize subsidy to the
lending institutions and for monitoring the progress
- 0-3 Lakhs - EWS Category - Carpet Area - 30 Sq.m.
- 3-6 Lakhs - LIG Category - Carpet Area - 60 Sq.m.
PLIs can sign MoU with only one Nodal Agency
PLIs to take NOCs quarterly from States/UTs or designated
agency for list of beneficiaries covered under credit linked subsidy to avoid duplication.
State Level Nodal Agency (SLNA) identified by State/UT for implementing the mission will facilitate the identified eligible beneficiaries in getting approvals and documents, etc. to avail of credit linked subsidy.
In case a borrower who has taken a housing loan and availed of interest subvention under the scheme but later on switches to another PLI for balance transfer, such beneficiary will not be eligible or claim the benefit of interest subvention again.
List of Primary Lending Institutions (PLIs) who have signed the MoUs with Central Nodal Agencies (CNAs): Status as on 29.12.2015
- Housing and Urban Development Corporation (HUDCO) and
- National Housing Bank (NHB)
List of Primary Lending Institutions(PLIs) who have signed the MoUs with Central Nodal Agencies (CNAs) as on 12-10-2015
3. Affordable Housing in Partnership (AHP)
A supply side intervention
To provide financial assistance to EWS houses being built in
different partnerships by States/UTs/Cities including private sector
Central assistance @Rs. 1.5 lakh per EWS house
Affordable housing project eligible for central assistance
– At least 35% of the houses for EWS category
– Project of at least 250 houses
State and cities may extend other concessions such as their State subsidy, land at affordable cost, stamp duty exemption etc.
Allotment through transparent procedure as approved by SLSMC to beneficiaries identified in HFAPoA
Preference to physically handicapped persons, senior citizens,
SC/ST/OBCs, minorities, single women, transgender and other
weaker and vulnerable sections of the society
Different models of private sector involvement prevailing in states can be adopted by others
States/UTs to decide an upper ceiling of sale price for EWS houses
4. Beneficiary-led individual house construction & enhancement
Assistance to individual eligible families belonging to EWS categories to either construct new houses or enhance existing
houses on their own
Central assistance @ Rs. 1.5 lakh per house
Mechanisms to track progress of such individual houses through geo-tagged photographs
Beneficiaries, in or outside slums, to approach ULBs with proof of land/house ownership
Kutcha houses in slums not taken up for redevelopment can
ULBs to ascertain ownership of land, economic status and
eligibility etc. of beneficiary
Socio-economic Caste Census (SECC) data to be used to verify
current housing status of applicant and consequent eligibility
ULBs to prepare integrated city wide individual housing project
in accordance with the City Development Plan (CDP)
Individual applicants for assistance shall not be considered.
States/UTs/Cities to ensure that GoI assistance is committed only after balance cost of construction is tied up
State/UT or cities may contribute financially
Central assistance will be released to bank accounts of identified beneficiaries through States/UTs
GoI contribution to be released in proportion to the value of
construction in 3-4 instalments
Last instalment of Rs. 30,000/- of GoI assistance to be released only after completion of the house