Lok Sabha Question No. 2845 (UNSTARRED), answered on 2017-08-02
Subject: Urban Poor
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: KUNWAR SARVESH  KUMAR

## GOVERNMENT OF INDIA

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## LOK SABHA

UNSTARRED QUESTION NO.  2845

## TO BE ANSWERED ON AUGUST 2, 2017

## URBAN POOR

No. 2845 SHRI KUNWAR SARVESH KUMAR:

Will  the  Minister  of  HOUSING  AND  URBAN  AFFAIRS  be pleased to state:

- (a) the salient features of Interest Subsidy Scheme for  Housing  the  Urban  Poor  (ISHUP)  and  the details of the norms fixed for the selection of the beneficiaries;
- (b) the State-wise number of beneficiaries since the inception of the Scheme till date and the amount spent thereon; and
- (c) the details of the other measures being taken to provide  relief  to  the  urban  poor  from  the  rising prices of houses in urban areas?

## ANSWER

THE MINISTER OF STATE IN THE MINISTRY OF HOUSING & URBAN AFFAIRS

## (RAO INDERJIT SINGH)

- (a) & (b): The erstwhile Ministry of Housing & Urban Poverty  Alleviation  had  formulated  the  Interest Subsidy  Scheme  for  Housing  the  Urban  Poor (ISHUP) to create an enabling and a supportive

…….contd./-

environment  for  expanding  credit  flow  to  the housing  sector  and  increasing  home  ownership in the country under 'Affordable Housing for All' envisaged in the National   Urban   Housing and Habitat   Policy,   2007.

It  was  a  demand  driven  scheme.    The  subsidy was  disbursed  to  beneficiaries  through  Central Nodal  Agencies  (CNAs)  -  Housing  and  Urban and National  Housing  Bank  (NHB).    The  details  of beneficiaries  State-wise  and  the  amount  spent

Development Corporation Ltd. (HUDCO) thereon is enclosed at Annexure-I and AnnexureII.

- (c)  : Government  has  launched  the  Pradhan  Mantri Awas  Yojana  (Urban)  {PMAY  (U)}  Mission  on 25.6.2015  to  provide  central  assistance  to  the implementing  agencies  through  States  and  UTs for providing houses to all eligible families/beneficiaries.    The  Mission  comprises four components viz., In-Situ Slum Redevelopment  (ISSR);  Affordable Housing  in Partnership  (AHP);  and  Subsidy  for  BeneficiaryLed Individual Housing Construction (BLC).

Among the other measures, Government of India has provided 'Infrastructure status' to 'affordable housing' to facilitate access to low cost and long term  funds  for  the  sector.  The  Government  of India  has  also  granted  various  tax  concessions under  Income  Tax  Act,  including  concessions under Section 80IB, Section 23, and Section 45

etc.

**********

## Annexures referred to in reply to Lok Sabha Unstarred Question No.

## Details of ISHUP subsidy released by HUDCO during 2010-11 to 2013-14 (from Inception of scheme till its closure)

Annexure-1

(Amt. in Rs.)

| State          | 2009- 2010             | 2010- 2011        | 2010- 2011             | 2011-2012         | 2011-2012              | 2012-2013         | 2012-2013              | 2013- 2014        | Total                  |                   |
|----------------|------------------------|-------------------|------------------------|-------------------|------------------------|-------------------|------------------------|-------------------|------------------------|-------------------|
|                | No. of Benefi- ciaries | Amount of Subsidy | No. of Beneficiar- ies | Amount of Subsidy | No. of Beneficiar- ies | Amount of Subsidy | No. of Beneficiar- ies | Amount of Subsidy | No. of Beneficiar- ies | Amount of Subsidy |
| Andhra Pradesh | 648                    | 4832324           | 491                    | 3645128           | 6                      | 53910             |                        |                   | 1145                   | 8531362           |
| Chattisgarh    | 510                    | 7114200           | 203                    | 2081128           | 219                    | 1502910           |                        |                   | 932                    | 10698238          |
| Rajasthan*     | 27                     | 814282            | -4                     | -29641            | 516                    | 18132104          | 215                    | 7493603           | 754                    | 26410349          |
| Tamil Nadu     | 4                      | 116811            | 794                    | 9594201           | 285                    | 5431296           | 39                     | 355209            | 1122                   | 15497517          |
| Assam          |                        |                   | 2                      | 60373             |                        |                   |                        |                   | 2                      | 60373             |
| Uttar Pradesh  |                        |                   |                        |                   | 4                      | 28895             |                        |                   | 4                      | 28895             |
| Kerala         | 5                      | 38315             | 223                    | 5940689           | 503                    | 13946938          | 490                    | 14075495          | 1221                   | 34001437          |
| Maharashtra    |                        |                   | 244                    | 1775800           | 157                    | 1277317           |                        |                   | 401                    | 3053117           |
| Karnataka      | 71                     | 495818            | 51                     | 748178            | 379                    | 4990493           | 18                     | 393842            | 519                    | 6628331           |
| Madhya Pradesh |                        |                   |                        |                   |                        |                   | 33                     | 1089514           | 33                     | 1089514           |
| Total          | 1265                   | 13411749          | 2004                   | 23815857          | 2069                   | 45363863          | 795                    | 23407663          | 6133                   | 105999132         |

Annexure-II

| Details of ISHUP subsidy released by NHB   | Details of ISHUP subsidy released by NHB   | Details of ISHUP subsidy released by NHB   | Details of ISHUP subsidy released by NHB   | Details of ISHUP subsidy released by NHB   | Details of ISHUP subsidy released by NHB   | Details of ISHUP subsidy released by NHB   | Details of ISHUP subsidy released by NHB   | Details of ISHUP subsidy released by NHB   | Details of ISHUP subsidy released by NHB   | Details of ISHUP subsidy released by NHB   | Details of ISHUP subsidy released by NHB   | Details of ISHUP subsidy released by NHB   | Details of ISHUP subsidy released by NHB   | Details of ISHUP subsidy released by NHB   | Details of ISHUP subsidy released by NHB   | Details of ISHUP subsidy released by NHB   |
|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|--------------------------------------------|
| State                                      | 2009-10                                    | 2009-10                                    | 2010-11                                    | 2010-11                                    | 2011-12                                    | 2011-12                                    | 2012-13                                    | 2012-13                                    | 2013-14                                    | 2013-14                                    | 2014-15                                    | 2014-15                                    | 2015-16*                                   | 2015-16*                                   | Cumulative Total                           | Cumulative Total                           |
|                                            | No. of Benef iciarie s                     | Amount of Subsidy (Rs.)                    | No. of Benefi ciaries                      | Amoun T of Subsidy (Rs.)                   | No. of Benef Iciari es                     | Amount of Subsidy (Rs.)                    | No. of Benefi ciaries                      | Amount of Subsidy (Rs.)                    | No. of Benef iciarie s                     | Amount of Subsidy (Rs.)                    | No. of Benef iciari es                     | Amount of Subsidy (Rs.)                    | No. of Benefi ciarie s                     | Amount of Subsidy (Rs.)                    | No. of Benefi ciaries                      | Amount of Subsidy (Rs.)                    |
| Andhra Pradesh                             | 531                                        | 3682887                                    | 4558                                       | 32655124                                   | 2402                                       | 18316779                                   | 264                                        | 2380396                                    | 101                                        | 908608                                     | 212                                        | 1598537                                    | 0                                          | 0                                          | 8068                                       | 59542330                                   |
| Karnataka                                  |                                            |                                            | 53                                         | 1450075                                    | 517                                        | 9054494                                    | 235                                        | 2464960                                    | 119                                        | 829073                                     | 1975                                       | 21201358                                   | 1                                          | 0                                          | 2900                                       | 34999961                                   |
| Kerala                                     |                                            |                                            |                                            |                                            |                                            |                                            | 196                                        | 4995895                                    | 35                                         | 660296                                     | 300                                        | 6127404                                    | 26                                         | 301289                                     | 557                                        | 11783595                                   |
| Tamil Nadu                                 |                                            |                                            |                                            |                                            | 39                                         | 932490                                     | 58                                         | 1906465                                    | 3                                          | 53654                                      | 2                                          | 15330                                      | 0                                          | 0                                          | 102                                        | 2907939                                    |
| Rajasthan                                  |                                            |                                            |                                            |                                            | 18                                         | 410242                                     | 2                                          | 74358                                      | 36                                         | 1211110                                    | 146                                        | 5235703                                    | 0                                          | 0                                          | 202                                        | 6931414                                    |
| Madhya Pradesh                             |                                            |                                            |                                            |                                            | 9                                          | 154648                                     |                                            |                                            | 0                                          | 0                                          | 2                                          | 139379                                     | 0                                          | 0                                          | 11                                         | 294028                                     |
| Maharashtra                                |                                            |                                            |                                            |                                            | 1                                          | 22798                                      |                                            |                                            | 0                                          | 0                                          | 184                                        | 2059849                                    | 0                                          | 0                                          | 185                                        | 2082647                                    |
| Uttar Pradesh                              |                                            |                                            |                                            |                                            | 1                                          | 28895                                      |                                            |                                            | 0                                          | 0                                          | 3                                          | 89482                                      | 0                                          | 0                                          | 4                                          | 118377                                     |
| ASSAM                                      |                                            |                                            |                                            |                                            |                                            |                                            |                                            |                                            | 0                                          | 0                                          | 4                                          | 119380                                     | 0                                          | 0                                          | 4                                          | 119380                                     |
| Total                                      | 531                                        | 3682887                                    | 4611                                       | 34105199                                   | 2987                                       | 28920347                                   | 755                                        | 11822075                                   | 294                                        | 3662741                                    | 2828                                       | 36586422                                   | 27                                         | 301289                                     | 12033                                      | 119080959                                  |

*Till 14/07/2015