Lok Sabha Question No. 3122 (UNSTARRED), answered on 2023-12-21
Subject: Housing Stock in Urban Areas
Ministry: HOUSING AND URBAN AFFAIRS
Asked by: S. Gnanathiraviam

## GOVERNMENT OF INDIA

## MINISTRY OF HOUSING AND URBAN AFFAIRS

## LOK SABHA

## UNSTARRED QUESTION NO. 3122

## TO BE ANSWERED ON DECEMBER 21, 2023

## HOUSING STOCK IN URBAN AREAS

## NO.3122. SHRI GNANATHIRAVIAM S.:

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

- (a)  whether  it  is  a  fact  that  the  Government  proposes  to  build houses  in  urban  areas  of  Tamil  Nadu  and  if  so,  the  details thereof;
- (b)  whether  it  is  also  a  fact  that  the  main  hurdle  in  filling  the housing stock is shortage of land in urban areas, stringent land use  regulations,  inadequate  infrastructure  to  support  more housing neighbourhoods, rising cost of constructions material, insufficient  financing,  restricted  mortgage  financing  and  rent
- control laws and if so, the reaction of the Government thereto;
- (c) whether lending agencies had signed Memorandum of Understanding with the Government nodal agencies for extending financial support to housing projects under Housing Mission; and
- (d)   if so, the details thereof?

## ANSWER

## THE MINISTER OF STATE

## IN THE MINISTRY OF HOUSING AND URBAN AFFAIRS (SHRI KAUSHAL KISHORE)

(a): 'Land' and 'Colonization' are State subjects. Schemes related to housing for urban poor in their respective areas are implemented by States/UTs.  However, the Ministry  of Housing and Urban Affairs is Central Assistance  under  Pradhan  Mantri  Awas  Yojana-  Urban  (PMAY-U) 'Housing for All' Mission since 25.06.2015 to provide pucca houses supplementing the efforts of States/UTs by providing with basic amenities to all eligible urban beneficiaries across the

country  including  the  State  of  Tamil  Nadu.  The  scheme  has  four verticals namely,  Beneficiary-led individual house  construction/ enhancements (BLC), Affordable Housing in Partnership (AHP), 'InSitu' Slum Redevelopment (ISSR) and Credit Linked Subsidy Scheme (CLSS).

Implementation of the PMAY-U Scheme in States/UTs including assessment of demand, formulation of projects, selection of beneficiaries etc. are done by the respective State/UT Governments as per scheme guidelines. Based on project proposals submitted by State of Tamil Nadu, more  than  6.81lakh  houses  have  been sanctioned as on 04.12.2023. Of the sanctioned houses, 6.61 lakh have  been  grounded  for  construction;  of  which  5.49  lakh  are completed/ delivered to beneficiaries.

(b) to (d): Under PMAY-U, Government of India is providing its fixed share  as Central Assistance  of  ₹1.0 lakh under  In-Situ  Slum Redevelopment (ISSR), ₹1.5 lakh for Affordable Housing in Partnership  (AHP)  and  Beneficiary  Led  Individual  Construction  or Enhancement  (BLC)  verticals  of  PMAY-U.  Under  Credit  Linked Subsidy Scheme (CLSS) vertical of PMAY-U, an interest subsidy at the  rate  of  6.5%  which  amounts  upto  ₹2.67  lakh  per  house  is provided  for  beneficiaries  of  Economically  Weaker  Sections  (EWS) and  Low  Income  Group  (LIG)  category.  The  remaining  cost  of  the house  as  per  DPR  is  shared  by  States/UTs/Urban  Local  Bodies (ULBs)/Beneficiaries.

It  has been observed that major challenges faced in creating housing  stock  include  insufficient  urban  planning,  high  land  price and  scarce  land  availability  especially  in  metros,  fluctuation  in prices of construction materials, delay in getting statutory clearances/NoCs/building plan approvals, provision of requisite physical and social infrastructure etc.

As per the PMAY-U scheme guidelines, States/ UTs are advised to ensure convergence with relevant Central Government schemes such as Swachh Bharat Mission (U), Atal Mission for Rejuvenation and  Urban  Transformation  (AMRUT),  National  Urban  Livelihood Mission  (NULM)  etc.  and  other  State  Schemes  to  provide  basic amenities/  benefits  to  beneficiaries  of  PMAY-U  projects.  Financial Institutions  like  HUDCO  also  extend  loans  to  various  Government agencies involved in housing projects.

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