housing finance


Land vs. housing: how effective are tenurial measures to house the urban poor?

By on June 16th 2021

Access to land in Indian cities is a major challenge for the urban poor due to the complexity of land tenure, scarcity of land, speculative land prices, and lack of political will. As a result, a majority of them are forced to live in informal settlements without having secure tenure, facing continuous threats of eviction and demolition, which puts them in an unending vicious cycle of poverty. Creation of new housing stock under different housing schemes has been the dominant strategy to address the housing shortage, but remains ineffectual on account of being a time consuming and capital intensive process. The other way to address the problem was to regularize and upgrade the existing housing stock occupied by poor groups. Over the years, state governments have introduced various tenurial measures to address this conundrum of housing and land. This article attempts a nuanced understanding of the effectiveness of these tenurial measures in augmenting and improving the urban poor housing scenario.

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The Role of Housing Finance Actors in Regenerating Delhi’s Unauthorised Colonies: An Examination of State–Citizen– Market Boundaries

By and on January 15th 2021

The paper uses a boundaries lens to investigate the role of finance and networks of credit in autoconstruction, with a focus on the work of market actors in navigating market–citizen and market–state boundaries, foregrounded against the relatively well-studied politics of state–citizen relations, in Delhi’s unathorised colonies

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Emerging partnerships in low-income housing finance: Q&A with Manikandan K.P.

By on December 28th 2020

As the housing finance ecosystem adapts to service low-income housing, targeted interventions that build trust and connect disparate actors in the housing supply chain can bring transformative change. In this Q&A, Institution Builder and India Housing Federation co-founder Manikandan K. P. points out the opportunities and insights that led to a successful housing finance intervention for households availing the beneficiary-led construction (BLC) component of India’s flagship public housing scheme, the PMAY.

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A Partnership Approach: Increasing Access to Formal Micro Housing Finance for Low Income Households in Tamil Nadu

By on December 24th 2020

This case study outlines a collaboration between the Indian Housing Federation (IHF) and the Tamil Nadu Slum Clearance Board, the state level nodal agency for the Pradhan Mantri Awas Yojana – Urban (PMAY-U) in Tamil Nadu, to enhance the availability of micro housing finance for low-income communities through formal channels.

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