Informality

Last week in the area of Jahangirpuri in Delhi, residents watched as bulldozers arrived early in the morning, and started hastily demolishing shops and homes. Videos of the bulldozers in the area surfaced online, showing a large crowd gathered, and residents imploring the authorities to spare their homes. One of many resettlement colonies formed in […]

This piece summarizes several key takeaways about property rights and informal housing markets from in-depth interviews with key informants, including housing brokers, in 35 slums in Bengaluru. The authors identified at least eighteen different official papers that have been given out to slum dwellers by one or another official agency at different stages in the slum notification process, constituting a tenure continuum. They find that although the legal process for a slum to become notified and for residents to access various individual housing documents is straightforward, ground realities are more ambiguous, and residents as a result misperceive the legal value of their housing status.

This Data Tale presents the complexity of housing documentation possessed by residents of slums in Bangalore. Based on an extensive survey by the authors, the findings of which are detailed in an accompanying opinion piece, they document 18 different kinds of documents, divided into three categories. These are listed here with accompanying illustrative images where available.

This article attempts to capture the story of an informally employed low-income household who, with the help of informal financial agents, successfully navigated the informal-formal space of housing finance to buy the house of their choice. The article starts with contextualising the accessibility and affordability constraints for housing finance faced by low-income households. Following this, we discuss a case study of an informally employed home loan borrower, explaining the negotiations playing at the cusp of the informal-formal. Lastly, we deliberate upon the roles of lending institutions, specifically during the COVID-19 crisis and the financial recovery of the home loan industry.

While the power of asset-owning landlords in rural India is well-understood, less attention has been paid to the same in urban areas. Examining Kapashera, a low-middle income settlement in Delhi, this article outlines the housing typologies and dynamism in landlord-tenant relations that relegated working class migrants to exploitative housing experiences.

On June 7, Supreme Court reiterated its order of February and April 2020 to evict the Khori Gaon basti on the Delhi-Haryana border, falling within the Faridabad Municipal Corporation (FMC) jurisdiction. The Court concluded that this basti is an encroachment on the Aravalli forest land and so deemed it fit to order the municipal corporation to undertake evictions using force if needed. The residents have been given a few days to collect their belongings and leave before the demolition squad comes to vacate these lands. The demolitions of over 6,500 homes are scheduled to take place just when the monsoon arrives and we are still in a pandemic where most of the population is not vaccinated. This is great injustice to bring upon anyone during a pandemic. The urgency shown in demolishing the houses of the poor is therefore unjustified.

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.

As State Governments have started announcing weekend curfews and lockdown-like conditions amidst the second wave of COVID-19, rent crises are once again emerging within informal rental housing markets. In a crisis, rent does not get as much attention as food and income support, despite forming a substantial part of household budgets for informal workers. It is imperative that we learn lessons from last year’s crisis and protect the rental housing of informal workers early, effectively, and expansively.

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.

By examining access to a bundle of basic amenities – electricity, piped water and in-house latrines – by homeowners in slum (and non-slum) households and documenting how this varies across states and cities in India, the authors of this data-centric piece offer insights into how the quality of housing structures need to urgently be seen alongside access and quality of basic amenities to ensure improved quality of life in Indian cities. In a post-CoVID moment, these data points urge us to reflect on how inflexible land regulations and services delivery mechanisms have historically disadvantaged slum households in terms of public provision of, as well as private investment in, basic amenities.