Business and Development Sector Reports

Housing Shortage in Urban India at 24.71 Million Dwelling Units

The Ministry of Housing and Urban Poverty Alleviation has said in a press release that a Technical Group constituted by the Ministry in 2006 to assess the urban housing shortage in India has estimated that at the end of the 10th Five Year Plan (2007-08) the total housing shortage in the country stands at 24.71 million dwelling units.

Out of this 21.78 million or 88.14% pertains to Economically Weaker Sections (EWS) including the Below Poverty Line (BPL) households. State-wise details indicating breakup of housing shortage of 24.71 million is given below.

urban housing shortage India

No Homes for the Poor

The Government of India is currently implementing various  new schemes for providing affordable housing to India’s urban poor. A new scheme – Interest Subsidy Scheme for Housing the Urban Poor (ISHUP) has been launched for providing interest subsidy on housing urban poor to make the housing affordable and within the repaying capacity of Economically Weaker Sections (EWS)/ Low Income Group (LIG).

The scheme encourages poor sections to avail of loan facilities through Commercial Banks/Housing Finance Companies for the purposes of construction/acquisition of houses and avail 5% subsidy in interest payment for loans upto Rs. 1 lakh.

Another scheme called the Affordable Housing in Partnership launched in 2009 with an outlay of Rs. 5000 crores, seeks construction of 1 million houses for EWS, LIG, Middle Income Group (MIG) with at least 25% for EWS Category.

Furthermore, the Government has announced a new scheme called Rajiv Awas Yojana (RAY) for providing support to States that are willing to provide property rights to slum dwellers. The Government Of India hopes to make India slum free through the implementation of RAY.

Urban Housing Shortage at the end of the 10th Five Year Plan (dwelling units in million)

State/UTs
Housing Shortage

Andhra Pradesh

1.95

Arunachal Pradesh

0.02

Assam

0.31

Bihar

0.59

Chhatisgarh

0.36

Goa

0.07

Gujarat

1.66

Haryana

0.52

Himachal Pradesh

0.06

Jammu & Kashmir

0.18

Jharkhand

0.47

Karnataka

1.63

Kerala

0.76

Madhya Pradesh

1.29

Maharashtra

3.72

Manipur

0.05

Meghalaya

0.04

Mizoram

0.04

Nagaland

0.03

Orissa

0.50

Punjab

0.69

Rajasthan

1.00

Sikkim

0.01

Tamil Nadu

2.82

Tripura

0.06

Uttaranchal

0.18

Uttar Pradesh

2.38

West Bengal

2.04

A&N Islands

0.01

Chandigarh

0.08

Dadra & Nagar Haveli

0.01

Daman & Diu

0.01

Delhi

1.13

Lakshadweep

0.00

Pondicherry

0.06

All India

24.71

State/UT-wise breakup of shortage in terms of different income groups is not available.

Abhay N

Author : 

Abhay is the founder and managing editor of India Microfinance. He is passionate about microfinance, financial inclusion and social entrepreneurship in India.

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