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HOUSING IN THE FIVE YEARPLANS

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Introduction

Development activities in India is structuredbased on the five year plans since 1951.

Successive five year plans clearly show theevolution of housing policies in India.

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F irst F ive Year Plan (1951- 56)

Introduced housingin the national policyframeworkF

ocus on institutionbuilding and housingfor weaker sectionsof societyMajor rehabilitationprogrammelaunched

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F irst F ive Year Plan (1951- 56)

8% of public sector outlayspent on rehabilitation &housing

Introduced several ruraland urban housingschemes for poor Established

Ministry of works & housingNational buildingsOrganisation (NBO)

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Second F ive Year Plan (1956 61)

Housing scheme for poor expandedIndustrial housingscheme expandedThree new schemesintroduced

Rural housingSlum clearanceSweepers housing

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Second F ive Year Plan (1956 61)

Central govt. decided toprovide assistance to stategovt. to develop lowincome housingGave rise to State HousingBoardsIn 1959, central govt.offered loan to state govt.for 10 yrs to acquire landfor building sites

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Third F ive Year Plan (1961-66) F ollowed by

Triennial Plan (1966-69)Emphasis on planned development and landacquisition particularly for urban areasCo-ordination of all agencies & orientation of all programs to the needs of poor Due to limited resources, towns and citieswith population of 1,00,000 or more receivepriority urban

F unds allocated for housing and urbandevelopment including water supply andsanitation

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F ourth F ive Year Plan (1969-1974)

Dual problemRapidly growingpopulation

Slow growinghousing stock

Govt. decided toencourage privateand co-operativehousing schemesby providingfinancial assistance

HUDCO established in 1970

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F ourth F ive Year Plan (1969-1974)

To provide loans tolow-income groupsbelow peak interestrates and longer repayment periodsTo finance urbandevelopmentactivities to help

decongest citiesSupport StateHousing Boards

whole lending arm for housing finance

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Urban Land Ceilingand Regulation Actadopted.

to preventconcentration of landholdings in urbanareas.to make more landavailable forequitable disbursal

F ifth F ive Year Plan (1974 79)

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Indias first retailhousing financecompany HDF C wasset up 1977

to provide financialassistance toindividuals, groups

and co-operativesocieties, as well ascompanies for staff housing

F ifth F ive Year Plan (1974 79)

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Refocused attention on the provision of services along with shelter , particularly for poor .More housing in small and medium sizetownsImproving living conditions in the slum

Other housing finance companies alsoentered the market

Sixth F ive Year Plan (1980 85)

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Radical change in govt. policyMajor responsilibity of house constructionleft to private sector Govt . role facilitator promoting housingactivity1988 UN Global Shelter Strategy - GSS

Announced first draft of National HousingPolicy

Seventh F ive Year Plan (1985 90)

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NATIONAL HOUSING BANK (NHB) 1988to promote and regulate housing finance companies and tomobilise additional resources for housing

BUILDING MATERIALS AND TECHNOLOGYPROMOTION COUNCIL (BMTPC)

for research and development

URBAN BASIC SERVICES F OR THE POOR(UBSP) first urban poverty alleviation scheme

Seventh F ive Year Plan (1985 90)

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Recognised the role and importance of the urbansector for the national economyF irst National Housing Policy 1994Incontinuation with predecessors encouragedprivate sector based housing developmentConcentrated resources on upgrading urbancentresEncouraged development of mortgage marketEnhance the flow of credit to the housing sector through housing finance institutions

Eighth F ive Year Plan (1992 97)

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Emphasis on affordable housing program for BPLcategoryNational Common Minimum Program housing for weaker sections in rural areas will be extended ona larger scaleto continue encouraging mortgage marketTenth Plan

free housing only to landless SC/ST labourersCredit cum subsidy scheme for other BPL families

Ninth & Tenth F ive Year Plan (1997 2007)

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Market friendly reforms in both taxation andinfrastructure in a bid to increase capital spendingin housing,In 1999, the central govt repealed ULCRA UrbanLand Ceiling and many state governmentsfollowed.National Housing Policy revised to National UrbanHousing and Habitat Policy in 2007

Aggressive entry of commercial banks into housing

Ninth & Tenth F ive Year Plan (1997 2007)

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Inorder to improvethe quality of life inurban areas

Improve housing stockthrough urban renewalIn situ-slumimprovementDevelopment of existing

housing stock inexisting cities as well asnew townships

Eleventh F ive Year Plan (2007 12)

Schemes1. Bharat Nirman

Programme (2005-2009)TARGET 60 LAKHHOUSES BY 2009

2. Indira AwasYojana Scheme

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Capital Expenditure on Housing under F ive

Year Plans (IRN Billion)

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Thank you