4. Baligar_HUDCOs Initiatives

8/12/2019 4. Baligar_HUDCOs Initiatives

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HUD Os Initiatives inPromoting Affordable Housingfor All

Presentation by

Shri. V.P. Baligar

Chairman & Managing Director

Housing& Urban Development Corporation Ltd.New Delhi

22ndJuly, 2013

National Symposium on Affordable Housing


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Urbanisation in India Urban Population increased from 62.4 million in 1951 to 377 million in 2011;

Level of urbanization increased from 17% in 1951 to 31% in 2011 ;

Urban population is estimated to reach 600 million by 2031;

An increase in the demand for urban infrastructure services;

Urban Population in India

Urban Population: Six times in Six DecadesTotal Population Increase 3.4 times

0

200

400

600

800

1000

1200

1400

1951 1961 1971 1981 1991 2001 2011

361.

1

439.

2

548.

2

683.

3

846.

4

10

28.

7

121

0.

2

62.

4

78.

9

109.1

157.7

215

.8

28

6.

1

377.

1

Total Population

Urban Population


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28

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61.8

GROWTHOF SLUMS

Sourc e: Annu al Report 2006-07, MoHUPA &

Expert Group Report

93

2011

1/4thof urban population not inclusive3.3 Fold Increase in 3 decades


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MAGNITUDE OF URBAN HOUSING SHORTAGE &

FUNDS REQUIREMENT Huge urban housing deficit and limited institutional

responses to tackle it :

18.78 Million shortage in 2012, as per the Technical Groupconstituted by M/o HUPA :

More than 95% shortage is for EWS/LIG segments

Funds Requirement: Assuming Rs. 5 lac/DU, total funds requirement - Rs. 9,40,000 cr

NHB Estimates: Funds requirement for new affordable housing in slum &

non-slum areas: Rs. 8,49,440 cr

In addition, incremental annual growth of urban [email protected]% would

have to be accommodated (10.5 million)

Total : 18.78 m

EWS : 10.55 m (56.2%)

LIG : 7.41 m (39.4%)MIG+HIG : 0.82 m (4.4%)


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Urban Infrastructure Funds Requirement The 12th plan (2012-17)

Infrastructure investmentrequirement: 56 lakh crore

- Share of private sector(projected) : 50%

Dr. Isher Judge AhluwaliaCommittee estimates : Rs.40 lakh crore in

next 20 years.

SECTORS INVESTMENTREQUIREMENT(Rs. lakh cr) ( US $ bn)

Urban Roads (44.1%) 17.29 345.78

Urban Transport (11.5%) 4.49 89.88

Renewal & Redevelopment

including Slums (10.4%)

4.08 81.79

Water Supply(8.2%) 3.20 64.18

Sewerage (6.2%) 2.42 48.53

Storm Water Drains (4.9%) 1.91 38.20

Capacity Building (2.6%) 1.01 20.35

Traffic Support Infra. (2.5%) 0.98 19.59

Solid Waste Management (1.2%) 0.48 9.71

Street Lighting (0.5%) 0.19 3.71

Other Sectors (7.9%) 3.09 61.96

TOTAL 39.18 783.73

Huge Funds needed for Inclusive Growth


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Established in 1970 as aTechno-financial Institution

Fully owned byGovernment of India

TO BE AMONG THE WORLDSLEADING KNOWLEDGE HUBSAND FINANCIAL FACILITATING

ORGANISATIONS FORHABITAT DEVELOPMENT

Corporate Vision

Corporate Mission

TO PROMOTE SUSTAINABLEHABITAT DEVELOPMENT

TO ENHANCE THEQUALITY OF LIFE


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HOUSING

Urban/ Rural /Staff Rental

Retail Financing

Cooperative Housing

Working Women Hostels

Private Builders Schemes

HUDCO: PROGRAMMES

URBAN DEVELOPMENT Land Acquisition (LA) Integrated LA & Development

City Level Utility Infrastructure Social Infrastructure Schemes

Commercial Schemes Urban Infrastructure Projects like

Water Supply, Sewage, Airports,Roads, Power & Telecom etc.

CONSULTANCY SERVICES Consultancy in the field of Architecture,

Urban Design, Landscape, Urban andRegional planning, TransportationPlanning, Interior Design andInfrastructure development.

BUILDING TECHNOLOGY Promotion of Building Centres for

technology transfer Building Material Industries.

TRAINING

Training in Human SettlementsTechnical Assistance to HUDCOs

Borrowing Agencies.


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IMPLEMENTING AGENCIESOF HUDCO

STATE GOVERNMENT BODIES Housing Boards/ Corporations

Rural Housing Boards/ Corporations

Slum Clearance Boards

Development Authorities

Improvement Trusts

Municipal Corporations/Councils

Water Supply & Sewerage Boards

Police Housing Corporations

Roads and Bridges Development Corporations


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HUDCO: OPERATIONAL HIGHLIGHTS(As of 31stMarch, 2013)

Loan Releases : Rs 85,657 Crore

Contributing to development of Housing:

* Total Dwelling Units :15.47 M

Rural : 9.22 M

Urban : 6.25 M

* Plots : 0.65 M* Sanitation Units : 6.69M

No.of Projects Sanctioned: 16,537

Loan Sanctions : Rs 1,44,366 Crore

Contributing to development of InfrastructureNumber of Schemes :1711Total Loan amount (Sanction): Rs. 98,707 crore

Operations extend over 1800 towns and thousands of villages


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State-wise HUDCO Performance(Cumulative as on 31stMarch, 2013)

State / UT LoanSanctioned

(Rs. Cr.)

UnitsSanctioned

(No.)

State / UT LoanSanctioned

(Rs. Cr.)

UnitsSanctioned

(No.)

Andhra Pradesh 3654 24,72,597 Madhya Pradesh 1870 2,15,770

Arunachal Pradesh 10 1903 Mizoram 72 12,245

Assam 750 81,494 Nagaland 544 22,082

Bihar 2720 1,04744 Odisha 1978 5,08,119

Chhattisgarh 2786 76,045 Punjab 1329 1,28,479

Delhi 1625 24,360 Rajasthan 4498 8,74,201

Goa 40 7,393 Sikkim 46 12,839

Gujarat 1786 5,95,512 Tamil Nadu 4389 14,25,122

Himachal Pradesh 518 82,159 Tripura 13 7,577

Haryana 955 1,09,752 Uttrakhand 290 56,369

Jharkhand 969 3,98,835 Uttar Pradesh 2993 6,45,928Jammu & Kashmir 91 23,968 West Bengal 892 32,18,898

Kerala 3041 12,99,592 A&N Islands 9 538

Karnataka 4004 2,21,7925 Chandigarh 205 28,097

Meghalaya 186 20,094 D N Haveli 0.25 87

Maharashtra 3149 7,76,353 Puducherry 129 10,104

Manipur 116 14,680 Total 45660 15,473,861


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HUDCO: Social Orientation

1. Housing loan assistance linked to affordability

2. Interest Rate (floating) for Project Lending (Public Sector)

EWS : 8.00% / 8.25% LIG : 8.50% MIG/HIG : 10.25%

Category Income Limit (Rs.)

per annum

Cost Ceiling Loan Ceiling

EWS 100,000 Rs. 3,25,000 Rs. 2,50,000LIG 100,001-200,000 Rs. 7,00,000 Rs. 5,00,000

MIG 200,001-400,000 No Ceiling No Ceiling

HIG Above 400,000 No Ceiling No Ceiling


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HUDCO: Social Orientation

EWS 85.88%

MIG 2.94%

LIG 8.88%

HIG 2.30%

CATEGORYWISE BREAK-UP OF DWELLING UNITS

Total Number of Dwelling Units15.09 Million(excluding Retail Finance Units)

About 94.83% of the dwelling units sanctioned are benefiting

Economically Weaker Section (EWS) and Low Income Group (LIG)


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Increased Emphasis on Housing

98868 114009

297907 295732

422524 439286

0

50000

100000

150000

200000

250000

300000

350000

400000450000

500000

2007-08 2008-09 2009-10 2010-11 2011-12 2012-13

No. of Dwelling Units

18661232

2014

3143

4023

7637

0

1000

2000

3000

4000

5000

6000

7000

8000

9000

2007-08 2008-09 2009-10 2010-11 2011-12 2012-13

Housing Sanctions (Rs. Cr.)


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HUDCOs Role in Major Initiatives of

Govt. of India

JNNURM:Involved in Appraisal, Monitoring, Capacity building and supporting the

agencies through preparation of CDPs and DPRs. In addition, HUDCO also

offers Viability Gap Funding.

Interest Subsidy Housing for Urban Poor (ISHUP) scheme:HUDCO is a Nodal Agency as well as a Prime Lending Institution (PLI)

Affordable Housing in Partnership Scheme (AHP):

Involved in Appraisal and Funding

Swarna Jayanthi Shahari Rozgar Yojana (SJSRY) :

Involved in capacity building activities under IEC component.

Rajiv Awas Yojana (RAY) :

HUDCO poised to take up preparation of Slum Free City Planning, Appraisal,Monitoring, Capacity Building and Viability Gap Funding.


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Support to HUDCO by the Ministry of HUPA, GoI

HUDCO has been facilitated to play a significant role in the successful implementation of

the Government of Indias flagship programme of Jawaharlal Nehru National Urban

Renewal Mission (JNNURM) in the following ways:

1. Preparation of Detailed Project Reports (DPRs): 60 DPRs for BSUP& IHSDP

2. Appraisal : 1246 projects covering 875 cities/towns, accounting for about 77% ofall the projects sanctioned by MoHUPA.

3. Monitoring : One of the Central Monitoring agency for BSUP/IHSDP, 175 fieldvisits done.

4. Assessment of Third Party Monitoring reports : 998 reports analysed

5. Funding of Viability Gap requirements Sanctioned 64 projects (loan Rs4376 crore), covering 18 infrastructure projects, and 5.24 lakh housing units

6. Capacity Building : 77 Regional level Programmes for JNNURM, 42 State &Regional level workshops.

7. Role in Rajiv Awas Yojana (RAY):

* preparation of 8 Slum Free city Plans have been taken up,

* three National Workshops on RAY organised* 22 Pilot DPRs appraised by HUDCO.


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HUDCOs Viability Gap Funding

( Infrastructure Schemes under UIG)

State No. of

Schemes

Project Cost

(Rs. Cr.)

Loan Amount

(Rs. Cr.)

Andhra Pradesh 3 1908 275

Chhattisgarh 3 350 35

Gujarat 2 335 146

Kerala 1 42 2

Jharkhand 2 502 253

Madhya Pradesh 5 481 166

Punjab 3 1387 915

Rajasthan 1 400 300Tamil Nadu 2 2346 686

Uttar Pradesh 1 326 96

West Bengal 1 1138 150

Total 24 9214 3023


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Special Focus Areas

in Lending for Weaker Sections

H i O ti


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Housing Co-operatives based on Workshed-cum-Shelter concept Kanchipuram/Arignar Anna Weavers Scheme Special Scheme for Bidi Workers, Fishermen, Potters etc.

Housing OptionsWorkshed-cum-Shelter

W k A H i


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Work Areas-cum-Housing Weavers Housing

Housing linked with Pit Loom,Bench Loom or Jacquard Loom

Coir Reelers HousingHousing in Clusters with

Coir Reeling activity in centralarea as a group activity

Beedi WorkersHousingHousing with Beedi Rolling platform

and storage for raw material and finished products

Artisans HousingHousing with provision for requirements like potters wheel etc.

SericultureWorkers HousingHousing with provision of Silk Worm rearing areas

Fishermen HousingProvision for fish drying & storage, Boat painting & Net repairs etc.

Other Workmen HousingLike Tree Plantation Workers, etc.


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CLUSTER HOUSINGVARIOUS OPTIONS


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Layout Plan of BSUP project at Agra, UP


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Cluster housing

entailing several

common walls

and consequent

reduction in cost

of housing unit.

External doors &

windows have

jaalis, to make

them vector free.

Minimum

circulation area

Built in cupboards

Common

Courtyard offers

interaction among

inhabitants

Planters for

beaufications


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Larger green areas

provide space for

other recreational

activities

Jogging Track


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Affordable Housing

Recent Initiatives of HUDCO

towards increased lending for Affordable

Housing


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Social HousingRecent Initiatives of HUDCO

towards increased lending for Social Housing1. Revision of Income, Cost and Loan ceilings for EWS/LIG/ MIG/HIG

2. Waiver of application fee for EWS & LIG schemes

Payment of non-refundable application fee (Rs 5 lakh) for EWS/LIG from

Govt. /Public sector exempted (Since November 2010)

3. Waiver of front-end-fee for EWS & LIG categories

EWS/LIG projects from Govt./public sector borrowers are exempted from

non-refundable front-end-fee (of 0.25% upto Rs 1 crore). (Since Nov. 2010)

4. Removal of cost ceiling for JNNURM related housing projects

(under BSUP & IHSDP) in view of grant component

5. Interest rates extremely competitive and reasonable(88.5% for EWS/LIG and 10.25% for Other Public projects; 14.5 for

other Private projects)

6. Lending for the Viability-Gap under JNNURM as part of

BSUP/IHSDP components 50 Schemes, Rs 3069 crore loan, for 5.67lakh units.


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Towards Affordable Housing

Technology Advocacy on use of costeffective building materials and

construction technologies


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Housing becoming beyond the reach of thepoor, low income and even middle income

groups

Need for identifying cost effective technologies

Options available through R&D results

Requirement of technology transfer mechanism

by which the fruits of the research efforts canbe applied at field level.

Towards Affordable Housing

Aff d bl H i th h


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Affordable Housing through

Appropriate Technology

HUDCO emphasis on Building Materials andTechnologies which are

Environment Friendly

Ecologically Appropriate

Energy Efficient

Aesthetically Pleasing

Yet

Economically Affordable and Cost Effective


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Building Centre: Objectives

* Technology Transfer from lab to land* Skill upgradation and training to the construction

workers at various levels

* Production of building material components using

appropriate technologies and outletting the same* Construction of housing and building using the trained

work force and the produced components as a costeffective building system

* Giving the necessary housing guidance, information andcounselling to the people on the proven innovative,environment friendly, ecologically appropriate, energyefficient, aesthetically pleasing and yet cost effective

building materials and technology options.

BUILDING CENTRES


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BUILDING CENTRESAN OVERVIEW

National Network of Building Centres was launchedby the MoHUPA in August 1988 as a Central Schemefor providing decentralized delivery system fortechnology transfer from lab to land.

Total Number Sanctioned : 577 in 399 Districts Works Executed : Rs. 1453 Crore

Materials Produced : Rs. 367 Crore

No. of Persons Trained : 2.58 lakh

The Scheme was discontinued by the Planning

Commission in 10thPlan.


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REVIVAL OF BUILDING CENTRES

HUDCO has constituted a Committee under the

Chairmanship of Shri Kirtee Shah for revival and

strengthening of National Network of Building Centres

under HUDCOsCSR Policy.

The Committee, after visiting various Building Centres,

has prepared the Report and suggested 12 pilot phase

interventions for a total project cost of Rs. 98.90 lakh.

BMTPC to undertake the proposal with HUDCOs

Financial and Technical support.

Stabilised Mud Blocks + Micro Concrete Roofing Tiles +


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Stabilised Mud Blocks + Micro Concrete Roofing Tiles +

Ferrocement Channels

Brick Masonry + Corbelled Brick Pyramid


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Brick Masonry + Corbelled Brick Pyramid


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Bamboo demonstration unit at IIT, Delhi

C t S i th h A i t


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Cost Savings through Appropriate

Technology OptionsTechnology for % saving

FOUNDATIONS 15 - 25WALLING (SUPER STRUCTURE) 5 - 30ROOFING 10 - 40

MISCELLANEOUS ITEMS 20 - 60

Di t R h bilit ti


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Disaster Rehabilitation:

HUDCOs EffortsHUDCO has been on the forefront of disaster mitigationefforts in India and has played an active role in the

rehabilitation of Gas victims in Bhopal

Earthquake victims in Uttar Kashi, Latur , Jabalpur, Chamoli &Rudraprayag, Gujarat and Jammu & Kashmir

Flood victims in Mewat, Haryana, U.P.,Bihar, West Bengal, Orissa,

A.P.,Tamilnadu, Kerala, Karnataka, Gujarat, Maharashtra, Rajasthan

Victims of Landslide and Sea erosion in Kerala

Fire affected people in Dhenkanal, Orissa

Cyclone affected people in Andhra Pradesh and Orissa

Tsunami affected people in southern states of India

Cloud burst in Leh; support being extended in Uttarakhand

REHABILITATION ASSISTANCE


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HUDCO assisted in rehabilitation/reconstruction of housing and otheramenities for natural calamity (earthquake/cyclone/ flood/Tornadoetc.)affected areas in Uttarkashi, Jabalpur, Latur, Andhra Pradesh,Tamil Nadu, Kerala, Bihar, Punjab, Haryana Karnataka, HimachalPradesh, West Bengal, Orissa and Gujarat etc.

REHABILITATION ASSISTANCE-

VICTIMS OF NATURAL CALAMITIES

DwellingUnits

Loan Amount.

(Rs. in crore)

1 Flood 35,72,434 956.152 Cyclone 4,37,934 1054.17

3 Earthquake 1,31,067 197.45

TOTAL 41,41,435 2207.77


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Innovative Initiatives in 2012-13

Recent Initiatives for Improved


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Dynamism

New Products

Rent to Own Scheme :

An innovative scheme for the Govt employees,

such as constables, bus drivers/conductors.

Would enable the employees to own a house over

time, through the support of their organisations.



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Dynamism

New Products Hudco Nav Nagar Yojana (HuNNY) :

An integrated solution (from planning to financing) for new

township/layout development.

Aim: Leveraging urbanization to create self-sustainable

development model

Components: Optimal mix of housing for all categories, social

infrastructure, commercial and office spaces

HUDCOsSupport: Hand holding, Financing, Conceptualizing,

Architectural Consultancy, DPR preparation, net-working for

other needs, Training for Capacity Building.

Benefits to ULBs: improved urban amenities; improved

municipal finances; demand for townships, etc.



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Dynamism

New Avenues for Improved Contribution:

Micro Finance for Housing

- To ensure financial inclusion of poor and self-employed women in slums and informal

settlements

- HUDCO to join hands with SEWA through

equity investment of Rs. 1 crore (10%) in the

proposed new Housing Finance Company.



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Dynamism

Partnering Delhi-Mumbai Industrial Corridor

Subscribed 19.90% (Rs. 19.9 crore) of the equity

capital of DMICDC.

Venture Capital

Subscription of Rs. 25 Crore in India Inclusive

Innovation Fund (IIIF) - Venture Capital Fund being

established by the National Innovation Council.Infrastructure Debt Fund

Subscription of up to Rs 50 crore to Infrastructure

Debt Fund (IDF) of IIFCL.


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Thank you foryour kind attention

The Foundation for a Stronger India

4. Baligar_HUDCOs Initiatives

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