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ft carpet area

300-600 sq ft carpet area

600-1200 sq ft carpet area

Income

< INR 1.5 lacs per annum

INR 1.5 to 3 lacs per annum

INR 3 to 10 lacs per annum

Cost

Not exceeding 4 times household gross annual income

Not exceeding 4 times household gross annual income

Not exceeding 5 times household gross annual income

EMI/Rent

Not exceeding 30% of gross monthly income

Not exceeding 30% of gross monthly income

Not exceeding 40% of gross monthly income

“Affordable housing to the developers is basically dependent on product type and income group of people.”

Affordable housing comprises of EWS, LIG and lower MIG group.

Also the income group varies for different class of people. Hence for example persons earning 2 lakh per annum, affordable housing for them is house costing Rs 12 lakh approximately.

“The developers believe that still in Ahmedabad city there is no such policy yet formed for provision of PPP in affordable housing to urban poor”

“The developers also believe that the government has no such vision of developing housing on a PPP basis.”

“The government is unwilling to give incentives in the form of TDR and FSI.”

“The developers believe that the policy of AUDA itself is a PPP model.”

While allotting land to the private developer, AUDA deducts 40% of land from the total plot area.

The 40% land is used for the following infrastructural development

EWS - 7-8%

Roads- 5-6%

Sewerage- 6-7%

Water – 6-7%

“The developers believe that most of the government land is in the outskirts of the city, hence shifting the poor people to the outskirts leads to loss of their daily work.”

“The developers believe that government should give tax incentives so that housing to urban poor becomes a feasible option”

“Land acquisition is also a problem for the private developers”

The quotations of the NGO’s are listed down as under

“NGO’s define affordable housing as those belonging to the economic weaker sections.”

The NGO’s provide housing to them free of cost. The NGO’s work under SRA schemes where the private party is asked to construct the houses for the EWS and they are given incentives in terms of FSI and TDR. But this policy exists in Mumbai and the state of Rajasthan.

The quotations of the financial institutions are listed down as under

“The financial institutions believe that if government is ready to take guarantee of people in the EWS to repay the loans in the form of mortgage finance then they are ready to give loans.”

“The financial institutions refrain themselves for providing loans because of credit risk of applicant and also documentation issues.”

The financial institutions like GRUHA and SEWA are involved in providing funds to EWS.

Fish- Bone Diagram:-

Fig. 8: Fish- Bone Diagram - 1

The fish bone diagram is derived from the interviews where the causes for an effective PPP are listed down.

Fig. 9: Fish- Bone Diagram - 2

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