TOTAL HOUSING IN KERALA

TOTAL HOUSING IN TOTAL HOUSING IN KERALAKERALA

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Public housing started off with Village Housing Programme in early 70’s

In 1972 State pioneered large scale public housing programme for poor namely One Lakh Housing Scheme which aimed to provide house site and a houses to landless

In the early 80’s, housing for SC/ST’s were taken up in a big manner as part of NREP and RLEGP

In the wake of severe floods in 1984, a Rehabilitation Housing Scheme was launched for the poor with share of institutional finance

From 1989 onwards housing was taken up under JRY

History of Public Housing in Kerala

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State experimented different loan-linked housing schemes for economically weaker sections through KSHB

Mythri Housing Scheme, launched in 1996 jointly by Housing Board and Local Governments was also an attempt at channelising institutional finance for housing programme for the poor

Housing for poor assumed special importance with the launch of the Peoples Plan

Local Governments gave special priority to Housing Total Housing taken up in Thiruvananthapuram, Kollam and Thrissur which resulted in reasonably good coverage

History of Housing in Kerala (Contd….)

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Other Housing Programmes

‘Bhavanashree’ – a unique loan linked scheme of Kudumbashree, families having a two years membership in NHG and having at least 1.5 cents of land are eligible. LSGS normally give a subsidy of Rs.10,000/- - loan portion from commercial Banks ranging from 30,000/- to 50,000/-. Repayment period is ten years with an EMI of Rs.700/- for a loan of Rs.50,000/-

Housing scheme of SC Department – assistance given @ Rs. 1 lakh per BPL family – 10000 houses [average] are taken up annually

Housing Scheme of ST Department – assistance given @ 1.25 lakh – 1250 houses [average] are taken up annually

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Housing Scheme of Fisheries Department – Beneficiaries are selected through draw of lots by a committee headed by District Collector- 1500 houses taken up annually

Tsunami Houses – A major rehabilitation housing scheme focusing on costal areas using the special development funds provided by Government of India – unit cost Rs.3,00,000/- per unit

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Policy to go for a total housing namely EMS Total Housing Programme declared. Instructions issued to LSGs in 14.05.2007 to mobilise resources as a corpus fund to which contributions, own resources and plan grant assistance could be integrated

This was followed by preparatory phase in which District level meetings of three tier Panchayats were convened by Hon’ble Minister for Local Self Government, Hon’ble Minister for Finance, Principal Secretary, Local Self Governments and Head of the departments to mobilise support.

Towards total Housing

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An expert group was set up under KILA for developing a methodology for go in for total housing, design of houses and giving technical guidance

After policy clearance by the State Government detailed instructions were issued on 1.1.2009 which was refined several times based on suggestions received from LSG’s/experts

Comprehensive guidelines for EMS Total Housing Programme was issued on 7.11.2009

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EMS TOTAL HOUSING EMS TOTAL HOUSING PROGRAMMEPROGRAMME

Objective:To provide houses to all houseless BPL house

holds and to provide house sites and house to all landless houseless BPL households

Time Frame:To complete the project in the period of

2009-2011

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Eligibility Criteria

The family should be BPL - Ration card taken as basis document for deciding a family and

its member A family living together will not be split The scheme is for replacement of one unusable house by a

pucca house or land and house to landless The family should not have got assistance for house within 10

years under any Government scheme

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Exclusion Criteria

The household should not come under exclusion criteria fixed for weeding out

ineligible families from the BPL list. The exclusion criteria are as indicated below

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1. Families with a member who is an Employees of class I to IV in Government/Private/ Semi-Government /Aided/Co-operative Institution and Govt./Services pensioners and pensioners of Private/Semi Govt./Aid Institutions.

2. Families with Regular Employees of Public/Private Institutions [Excluding workers in traditional sectors like coir, cashew].

3. A family having a concrete house having a plinth area of 100 Sq feet of above.

4. Families having 4 wheel vehicle for private use.5. Families who have a member working in a Foreign Country6. Families having 1 acre of land, excluding in the case of ST.

Exclusion Criteria (contd…)

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Identification of beneficiaries

BPL list prepared on the basis of BPL Survey held on 2003 and as validated by the

Neighborhood Groups [NHG] of Kudumbashree in 2007 was taken as the basis document for identification of beneficiaries

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Eligible households who were left out from the BPL list especially SC/ST’s, traditional

Fishermen and beneficiaries of Ashraya programme [Destitutes] and that of other

categories were also be considered provided they get 18 marks or above as per the criteria

fixed by State Government for including families in the BPL list

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Verification ProcessThe eligibility of the households was verified by a team of two officials which may consist of VEO/LVEO, ICDS Supervisor, other officials of the Panchayats including transferred officials

The team of officials visited the household to assess the actual status of the household and collected the

information in the format prescribed for verification.

Photograph of the existing house with the family were taken in digital camera.

List published and approved in Grama Sabha

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Resource Assessment

The Assessment of programmes/resources to which eligible families could be provided were

made as follows

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Programme General SC ST Total

1 Total No. of eligible families including landless

2 Tsunami housing scheme 2009-10

2010-11

Total

3 Housing scheme of Fisheries Dept. 2009-10

2010-11

Total

4 Housing scheme of SC and ST Dept.

2009-10

2010-11

Total

5 Centrally Sponsored Housing Schemes [IAY/IHSDP/BSUP]

2009-10

2010-11

Total

6 No. of families who can be included in different housing schemes [2+3+4+5]

7 Remaining beneficiaries [1-6]

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Assessment of amount to be taken as loan by Grama Panchayats

1 Amount additionally required at the Grama

Panchayat level

2 Amount available at Grama Panchayat level

i) Amount that can be provided from the Development Fund during 2009-10 and 2010-11

ii) Amount that can be provided from general purpose fund during 2009-10 and 2010-11

iii) Deposits in Bank

iv) Total [i+ii+iii]

3 Short fall at the level of Grama Panchayat [1-2]

4 Maximum amount that can be taken as loan [150% of the Development fund allocation]

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5 Amount to be taken as loan [the amount as per item (3) above or (4) above which ever is lower]

6 Amount that will be available at Grama Panchayat level including loan [(2) + (5)]

7 Amount to be received from other tiers [(1) – (6)]

Assessment of amount (Contd…..)

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Mobilisation of the shortfall amount from other tiers and role of DPC

Amount of shortfall at Grama Panchayat level to be consolidated at District level by Project Director, Poverty Alleviation Unit

The amount additionally required to be apportioned to Block and District Panchayats

Share of Block Panchayats to be apportioned to the Grama Panchayats within the Block Panchayat area

Balance amount to be met by District Panchayat DPC Co-ordinated and prepared housing plan of

the District

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Illustration of apportionment of loanIf the total amount required for 6 Grama Panchayats in a Block is Rs.250 lakh as indicated

below and the share that can met by the Block Panchayat is Rs.150 lakh the apportionment is as indicated below

Amount required share that can be met by Block Panchayat

Grama Panchayat – 1: Rs.30 lakh 30 x 150 = 18 lakh

250


250


250


250


250


250

Total Rs. 250 lakh Rs. 150 lakh

The balance amount to be met by District Panchayat in the same pattern

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Allocations of Panchayats and maximum amount of loan they could avail are indicated below

[Rupees in crores]

Local Body Allocation 2009-10

150% of the allocation [Maximum amount that could be availed as loan]

RURAL

Grama Panchayat 1048.67 1573.00

Block Panchayat 266.00 399.00

District Panchayat 273.96 410.94

Sub Total 1588.63 2382.94

URBAN

Municipalities 152.23 228.34

Corporations 122.14 183.21

Sub Total 274.37 411.55

Grand Total 1863.00 2794.49

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Availing of Loans and repayment Loans will be availed from primary Co-operative Banks or District

Co-operative Banks. If there is shortage of funds in primary Co-operative Bank, funds will

be provided by District/State Co-operative Bank. Account in the same Bank. Loan will be released in installment. All funds of housing through this account. Amount will be transferred to the account of the beneficiary in stages. The principal amount for repayment will be deducted at source and

paid to the respective Bank in ten installments from 2010-2011 to 2019-20 from the development fund allocation of the LSGs of the respective year.

Interest will be paid fully by State Government. Arrangements made with the State Co-operative Banks for the

payment of interest and principal.

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Subsidy norm for new houses

General Category - Rs.75,000/-

Scheduled Caste - Rs.1,00,000/-

Scheduled Tribe - Rs.1,25,000/-

Physically and

Mentally Handicapped - Rs.1,00,000/-

Ashraya Beneficiary - Rs.1,25,000/-

[destitutes]

The rate is applicable to all schemes implemented by Local Self Government Institutions including IAY

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In the case of IAY, the amount required over and above the admissible assistance under IAY

[Supplementary assistance] will have to be provided by District, Block and Grama Panchayats in the ratio

25 : 50 : 25

The amount required for payment of supplementary assistance is also being met from the loan availed by

Panchayats

Supplementary Assistance

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Support Arrangements

Technical Resource Team at Panchayat level with representatives of professional institutions, NGOs

Design options – Different types of design options with estimates made available to beneficiaries free of cost

Arrangement s for providing sand to beneficiaries through ‘Kalavara’ on reasonable rates

Arrangement with Forest Dept. to provide timber to Tribals on nominal rates

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Other essential facilities for a house – convergence model

Sanitary Latrine - TSC Smokless Chulah - ANERT Electrification - Covered under the subsidy Rain Harvesting, Drinking water - Through separate

project of the LSG

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Current Status of provision of houses

1 Total No. of houseless families 3.86 lakh

2 Houses Sanction

i) No. of houses sanctioned by Grama Panchayats

1.66 lakh

ii) No. of houses sanctioned under IAY in 2009-10 and 2010-11

0.95 lakh

iii) Houses sanctioned under other programmes 0.18 lakh

iv) Total houses sanctioned 2.79 lakh

3 Houses Completed

i) Houses completed by Grama Panchayats 0.28 lakh

ii) Houses completed under IAY 0.51 lakh

iii) Houses completed under other programmes 0.08 lakh

iv) Total 0.87 lakh

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Status of availing loan by Panchyats

Tier of Panchayat No. of Panchayats to

which loan sanctioned

Amount sanctioned

[in crore]

Grama Panchayt 853 1244.90 414.96

Block Panchayat 87 223.05 77.61

District Panchayat 5 165.40 61.20

1633.45 553.77

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Provision of land to landless Houseless

The identified beneficiaries who are landless-houseless to be provided land and house

Eligibility criteriaFamily should be BPLThere should not be land in the name of any of the

family membersThere should not be any possibility of getting land

through inheritance

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Land is to be made available through the following methods

1. Assignment of Government land including Surplus land/Poramboke land

2. Purchase of land by the beneficiary utilizing subsidy

3. Purchase of land by negotiation

4. Acquisition of land

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Purchase of land by the beneficiary utilizing subsidy

Beneficiary purchases land directly for which a subsidy given by the LSG

Rate of subsidy is as indicated below

For SC, ST, Ashraya beneficiaries and Road/Railway

Poramboke dwellersOthers

Grama Panchayats

75,000 37,500

Municipality 90,000 45,000

Corporation 1,00,000 50,000 The maximum subsidy or the amount as per the registered

sale deed whichever is low will given.

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Purchase of land by negotiation

The concerned LSG identifies the most suitable land after negotiating with land owners

Obtains offers for selling from the owners LSG requests the District Collector to fix the

value of land so identified LSG is free to give upto 30% of the value fixed

by the DC as solatium, if the owner is not wiling to sell the land at the rate fixed by District Collector.

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Acquisition of land Land acquisition is resorted only if it is not possible

to get land by the above three methods The Panchayat identifies suitable land suitable for

house construction, which have access to drinking water and other basic necessities.

Proposals will be sent Government seeking Government indicating as to low many landless families can be rehabilitated in the land proposed to be acquired

On receipt of Government sanction land is acquired under the fast track system by the District Collector

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Minimum Extent of land

Method of providing land

Panchayats Urban Areas

Direct purchase by beneficiary/ Provision of land by LSG

2 cents to 4 cents 1.5 cents to 4 cents

Government have exempted the registration fee and stamp duty in respect of the land to be purchased under total housing programme

The land has to be mortgaged for 10 years to the LSG for preventing alineation

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Action Plan for providing house sites

(a) Physical TargetNo. of BPL families

who have neither land or house sites

No. of BPL families whose occupied land if

any or those can be provided Government

land for homestead site

No. of BPL families for whom land is to be

purchsed or acquired for allotment as homestead sites

2.09 lakh 0.81 lakh 1.28 lakh(b) Funding Requirement

Total funds required @ Rs.10,000/- per household Central Share

128.00 crores 64.00 crores

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Issues in connection with Total Housing

Multiple families residing in a single house Unusable houses constructed Government

supported programmes and incomplete houses Difficulties in purchase of house sites – high

cost Scarcity of materials and skilled labour Indebtness of beneficiaries due to borrowing

to complete house Difficulties in constructing houses for the

extremely poor

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Remedial Action

Panchayats were instructed to conduct a survey of houses of multiple families and unusable houses

Providing sand from reservoirs to housing beneficiaries

Involving accredited agencies Creation of fund for total housing by collecting fund

from public and Government employees Training of women masons

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Co-ordination and Technical support to Total Hosing Programme

State Level Programme Management Committee under the Chairmanship of Principal Secretary, Local Self Government

District Level Programme Management Committee under the Chairmanship of DPC Chairman

Grama Panchayat Level Programme Management Committee under the Chairpersonship of Grama Panchayat President

Technical Resource Team Grama Panchayat level with five members consisting of professional institutions, NGOs

Housing Implementation Committee

At ward level with elected representatives of Kudumbashree and academic institutions

Other all co-ordination at State level

Commissioner for Rural Development

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EMS Total Housing Programme

Type design of Houses

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Design options are possible taking into account

Site condition of the plot

Beneficiaries need

Amount that can be spent

Different Plans

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Model 1

Area - 28.27 m2

- 304.9 Sq. ft.

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Model Slanting Roof

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EMS Total Housing ProgrammeModel 1 - Back side

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Model 1 - Flat roof

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Model 2Area - 25.45 sq.m.

- 273.84 sq.ft.

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Model 2

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Model 3

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Model 3

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Model 4

Area - 28.27 m2

- 307.9 sq.ft.

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Model 4

Model 4

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Model 5

Area - 30.44 sq.m.

- 327.53 sq.ft.

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Model 5

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Model 6

Area - 30.46 sq.m.

- 327.75 sq.ft.

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Model 6

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Model 7

Area - 32.13 m2

- 345.7 sq.ft.

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Model 7

Model 17

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Model 8Area

GF - 31 m2

- 333 sq.ft.

Loft - 9 m2

- 97 sq.ft.

Total - 40 m2

- 430 sq.ft.

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Section of Type 8 plan


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Model 8

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Model 9Area

GF area - 31 m2

- 333 sq.ft.

Loft area – 9 m2

- 97 sq.ft.

Total area - 40 m2

- 430 sq.ft.

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Section of Type 9 plan

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Model 9

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Model 10Area

- 32.54 m2

- 350.13 sq.ft.

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Model 10

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EMS Total Housing ProgrammeModel 11

Area - 33.38 sq.m. (359.17 sq.ft.

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Model 11

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STEPS

Model 12Area

- 33.75 sq.m.

- 363.15 sq.ft.

STAIRS

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Model 12

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Model 13

Area

- 33.87 m2

- 364.44 sq.ft.

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Model 13

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Model 14

Area - 32.93 sq. m.

- 354.0 sq. ft.

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Model 14

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Model 15Area

- 35.85 sq. m.

- 385.75 sq.ft.

STAIRS

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Model 15

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Model 16

Area

- 37.58 m2

- 404.36 sq.ft.

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Model 16

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EMS Total Housing ProgrammeModel 17

Area - 38.02 sq. m. [409.09 sq. ft.]

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Model 17

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Model 18Area

- 39.85 sq. m.

- 729.0 sq. ft.

80


Model 18

TOTAL HOUSING IN KERALA

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