Skip to main content

Prime Minister's 'affordable' housing policy fails to help Gujarat slum dwellers: Study

By Rajiv Shah  

A new study on the implementation of one of the major policy initiatives for the urban poor by the Narendra Modi government after it came to power, Pradhan Mantri Awas Yojana (PMAY), has said that in Gujarat, which happens to be the Prime Minister’s home state, has quoted state officials as “confirming” that no progress towards tenure regularization, a key requirement for providing housing to the state’s slum dwellers.
Stating that this particularly true of smaller town, the study, carried out by the non-profit Homes in the City (HIC), which is based in Bhuj, district headquarter of Kutch that saw a devastating earthquake in 2001, says, the failure to provide affordable housing is there despite the fact that there has been “significant demand” in all the 83 out of 153 Gujarat municipalities studied by experts involved in the study.
According to the study, out f a total of 1.41 lakh demands for housing under the Beneficiary Led Construction (BLC) category, 94,232 (66.7%) as of September 2021 came from the slum areas, while rest were from the non-slum areas. Of the four categories allowed under PMAY, BLC was found to be the most attractive. The other three schemes were -- Credit Linked Subsidy Scheme (CLSS), In Situ Slum Rehabilitation (ISSR) and Affordable Housing in Partnership (AHP). All the schemes involved Central and state government subsidies.
The study, titled “PMAY and Housing For All in Small and Medium Size Towns of Gujarat”, examines implementation of PMAY in 1534 slums in 83 municipalities, out of which number of “tenable” slums are 1274 (83%), while the rest are “untenable”. The total number of households in these slums in Gujarat is 2,16,351, out of 90.7% are found to be eligible for benefit under the Government of India scheme.
Those involved in the study included Prof Amita Bhide, School of Habitat Studies, Tata Institute of Social Sciences (TISS), Mumbai; Ravi Sannabhadti, faculty, Planning and Public Policy, CEPT University, Ahmedabad; and Shehnaz Ansari, who is with the advocacy group Human Development and Research Centre (HDRC), Ahmedabad.
Launched in 2015 in order to provide “housing for all” by 2022, PMAY, a supply side intervention, focused on increasing formal housing supply through construction of more houses either by the public or the private sector. The study believes, while a lot of work on housing has been done under PMAY, “most of it has been implemented for the non-slum areas”, not just in Gujarat but across India. It insists, “So far PMAY has failed to meet the needs of slum dwellers.”
Based on the data provided by the Affordable Housing Mission (AHM), as of September 2021, the study states, “None of the planned targets for slums in small and medium size towns was met”, which highlights “the failure of PMAY schemes for small and medium size towns.” Thus, under the BLC component of PMAY “has not been able to provide houses to slum dwellers in small cities due to non-ownership of land with slum dwellers”. Thus, as of September 2021, “only 522 houses were constructed in small and medium size towns” in this category.
None of the planned targets for slums in small and medium size towns was met, which highlights failure of PMAY
The study of Gujarat urban areas suggests that major issues related to accessing PMAY in small towns under the BLC scheme were -- potential beneficiaries in slums dud not hold land rights, and there was inadequate gap funding, and the beneficiaries could not fund the remaining amount by themselves. As for other categories, CLSS, ISSR and AHP, the hurdles included low initiative shown in developing project reports, and unwillingness of local administration for in situ development.
The study says, during the stakeholder consultation small town participants insisted that the scheme for them was “financially unviable”, In fact, the residents appeared unwilling “to move to apartment style housing”. This apart, there was lack of consultation with slum dwellers, and low expertise and low priority in undertaking up housing schemes.
The study finds slum dwellers citing ownership issues in houses built under earlier schemes like the Basic Services to the Urban Poor (BSUP) of the erstwhile Jawaharlal Nehru National Urban Renewal Mission (JNNURM). Those who received houses under BSUP “have still not got the proper title to the houses”. Then, residents were not willing to move to a location that was far away from their existing place of stay and work – which was found particularly in Porbandar.
The study believes, the current framework for land rights in Gujarat is also a major hurdle. Thus, “Many of the slums in small towns in Gujarat are built on public lands. This can be government waste land or gauchar (grazing) land in many cases”. It says, “Presently there is no comprehensive law in which land rights can be given”, and the present government resolution (GR) for “is not suited from the point of view of resolving the key issue.”
The study recommends, the Odisha model, with few modifications, could be adopted. The land rights should be awarded individually but after residents form a cooperative society, and the land rights should be “heritable, mortgageable and transferable (after a minimum period)”. This could be come after a “thorough survey of the slums, using extensive ground truthing” and come up with a layout of highly irregular settlements where necessary, it adds.
This apart, the study suggests, land up to 35 sq metres “should be given free of cost”, while beyond that “value as per jantri should be charged.” To regulate this, “a facilitation agency should be involved in the process to make sure that the beneficiaries participate and follow all the instructions and the process which is laid out by the government.” To start with a pilot project “could be conducted in one district and implemented through a GR.”

Comments

Maya Valecha said…
Some voluntary organisation working to policies or schemes is needed.
When I worked for @ 4 years each in Baroda and Surat, we could establish a rule that no slum would be demolished without giving house in JNNURM. All these land rights etc are just not required if people really fight.
Continuous rallies and all kinds of pressures were exercised. Sometimes when I think of it, we did crazy things literally.
But all success in both cities.
We don't have enough dedicated people to work like that.
All from who started together from PUCL left in 6 months!

TRENDING

Beyond India-China borders: Economic links expand, political gaps persist

By Bhabani Shankar Nayak*  Despite growing trade between India and China, a persistent trust deficit continues to shape their bilateral relationship. Expanding economic engagement has not fully resolved political differences, many of which stem from historical legacies as well as contemporary geopolitical concerns. Border disputes—often traced to colonial-era arrangements—remain a significant obstacle to deeper cooperation, while differing strategic alignments in global affairs add further complexity.

GreenTech Summit claims NCR as key green building hub, without pan-India comparison

By A Representative   The Indian Green Building Council (IGBC), under the Confederation of Indian Industry, held its GreenTech Summit 2026 in New Delhi, where industry representatives, policymakers and sustainability professionals discussed the adoption of climate technologies in India’s built environment.

Buddhist shrines were 'massively destroyed' by Brahmanical rulers: Historian DN Jha

Nalanda mahavihara By Rajiv Shah  Prominent historian DN Jha, an expert in India's ancient and medieval past, in his new book , "Against the Grain: Notes on Identity, Intolerance and History", in a sharp critique of "Hindutva ideologues", who look at the ancient period of Indian history as "a golden age marked by social harmony, devoid of any religious violence", has said, "Demolition and desecration of rival religious establishments, and the appropriation of their idols, was not uncommon in India before the advent of Islam".

Swami Vivekananda's views on caste and sexuality were 'painfully' regressive

By Bhaskar Sur* Swami Vivekananda now belongs more to the modern Hindu mythology than reality. It makes a daunting job to discover the real human being who knew unemployment, humiliation of losing a teaching job for 'incompetence', longed in vain for the bliss of a happy conjugal life only to suffer the consequent frustration.

Gujarat cadre to HDFC: When bureaucratic style hits corporate walls

By Rajiv Shah   I was a little amused by the abrupt March 17, 2026 resignation of Atanu Chakraborty —a Gujarat cadre IAS officer of the 1985 batch who retired from the government in 2020—as chairman of HDFC Bank . Much of what may have led to his decision to quit this ostensibly high post—actually a non-executive, part-time role—is by now well known. I followed most of it online with considerable interest, partly because I had interacted with him umpteen times during my stint as The Times of India correspondent in Gandhinagar from 1997 to 2012.

Operation Epic Fury: Making America great at the world’s expense?

By N.S. Venkataraman*  ​The decades-long enmity between Iran and Israel is well-documented, but historically, their direct confrontations have been brief, constrained by the logistical and economic limitations of sustained warfare. The current conflict in the Middle East, however, marks a radical and dangerous departure from this pattern. 

India has been getting its economic growth wrong for two decades, say top economists

By Jag Jivan*   India's official GDP figures have misrepresented the trajectory of the world's fifth-largest economy for the better part of two decades, according to a major new working paper published by the Peterson Institute for International Economics (PIIE). It finds that India overstated annual growth by up to two percentage points after 2011 — and understated it during the boom years of the 2000s.

Beyond the election manifesto: Why climate is now a kitchen table issue

By Vikas Meshram*  March has long been a month of gentle transition, the period when winter softly retreats and a mild warmth signals nature’s renewal. Yet, in recent years, this dependable rhythm has been disrupted. This year, since the beginning of March, temperatures across vast swathes of the country have shattered previous records, soaring to between 35 and 40 degrees Celsius in some regions. This is not a mere fluctuation in the weather; it is a serious and alarming indicator of climate change .

Jerusalem's Al Aqsa mosque under siege: A test of Muslim solidarity and Palestine’s future

By Syed Ali Mujtaba*  In the cacophony of Israel’s and the United States’ attack on Iran, one piece of news has been buried under the debris of war: Israel has closed the Al Aqsa Mosque in Jerusalem to Palestinian worshippers during the holy month of Ramadan. The closure, announced as indefinite, affects the third most revered mosque in the Islamic world.