1. RAJASTHAN INITIATIVES
INCLUSIVE APPROACH ON
HOUSING IN
URBAN SECTOR
PRESENTATION BY
G.S. Sandhu
Additional Chief Secretary
Urban Development, Housing & Local Self Govt.
Rajasthan
12th April,2013
NHB, NEW DELHI

2. 342,000 sq km Largest State in India Population 68.62 million (2011)
RAJASTHAN FACTFILE
Area
342,000 sq km Largest State in India
Population
68.62 million (2011)
State
Capital
Jaipur
Districts 33
Urban
23.38%
Cities and
Towns
222 (census towns)
184 ( Municipal towns)
Density
201 persons per
square km (2011 Census)
Major
Cities
Jaipur, Jodhpur, Udaipur, Kota, Ajmer, Bikaner, Bhilwara, Alwar, Bharatpur 2

3. RAJASTHAN – WHERE CITY PLANNING IS A TRADITION
Jaipur , Jodhpur, Jaisalmer , Udaipur, Bikaner etc are internationally known for its urban planning and architecture. The rulers of erstwhile princely states of Rajasthan patronized wide roads, excellent infrastructure, recreation areas, public parks etc. & traditional building art and artisans which made Rajasthan rich in heritage buildings, monuments & PLANNED WALLED CITIES. 3

4. CATEGORY WISE HOUSING SHORTAGE
HOUSING SCENARIO
CATEGORY WISE HOUSING SHORTAGE
ALL INDIA
18.78 MILLION*
RAJASTHAN
1.07 MILLION
* 56% shortage in EWS and 40% shortage in LIG category. 4

5. POLICY INITIATIVES AN INCLUSIVE APPROACH5

6. 1. 0 – Master Plans for all Urban Areas 2
1.0 – Master Plans for all Urban Areas 2.0 – Rajasthan Township Policy – – Slum Development Policy
4.0 – Land Conversion Rules U/S 90-A 5.0 – Model Building Regulations(All ULB’s) – 2010/ Policy of Transferable Development Rights – – Prashasan Shehron ke sang Abhiyaan – 2012
Affordable Housing Policy Project of Mass Housing in 50 Cities/Towns Mukhyamantri Shahari BPL Awas Yojana 6

7. Highlights of Policy Initiatives7

8. Master Plans for All the Cities/Towns
In 2009 – Only 65 Towns had Master Plans..
The State Government took a decision to prepare Master Plans for all the 184 ULB towns through outsourcing.
Now Rajasthan is the only state where all 184 ULB towns have Master Plans / Land use Plans.
Residential Land use – sufficiently earmarked in all the towns looking to population projections in next 25 years – Areas also reserved for Affordable Housing – Close to Industrial areas / Major work centers. 8

9. Affordable Housing Policy - Approach
Role of Public sector – Model no.1
RHB Schemes– 50% EWS,LIG and 20% MIG A
Urban Local Bodies Schemes – 25% EWS,LIG and 20% MIG A
Role of Private Sector – 15% of Plots in any township for EWS,LIG Group Housing Project – 5% of FAR for EWS,LIG
Public – Private Partnership – Model no.2,3,4 and 5 9

10. AFFORDABLE HOUSING POLICY - 2009
TARGET
Initial target of over 1,25,000 houses for EWS, LIG and MIG category in 5 years
Target revised upwards to 5.0 lakhs houses looking to over whelming response from private developers 10

11. Model No-2: Private developers on Private land : Buy back by the Govt.
AFFORDABLE HOUSING POLICY – 2009 Public Private partnership Models
Model No-2:
Private developers on Private land : Buy back by the Govt.
Selected developers to take up construction of EWS/LIG/MIG-A flats (G+2/G+3 format) on minimum 40% of the total land for EWS/LIG & 12% for MIG A.
Built up EWS/LIG/MIG-A flats to be handed over to the nodal agency (Rajasthan Avas Vikas & Infrastructure Limited) at pre-determined prices, to be allotted to the eligible beneficiaries.
Developer free to construct MIG-B/HIG flats on remaining land.
Several incentives offered to developers. 11

12. AFFORDABLE HOUSING POLICY - 2009 HIGHLIGHTS OF THE POLICY
Model No-3:
Private developers on land under acquisition: Buy back by the Govt.
ULBs to identify private lands for acquisition and set apart for construction of houses to the developer
cost of acquisition +10% shall be payable by the selected developer
Land owners whose lands already under acquisition for residential schemes of Development Authorities / UITs /ULBs. may be used for creation of stock under Affordable Housing Policy like in Model No.2.
52% of the land will be used for EWS/LIG/MIG-A as per Model No: 2 of the policy
Remaining 48% land allowed to be used for HIG and other category of flats . 12

13. AFFORDABLE HOUSING POLICY - 2009
HIGHLIGHTS OF THE POLICY
Model No-4:
Private developers on Government land: Free land by Govt. in lieu of constructed houses (For Rental housing or outright sale basis)
The ULBs to offer Government Land for construction of EWS/LIG flats through open bidding process.
Land is offered free of cost but the bidding parameter is the maximum number of flats offered by the bidder
The developer offering the maximum Flats is awarded the project. 13

14. Slum Housing : on PPP Model
AFFORDABLE HOUSING POLICY
HIGHLIGHTS OF THE POLICY
Model No-5
Slum Housing : on PPP Model
To encourage PPP Model for Slum Redevelopment
Slum Development Policy issued by the State Government on
Slums situated on Govt. land as well as on private lands can be taken up for Redevelopment
Several incentives – FAR 4.0 , Commercial 10% , High rise permitted on developers segment 14

15. FAR – DOUBLE OF THE PERMISSIBLE FAR, FACILITY OF TDR AS PER TDR POLICY
AFFORDABLE HOUSING POLICY
INCENTIVES TO THE DEVELOPER
FAR – DOUBLE OF THE PERMISSIBLE FAR,
FACILITY OF TDR AS PER TDR POLICY
COMPLETE WAIVER OF -
EDC
BUILDING PLAN APPROVAL FEES,
CONVERSION CHARGES
COMMERCIAL USE UPTO 10% OF PLOT AREA
FAST TRACK APPROVAL OF THE PROJECT
BUY BACK OF THE FLATS BY THE NODAL AGENCY OF THE STATE GOVT. AT PRE-DETERMINED PRICE i.e Rs 750 /* per sq ft ON SUPER BUILT UP AREA for EWS/LIG & Rs 1000/- per sq ft for MIG-A
(*Price revised to Rs per sq ft looking to extra ordinary rise in construction cost .) 15

16. Benefits to the Allottees
AFFORDABLE HOUSING POLICY
Land Cost nil
Ceiling cost of EWS flats Rs lacs (Revised 2.75 lacs)
Ceiling cost of LIG flats Rs lacs (Revised 4.25 lacs)
Super Builtup area of EWS Sqft ( 2 rooms, kitchen, WC, bath)
Super Builtup area of LIG Sqft ( 3 rooms, kitchen, WC, bath)
Super Builtup area of MIG-A Sqft ( 2BHK Flat )
Bank loan to be made available to Beneficiaries
Stamp Duty for EWS flat Rs per flat ( 8% earlier)
Stamp Duty for LIG flat Rs per flat.
Interest subsidy of 5% in EMIs, upto loan of Rs lacs(Being revised to Rs 5.0 lacs) under ISHUP scheme.
SUBSIDY OF Rs 12,500/ FLAT APPROVED BY GOI FOR JAIPUR CITY PROJECTS UNDER “AFFORDABLE HOUSING IN PARTNERSHIP” OF GOI, TO BE TRANSFERRED TO BENEFICIARIES . 16

17. AFFORDABLE HOUSING POLICY – 2009- ELIGIBILITY FOR DEVELOPERS
Any developer fulfilling the following criteria will be eligible to apply under various models.
Experience in building construction works for at least three years with good track record of quality construction works.
Total net worth (Reserve & Capital) of last three years (of the company or its sister concern or consortium) equivalent to at least 10% of the project cost (excluding land cost) i.e. cost of proposed EWS/LIG houses.
under model no.2, the developer should hold at least 5.0 acres of land in the concerned
The developer should have executed minimum 2.0 acres of Residential or other type of Development in a single project during the last 3 years. (As a developer or builder or as construction agency)
Joint venture or Special Purpose Vehicle by private developers will also be eligible under the Policy. 17

18. Criteria for Site Selection for Affordable Housing Schemes
AFFORDABLE HOUSING POLICY
Criteria for Site Selection for Affordable Housing Schemes
Site to be selected / approved should preferably be in the vicinity of existing infrastructure, so as to minimize delay and cost in extending various services to the scheme area.
Proper Approach.
Availability of Local Transport.
Availability of Water & Electricity.
Primary School to be in near vicinity.
Primary Health Center facility nearby.

19. SEWERAGE TREATMENT PLANT WASTE WATER RECYCLING
AFFORDABLE HOUSING POLICY – FACILITIES IN THE SCHEME
SEWERAGE TREATMENT PLANT
WASTE WATER RECYCLING
PARK – 5% OF TOTAL BUILT UP AREA
PARKING FOR TWO WHEELERS IN EWS/LIG AND FOUR WHEELERS IN MIG-A AREA
GATED COMMUNITY/SECURITY
LIVELIHOOD CENTRE – 1% OF TOTAL BUILT UP AREA
SCHEME OF SWARN JAYANTI ROJGAR YOJANA FOR TRAINING WOMEN 19

20. TIME ALLOWED FOR COMPLETION OF THE PROJECT.
AFFORDABLE HOUSING POLICY
TIME ALLOWED FOR COMPLETION OF THE PROJECT.
Time allowed for completion of the project as follows:-
EWS/LIG flats 200 nos year
EWS/LIG flats 400 nos years
EWS/LIG flats 600 nos./above - 03years
THIRD PARTY INSPECTION FOR QUALITY ASSURANCE
If the developer completes EWS/LIG flats within the scheduled period without getting any extension, the developer will get extra incentive of 0.5 TDR/FAR after obtaining completion certificate from the nodal agency. 20

21. FINANCING MODEL IN THE POLICY
AFFORDABLE HOUSING POLICY
FINANCING MODEL IN THE POLICY
RAJASTHAN AVAS VIKAS & INFRASTRUCTURE LIMITED – Nodal agency for implementation of the policy
HFC’s/Banks involved for loan to the benefeciaries.
Escrow account between Local body – Developer – Beneficiary- To ensure Stagewise Payment to developer
VAT exemption
Allotment/lease deed of the flat-directly mortgaged to the bank.
Extra comfort to the banks by ULBs in case of default- possesion of the flat to be taken & re- alloted to next benefeciary. Payment to be made to Bank BY ULB hence ZERO Risk to Banks 21

22. FINANCING MODEL IN THE POLICY – CREATION OF CORPUS /RESERVE FUND
AFFORDABLE HOUSING POLICY
FINANCING MODEL IN THE POLICY – CREATION OF CORPUS /RESERVE FUND
Dedicated Reserve/Corpus Fund of Rs cr created in RAVIL for providing finance to the developer on the executed work so that stage wise payment to the developer is not delayed.
The Fund to be raised upto Rs cr depending upon future requirements 22

23. HOUSING FINANACE – IMPORTANT INITIATIVE
DEDICATED HOUSING FINANCE COMPANY FOR RAJASTHAN
Joint venture of IFCI, NHB AND STATE GOVT. To provide easy housing loan to persons with income group of – 20,000 per month
FIPB Approval Awaited.
Micro financing companies to be involved for housing loan to persons with lesser income.
MOU SIGNED – TRIPARTITE AGREEMENT
BETWEEN THREE SATKEHOLDERS 23

24. AFFORDABLE HOUSING POLICY - 2009
Role of NGO’s:
Identification of beneficiary ( footpath dwellers, taxi & rikshaw dwellers, etc. )
information to the beneficiary about government’s Affordable Housing Initiatives.
Helping him/her in filing of application form for allotment and in all after procedures like giving information about dues, registry and procurement of housing loans from Bank.House loan under ISHUP being sanctioned by the Banks
Providing information about Self Employment Schemes. 24

25. ACTION ON IMPLEMENTATION OF POLICY
AFFORDABLE HOUSING POLICY
ACTION ON IMPLEMENTATION OF POLICY
Model No – Mandatory provision
More than 15,000 flats/plots reserved in schemes of RHB/Urban Local bodies / Private developers
Model No – On private land
Phase – I : Work on 14 projects having more than 14,000 houses in 8 Towns at completion stage.
Phase – II : 24 projects in 13 Towns approved and registration for more than 21,000 houses received.
Phase – III : 18 Developers have submitted their expression of interest for more than 18 Towns.
Model No On Government land
JODHPUR DEVELOPMENT AUTHORITY and UIT KOTA – work at completion stage for more than 5,000 houses. 25

26. Project of Mass Housing in 50 Cities/ Towns
To undertake large scale Low Cost Housing projects for EWS & LIG category on the Government lands situated in about 50 cities/Towns being offered to Developers.
Out of total land parcel, EWS/LIG/MIG A housing to be constructed on 75 percent of the area, remaining 25 percent of the land will be allotted to developer, free of cost to cross-subsidise the cost of dwelling units.
Bidding by developers is to quote per sqft rate with maximum ceiling rate is Rs per sqft.
incentives viz- FAR (2.25) (without betterment levy), complete waiver of Building plan approval fees, commercial use upto 10% of land area. 26

27. MukhyaMantri Shahari BPL Awas Yojana
Hon’ble CM’s Budget Announcement To fulfill Social Commitment of providing housing to the persons below poverty line
A direct subsidy of Rs 75, to BPL family – To construct One Room unit.
Additional subsidy of Rs for construction of Toilet
30 sq mt plot to be allotted free of cost
Beneficiary allowed to construct his house
Homeless persons , persons having less than 25 sq mt built up area or kutcha houses in the BPL list are eligible for the subsidy.
1.0 lac houses / year to be constructed
Rs cr loan (per Year)being taken from HUDCO 27

28. RAJASTHAN TOWNSHIP POLICY 2010
Township Policy to promote Integrated Schemes in Private Sector
Several incentives being offered to developers having townships on 10.0 ha or more area of land
Special Townships – IT Township , Educational Township , Industrial Township , etc are also permitted
Affordable Housing on Land Under Sick Industrial units
15% of plots to be reserved for Affordable Housing in each of the township schemes
Government land falling within the Township area can also be allotted if 75% of land is under possession of developer
Clubbing of two or more adjoining schemes also allowed
Process of approvals simplified under Sec. 90 A of Land Revenue Act with max limit of 45 days
THANK YOU

29. SLUM DEVELOPMENT POLICY 2012
The Private developer may take up the redevelopment project on any slum identified by the Local Body or interested developer may also identify other suitable slum / slums which can be taken up for redevelopment after obtaining consent from slum dwellers
Slums situated on private lands can also be taken up subject to conditions i.e. Consent from slum dwellers and private land owners , projects can be taken up on mutually agreed terms with land owner and local body

30. Tool for creation of facilities without Land Acquisition
TRANSFERABLE DEVLOPMENT RIGHTS POLICY 2012
Rajasthan , The only State in North India to implement TDR Policy
Tool for creation of facilities without Land Acquisition
a. Development of Affordable houses under State Affordable Housing Policy in lieu of Floor Area Ratio (FAR) granted as per the Policy.
b. Development of Green spaces- Parks/ Open Spaces/Playgrounds /Water Bodies etc. as per the provision of Master Plan/ Sector Plan.
c. Development of Master Plan/ Sector Plan roads including road widening
d. Development of Public Parking lots,
e. Development of City level Facilities/other public purposes as per Master Plan proposals.
f. Slum rehabilitation scheme under Slum Development Policy 2012.
g. In lieu of land surrendered for other purposes as specified by the State Government. 30

31. PRASHASAN SHEHRON KE SANG ABHIYAAN 2012
A Special Campaign to provide relief to persons living in Urban Areas – with an Human centric approach
Regularization of Unauthorized colonies existing on Agriculture land in Urban areas
Title to plot holders – A major relief to provide Housing
An Unique experiment of involving Dedicated Consultants in each of ULB to provide Technical support in Town Planning and Engineering field
More than 5000 Layout Plan got prepared
About 2.0 lacs title deed issued – Plot holders can now construct houses and also get house loan etc.
Title deed to Slum Dwellers – Over 30,000
Building Plan Approvals
THANK YOU

32. ISSUES TO BE CONSIDERED TO PROMOTE AFFORDABLE HOUSING
LUKEWARM RESPONSE OF THE BANKS TO PROVIDE HOUSE LOAN TO EWS/LIG CATEGORIES
LOW SANCTIONS/DISBURSEMENTS - ONLY 48% OF THE APPLICATION SANCTIONED AND 25% DISBURSED UPTO MARCH,2013
LOW LOAN AMOUNT – ONLY Rs 1.0 LAC FOR EWS LEAVING A BIG GAP TO MEET THE COST OF HOUSE WHICH IS Rs 2.75 LACS
SUBSIDY UNDER RAJIV AVAS YOJANA TO BE EXTENDED TO PROJECTS UNDER THIS POLICY
ENVIRONMENT CLEARANCE DELAYS AFFORDABLE HOUSING PROJECTS
STEEP INCREASE IN COST OF BUILDING MATERIALS Ex. CEMENT BAG FROM Rs 170 TO 300 PER BAG STEEL Rs 35 PER KG TO 50 , LABOUR WAGES FROM Rs 150 TO 300 UNSKILLED AND Rs 300 to 500 SKILLED
INCOME TAX /SERVICE TAX EXEMPTIONS NEEDED

33. M/s Sintex Industries (Behind Pink Pearl) Jaipur – 432 Units
ACTUAL SITE PICTURES OF AFFORDABLE HOUSING SITES IN JDA REGION
M/s Sintex Industries (Behind Pink Pearl) Jaipur – 432 Units 33

34. M/s Siddha Infra Project (Jaipur) – 400 Units
ACTUAL SITE PICTURES OF AFFORDABLE HOUSING SITES IN JDA REGION
M/s Siddha Infra Project (Jaipur) – 400 Units 34

35. M/s PATNI BUILDERS PVT. LTD. (CHAKSU) – 1880 Units
ACTUAL SITE PICTURES OF AFFORDABLE HOUSING SITES IN CHAKSU
M/s PATNI BUILDERS PVT. LTD. (CHAKSU) – 1880 Units 35

36. ACTUAL SITE PICTURES OF AFFORDABLE HOUSING SITES36

37. ARIHANT BUILDERS JODHPUR – 1300 UNITS
ACTUAL SITE PICTURES OF AFFORDABLE HOUSING SITE JODHPUR – MODEL NO. 4
ARIHANT BUILDERS JODHPUR – 1300 UNITS 37

38. M/s Sintex Industries (Behind Pink Pearl) Jaipur
ACTUAL SITE PICTURES OF AFFORDABLE HOUSING SITES IN JDA REGION
M/s Sintex Industries (Behind Pink Pearl) Jaipur

39. M/s PATNI BUILDERS PVT. LTD. (CHAKSU)
ACTUAL SITE PICTURES OF AFFORDABLE HOUSING SITES IN CHAKSU
M/s PATNI BUILDERS PVT. LTD. (CHAKSU)

40. ARIHANT BUILDERS JODHPUR
ACTUAL SITE PICTURES OF AFFORDABLE HOUSING SITE JODHPUR – MODEL NO. 4
ARIHANT BUILDERS JODHPUR

41. Bakliwal Builders Kota – EWS Flats

42. ACTUAL SITE PICTURES OF AFFORDABLE HOUSING SITES42

43. Bakliwal Builders Kota – LIG Flats

44. THANK YOU