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Session – IV Shelter Session - IV AFFORDABLE HOUSING Thiru. T.N.Ramanathan, IAS Managing Director, Housing Board, .

ABOUT T.N.H.B. ƒ TNHB formed in 1961 ƒ Earlier it functioned as City Improvement Trust from1947 ƒ MOTO: A HOUSE FOR EACH FAMILY ƒ Services offered: Houses/Flats/Plots

CATEGORIES OFFERED ƒ E.W.S - A : 4 m x 8 m ƒ E.W.S – B : 4 m x 10 m ƒ L.I.G - I : 5 m x 12 m ƒ L.I.G – II : 6 m x 15 m ƒ M.I.G. : 10 m x 18 m ƒ H.I.G. : 12 m x 20 m

LANDMARK AREAS DEVELOPED MIG & Extent EWS PLOTS HIG „ In Ac. HOUSES FLATS „ 1609.74 9692 1765 5370 „ Ashok Nagar 330.42 1328 192 746

„ K.K.Nagar 604.30 3643 264 2883 TOTAL 2544.46 14663 2221 8999

MIG & Extent EWS PLOTS HIG In Ac. HOUSES FLATS

„ M.K.B.Nagar 227.29 2188 445 664 TOTAL 227.29 2188 445 664

Demand & Supply Of Housing in – 1981 16000

14000

12000 10000 8000 De m and 6000 Supply

4000 2000 0 Plots Houses Flats Total

177 Demand & Supply of Housing in CHENNAI METRO -1991

45000 40000 35000 30000 25000 Demand 20000 Supply 15000 10000 5000 0 Plots Houses Flats Total

Housing for EWS & LIG ƒ Total housing stocks delivered - 3,95,746 ƒ %) EWS (4mx8 m & 4mx10m) - 1,25,666 ƒ LIG (5mx12m & 6mx15m) - 91,796 ƒ Slum Tenements - 20,060 (Prior to 1971) ƒ SIHS - 3,046 (Below 300 SFT) ƒ (Subsidised Industrial Housing Scheme) • Total - 2,40,568 (60.79

Housing for MIG, HIG & Others ƒ MIG - 70,649 (17.85%) ƒ HIG - 51,679 (13.06%) ƒ TNGRHS, Ancillary & Police Quarters - 32,850 (8.30 %)

COST OF FLATS SOLD BY TNHB AT CHENNAI

Over all Cost Plinth (Rs. in Lakhs) Sl. No. Type Area in Sq.Ft 1991 2001 2007

1 LIG 300-450 1.50-2.25 2.70-4.05 6.00-9.00

2 MIG 450-700 2.25-3.65 4.05-6.30 9.00-14.00

3 HIG 700-900 3.65-4.75 6.30-8.10 14.00-18.00

“There is enough on earth for everybody’s need, but not enough for anybody’s greed” - Mahatma Gandhi

178 ƒ What it means? o Affordability is a relative term linked to one’s income o No precise definition is available o US adopts 30% of the monthly income as the basis o 5 times of per capita income is suggested as another yardstick (Source : Financial Express dated 24.10.2008) o A well cut definition is needed to calibrate proper response ƒ Necessity for affordable housing ƒ 1. Shortfall at the end of 10th 5 year plan 24.70 million for 67.40 million house holds 2. Shortage in supply for EWS & LIG - 99% (Source : National Urban Housing & Habitat Policy 2007) ƒ Assisting poorest of the poor to own or rent pucca house ƒ Creating adequate stock on ownership basis through ORP or HP mode

Affecting Factors ƒ Non-availability of land at affordable price ƒ Social opposition to lawful statutory acquisition ƒ Protracted Legal Battle for E.C. by the land owners ƒ Spiraling cost of land due to competition in realty sector ƒ Escalating construction cost ƒ Cascading material cost ƒ Uncontrollable labour cost ƒ Shortfall of skilled man-power ƒ Latest service tax on Residential Apartments for more than 12 units ƒ Avenues ƒ Govt. Land : o May be provided at lower rate o May be provided with subsidy ƒ Private Land: ƒ Special Acquisition Act for TNHB as in the case of National Highways ƒ Simplified compensation determination mechanism ƒ Direct purchase from Land Owners through an Independent Committee headed by the District Collector ƒ Allotting Residential/Commercial Plots, Houses/Flats to Land Owners to minimise litigations ƒ Owners may be taken as share holders ƒ Part of land cost may be paid initially ƒ Remaining land cost may be treated as their share ƒ PP with companies with declared CSR ƒ Techniques o Reducing initial investment by SFS o Mass construction o In-house plan, design & execution o Latest technology o Finance at low interest o Lesser stamp duty for EWS & LIG o Management information System (MIS) to monitor and strengthen building activities

179

Schemes in the Offing 2008-09 ƒ Houses/Flats/Plots – 22,000 Units ƒ Strategies ƒ J.V. ƒ P.P.P. ƒ P.M.C. ƒ S.F.S. ƒ Vacant Land on Hand ƒ (Through out Tamil Nadu) – 3,089.85 Acres

Areas of schemes in chennai 2008-09 ƒ M.K.B. Nagar ƒ Ernavur ƒ ƒ ƒ ƒ Extension ƒ K.K. Nagar ƒ Ramapuram ƒ Barraca Road (Purasaivakkam) ƒ Solinganallur

Areas of schemes in mofussil 2008-09 ƒ ƒ ƒ Salem ƒ ƒ Kancheepuram ƒ Arcot (Developed plots) ƒ ƒ Theni ƒ Thirunelveli ƒ (Developed plots)

ROAD MAP TO REDUCE LAND COST ƒ Independent Regulatory Authority to regulate land price ƒ Mechanism to forbid speculation in realty sector ƒ Discouraging purchase of land as an investment destination

-ooo-

180 Session - IV HOUSING FOR SLUM DWELLERS: FUTURE PLANS IN THE CONTEXT OF MASTER PLAN T.K.Ramachandran, I.A.S., Managing Director, Tamil Nadu Slum Clearance Board, Chennai.

ƒ General scenario of slums in Chennai ƒ Part II - TNSCB’s Achievements over the years ƒ Part III – Policies and strategies proposed ƒ Part IV - Issues

Growth of Slums in Chennai Metropolitan Area

TYPES OF SLUMS Slums along Waterways Slums along Road margin

181 Slums along seashore Slums along railway line

TNSCB’s role and contributions ƒ Mandate as per TN Slum Areas (Improvement and clearance) Act,1971 o Declaration of Slum Areas o Slum clearance and redevelopment o Setting up of the Slum Clearance Board ƒ Three different types of schemes for shelters in slums o In-situ up-gradation of slum with tenure security (plot schemes) o In-situ tenement schemes o R & R Schemes ƒ Infrastructure up-gradation ƒ Community development and skill building

Cumulative Achievement upto March 2008

No of housing Fund allocation Sl.No Name of the Scheme units/ Rs in Lakhs Families

1 Housing ~80000 82969.25

2 Urban Development – Slum 650685 13931.51 Improvement families 3 Infrastructure Improvement 1430.20

4 Repairs and Renewals 31564 5480.36

5 Others 310.30

Total expenditure 104121.62

182 Problems: MUDP/TNUDP schemes ƒ Unplanned-on as is where is basis ƒ Most planning norms flouted in spirit ƒ Quite retrograde – 3-6’ roads, no open areas ƒ Public safety norms compromised-Evacuation difficult during disasters ƒ Building norms being flouted ƒ Transfer of property ƒ Change of use to commercial ƒ Transfer of property/ resale ƒ Commercial use ƒ Encroachments ƒ Lack of maintenance ƒ Non-involvement of the people in maintenance ƒ Reluctance to take responsibility ƒ Reluctance/inability to pay for upkeep

Constraints with the existing models ƒ Entirely a Government show ƒ Financial constraints ƒ Land availability ƒ Staff ƒ Capacity constraints ƒ Willingness of beneficiaries to shift

Some solutions ƒ Greater involvement of the intended beneficiaries: cooperative based ƒ Redevelopment ƒ PPP and other models of financing ƒ TDRs/ Increased FSI ƒ Mixed development with proper planning ƒ Greater plot sizes, lower plot coverage ƒ Go Vertical to increase density

Housing for the poor Provisions in the Master plan ƒ Composite neighbourhoods ƒ Development through TDRs ƒ Reservation of 10% land for LIG/EWS (> 1H layouts) ƒ Housing integrated with infrastructure, tenure security, Livelihood opportunities etc. ƒ Public Private Partnerships ƒ Connectivity

Specific strategies for inclusive housing by TNSCB ƒ Review of space standards: 270 Sft to 320 Sft plinth area per unit ƒ Cost per dwelling unit - upto Rs 4,00,000 ƒ Composite Housing – Rehabilitation Programmes including Housing, infrastructure,

183 ƒ Community facilities provided ƒ Assurance of security of tenure ƒ Provision of Health and educational facilities ƒ Livelihood programmes and skill training are integrated ƒ Housing programmes are implemented in proximity to employment opportunities ƒ New employment opportunities are also created.

Other strategies ƒ Adequate infrastructure facilities such as water supply, drainage, sanitation, streetlights etc are being provided by the EIUS schemes ƒ High dense slums are housed in multistoried tenements in order to achieve the goal of total eradication of slums under JNNURM and XII FC Schemes ƒ Urban Renewal – are being carried out by demolition and reconstruction of dilapidated Buildings ƒ Optimum Utilization of place by achieving the maximum FSI

INTEGRATED DEVELOPMENT APPROACH

NGOS LOCAL BODY CMWSSB

TNSCB EDUCATION DEPT. TNEB

REVENUE MTC

TNSCB - On going and Proposed Projects in Chennai

Sl. No Name of the Scheme No of housing Fund allocation Rs Project Period units in Crores

1 Emergency Tsunami 12000 600.00 31.12.2010 Rehabilitation Programme

2 XII Finance Commission and 5000 156.00 31. 3. 2010 Reconstruction 3 JNNURM 30000 1200.00 31.12.2013

4 Elevated Express Way 14000 560.00 31. 3.2011 Total 61000 2516.00 Housing demand as on 2011 – Nearly 50% of the EWS Hg demand will be achieved

184 Some of the Programmes of TNSCB

PROPOSED LAYOUT FOR ALL RADIO LAND B/27 RAIN WATER COLLECTION TRENCH ALL ALONG THE SITE BOUNDRY

m

m

5

5

. 7.47X12.7 95 Sqm)

.

4

m 4 524.2m

5 EXG.ROAD . 4.5m 4 10.71 33.2m 3m 3m 3m 3m 3m 3m 3m 3m 3m 3m 3m 3m 101.8

m 4

PARK-4 5

0 . 214 Sq.m

. 7 16.26

C 17 . 24

16.35 1 2 (1658 Sqm) 4.5m 3m

2 m 4.5m 101.6 13.90

5

m

. 140 Sqm

m

7.2 m road 5

1

6.34 . 8. 37 4.8m road 4.8m road 3m 4.8m road 4.8m road 4.8m road 5

.

1

d

a

1

d 20.8

o d

a m m

r

a 4

3 o

6 3

6 3 8 1.5m . m r o

m . 1.5m 1.5m .

6

PARK-1 m r 3m 3m 28.36 8 . 2

3 3

5 5

8 m Sqm

4 .

m 710 Sqm 469 25.6 2 25.6 2 3m 314

3m 8 PARK-3

3m 7

2 4 PARK-2

. 8

7 7 469 Sqm 7 7 m

. 1 VI S 469 Sqm 469 Sqm 469 3m TREET(5m)

1 1 1

1 4 120 .

.

221 Sqm . 221 Sqm . 221 Sqm. 221 Sqm 13.60

27.7 4

18.32 18.32 18.32 18.32 6

6 6 6 6 19.43 8 m m

35.8 35.8 m 35.8 35.8 m . SUMP 5 5 5 .

SUMP 5 . SUMP . . 12 m R O A D SUMP 1 1 1 1

1 18.29 11.4

9 9 9 5 3 16.8 4.0 72 Sqm4.0 66 Sqm 7.2 m

18.3 18.3 .

d d 2 333 Sqm 2 2 17.9 16.4

d . 298 Sqm

. 333 Sqm . 333 Sqm

a 0

a

2 215 Sqm 5 a m 9 9 m 9 . 1

1 1

35.81 35.81 35.81 o

o

28.4 11.74 9 .

o

r 1 1.5m

r 5 5 19.2 1

r . 3m 7 . . 25 3 Sqm

1 m

0

m

m 1.5m

2 1 27.1 1 . PARK-7

m 3m

3 3 3m

8 6

8

. 3m 8 . 215 Sqm 11.74 3 1.5m 14.91 . 18.29 4 m

4

1.5m Sqm 321

4

m m

497 Sqm 497

2 PARK-5 497 Sqm 8 PARK-6 4.8m V STREE

. road T(5m)

9 7.2 m 7.2 m 2

506 Sqm 506 3

3m 3m PARK-8 .

9 4.8m road 4 2

3m 375 Sqm 2

6 8.9 21.91 m

m 1566 Sqm 1.5m 19.0 3

m

5 4.8m R O A D m .

. 95.6m 3

3m 3 4.8m road m m 1 5 203.8m

d

3 3

m

a

3m 3m 3m D A O R m 7.2 6

o 3m

5

m

r 5640 Sqm . 3m

5 1 3m 4.5m m 3m 3m 1.5m .

8 1 29.0m 12 m R O A OD R m 12 12.8 m . 24.4m 127 Sqm

4 P A R K-11 5 .

953.4 Sqm 953.4 m 59m

SERVICE ROAD 7.2 m 7.2 m 3m 1 4.8m road 4.8m road 5 1.5m 18.3 1.5m .

18.3 d m 1

d

a D A O R m 12 B/33

t

a 0 t 5

9 f

f

o .

- o

1

r

S

r 2 S

- 1

K ( 900 sq.m ) 30.0m . 1.5m 15m K 3m 3m

27.2 m

R 8

4 1.5m m 1.5m 7 16.0 3m 3m R

A 8

16.4 9 m m 0 m 5

8 2

. 24.04 A 2

9 3m 8 P . 9 12.6 . 4 m . 4 3 3 3 171 R A I L W A Y L I N E N I L Y A W L I A R 4 P 4 2 333 Sqm

19.4 2 333 Sqm

0 H

4

. . 1 2

1 m T 0 3m

9

9.63 . 255 Sqm 9 Sqm 498 7 35.81 35.81 65.6m 30.0m D

4 5

m 35.8 9. 5 I

.

m d 16.8 m

m

3 a W 1 B/31 5 5 5 o

.

12 m R O A D . . r m

1 1 144'-6" 19.4 18.3 1 e 3 m m 7 19.8 I c . V 37.3 91 Sqm 8 8 18.3 8 i D 5 42.6 m 4 31.4m 5 E X I S T I N G R O A D 19. 2 m W I D E D W I m 2 D 19. O RA I N G S T I E X m v S 2 332 Sqm 2 332 Sqm 2 362 Sqm 1.5m . . 3m . T . . r A R

5 e

m 9 1 9 1 9 7 E 35.81 35.81 39.0 2 O . . . E

m 308 Sqm 2 m 2 S T 5 ( 1860sq.m ) 9 R

5 . 2 ( 1 2 5 1 .

. 4 . 3 3 m . 9'-2" 7 3m G )

1 7 1 1117 Sqm X

2 m 9. 6

m

2 E 2

19'-7" m

5

3 30.9 3m PARK-12 . 3m m 5 37.7m

56 '-9" 3m 498 Sqm 3m 3m m

1 .

9'-6" 4

d 498 Sqm 1

123'-7" 48.3m . 9 .

5

m a 38 . 4 6 5 . .

. 4 3 4.8m road 1 o 4.8 m 464 Sqm 8 3 1 m road m

r m 1

5 1

6m 5 6 5 22.3

3 . 28' -9 " .

m

4 PATH3m WAY 31.7m

3 1 4 .9 1 .8m road m 1.5m 1853 Sq.m 8 23.17 II . 3m 3m 3m I 29'-5" 1.5m ST

4 1.5m m R 5 m E q E

m 1 T( S 3m - 5

5

m

5 d 2 m

.

K 6 m 7.2 ) . 37.7 m a 6

3 3 . 2 7 3m m

4 m R . . 4 5 o

5 3

m 8 1

4 3m 3m 3 r 1 3m 5 A

8 . 5 78 Sq.m 6 . 5 0

. P

1

m 3m m 1 3 4 1 4 8.8 . 1

6 4

8 0

. 5 6 1.5m

4.8 3 2 m road 4 m

. m 3m 4.8m road 1.5m 1

8

m 82. 4.5m 2 7 . 5

3 PARK-13 3 18.3 I 6 8 8 I

. 5.4 S m 2 m 1 6 349 Sq.m 3 5 T

8 . m R

7 3m 16.4 9 5 7 853 Sq.m 5 PARK-14 E

. . . . E

0 3 4 3 T m . (5 7 8 29 2 1 1 7 Sq.m 328 Sq.m 2050 Sqm m 1 5.9 35.8 ) 2 45.62 16 -C.P.S

6

. 4 . 1

7 2 .03 3 2 20 Sq.m 1.5m . 1 7.2 m 7.2 m m 25.8

7 4 2 69.7 14.3m

3 . 3

. 68.6

1

. 6 4 (6 78.4 Sq.m) 7 314.9 Sqm 5 6 6. 1 8 .

8

26.7 2 I S 1 6 T 1 . R RAIN WATER COLLECTION 8 (2266 Sq.m) m EE 4 3 T TRENCH ALL ALONG . . (5m 8 7 ) THE SITE BOUNDRY m 4 50.8 m 67 m 5 .6m 7 RA . MA 5 KR ISH WAY EXPRESS NA N LOCATION MAP FOR ALL INDIA RADIO SITE AGA R 4t * TYPE DESIGN NO 20/2005 h MA IN R (NO OF FLOORS - G+3 ) OAD * PLINTH AREA / UNIT - 21.9 Sqm PROPOSED SITE * TOTAL NO.OF TENEMENTS -1824 BHARAT HIIYAR NGR. EXG.ROAD

TAMIN LAND EXG. ROAD * TYPE DESIGN NO 14/2006 ER NAVUR OVER BRIDGE (NO OF FLOORS - G+3 ) * PLINTH AREA / UNIT - 25.6 Sqm ENNORE EXPRESS WAY MANALI THIRUVOTTIYURROAD * TOTAL NO.OF TENEMENTS -3616 TO TO ENNORE

THIRUVOTTIYUR HIGH ROAD *TOTAL EXTENT - 13.69 HECT

B A Y O F B E N G A G B L E F N A A B O Y *DENSITY - 397 UNITS/HECT KEY PLAN *FSI - 0.97 (NOT TO SCALE) *PLOTCOVERAGE - 24.2%

59'-10"

1 1 0'-42" 0'-9" 0'-42" 0'-9" 0'-9" 1 1 1 1 13'-2" 3'-42" 2'-72" 0'-9" 8'-6" 0'-9" 8'-6" 2'-72" 3'-42" 13'-2"

W W V V V V

WC BATH WC 3'0"X3'6" BATH 3'0"X3'6" 3'6"X6'6" D2 7 8 3'6"X6'6" D2

D2 D2 LOFT ABOVE LOFT ABOVE 11'-0" HALL HALL 8'6"X13'9" 8'6"X13'9"

W COOKING COOKING W VV PLATFO RM PLATFORM V V KITCHEN LOFT ABOVE LOFT ABOVE

0'-9" KITCHEN WC BATH WC 4'4.5"X6'6" BATH CB CB 3'6"X3'0" W CB D1 D1 CB W 3'3"X6'3" 3'6"X3'0" 3'6"X6'3" D2 D2 6'-3" LOFT ABOVE LOFT ABOVE D2 D2

" 1 1 2

A CB 3'2.5" 3'4.5" 3'-22" CB A LOFT ABOVE 5 6 LOFT ABOVE CB 0'-4 HALL HALL COOKING COOKING PLATFORM PLATFORM KITCHEN 3'-3" 3'-3" W D1 D1 13'-71/2"X8'8" KITCHEN W 5'-0" 7'2 1/2"X5'0" D1 13'-71/2"X8'8" 7'21/2"X5'0" 0'-9" 47'-6" 47'-6" KITCHEN 9" 6'-6" 9" KITCHEN D1 D1 D1 W 7'2 1/2"X5'0" 7'21/2"X5'0" W COOKING 4 COOKING 5'-0" PLATFORM PLATFORM

" HALL 3 HALL 1 2 CB LOFT ABOVE 13'-71/2"X8'8" UP 13'-71/2"X8'8" LOFT ABOVE

0'-4 CB CB D2 D2 LOFT ABOVE LOFT ABOVE 4'3"

BATH D2 D2

6'-3" 3'3"X6'3"" WC D1 D1 WC BATH W CB CB W 3'7"X3'0" CB CB 3'7"X3'0" 3'3"X6'3" D1 D1 KITCHEN LOFT ABOVE LOFT ABOVE KITCHEN 0'-9" VV 4'4 1/2"X6'3" 4'3"X6'3" V V W W COOKI NG 1 2 COOKING PLATFORM HALL HALL PLATFORM 8'6"X14'3" 8'6"X14'3"

D2 D2 BATH LOFT ABOVE LOFT ABOVE

11'-0" D2 D2 BATH WC WC 3'6"X6'6" 3'0"X3'3"

3'0"X3'3" 3'6"X6'6"

V V V V W W

1 1 1 1 1 10'-0" 3'-42" 2'-72" 0'-9" 8'-52" 5'-8" 8'-6" 2'-102" 3'-42" 10'-0" 1 1 1 0'-9" 0'-42" 0'-9" 0'-9" 0'-42" 0'-42" 0'-9"

59'-10"

GROUND FLOOR PLAN * TYPE DESIGN NO 14/2006 (NO OF FLOORS - G+3 ) * PLINTH AREA / UNIT - 25.6 Sqm

185

* TYPE DESIGN NO 5A/2008 TO 5E/2008 *TOTAL EXTENT - 17.815 HECT (NO OF FLOORS - G+3 ) (TOTAL CRZ-3.97 HECT) * PLINTH AREA / UNIT - 27.3 Sqm RADIAL ROAD TO Govt.H.S.S Panchyat office Primary health centre * TOTAL NO.OF TENEMENTS -6000 *DENSITY - 482 UNITS/HECT

RAJIV G ANDHI NAGAR SECRETARIAT GOKILAMBAL NAGAR COLONY 11 2m

110m *FSI - 1.28 CONGNIZANT TECHNOLOGY PTC QTRS OKKIUM SCHEME 10 0m * TYPE DESIGN NO 14/2006 SOLUTIONS (CTS) AKSHRA SCH OOL 115m *PLOTCOVERAGE - 32% TNSCB KANNAGI (NO OF FLOORS - G+3 ) NAGAR

* PLINTH AREA / UNIT - 25.6 Sqm RAIN WATER PERCOLATION TRENCH OF SIZE1m x1.5m ALL ALONG 257.6m THE BOUNDARY LINE * TOTAL NO.OF TENEMENTS -2048 D A R O M 12 EXG 131.8

1215.7 Sqm " 8.6 10.0 2 129.5 1 100m

L 77'-11 N 4 .5 M 9.2m A

O Hindustan College 3m I

OLD MAHABALIPURAM ROAD Of Arts &Science 1.5m T 4.5m 3m ST 3m

RAIN WATER PERCOLATION TRENCH m A A 6 3.0m 3m OF SIZE1m x1.5m ALL ALONG L (810.7 Sqm) (810.7 E 9 4.5m THE BOUNDARY LINE m 13.72m O KEYPLAN 6 4.5m . U N 3 128 U 6.0m ROAD (not to scale) 7

69.7m 160 U 5'-0" 159 Sqm C 1.5m 159 Sqm G 210.7m O m 1944.3 Sqm 1024 Sqm E 9 Z . 7 3356 .3 Sqm 120 Sqm 120 Sqm 1.5m 2 R

215.5m 32.5m 5'-0" m 1.5m 936'-0" 3.6m 4.5m 1.5m 6.0m ROAD 7 13 .9 m 5'-0" 3m

7

m m

176 U 9 5 112 U .

. 1 176 U 10'-0" 3m 1

7

4.9m . 10'-0" 5 3

4.5m 4.5m

7.8m 3m 6

7

7 1 4 1 4.5m 4'-6 " 4.5m 1 2 3m 500 Sqm 120'-0 " m 128 U 176 U 176 U 1.5m 6 20 .6 m 10'-0" 10'-0" . 14.4m 7.2m ROAD 5'-0" 1.5m 1 5.2m 948'-0" ROAD 12.0m 2 6.0 m ROAD

1 3m

m 96 U 96 U 5'-0" 96 U 4.5m 3m 7 15'-0" 5'-0" 3m 1.5m

6 3m PARK 1 4 m .

4.5m 1.5m 1

1 4.5m . 7 176 U 6 1.5m 6.0m ROAD m 99.4 1754 Sqm 1754 Sqm 1727.9 Sqm 120 Sqm 120 Sqm 1.67 HECT 4.5m 4 5'-0" 4.5m 5'-0" 5'-0" . 96 U 52.2 1024 Sqm 52.2 96 U 1 96 U 306'-0" 120 Sqm 52.2 176 U 120 Sqm 2 4.5m 4.5m 176 U 4.5m " 1 2 2 7.2m 176 U 1.5m 4.8m ROAD 4.8m ROAD 4.8m ROAD 4.8m 176 U 4.8m ROAD 4.5m 48 .5 4.5m

33.6 33.6 33.1 1270'-1 3m 4 2760 Sqm . 6 3m 3 4.5m 3m

25.4 96 U 96 U 4.5m 96 U 3m 1.5m 1.5m 1.5m 56.9m 5'-0" 1.5m 5. 1 0m 5'-0" 1138'-9 " 9.0 m ROAD 100m 2 20'- 41" 7.2m ROAD 2

m 5'-0" L 96 U 96 U5'-0" 96 U E 9.0m ROAD 3m 2

5'-0" 5'-0" A N 7 4.5m 3m 4.5m RAIN WATER PERCOLATION TRENCH m 3m 1 O 5

OF SIZE1m x1.5m ALL ALONG 4.5m 3m 5 ST 176 U 4.5m Z T THE BOUNDARY LINE 1 4.5m 26'-3"

4.5m A " 1992.5 Sqm 5'-0" 5'-0" 5'-0" 6'-3" 6.0m ROAD C 1 112 U 2 112 U 1 12 U 1.5m 4.5m 4.5m 4.5m 1903.5 Sqm 120 Sqm 120 Sqm N 9 1903.5 Sqm O 25'- 4" . 176 U 176 U 3 176 U 4.5m 4.5m 4.5m 1024 Sqm 9 329'-3 95.3 D O

59.3 C 4.8m ROAD 4.8m 4.8m ROAD 4.8m ROAD 4.8m HE 59.3 59.3 120 Sqm A 176 U I 5'-0" 4.8m ROAD 4.8m 176 U ROAD 4.8m

O 176 U 176 U m

q T 9.0m ROAD 9.0m

R 5'-0" 1.5m S

4.5m 7 4.5m 4.5m 2

M 33.6 32.1 32.1 3m 8 A 2 12.0m ROAD 12.0m

0 1 4.5m 9 1 1155 Sqm 5'-0" . 1 . 4.5m 3m 2M R 1.5m 96 U 1.5m O A 96 U 96 U UL D 4.5m G 24 X .6 3m 3m 3 5'-0" 5'-0"

E 5'-0" G 5'-0" 1140'0" EXG.9M ROAD 6.0m ROAD590.2m 6.0m ROAD 9.5m E m 6.0m ROAD 0 . 100m 176 U 10'-0" R 4.5m

0 5'-0" 176 U 4.5m 213.7 Sqm 2 1.5m 1.5m 3m 18.8m D HIGH SCHOOL 4.5m 37.2 122'-0" A 3m RAIN WATER PERCOLATION TRENCH

0.52 H 176 U P.H.C 6 . 176 U OF SIZE1m x1.5m ALL ALONG 8 427.5 Sqm 3m 3m

5'-0" 5'-0" 44.3m O 2 1220 Sqm 139.2

THE BOUNDARY LINE 1139'-61" 5'-0"

R 2

10.0m ROAD 10.0m ROAD 6.0m ROAD 25'-6"

RAIN WATER PERCOLATION TRENCH 619m M

RAIN WATER PERCOLATION TRENCH m OF SIZE1m x1.5m ALL ALONG

8 THE BOUND ARY LINE OF SIZE1m x1.5m ALL ALONG 0 . THE BOUN DARY LIN E

9 16.0m ROAD 2 4 TNSCB. CONSTN. OF 3618 TENEMENTS. TNSCB - CONSTN. OF APPROVED BY CMDA VIDE PPA NO. 55.6m 2322 TENEMENTS APPROVED 3 B/SPL BUILDG.122 A & B/ 2006 DT.23.3.06 1 .6 BY CMDA VIDE PPA NO. B1/SPL m BUILDG./32352 /2002 /4.12.03 TNSCB. CONSTN. OF 3618 TENEMENTS.

4.12 0.23 2.33 0.11 1.22 0.23 W V V W 0.23

BEDROOM TOILET TOILET BEDROOM 2.33X2.72 1.22X2.13 1.22X2.13 2.33X2.72 2.95

D2 D2

5.72 D1 D1 0.11

HALL 2.75X2.43 HALL 2.75X2.43 2.43 2.43x0.80 2.43x0.80 COOKING ALCOVE COOKING ALCOVE D1 D1 0.23 W1 W2 W2 W1

SINGLE UNIT PLINTH AREA /UNIT(INCLUDG. COMM. AREA)=294 Sft (27.3 Sqm)

186

TO MANALIE N N O R E E X P R E S S W A Y TO THIRUVOTTIYUR

100.0m 147.6m m

5 4 . m 6 PROPOSED 7.2m SERVICE ROAD

m

EXG.BURIAL GROUND 4 . 1.6m

0 3555.5 Sqm 4 7.1m 7.1m 1.5m 89.7m

m

6 . PARK 1

m 794.6 Sqm m

1 m . 9

8 . m 2 5 q

. 9 7 8 .6 K m S 1

. R

7

3 7 A .4 m m . SHOPS P 5 m 219 Sqm 4 1.5 6. 1 M RO 3 7.7 AD

m D

CRZ A

1.5m 7m O

m R

6 .1m . 1.97 HECT 7

9 3m M

8 m

D PARK 1 1 4

A . . D

7 7.3m 1279 Sq.m O A 6 0 R O 2 8 m

R . .

M 3 q

m m

7 P S 1 m

0 . . .

P 7 6 9 11. . 7 9 8m . m G 4 0 7m

5 X m 1 . 7m E 1 7.2m 5.4m 30m 1 m 2.5m 3 m

m

6

9 .

. 9 m 3 3 * TYPE DESIGN NO (NO OF FLOORS - G+7 ) 7 7m 8. 1 9m 1 2008 11.1m

1.5m m * PLINTH AREA / UNIT - 310.40 sq.ft 28.83 sq.m 5

.

1 7m D m (INCLUDING COMMON AREA)

A 6.1 M 2 RO . AD O m

6 .

R

7

q * TOTAL NO.OF TENEMENTS -2034 P S PARK M .

P 2 1 m 1115 Sq.m *TOTAL EXTENT - 5.3 HECT 2 5

. 6.

0

1

1 (EXCLUDING CRZ - 3.33 HECT) 6.1 M m ROA 8 3.7m D . *DENSITY - 611 units/hect 6 1.5m 1 11.5m 0 m 0.0m m 7m *FSI - 1.76 7 5 5 . 0 . 2 m .9m m 7 1 *PLOTCOVERAGE - 22.01% m 8

. 4

7 1 7.5m 2 06.0m

m

2 . 6

13'-6" [4.11] 1 1 9" 7'-72" 42" 4'-0" 9" [0.23] [2.32] [0.11][1.22] [0.23] W V V W 9" [0.23]

TOILET TOILET BEDROM BEDROM 4'0"x7'0" 4'0"x7'0" 1 1 7'72" X 9'0" 9'-0" 7'7 " X 9'0"

[2.74] 2

" D2 D2 1 2 " 1 2 D1 D1 [5.75] 4 [0.11] 18'-10

KITCHEN HALL KITCHEN HALL 1 1 8'-0" [2.44] 9'0"X8'0" 2'102"x8'0" 2'102"x8'0" 9'0"X8'0"

9" D1 D1 [0.23] W1 W2 O.T.S W2 W1 15'9" x 3'0"

SINGLE UNIT PLINTH AREA / UNIT - 310.40 sq.ft 28.83 sq.m (INCLUDING COMMON AREA)

187

PROPOSED LAYOUT FOR -COMMUNITY FACILITIES

Gym/ High School N Youth Health Club

Police station Community Hall Bus Terminus Creche / Anganwadi Post Office Milk Booth

Primary Vocational Health Centre Training Centre

Space reserved Library for Commercial

Nursery School Primary School

188

1 12'-112" [3.94] 1 1 9" 42" 42" [0.23] [0.11] [0.11] 8' 1 FW[2.44] 3'-24" FW 9" [0.23] cb cb

"x6'0" "x6'0" D1 4 4 1 1 3'2 3'2 BALCONY BALCONY BEDROOM BEDROOM 11' 8'0" x 11'0" 8'0" x 11'0" [3.35] BATH BATH 1 1 3'2 4x5'0" 3'2 4x5'0" " 1 2 +0'6" +0'6" 4 [0.11] " 2 1 D D1 D1 D

1 1 +0'7 2" +0'7 2"

[7.73] cb cb 25'-4 +0'0" lvl D1 D1 +0'0" lvl +1'3" +1'3"

LIVING W.C W.C LIVING 1 1 8'0" x 12'6" 3'2 4"x4'0" 3'2 4"x4'0" 8'0" x 12'6" [3.81] 12'-6" cooking alcove VV 3' W W 3' 1'-9" DUCT 1'-9" 6'0"x5'3" cb cb 2' RV RV 2' 9" [0.23] D D

PLAN OF SINGLE UNIT PLINTH AREA DETAILS

AVERAGE PLINTH AREA / UNIT:

1). 289.5 Sft (26.9 Sq.m) - EXCLUDING COMMON AREA . 2). 357.69 Sft (33.20 Sq.m) - INCLUDING COMMON AREA .

189

A COMPREHENSIVE REHABILITATION SCHEME AT

SEMMANCHERI

190

SEMMANCHERI – REHABILITATION SCHEME SEMMANCHERI – INFRASTRUCTURE FACILITIES

WATER TENEMENTS SUPPLY WITH THROUGH GROUND + PF AND ONE STOREY SINTEX TANKS

AN INTERIOR VIEW WITH KITCHEN ALCOVE AND LANDSCAPING SEWAGE COLLECTION CUPBOARD AMIDST THE WELL WATER SUUPLY SCHEME THROUGH LORRIES

AN EXQUISITE PARK SEWAGE PUMPING STATION

SEMMANCHERI – INFRASTRUCTURE FACILITIES SEMMANCHERI – COMMUNITY FACILITIES

STREET LIGHTS AND INDIVIDUAL CONVIENENCE ELECTRICITY SHOPS CONNECTION

AVENUE TREES & INTERNAL ROAD STORM WATER COLLECTION DRAIN CENTRE- RATION SHOP EXTERIOR VIEW

APPROACH ROAD FOR THE COLLECTION SCHEME CENTRE- INTERIOR VIEW

Issues for discussion ƒ Identification of land for EWS housing ƒ Mechanics of operating TDRs and higher FSI in the context of EWS/Slum housing ƒ PPP regulatory framework: Need for statute change (like in Mumbai) ƒ Co-opting slum-dwellers and sharing of roles and responsibilities: institutional arrangements ƒ Need for greater planning, regulation ƒ Huge gap between theory (statute) and practice (on ground implementation) ƒ Institutional framework for maintenance and take-over by the local bodies

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191 mk®Î - 4 ViH k¡fS¡F Å£Ltr njit – xU f©nzh£l«

ÂUk ». uhij, mid¤ÂªÂa #dehaf khj® r§f«, jäœehL . . . .

jäHf¤Âš Ål‰w k¡fS¡F Å£Ltr brŒJ¡ bfhL¡f nt©Lbk‹gJ jäHf murhš vL¡f¥g£l bfhŸif KothF«. Ϫj¥ Ëdâænyna br‹id bgUefu ts®¢Á¡ FGk¤Â‹ kh°l® Ãsh‹-2 (Master Plan II)é‹ mo¥gilæyhd ÅL f£L« £l¤ij T®ªJ gçÓè¤Âl nt©L«. F¿¥ghf 1901š 70 r.».Û. gu¥gsit¡ bfh©oUªj br‹id efu« j‰nghJ 1189 r.».Û. mséš bgUefukhf éçtilªJŸsJ. Rkh® 80 y£r¤Â‰F« nk‰g£l k¡fŸ bjhifæid bfh©ljhfΫ cŸsJ. ϪÂahé‹ Kjyhë¤Jt ts®¢Á¥ ngh¡»‹ x›bthU¡ f£l.¤ÂY« br‹id mj‹ bgU« g§if bg‰W ts®ªJ tU»wJ. beLŠrhiyfŸ, JiwKf«, uæš, th‹tê vd mid¤J¥ ngh¡Ftu¤J trÂfis¡ bfh©LŸsJ. nk«g£l fšé, nj®¢Á bg‰w kåjts« bg‰¿U¥gJ«, g‹dh£L ãWtd§fS¡F«, bgU KjyhëfS¡F«, Ïju KjyhëfS¡F« jhuhskhf rYiffis tH§» C¡f¥gL¤J« muÁ‹ elto¡iffS« bgUefu ts®¢Á¡F K¡»a¡ fhuzkhf mikªJŸsJ. efiu ikakhf¡ bfh©L Áåkh cŸë£l Clf§fS«, F¿¥Ãl¤j¡f ts®¢Áia¥ bg‰WŸsd. Mdhš, bgU«gFÂahd ViH, k‰W« eL¤ju k¡fë‹ thœ¡ifæš K‹nd‰w« cŸsjh? v‹W gh®¤njhnkahdhš ÏU¥Ãl¤Â‰fhf k¡fŸ gL« mtÂia gh®¡F«nghJ Ïšiy v‹nw brhšy nt©oÍŸsJ. xU ü‰wh©L¡ fhy¤Âš br‹id bgUefç‹ mgçjkhd ts®¢Á¡F jdJ ciH¥Ã‹ _y« cça g§fë¥ig brY¤Âa ViH ciH¥ghë k¡fS¡F FoæU¡F« ÅL brhªjäšiy, FoæU¡f Åošiy v‹whš muR FoæU¥ò¥ Ãu¢ridfis rçahd Kiwæš mQféšiy v‹nw brhšy nt©L«. muÁ‹ £l§fshš br‹id bgUUfu FoæU¥ò¥ Ãu¢ridfS¡F ÏJehŸ tiuæš äf¢ Á¿jsnt ԮΠfhz KoªJŸsJ. äf¥bgU« gFÂahd k¡fŸ f©LbfhŸshkš él¥g£lj‹ éisnt vªj mo¥gil trÂfSk‰W Mæu¡fz¡fhd

192 Foir¥ gFÂfŸ cUth»l fhuzkhf mikªjJ. k¡fë‹ thœthjhu Ãu¢ridia nrit kd¥gh‹ikÍl‹ mQ»dhš k£Lnk cça Ô®it fhz KoÍ«. j‰nghJ »uhk¥ òw§fëš étrha« eètilªj ãiyæš ÃiH¥ig¤ njo, ef®¥òw¤ij eho Ïl« bga®ªJ tU« k¡fë‹ v©â¡if ehŸnjhW« mÂfç¤J tU»wJ. Ït®fS¡F FoæU¡f ÅL »il¥gšiy. ÅL »il¤jhš thlif ju Koaéšiy. ãid¤J¥ gh®¡f Koahj msé‰F thlif gy kl§F ca®ªJ é£lJ. Ïjdhš Ú®tê¥ghijah, fhšthah, fhè kidah, FoÚ® éãnahf¤Â‰fhd bgça FHhŒfsh, eilnkilah v‹gij¡ Tl gh®¡fhkš k¡fŸ »il¤j Ïl¤Âš j§Ftj‰fhd V‰ghLfis brŒJ bfhŸ»‹wd®. Ϫj Ïayhikia M¡»uä¥ò v‹w mo¥gilæš gh®¥gJ rçah? Kiwjhdh? gy M©Lfshf muR òw«ngh¡F ãy§fëš ö®ªJ¥ nghd ga‹ghl‰w Ú®ãiyfëš khefuh£Á¡F, efuh£Á¡F brhªjkhd Ïl§fëš, cçik bfh©lhlhj jåah® ãy§fëš kj ãWtd ãy§fëš, nfhéš ãy§fëš vd y£r¡fz¡fhd k¡fŸ j§fsJ brhªj ciH¥Ã‹ tUthæèUªJ Á¿a ÅLfis f£o FoæUªJ tU»wh®fŸ. jäœehL Foir kh‰W thça¤jhš gy M©LfS¡F K‹djhf f£o¡ bfhL¡f¥g£l, vªj neu¤ÂY« ÏoªJ éH¡Toa ãiyæYŸs FoæU¥òfëY« k¡fŸ thœ»wh®fŸ. MdhY«, Ϫj Ïl¤ij Ït®fŸ j§fsJ brhªj Ïlkhf fUjKoahj ãiyænyna cŸsd®. Ϫãiyæid kh‰¿l jäHf muR muÁ‹ òw«ngh¡F ãy§fëš Ú©lfhykhf thœªJ tU« FL«g§fS¡F g£lh tH§f K‹ tªJŸsij tunt‰»nwh«. mnjngh‹W k‰w Ïl§fëš FoæU¡F« k¡fë‹ Ãu¢ridfS¡F« Ïnj têæš Ô®Î fhz nt©oaJ mtÁakhF«. khwhf, ga‹ghl‰w Ú®ãiy¥ gFÂfëY«, Ï‹d¥Ãwtif ãy§fëY« tÁ¡F« k¡fis M¡»uä¥ghs®fŸ vd TWtJ ãahak‰wJ. F¿¥ghf, 1976«M©L k¤Âa muR ãy c¢rtu«ò r£l¤ij bfh©L tªjJ. 1978š jäHf muR« ãy c¢rtu«ò¢ r£l¤ij mKšgL¤j K‹tªjJ. Mdhš, 1996š ef®¥òw ãy c¢rtu«ò¢ r£l« u¤J brŒa¥g£lJ«, trÂgil¤j KjyhëfS«, jåah®fS« Vuhskhd ãy§fis R‰¿ tis¤J M¡»uä¤J it¤JŸsij br‹id bgUefç‹ gy gFÂfëY« fhz K oÍ«.

193 cjhuzkhf, ϧnf R£o¡fh£l éU«òtJ br‹id efç‹ ika¥ gFÂahd bgu«ó® bjhFÂæš g¡»§Ah« f®eh£o¡ äš (B&C Mill) ãWtd¤Â‰F bjhê‰rhiyia mik¥gj‰fhf m‹iwa Ãç£oZ muR 150 V¡f® ãy¤ij m§F FoæUªj k¡fis mUfhikæš ntW Ïl¤Â‰F kh‰¿ bjhê‰rhiy mik¡f ãy« tH§»aJ. m‹iwa Ãç£oZ ft®d® Ãç°èæ‹ bgauhš miH¡f¥gL« Ãç°è efçš Foak®¤j¥g£l k¡fS¡F Ï‹W tiuæš mªj Ïl« brhªjkh¡f¥gléšiy. F¿¥ghf, Ã&Á äš ãWtd« _l¥g£L gy M©Lfsh»é£lJ. bjhê‰rhiy brašglhj ãiyæš mªj ãy§fis muR Û©L« V‹ ifaf¥gL¤Â ÅLfis f£Ltj‰F ga‹gL¤j¡ TlhJ? »©o nu° nfh®° j‰nghJ ga‹gh£oš Ïšiy. ÂUbth‰¿ôçš é«nfh f«bgå¡F bjhê‰rhiy eèΉw ãiyæš brhªjkhd ãy§fŸ Ãsh£Lfshf kh‰¿, çaš v°nl£ _y« é‰gid brŒa Ka‰Á¡f¥gL»wJ. ÏJngh‹w Vuhskhd cjhuz§fis¢ brhšy KoÍ«. ãy¤Â‹ éiy fLikahf ca®¤j¥g£L, f£L¥ghl‰W V¿¡ bfh©oU¡»wJ. br‹id efiu¢ R‰¿Y« gy gFÂfëš Vuhskhd Ïl§fëš brštªj®fŸ M¡»uä¤J it¤JŸsd®. Mt‰iw f©l¿ªJ muR ifafy¥gL¤Â, mt‰¿š ViH eL¤ju k¡fS¡F FoæU¥ò trÂfis brŒJ¡ bfhL¡f K‹Dçik më¡f¥gl nt©L«. bk£nuh uæš Â£l« ngh‹w br‹id bghUefu¤Â‹ mo¥gil ts®¢Á £l§fS¡F Ïl« njit¥g£lhš, mUfhikæš bghU¤jkhd kh‰W Ïl§fis cWÂ¥gL¤Âa ÃwF, FoæU¥òfis m¥òw¥gL¤Jtnj bghU¤jkhf ÏU¡F«. br‹id bgUefçš bgU«gFÂahd k¡fŸ m‹whl Tè ntiy¡F¢ bršgt®fŸ m¤J¡ TèfŸ. 40 rj¤J¡F« nk‰g£nlh® äf¡ Fiwªj tUthia <£l¡ Toat®fŸ. gâæl¤Â‰F elªnj bršgt®fŸ, Ϥjifa k¡fS¡F ÅLfŸ gâ Ïl¤Â‰F mUfhikæš xJ¡Ftnj rhy¢ ÁwªjjhF«. Ïij éL¤J bjhiyöu« mD¥g Ka‰Á¥gJ bgU« gF k¡fS¡F bjçªnj ÏiH¡f¡ Toa J‹gkhF«. t®¤jf f©nzh£lä‹¿ nrit mo¥gilænyna Ϥjifa k¡fS¡F ÅLfŸ tH§f¥gl nt©L«. Ïj‰F V‰w tifænyna jåah® ãWtd§fŸ _y« f£l¥gl¡Toa ÅLfS¡F« éiy f£L¥ghL éÂ¥gJ mtÁakhF«.

194 v§fë‹ Mnyhridfshf K‹ it¡f éU«òtJ o muÁ‹ tiuaiw¡F£g£l ãy§fëš Ú©l fhykhf FoæU¡F« k¡fS¡F mt®fë‹ tÁ¥Ãl¤ij brhªjkh¡»L« tifæš g£lh tH§f¥gl nt©L«. o »uhke¤j«, nkŒ¡fhš, kªijbtë, t©o¥gh£il, fs¤JnkL, fs¡F¤J, Xil, thŒ¡fhš, Vç, Ú®ãiy, kiy¥òw«ngh¡F, é£nlhofŸ ãy« vd mid¤J tif muR òw«ngh¡F ãy§fëš tÁ¥nghU¡F« g£lh tH§f¥gl nt©L«. o eèªj k‰W« Fiwªj tUthŒ Ãçéd® FoæU¡F« nfhéš, njthya«, t~ngh®L, ou°£ ãy§fŸ k‰W« jåah® ãy§fis muR ifaf¥gL¤Â gadhëfS¡F F¿¥ghf, Fiwªj tUthŒ ÃçédU¡F Ïytrkhf g£lhΫ, VidnahU¡F f£L¥goahd Fiwªj éiyæš »uaK« brŒJ¤ ju nt©L«. o bgUefçš ga‹ghl‰w ö®ªJ nghd Vç, Ú®ãiy gFÂfëš FoæU¡F« k¡fS¡F M¡»uä¥ghs®fshf fUjhkš, F¿¥Ã£l ãy§fis tifkh‰w« brŒJ kid¥g£lh tH§fl¥gl nt©L«, o nk«gL¤j¥g£l Foir¥ gFÂfëš mikªJŸs FoæU¥òfS¡F Ïytr¥g£lh k‰W« »ua¥ g¤Âu« tH§f nt©L«, o br‹id bgUefç‹ bghJthd ts®¢Á¡F mtÁa« njit¥gl¡ Toa Ïl§fëš, mikªJŸs FoæU¥òfS¡F mUfhikænyna mL¡Fkho FoæU¥òfis f£o Foak®¤j nt©L«. o Foir kh‰W thça« mokid jtiz Kiwæš xJ¡f¥g£l gFÂfS¡F »ua¥ g¤Âu« tH§f nt©L«. o Foir kh‰W thça« f£o tH§»a mL¡Fkho FoæU¥òfis g£b#£oš Áw¥ò ã xJ¡» guhkç¡f nt©L«. jh§F« r¡Âia ÏHªj FoæU¥òfis Ïo¤J, mnjÏl¤Âš òÂa FoæU¥òfis¡ f£o cçat®fS¡F tH§f nt©L«. »ua¥ g¤Âu§fis jhkjä‹¿ tH§f nt©L«. t®¤jf f©nzh£l« j鮡f¥gl nt©L«. o Û‹Ão k‰W« rh®ò bjhêšfSl‹ r«kªj¥g£LŸs fl‰fiunahu Foir¥ gF k¡fS¡F tÁ¥Ãl§fS¡F mUfhikænyna FoæU¥òfis f£o Foak®¤j nt©L«,

195 o Foir gF k¡fë‹ nk«gh£o‰fhd Áw¥ò £l§fŸ V£lséš Ïšyhkš Áw¥ghf mKyhtij c¤Âuthj¥gL¤j bghU¤jkhd V‰ghL nt©L«. o jåah® ãWtd§fŸ _y« f£l¥gL« FoæU¥òfëš 20 rjkhd« bghUshjhu¤Âš äfΫ Ëj§»a k‰W« Fiwªj tUthŒ ÃçédU¡F f£lhakhf xJ¡ÑL brŒa nt©L« o éiy¡ f£L¥ghL c¤juthj¥gL¤j nt©L«. o Ú®têfis ö®thç R¤j¥gL¤j jilahf cŸs Foirfis mf‰¿dhš mt®fis ÏU¥Ãl¤Â‰F mUfhikænyna mL¡FkhofŸ f£o Foak®¤j nt©L«. bjhiyöu òwef®fS¡F m¥òw¥gL¤J« £l§fis ifél nt©L« o milahW, Tt« MW, g¡»§fh« fhšthŒ M»a bgça Ú®têfë‹ fiufëš bghJ¥gâ¤Jiw Ïl¤Âš ÅLfŸ f£o FoæU¥nghU¡F mUfhikænyna bghU¤jkhd Kiwæš ÅLfŸ f£o¤ ju¥gl nt©L« o kh°l® Ãsh‹ 2‹ Ñœ ÅLfis cUth¡F« £l§fS¡F¤ njitahd ãy§fis brašghl‰w bjhê‰rhiyfë‹ ãy§fŸ, ga‹ghl‰w cgç ãy§fŸ, brštªj®fshš M¡»uä¡f¥g£LŸs ãy§fis f©l¿ªJ muR ifaf¥gL¤Â ga‹gL¤Âl nt©L«.

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196 Session - IV Role of Private Sector in Housing Supply M.K.SUNDARAM Managing Director,M/s. Chozha Foundations (p) Ltd. Chairman –Builders Association of India-Southern Centre,

India has some of the most highly populated urban cities in the world. Chennai is one such city. Continued rapid growth of population and industrialization coupled with improved standard of living pushed the demand for quality in shelter. Infrastructure facilities constitute the real capital of any economy.

India has more than a billion of population and the GDP is at about 8-10%. For the past decade, India has contributed enormously at the global level in knowledge based industries namely IT sector and subsequently in the Hardware sector and currently in the Auto and Auto ancillary sectors. Government is giving enormous push for improving our agricultural sector also. By and large, Indian three decades ago were generally without major credit card exposures and large housing loan.

Typically, Indian households used to save up and take a very minimal loan to make a house. It has been a scenario in 1960s & 1970s, subsequently home loans have been available and people started availing home loans for construction of houses, for the past 20 years or so in a big way. Indian literacy rate has been continuously growing up and migration towards urban centres has been continuously on the rise resulting in lot of demand for accommodation in the urban area. With this background, role of Private sector in housing has started in a big way.

Initially the Private sector comprised of small time builders, who can raise finance of their own for purchasing the land and develop housing, catering to a small group of buyers. This has been a trend at first stage of housing during 1970 & 1980. Subsequently larger plots of lands were available and the size of the projects has also started growing resulting in medium sized projects in the next 20 years.

When the certain tax incentives were available to the buyers and builders large scale housing has been the focus for the past 5 to 10 years. It has been mainly due to large scale buyer demands for good housing. The housing scenario in India is now being classified as tier one, tier two & tier three cities. In the tier one category, all the major metros are clubbed and tier two and three having huge potential is becoming major hubs in the near future.

By geography, the land size vs. population of India reveals that the availability of land is scarce, hence it makes the role of Private sector going for large sector housing difficult. However, in the recent past, the tax incentives scheme for housing encouraged the Private sector to go for large space of land

197 and coming out with huge projects. The contribution for housing from the Public Sector namely the housing boards and other Government agencies has been on the decline. The role of Private sector needs to be addressed at certain issues, which can help us to contribute for providing better housing. Adequate infrastructure facility is a pre requisite for the economic growth of any development more so for housing also.

Infrastructure is the frame works through which essential services like, road, rail, communication, education, health care, drainage, water supply could be provided.

This basic need shall be provided by the Governmental agencies only. Government’s initiative in shaping infrastructure development through various ways, shall ease commutation and emerge as an affordable means of travel mode for end users. This healthy initiative will definitely motivate private sector for focusing on housing projects on a bigger scale.

The Government should come out with specified developed regions, for the housing, along with other amenities such as schools, hospitals, entertainment, shopping etc. in the vicinity, this will certainly help people to avoid unnecessary travel for various needs. The Private sectors also focus on the above aspects namely the schools, hospitals etc and induce people to walk to work culture.

While we address the requisites of Private sector for the residential projects of enormous size, the following requirements shall be catered. One aspect is the energy requirement for the entire project from conventional and renewable energy sources. The solar power generation, wind power generation are also becoming affordable since the cost of conventional power generally is going up year after year.

The individual homes can have solar water heaters and use of CFL bulbs to minimize the energy requirement energy needs by innovative construction methodology and doing green house concept should be encouraged.

We need to address water requirements for construction of the projects dependence of drawing ground water for projects needs to be discouraged and source supply by Government or by Public Private Agency can be encouraged for the water needs. The Private sector also should lay emphasize on recycling of water by segregating sewage water, kitchen water into usable re-cycled water for various needs and should ensure minimization of waste water into underground system. The Private sector also while promoting projects should ensure and advocate solid waste arrangement segregation to enable the public bodies to handle them with better ease.

198 It is always better to go for a vertical construction leaving ample space all round rather than to go for horizontal construction where the open air available get reduced.

The Private sector has to address the major issues in bringing down the cost of construction by way of innovation methods to reduce cost as well as time requirement for completion of project. The standardization of the units will be a good answer in cost cutting and timely completion. Thus the Private sector can participate in end to end land development, housing, energy sector and water supply to make the Private sector in the housing a cost competitive and satisfy the needs of the users.

The Government should process the township or housing development of larger land on a faster track. Certain tax incentive should also be made available to such projects and provision of housing in this project development for economically weaker section from about 10 to 20% with tax incentive will give a head way in subsidizing the sale of such weaker section requirement for housing. The Government should by and large encourage projects which will help to reverse migrate population from urban to non- urban/ rural area by providing better amenities and infrastructure.

The Government should take the initial lead in acquiring land and builder developer can be given the parcels of land at market-determined rates. So that it will lead better transparency in land availability and will enthuse lot of builders to participate in such projects.

Government shall take initiative in redevelopment of dilapidated housing structures both in the Government owned and private housing societies.

The Private Sector shall be allowed to participate independently for such re development scheme. The Government shall draw an agreement, which shall bear certain share in the finalized scheme of housing and commercial development for the Government.

It is needless to state that government shall give infrastructure support in augmentation of electric, water supply and connectivity demands required for successful implementation of such projects.

When we are addressing the issue of affordable housing, we are neglecting totally the additional infrastructure required for social infrastructure namely people with low-income group housing etc.

Whenever large projects in the Private sector area are focused, one should simultaneously develop similar extent of housing to cater for the low-income group, since mankind living in this residential category is required to work in the social infrastructure which contains schools, hospitals, households, offices etc.

199

The Government and the Private Sector should work in close liaison with each other to make housing affordable and eco-friendly to a large extent.

It is true that the private sector has not been involved in the housing of low-income group. But at the same time its also a fact that government also unable to fulfill the demand for such section of the society.

About 50% of the housing demand is for EWS & LIG. While, Survey shows that about 32% of the slums in the city are private land and about 58% is owned either by Government or other Government Organizations.

Slum population has increased from about 6.5 lakhs to 10 lakhs for the past 15 years. The housing for lesser income group can be addressed only by the joint effort of both Government and the Private Sector.

Government can identify the available vacant lands in an around Chennai City, and also the slum areas covered horizontally with a thin population. Such areas can be developed well with all basic amenities for a vertical residential development.

Private developers can be invited for a joint development on the basis of sharing the constructed apartments. All the proposed residential units shall be of basic minimum size. The Government can allot/sale their share of apartments and the developer \can sell his portion to any public.

This system will certainly provide good quality apartments because the developer has to maintain his credibility and sell his share of apartments.

In a recent evacuation of slum from a lake encroachment, we found most of the residents had a two-wheeler and a few four-wheelers also.

This shows our slum dwellers earnings and affordability has gone up, with this indication we can plan to build smaller size apartments with basic amenities and sell it on long-term finance facilities.

We request certain facility from the Government for a better participation in low cost housing. 1. Relaxation in processing fee, development charges, sales tax and other expenses for the construction. 2. Service tax relaxation.

200 3. There can be exemption in income tax on housing development of exclusive smaller residential units as it was done for large extent housing development under section 80-IB. Basic fundamental activity like permission for the plan for land development or Building proposal shall be time bound and quicker to facilitate further process of implementation.

The delay in obtaining such permission has a direct impact on final cost, which depends on: a) The land prices are on increasing mode. Due to unmatched supply demand equation. b) Global economy has eventually resulted in rising bank interest. c) Slow down in various prominent sectors have dampen the job security of Common man and it has resulted in real estate investment also. To avoid increase in cost of projects due to above factors, Government shall implement more simplified systems in processing the property development proposals.

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201 Session - IV INCLUSIVE HOUSING Dr. Niranjan Mardi IAS Commissioner of Municipal Administration, Chennai

Introduction

ƒ Rapid Urbanization has led to increase in the number of slums causing tremendous pressure on basic services and infrastructure

ƒ People belonging to Economically Weaker Sections (EWS) as well as Low Income Group (LIG) are finding it difficult to own house

ƒ Owning a house for an urban poor has a multiplier effect in terms of better access to Municipal services like ƒ Potable Water Supply ƒ Sewerage / Storm water facilities ƒ Solid waste management and other related infrastructure

Housing Shortage…

ƒ Housing shortage in the country at the beginning of 11th five year plan was 24.7 million (67.4 million households)

ƒ 99% of housing shortage pertains to EWS and LIG population

ƒ 27% of the total poor live in urban area: affordability remains a critical factor

ƒ Housing shortage in Tamil Nadu (2001) was 0.83 million ƒ Issues in land title ƒ Cost of land ƒ Cost of construction ƒ Cities are not growing vertical

ƒ For sustainable cities and urbanisation “ Inclusive Housing ” is a pre-requisite

Source: National Urban Housing and Habitat Policy, 2007 http://mhupa.gov.in/policies/duepa/housingpolicy2007.pdf

Tamil Nadu

ƒ Total Population 624 million (2001)

ƒ Urban Population 44%

ƒ Urban House holds 5.9 million (2001)

ƒ Houses o Permanent 74.16% o Semi Permanent 15.31% o Temporary 10.51%

Source:Census, 2001 http://www.census.tn.nic.in

202 Government Initiatives ƒ Tamil Nadu Slum Clearance Board exclusively caters to the housing needs of EWS ƒ Tamil Nadu Housing Board also caters to LIG ƒ As per the Development Control Rules, 10% of Land is to be allotted to EWS/ LIG. ƒ Basic Services to Urban Poor Scheme(BSUP), a sub-mission of JnNURM focuses on Mission cities while Integrated Housing and Slum Development Programme (IHSDP) gives thrust to Non Mission Cities. ƒ All ULBs are directed to Earmark a minimum of 25% of financial resources towards providing basic services to the urban poor.

BSUP/ IHSDP ƒ The Mission period of JnNURM is 7 years from 2005-2012 ƒ 3 Mission cities viz., Chennai, Coimbatore, Madurai and their urban agglomeration ƒ CMA area includes Chennai Corporation, 16 Municipalities and 20 Town Panchayats ƒ Urban areas of non mission cities are addressed through IHSDP

BSUP/ IHSDP

ƒ Objective is “holistic development of slums” (in-situ or relocation) ƒ In addition, o Government of India has a 7 point Charter on Urban Poor ƒ Security of tenure at affordable prices ƒ Improved housing for urban poor and EWS ƒ Water supply and sanitation for urban poor ƒ Earmarking 25%of developed land for EWS/LIG ƒ Convergent delivery of services to achieve universal education ƒ Convergent delivery of services to achieve universal health ƒ Providing social security and fin. assistance to various disadvantaged sections

Total Outlay ƒ The total outlay for the Mission Period for TamilNadu is ƒ BSUP - Rs.2064 Crores and ƒ IHSDP Rs. 363.94 Crores ƒ The funding pattern for BSUP is ƒ 50% Government of India ƒ 40% and ƒ 10% Beneficiary contribution (Not exceeding Rs.30,000/-) ƒ The funding pattern for IHSDP is ƒ 80% Government of India, ƒ 10% Government of Tamil Nadu and ƒ 10% Beneficiary contribution (Not exceeding Rs.30,000/-)

203 Specification ƒ Mandatory provision of a bed room, a kitchen, living room and a toilet ƒ The cost per housing unit various from Rs.80,000 to Rs.1,60,000 ƒ Emphasis on provision of individual water connection and sewerage connection ƒ Upgradation of infrastructure (roads, drains,community hall etc.) for the slum area as a whole

BSUP- Projects Approved No of projects Total Cost Sl.No. Area No. of Units approved (Rs. In Crores) 1. Chennai & UA 15 35205 1247.20 2. Coimbatore & UA 5 26070 539.95 3. Madurai & UA 4 24332 346.95 Total 24 85607 2134.10

IHSDP- Projects Approved

Total Cost Sl.No. No.of ULBs No. of Houses (Rs.in Crores) 1 30 19766 226.00

INTEGRATED HOUSING AND SLUM DEVELOPMENT PROGRAMME

Rs. In lakhs

GOTN Beneficiary Total Amount of GOI S.No Name of the ULB Total Project Cost GOI Share Share Contribution and GOTN released

12 34567 Commissionerate of Municipal Administration

1 266.75 213.40 28.15 25.20 120.77 2 187.00 133.52 46.11 7.37 89.81

3 Manaparai 200.83 156.86 34.37 9.60 95.61

4 Sirgazhi 127.90 102.32 21.42 4.16 61.87

5 77.50 62.00 15.50 38.75

6 Thiruppathur 345.20 273.76 55.84 15.60 164.8

7 Erode 503.45 402.76 64.37 36.32 233.56

8 Kumarapalayam 76.30 61.04 8.86 6.40 34.97

9 Pudukottai 2452.13 1960.58 329.15 162.40 1144.86

10 1314.37 671.90 546.58 95.89 609.24

11 1723.30 1377.24 205.26 140.80 791.25

12 Pattukottai 2197.14 1733.91 291.67 171.56 1012.8

13 Udagamandalam 1267.75 1014.20 168.99 84.56 591.6

14 Mannarkudi 148.80 118.72 24.56 5.52 71.67

15 1256.60 1005.28 153.24 98.08 579.26

204 Rs. In lakhs

Total Amount Total GOTN Beneficiary of GOI and S.No Name of the ULB Project GOI Share Share Contribution GOTN Cost released 12 34567 Commissionerate of Municipal Administration 16 417.40 333.92 52.12 31.36 193.02

17 626.35 498.28 81.67 46.40 289.98

18 2067.54 1582.99 378.25 106.30 980.62

19 798.77 639.02 119.59 40.16 379.31

20 1293.10 1034.48 137.74 120.88 586.11

21 Trichy Corporation 1996.00 1093.86 750.59 151.55 642.08

22 592.92 345.50 200.67 46.75 201.79

Sub Total 19937.10 14815.54 3714.70 1406.86 8913.73

Directorate of Town Panchayat

23 256 204.8 25.6 25.6 115.2

24 Sriperumputhur 428.04 342.43 56.01 29.6 199.2

25 Na. 368.68 294.94 47.66 26.08 171.3

26 Walajabad 480.37 384.3 55.59 40.48 219.94

27 Thirukalukundram 288.5 230.8 35.62 22.08 133.21

28 Achirapakkam 224.67 179.74 30.05 14.88 104.89

29 Karunkuzhi 413.91 331.13 55.42 27.36 193.27

30 Arani 169.4 135.52 25.92 7.96 80.72

Sub Total 2629.57 2103.66 331.87 194.04 1217.73 Grand Total 22566.67 16919.20 4046.57 1600.90 10131.46

PLAN SHOWING PROPOSED CONSTRUCTION OF HOUSING UNDER BSUP

205 BIOMETRIC IDENTIFICATION

Constraints • Security of Land tenure is a pre-requisite for starting the house construction – Government has a number of schemes to provide land titles to the poor – Land at cheaper rates for LIG and EWS needs serious thinking • People from EWS lack financial capacity to start house construction – Start up finance is arranged through Nationalized Banks • Cultural resistance to live in apartments – People rear animals and feel comfortable in “their own land”

Some Success Stories… BSUP Madurai Corporation, S.Saratha, Meenambigai Nagar Ward -64

Before Completion After Completion

206

Madurai Corporation, S.Balachamy, Meenambigai Nagar, Ward-64, Madurai-11

Coimbatore Corporation

Before Construction After Construction

207

Ambattur Municipality, Ward No. 27 Beneficiary Address : P.Annammal, 13/55,Gangaiamman koil Street, , Chennai-80

Before Construction After Construction

Ambattur Municipality Ward No. 27 Beneficiary Address : P.Vijaya, 59,Gangaiamman koil Street,Korattur,Chennai-80

Before Construction After Construction

Ambattur Municipality Ward No. 27 Beneficiary Address : K.Umapathy, 27/36, Gangaiamman koil Street,Korattur, Chennai-80

Before Construction After Construction

208

Alandur Municipality, Beneficiary Address : T.Logamani, 33, 3rd Street K.K. Nagar, Chennai-114

Before Construction After Construction

Alandur Municipality, Beneficiary Address: Murugesan, 5/3, 5th Street Nehru Colony, Chennai-114

Before Construction After Construction

Alandur Municipality, Beneficiary Address : S.Raji,4/10, 11th Street Nehru Colony, Chennai-114

Before Construction After Construction

209

Alandur Municipality, Beneficiary Address : Abishek Pandian, 47, 3rd Street P.V.Nagar, Chennai-114

Before Construction After Construction

Some Success Stories…

IHSDP

210

211

PERAMBALUR

Before Commencement After Completion

DHARMAPURI

Before Commencement After Completion

212

ERODE CORPORATION

Before Commencement After Completion

UDHAGAMANDALAM MUNICIPALITY KURUSADI COLONY BENEFICIARY NAME: Mrs.SAVITHRI

Before Commencement After Completion

UDHAGAMANDALAM MUNICIPALITY KURUSADI COLONY BENEFICIARY NAME: Mrs. VELLAIMMAL

Before Commencement After Completion

213

Before commencement

IHSDP

After Completion

214

215

B.T Surface and construction of Drain at Vandepettai Street

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216 Session - IV Housing Finance Mathew Joseph Regional Manager, Housing Development Finance Corporation, Chennai.

HOUSING – THE PULSE OF OUR ECONOMY

2nd Largest Backward/Forward Linkages Employment Generator – over 269 industries in our Country

Sector has been growing at over 30% p.a. in the recent past

HOUSING FINANCE - Timeline

Trans-National Banks also enter Housing Finance 2000’s Retail Boom spearheaded by Housing Finance

Late Schedule commercial banks get into direct lending for 1990’s housing finance – changing the market scenario

Late Public sector banks/insurance companies promote 1980’s housing finance companies, also private sector enters

National Housing Bank- regulatory & supervisory 1988 body/ refinancing agency

1977 HDFC: 1st private sector retail housing finance institution

1971 HUDCO: public sector, wholesale lending

Pre 1970 Centralised directed credit

217

Housing Finance Market

Up to late 1990’s 1998 - 2003 2003 onwards

PHASE I PHASE II PHASE III

Specialised Aggressive Oligopolistic Lenders entry of Banks Market Structure

Housing Finance HFCs lose Top 3 key players Companies(HFCs) market share have over 80% of Bank/insurance incremental market Irrational share co. sponsored competition HFCs More rational Rapid Developer market disbursements promoted HFCs Sustained Company Credit quality mortgage growth promoted HFCs issues at +25%

Low Penetration: Mortgages as a % of GDP

90% 83% 80% 80%

70%

60% 53%

50% 39% 41% 40% 32% 29% 30% 26%

17% 20% 12%

10% 6%

0% UK India USA China Korea Taiwan Thailand Malaysia Germany Hongkong Singapore

Source: European Mortgage Federation, 2006 & Asian Development Bank, 2007

218 Improved Affordability

35 7.00

30 6.00

25 22.0 5.00

20 4.00 15.6

15 11.1 3.00

8.3 Annual Income Lac) (Rs 10 2.00 6.6 5.0 5.1 5.9 5.0

Property Value (Rs Lac) & Affordability & Lac) (Rs Value Property 5.3 5.1 4.9 4.7 4.3 4.6 5 1.00

0 0.00 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Sep-08

Property Cost (Lac) Affordability Annual Income (Rs) 1 Lac = 1,00,000 Property price estimates in suburban Mumbai Affordability equals property prices by annual income

Subprime Crisis: It’s Effects ƒ Global slowdown ƒ Credit crunch ƒ Negative sentiments ƒ Falling real estate markets, stock markets abroad. ƒ Collapse of major financial institutions

Subprime Crisis: Impact on India ƒ Most mortgage lenders in India offer plain vanilla, amortising home loans o No interest only, 2/28 ARMs, piggy-back loans o No subprime or Alt A categories ƒ Indian borrowers are cautious and averse to high leverage o Typical borrower is a first time home buyer… buying a house for self occupation o Low loan to value ratio o Prepayments are common… even for fixed interest loans at rates higher than current market ƒ Securitisation market at a nascent stage o No up-fronting of profits ƒ Very limited exposure to structured products ƒ Pre-emptive measures by the o Early caution on rising asset prices

219 o Increase in provisioning requirements o Increase in risk weights & other liquidity tightening measures

Who We Are... ƒ Incorporated in 1977 as the first specialised mortgage company in India ƒ Now a Financial Conglomerate with interests beyond mortgages:

72.26% 60% 23.26% 74% 100% 80.50% HDFC HDFC HDFC HDFC HDFC Bank HDFC Property Venture Standard AMC (inclusive of ERGO Ventures Capital warrants) Life General

Mortgage Business Summary ƒ Mortgage Loan Assets : Rs. 81,192 Cr. (As of Sept 2008) ƒ Cumulative Loan Disbursements : Rs. 1,69,944 Cr. (Inception to Sept 2008) ƒ Cumulative Housing Units Financed : 3.2 million ƒ Mortgage Loans CAGR (5 years) : 27% ƒ NPA (As of Mar 2008) : 0.84%

Transformation of Chennai Housing Market ƒ Expansion of the City - Prolific growth of the suburban areas. ƒ Transformation of OMR into a Self-sustained Modern City in itself. (IT Corridor,Residential Townships) ƒ becoming a hot real estate investment destination with large Developers executing Housing Projects.

Housing Market Scenario ƒ High demand growth driven by: • Improved Affordability ª Rising disposable income ª Tax incentives (interest and principal repayments deductible) ª Moderate interest rates • Increasing Urbanisation ª Currently 28% of Indian population is urban • Favorable Demographics ª 60% of India’s population is below 30 years of age ª Rapid rise in new households

220

2nd Master Plan: a Step towards Reform ƒ Path Breaking Initiative by CMDA. ƒ Second Master Plan drafted with a futuristic Outlook. ƒ Automatic Rezoning of Land Banks in certain areas is a Welcome Change. ƒ Providing 10% of BuA for EWS is a step towards Balanced & Inclusive Growth. ƒ Going vertical would result in providing more open space. ƒ More number of dwelling units can be constructed thereby reducing the selling prices. ƒ TDR concept would help in reducing the Urban Traffic Flow. ƒ Growing need for infrastructure in the city has been addressed.

Concerns ƒ Overall Market sentiment turning cautious which is impacting off take of units. ƒ Over supply in certain locations like OMR (estimated units under construction being 23000) & GST Road (estimated units under construction being 10000). ƒ Increasing construction costs, increased cost of borrowing & pressure on selling price. ƒ High land prices in city locations making Housing unaffordable to common man

Way Forward ƒ Provision of quality Housing at affordable cost. ƒ Planned development for inclusive and balanced growth. ƒ Working out ‘PPP’ models to optimize skills of both sectors. ƒ Rationalisation of Selling Prices. ƒ Easing of Interest Rates.

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221