Housing is one of the basic needs of man and is also considered a fundamental human right. It is
used as a key indicator in defining the living quality among the poorer sections of the society.
Hygienic and dignified living is a challenge for poor across the world and is further aggravated
in case the housing is not appropriate. Not just from the fundamental rights point of view but also
from the point of view of hygienic and dignified living condition it is important to improve
housing conditions for the poor. Kutcha and semi-pucca houses often lack the ability to provide
clean running water, sanitation, sewage removal and other amenities that are closely associated
with elementary health. The study does an empirical study in the Backward districts of
Maharashtra to vindicate the need for new initiatives and to provide housing to rural poor
through Housing Microfinance. Though the study is regarding the HMF initiatives all over India,
the scope of the empirical investigation (field study) is limited to two districts each of the
backward regions of Maharashtra viz. 'Marathwada' and Vidarbha.