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Title: THE EVOLUTION OF HOUSING POLICY AND HOUSING FINANCE IN INDIA THROUGH THE FIVE-YEAR PLANS
Authors: Dr. Sanhita Athavale , Arnab Kumar Chowdhury
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1. Dr. Sanhita Athavale , 2. Arnab Kumar Chowdhury 1. Head of Dept., Dept of Banking & Asso. Prof , TJ College, SPPU, Pune 2. Staff of Reserve Bank of India and PhD research scholar with Dept. of Economics, SPPU, Pune.
MLA 8 Sanhita, Dr. Athavale, and Chowdhury Arnab Kumar. "THE EVOLUTION OF HOUSING POLICY AND HOUSING FINANCE IN INDIA THROUGH THE FIVE-YEAR PLANS." Int. j. of Social Science and Economic Research, vol. 3, no. 5, May 2018, pp. 2028-2039, ijsser.org/more2018.php?id=140. Accessed 2018. APA Sanhita, D., & Kumar, C. (2018, May). THE EVOLUTION OF HOUSING POLICY AND HOUSING FINANCE IN INDIA THROUGH THE FIVE-YEAR PLANS. Int. j. of Social Science and Economic Research, 3(5), 2028-2039. Retrieved from ijsser.org/more2018.php?id=140 Chicago Sanhita, Dr. Athavale, and Chowdhury Arnab Kumar. "THE EVOLUTION OF HOUSING POLICY AND HOUSING FINANCE IN INDIA THROUGH THE FIVE-YEAR PLANS." Int. j. of Social Science and Economic Research 3, no. 5 (May 2018), 2028-2039. Accessed , 2018. ijsser.org/more2018.php?id=140.
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Abstract: The paper traces the development of housing policy and housing finance in India through the five-year plans. For the study, the paper divides the entire period from the first plan to the twelfth in to three phases. In initial phase housing policy of the government treated housing a as a social good. Over the decades, it was realized that it was beyond the capacity of the State to provide housing for all. The government's role changed from provider of houses to provision of sites and civic infrastructure, while the construction of houses and its financing moved mainly to private sector. The government facilitated the change by creating a number of institutions both in the government and private sectors. Undeniably, India has made rapid progress in building houses, especially since 2001. However, widening the reach of housing finance and making it inclusive in Indian social context is the real challenge before the policy makers of the day.

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