Housing

The housing projects that emerge from demands by federations linked to National Slum Dwellers' Federation (NSDF) and Mahila Milan are of three main types.

A. Market Financed Housing Projects -

that use market subsidy projects that are a part of a subsidy initiative by the Government, or Market financed housing where project costs are recovered through a sale component or Transfer of Development Rights. These are either in-situ or relocation projects.

B. Subsidized Housing projects -

Projects where a government subsidy program seeks to upgrade the housing stock of slum dwellers. 90% subsidy is primary finance provided by the Government (central, state, city) and 10% Community Contribution.

C. Loans provided for individual upgrading of houses -

Collective Loan to MM groups that select households with a history of savings to disburse individual loans. SSNS/SPARC Revolving Funds are given as collective loan. 1% interest is charged per month.

Market Financed Housing

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Kanjurmarg I

In 1998, while negotiating for relocation of households along Railways tracks, a piece of land owned by the state government was converted into a relocation site and permission to other land owners to convert their land holding was also provided. Since this land was right next to the railway track it was an ideal location to relocate households along the central railway line. Various developers were given different projects. Read More


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Kanjurmarg II

Kanjurmarg II was a joint venture with the property owner who gets the land TDR while SPARC Samudaya Nirman Sahayak (NIRMAN) gets the construction TDR. This project borrowed money from CLIFF. Read More


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Kanjurmarg III

Kanjurmarg III was developed on government land with construction as a joint venture with the construction partner of SPARC Samudaya Nirman Sahayak (NIRMAN) paying for construction borrowings with a profit sharing arrangement. Read More


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Milan Nagar Phase 1

Having started working with pavement settlements from Byculla, the first women who formed Mahila Milan formed the Milan Nagar cooperative. In 2000, so as to demonstrate how they could design and build their own homes, they were given land that was part of a larger development plot on which MHADA was to construct housing for the poor using the SRA schemes. A portion was allocated to Milan Nagar, four buildings were designed, and the first one was built in 2005 and 88 households have moved in. The construction was financed by Transferred Development Rights which also repaid the loan taken from CLIFF for construction. Read More


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Oshiwara 1 & 2

Oshiwara is a western suburb that was considered a good location for slum dwellers in western suburbs living on railway land to relocate to. A land owner with slums on his land offered it to the state government (MMRDA) to take up so that residents could be re-housed and additional land used for relocating slum dwellers. NIRMAN was invited to work on the project both because the resident slum dwellers trusted the federation and the railway federation wanted that location. CLIFF lent the money for which the TDR was able to cover all costs. Oshiwara II was on land owned by a private land owner that was encroached by a buffalo shed that would not move. Both saw the federation as a trusted intermediary and after the development of Oshiwara I, MMRDA trusted the Alliance to take on the project. It was divided into two phases. Phase 1 was financed by ICICI bank which lent the money with a guarantee from USAID. Read More


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Rajeev Indira

Rajeev Indira was the first cooperative in Dharavi to approach the federation to take on in-situ construction under the SRA scheme. This project was designed and managed as a joint venture between the cooperative and SPARC Samudaya Nirman Sahayak (NIRMAN) and a loan from Citibank with a guarantee with Homeless International with an additional loan from CLIFF financed the construction. Read More


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Bharat Janata

Bharat Janata became the second Dharavi society to also undertake a joint venture with the Alliance and demonstrated that even a project in the center of Dharavi was viable. For this project the loan was taken from the National Housing Bank (NHB), with a guarantee from Homeless International. Read More


Subsidized Housing

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Pune Basic Services for the Urban Poor, Yerwada

In 2009, SPARC -SSNS was given the first work order to construct 750 houses in Yerawada, Pune as part of the in -situ BSUP scheme. The progress of Yerawada encouraged the neighboring slum dwellers and their elected representative to accept the BSUP scheme. The BSUP scheme seeks to build a house at a financial cost of Rs. 3 lakhs per house, for which funds provided were 50% central, 20% state, 20% from the municipality and the remaining 10% of the cost was a contribution from the receiving beneficiary. Transit accommodations are managed by participating households on their own. The project also provides for infrastructure layouts and basic amenities. Read More


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Bhubaneswar & Puri Basic Services for the Urban Poor

In the city of Bhubaneswar and Puri in Odisha, the municipal government had chosen to undertake housing and related infrastructure in the slums under the BSUP scheme. In this regard, it had chosen settlements where residents had secure land tenure in order to eliminate issues related to land acquisition. The Alliance was contracted to carry out both housing as well as infrastructure in these settlements. Read More


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Basic Services for the Urban Poor, Nanded

In 2010, the Nanded Municipality approached SPARC to help implement the BSUP project which had run into trouble with communities and contractors. Exchanges were held between Pune Mahila Milan and community groups from Nanded and in 2011, SPARC/SSNS officially took up work for upgrading 500 houses in Nanded that were at several levels of completion by earlier contractors. Mumbai Mahila Milan has taken some of the construction contracts. Read More


Incremental Housing Loans

Houses that get built gradually over time using different materials, through self financing and outside formal institutional arrangements, are defined by us as informal incremental housing. It is a unit that almost all informal households start with, and we believe that adding to this initially to consolidate it and later to further build with formal materials is a seriously scalable habitat investment that has yet to be recognized. This process of incrementally building their houses is never acknowledged or accepted by the city. The notion is that you break a house and build it again which does not serve any purpose, whereas the poor gradually build and upgrade their houses as and when they have the resources. It is also at times “learning by seeing”.