G.O. (Ms.) No. 64, New Segmented Housing Model, 2022
The Housing and Urban Development Department, Government of Tamil Nadu, issued G.O. (Ms.) No. 64 dated 21 April 2022, approving a New Segmented Housing Model for projects of the Tamil Nadu Urban Habitat Development Board. The model allows eligible urban poor beneficiaries to choose among dwelling sizes with contributions linked to plinth area, while requiring suitable common space and amenities where smaller units increase project density.
What the government approved
G.O. (Ms.) No. 64 dated 21 April 2022 approves a New Segmented Housing Model for the Tamil Nadu Urban Habitat Development Board. It forms part of a prior action under the World Bank financed second Tamil Nadu Housing Sector Strengthening Program and is intended to improve affordability, inclusion and access to private housing finance.
The model responds to differences in household size, housing need and payment capacity among economically weaker section households. It also addresses concerns about unoccupied tenements caused by factors including location, affordability, connectivity and access to labour markets.
Who is affected
The New Segmented Housing Model affects eligible beneficiaries of Tamil Nadu Urban Habitat Development Board housing projects, including squatters, in situ slum dwellers and economically weaker section households. Beneficiaries may select a dwelling option according to their needs and affordability.
The government approved pilot implementation of about three projects during the financial year 2022 to 2023. Locations must provide connectivity and access to social and economic opportunities and must be suitable for smaller, segmented units.
Housing options and contributions
The approved menu identifies three categories for Chennai and district towns:
- One Room Unit, with an indicative plinth area of 250 square feet.
- One Bedroom Hall Unit, with an indicative plinth area of 350 square feet.
- One Bedroom Hall Kitchen Unit, with an indicative plinth area of 450 square feet.
- The Government of India share shown for each unit is Rs. 1.50 lakh.
- The Government of Tamil Nadu share shown for each unit is Rs. 7.00 lakh.
- Beneficiary contributions are linked to project cost, government grant and the selected unit. For the One Room Unit, the table states the higher of 10 percent of project cost or project cost less government grant. For the other listed units, it states project cost less government grant.
Implementation requirements
The New Segmented Housing Model applies the consolidated guidelines issued in G.O. (Ms.) No. 10 dated 25 January 2022. These cover beneficiary eligibility and identification, demand surveys, land identification for greenfield projects, communication, consent for beneficiary contributions, allotment, resident welfare associations, maintenance, monitoring, social audit and habitat development committees.
The Tamil Nadu Urban Habitat Development Board must also try to arrange bank loan links for beneficiaries. Projects must assess and provide additional common space and common amenities because reducing unit area can increase housing density.
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Common questions
Can a beneficiary choose the size of the dwelling?
Yes. G.O. (Ms.) No. 64 dated 21 April 2022 allows beneficiaries to select from dwelling options with different plinth areas and corresponding contributions.
What dwelling sizes are proposed under the segmented model?
The listed options have indicative plinth areas of 250, 350 and 450 square feet. They are described as a One Room Unit, One Bedroom Hall Unit and One Bedroom Hall Kitchen Unit.
Will the Tamil Nadu Urban Habitat Development Board help beneficiaries obtain loans?
The Tamil Nadu Urban Habitat Development Board is directed to make necessary efforts to tie up bank loans for beneficiaries to pay their contributions.
Does the approval require common amenities in projects with smaller units?
Yes. The approval requires additional common space and common amenities to be assessed and provided because smaller per unit areas increase project density.
