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State level organization for housing
The following are the organization acting at state level for housing program
1.Tamilnadu Housing Board [TNHB]
2.Tamilnadu Slim Clearance Board [TNSCB]
3.Tamilnadu Police Housing Corporation [TNPHC]
4.Co-opearive hosuing societies
6.Adidravidar housing development scheme [TAHDCO]
7.Building Centre [Located at collectorate of each districts]
8.Private housing finance
1. Tamilnadu Housing Board [TNHB]
TNHB was formed I 1961 to cope up with the increaing demand in housing sector all over the state of Tamilnadu due to urban growth leading to migration to urban areas in search of employment opportunties. It is also the principal town planning and city and Suburb development arm of the Tamilnadu Government. It under the Department of Housing and Urban Developmet (Tamilnadu)
1. To clear all the slums in Chemical and to proviode self contained hygienic tenements.
2. To prevent the groeth of slams and encroachments
3. To prevent the eviction of slum dwellers by private oweners and to provide the slum families with security of tenure.
To provide basic amenities like water supply, street lights, storm water drains, sewer line, etc to the slum areas.
Policies / Strategy
The Three pronged strategy for developing / clearing slums followed by tamil nadu Slum Clearance Board are:
i) In - Situ plotted development and infrastructure improvement
Whereever In-situ plotted development is feasible, such slums are identified and taken up for in-situ improvement for provision of absic facilities to make the areas habitable and for provision of tenurial rights to the occupiers after getting the land transferred to the tamilnadu slum clearance Board.
ii) In-situ tenemental schemes
The slums located in unobjectionable poramboke areas, wherein equitable distribution of space to all is not feasible, are cleared and tenemental (public housing) schemes put up.
iii) Rehabilitation and Resettlement scheme
Wherever neither tenemental nor insitu development is feasible, (as in the case of objectionable porambokes like water ways etc.,) Rehabilitation and Resettlement in tenements in nearby locations with necessary infrastructure is taken up. The cleared site is then restored to its original use.
i) Tamil Nadu Slum Clearance Board has provided support to individual housing schemes under different programmes like VAMBAY, Rajiv Gandhi
Rehabilitation Package etc.,
ii) To ensure holistic development and economic upliftment of the poor, the Board has spear-headed community development activities in the slums, under which it imparts vocational training and livelihood support, specially for the youth and women.
3. Tamil Nadu Police Housing Corporation (TNPHC)
Government of Tamilnadu with a view to raising the level of satisfaction in housing for police personal decided to construct houses for the Policemen and Police Officers. Accordingly this Company was registered under the Companies Act 1956, as a wholly owned Company of Tamil Nadu Government and came into being with effect from 13.4.1981. While the Company was gradually increasing its construction activities each year, the then Government based on the recommendations of Ramanathan Committee constituted to study the viability and usefulness of Public Sector Enterprises and other autonomous bodies. The activities of this Corporation were then transferred to the Tamil Nadu Housing Board.
4. Tamil Nadu Cooperative Housing Federation (TNCHF) Introduction
Cooperative Housing Department has at its command a vast network Housing Cooperatives both in Rural and Urban centres for providing housing finance for improving housing sock in Tamil Nadu. As many as 196 Taluk Cooperative Housing Societies are catering to the demands of rural people, while a network of 574 Urban Cooperative Housing Societies are meeting the housing needs in urban areas, with all such societies affiliated to the Tamil Nadu Cooperative Housing Federation Limited.
5. Tamil Nadu Adidravidar Housing and Development Corporation
Tamil Nadu Adi Dravidar Housing and Development Corporation
Limited (TAHDCO) were incorporated in 1974 under the Companies Act, 1956 with a objective to improve socio economic status in Tamilnadu.
TAHDCO has facilitated Self Help Groups through financial assistance for employment ventures and to empower themselves by taking up a wide variety of economic activities such as.
TAHDCO acts as a State Channelising Agency in implementing the National Schemes of the Ministry of Social Justice and Empowerment, Govt. of India
The Schemes are:
National Scheduled Caste Finance and Development Corporation Scheme
National Scheduled Tribes Finance and Development Corporation Scheme
National Safai Karamacharis Finance and Development Corporation Scheme
National Scheme for Liberation and rehabilitation of Scavengers and Dependents
National Scheduled Caste Finance and Development Corporation (NSFDC)
Project assistance up to Rs.5 Lacs per beneficiary is given.
30% of the Project cost subject to a maximum of Rs.25,000/- is given as subsidy. Balance up to 90% is given as term loan from NSFDC.
Assistance is given for any viable income generating activity to scheduled Caste and beneficiaries.
Margin Money assistance - 20% of the Project Cost (or) Max. Rs.1.25 Lacs
National Scheduled Tribes Finance and Development Corporation (NSTFDC)
National Scheduled Tribes Finance and Development Corporation provide financial assistance for schemes/projects for the economic development of scheduled Tribes.
Project assistance up to Rs.5 Lacs per beneficiary is given.
30% of the Project cost subject to a maximum of Rs.25,000/- is given as subsidy. Balance is given as term loan from NSTFDC.
Assistance is given for any viable income generating activity to Scheduled Tribe beneficiary.
National Safai Karamcharis Finance and Development Corporation
Project assistance up to Rs.5.00 Lacs per beneficiary is given.
30% of the project cost subject to a maximum of Rs.25,000/- is given as subsidy.
Balance is given as term loan from NSKFDC/Banks.
Assistance is given for any viable income generating activity to sanitary workers and their dependents.
National Scheme for Liberation and Rehabilitation of Scavengers (NSLRS)
Project assistance up to Rs.50,000/- per beneficiary is provided.
30% of the project cost subject to a maximum of Rs.10,000/- is given as subsidy.
Balance amount is arranged as loan from NSKFDC/Banks.
Assistance is given to scavengers and their dependents for any viable incoming generating activity as alternate source of livelihood.
6. Land Development Banks (LDB)
The special banks providing Long Term Loans are called Land Development Banks (LDA). The history of LDB's is quite old. The first LDB was started at Jhang in Punjab in 1920. But the real impetus to these banks was received after passing the Land Mortgage Banks Act in 1930's (LDB's were originally called Land Mortgage Banks). After passing this Act LDB's were started in different states of India.
The main objective of the land development bank is to promote the development of agriculture and increase the agricultural production. The CLDBs provide long-term finance to PLDBs affiliated to them or finance directly through their branches.
These Banks have two-tier structure
1. Primary Land Development Bank at district level with branches at taluka level.
2. State Land Development Bank. All primary Land Development Banks are federated into Central Land Development Bank at the State Level. In some States, there is 'Unitary Structure' wherein, there is only one State Land Development Bank at the state level operating through its branches and sub-branches at district and below levels.
Primary Land Development Banks (PLDB)
These banks were originally organized to cover one or a few taluks in the district. At present they are eligible to cover one development block. All
land owners are eligible to become members and borrow funds by
ortgaging their land. The principal borrower is enrolled as 'A' class member and
others who have interest in the mortgaged property are admitted as 'B' class members.
Central Land Development Bank (CLDB)
These members of the CLDBs are the PLDBs and a few individual promoters. It grants long-term loans to agriculturists through the PLDBs and branches of CLDBs. It raises funds through floating debentures, which are guaranteed by the State Government. When PLDB obtains loan from the CLDB, it assigns the mortgage deeds obtained from the borrowers to the CLDB. The CLDB floats debentures and raises funds against the security of these properties. The NABARD and LIC subscribe for the debentures in large amounts and the former also extends refinance assistance to LDBs.
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