Low Income Shelter Financing in Slum Upgrading: India Urban Initiatives

Sally Roe Merrill · Ajay Suri

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Urban and Rural Development Challenges Housing Market and Economics Microfinance and Financial Inclusion

Abstract

This report summarises findings from the USAID-sponsored project on models of financing for slum upgrading in India, undertaken on behalf of SPARC, a Mumbai-based NGO involved in slum upgrading and the National Housing Bank of India (NHB). This report primarily addresses the following topics: lack of finance for low income housing, lack of participation of banks in construction finance in slum projects, and suggestions for credit enhancements to better leverage subsidies and household contribution.

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