Kerala Housing Scheme

The main aim of Kerala Housing department is to implement various housing construction and loan schemes in order to cater to the housing needs of people irrespective of any income group. The department functions as the nodal department in the housing sector. The major enterprises under the department are the Kerala Housing Board and Kerala State Nirmithi Kendra.

Schemes and Programmes run by the Department

• M.N. Laksham Veedu Punarnirmana Padhathi – The department offers financial assistance to individuals for reconstruction of dilapidated twin houses and single houses under the scheme. A subsidy of Rs.75,000, Rs.1 lakh, and Rs.1.75 lakh is offered by the government to individuals for general, SC and ST category. Of the total amount, 50% is given by the Kerala State Housing Board while the rest is met by the local self-government departments.
• Innovative Housing Scheme – Under the Innovative Housing Scheme, it was proposed that residential flats will be constructed in government land for the displaced labourers who fall under the economically weaker section that resides in the urban area. Till date, a total of 212 flats have been constructed in the government land available at Poojappura and Thrikkakara.
• Tsunami Rehabilitation Programme – This programme requires the board to act as a nodal agency for the implementation of the coastal housing and re-settlement programmes (CHRP). As part of the programme, houses have been constructed in districts like Trivandrum, Malappuram, Kozhikode, Kannur and Kasargod.
• Suraksha Housing Scheme – The housing board offers financial assistance for the homeless Economically Weaker Section (EWS) in both urban and rural areas under the scheme. Financial assistance is offered to those individuals who own at least 2 cents of land to construct a house by themselves. The scheme has the option to associate voluntary agencies and NGOs to assist the construction. The capital subsidy from the government shall be Rs.9,000 for a house and Rs.2,000 for beneficiary/voluntary contribution. For the construction of a building costing Rs.30,000, Rs.19,000 shall be given as construction loan. It needs to be mentioned here in case voluntary organizations are associated, the entire amount shall be provided to the beneficiary by them or they can build the structure up to roof level.
• New Suraksha Housing Scheme – This scheme was approved by the board in 2007. Under it, a new financial plan was approved. The construction cost of one house is taken as Rs.1 lakh as against Rs.30,000. The Government Subsidy is Rs.25,000 as against Rs.9,000.

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It needs to be mentioned here that the board also implements schemes like Grihasree housing, Parasparyam projects, and Saphalyam housing.