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Include EWS Housing Under Schedule VII Of CSR

Anand Kumar Bolimera, National Director, Habitat for Humanity India says incorporating affordable housing for EWS under CSR provisions will contribute to affordable housing initiatives.

BY Realty+
Published - Thursday, 30 Jan, 2025
Include EWS Housing Under Schedule VII Of CSR

India has achieved significant milestones in housing through the Pradhan Mantri Awas Yojana (PMAY). Expanding the program to include 2 crore additional rural houses and 1 crore urban houses by FY 2024-29 highlights the government’s dedication to uplifting marginalized communities.

Further policy interventions, such as enhanced subsidies for the Economically Weaker Section (EWS), can reduce financial barriers and improve access to quality housing. To advance the Government of India’s vision of ‘Housing for All,’ incorporating affordable housing for EWS under Schedule VII of the Corporate Social Responsibility (CSR) provisions in The Companies Act will empower corporates entities and foundations to contribute to affordable housing initiatives.

Encouraging public, private banks and financial institutions to prioritize affordable housing loans; introducing preferential interest rates and affordable repayment options (EMIs) for such loans will advance access to affordable housing. Additionally, blending CSR funds with government grants can address funding gaps.

We advocate for a Public Private People Partnership (P4) model to foster effective collaboration among stakeholders. This will accelerate progress toward ‘Housing for All’ and support inclusive, sustainable development aligned with the United Nations Sustainable Development Goals (SDGs).

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