CONTENTS Executive Summary 1 Introduction to the Study. 6 1.1 Background . 6 1.2 Demographic dimension of Rural Population . 7 1.3 Importance of Rural Housing 7 1.3.1 Constitutional Provision of housing . 8 2 Formation of Research 9 2.1 Need for Research . 9 2.2 Aim of the study 9 2.3 Objectives 9 2.4 Research Questions . 10 2.5 Scope of Study 10 2.6 Methodology . 10 2.6.1 Criteria for Selection of Village. . 11 2.6.2 Selection of respondents . 11 3 Rural Housing in India: Literature Review . 13 3.1 Rural Housing in Five Year Plans. 20 3.2 Role of Financial Institutions 24 3.2.1 National Housing Bank (NHB) . 24 3.2.2 National Bank for Agriculture and Rural Development (NABARD) . 25 3.2.3 Housing and Urban Development Corporation (HUDCO). . 26 4 Rural Housing: Gujarat . 27 4.1 Centrally Sponsored Schemes . 27 4.1.1 Indira Awas Yojna 27 4.2 State Sponsored Schemes 30 4.2.1 Sardar Patel Awas Yojna-1 . 30 4.2.2 Sardar Patel Awas Yojna- 2 30 4.2.3 Halpati Awas Yojna 31 4.2.4 Jamin Sampadani Yojna (Land acquisition and Infrastructural facilities for the Rural Housing) 31 5 Context: About the Site . 32 5.1 District Profile: Sabarkantha . 33 5.2 Case Study: Punsari “An Ideal Village” . 35 5.3 Taluka Profile: Himmatnagar 36 5.4 Village Profile: Nava 38 5.5 Village Profile: Raygadh . 38 6 Preliminary Analysis . 40 6.1 Respondent Profile 40 6.1.1 Duration of residence in Village . 40 6.1.2 Household Size . 40 6.1.3 Education Status . 41 6.1.4 Family Occupation 42 6.2 Housing Profile . 43 6.2.1 Housing Conditions 43 6.3 Housing and Government Programmes in the village 45 6.3.1 Comparison between self-funded house and a House constructed under a government programme.51 6.4 Role of women and women‟s participation in housing process 52 6.5 Provision of Infrastructure: Physical and Social . 55 6.6 Rural Housing: A Reality Check 58 7 Conclusion 61 7.1 Findings of the research 62 7.2 Suggestions . 65 7.3 Way forward . 67 8 References . 69 Appendix.71