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Summary No-14
Profile of the Student:
Name: Aditi Trivedi
Degree: MA (Economics)
Institute: Bhimrao Ambedkar University, Lucknow
Profile of the Mentor:
Name: A.C.Sarmah
Designation:DGM
Department:DOR
Name of Regional Office: Uttar Pradesh (Lucknow)
Objectives of the study:
The objective of the study is to analyze the rural housing issues in U.P. with reference to the two districts
Raebarelli and Barabanki. The focus is on the demand of housing by the rural populace and how the
credit need of the housing is fulfilled by the various agencies. The specific objectives of this study are as
under:-
1. Demand supply position – Role of different agencies.
2. Scope and need of housing finance in rural areas.
3. Implementation of various schemes and projects.
4. Performance of banks in financing rural housing
5. Constraints in access to finance for rural populace
6. Recovery performance and NPA
7. Impact of schemes on business and income of banks and borrowers
Sample Size & Methodology:
The study is primarily based on data collected in respect of a sample population of 120 village households
in Barabanki and Raebarelli districts of U.P as also interactions with other stakeholders’ viz., different
financing banks, micro finance institutions and govt. departments etc. Secondary data used in preparing
the report are from various reports, publications, scheme guidelines etc.
Major Observations & Findings:
Demand Side Perspective:
• Huge shortage of pukka houses coupled with lack of basic facilities like water supply, sanitation and
electricity & Having a pukka house is still treated as a luxury for rural households.
• Poor agricultural productivity leads to Low income and low savings. Around 48% i.e.30 households
in Barabanki and 63% i.e.38 households in Raebarelli do not save at all or it is below Rs.500 p.a.
• Mostly people had Semi pukka houses which were built in instalments. Around 40%-50% (27 in
Raebarelli and 32 in Barabanki) of the total households surveyed have semi pukka houses.
• Only around 60% respondents had access to sanitation facility, 10%water supply and 70% electricity
but the duration of its supply was only 2-3 hours a day.
• Poor repaying capacity to service multiple debts including KCC and loans from other sources.So,
people faced refusals from bank for housing loans.
