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Maharashtra – A Key Leader in Housing for All Mission
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With Prime Minister Narendra Modi making it a mission to provide housing for all by 2022, all eyes are on how it’s going to be achieved. As part of the mega-plan, Maharashtra is gearing up to complete its share of 1.2 million houses for the urban poor under Pradhan Mantri Awas Yojana (PMAY) within the given time-frame. Constructing so many houses cannot be brushed aside as a small feat by any yardstick. Surely, much has gone into the planning and execution part by the Government of Maharashtra under the visionary leadership of Chief Minister Devendra Fadnavis. In this light, the Government of Maharashtra’s Housing Department in association with Elets Technomedia Pvt Ltd has organised the Affordable Housing Summit Maharashtra. The latest edition of eGov Magazine also thus justifiably focuses on understanding the housing initiatives by this State government. Our cover story “Housing For All -- Making Lifetime Dream Come True”, delves into various Government schemes being executed as part of the big endeavour to provide affordable housing to the common man. From Maharashtra, Sanjay Kumar, Additional Chief Secretary, Department of Housing and Gautam Chatterjee, Chairman, Maharashtra Real Estate Regulatory Authority (MahaRERA) have shared the vision of the State Government for housing. In a special interview, taking us through various Government initiatives is Amrit Abhijat, Joint Secretary, Pradhan Mantri Awas Yojana, PMAY, Ministry of Housing and Urban Affairs and Mission Director, Housing For All (HFA), Government of India. Offering the industry perspective in the magazine are Rohit Poddar, Managing Director, Poddar Housing and Development Limited and Ramratthinam S, Chief Executive Officer, Muthoot Homefin (India) Limited have talked about their initiatives in the housing sector. Yashpal Yadav, Municipal Commissioner of Gurugram has spoken about the initiatives taken by the administration to make Gurugram a Smart City. Our latest edition also features interviews of Daniel Chuburu, Ambassador of Argentine Republic to India and Mohammad Iqbal Mohammad Noor, Minister, Economic Affairs, Embassy of Malaysia to India. Ashok Sangwan, Director-cum-Special Secretary, Industries and Commerce Department; Adviser, Civil Aviation, Department and Special Secretary to Government of Haryana, has talked about the Haryana Government’s plan to make Hisar Airport of global standards. With a hope of providing a deeper insight into Maharashtra’s vision, we hope our latest endeavour made through interviews, articles and stories will evoke our esteemed readers’ invaluable feedback.
INTERVIEWS This section highlights various stakeholders, bureaucrats and policy makers influencing governance in the country.
DR RAVI GUPTA Editor-in-Chief, eGov magazine, and Founder & CEO, Elets Technomedia Pvt Ltd
CONTENTS
OCTOBER 2018 | Volume 14 | Issue 18
08 COVER STORY HOUSING FOR ALL MAKING LIFETIME DREAM COME TRUE
16 AMRIT ABHIJAT
12 SANJAY KUMAR
Joint Secretary, Pradhan Mantri Awaas Yojana, PMAY, Ministry of Housing and Urban Affairs and Mission Director, Housing For All (HFA), Government of India
Additional Chief Secretary Housing Department Government of Maharashtra
20 GAUTAM CHATTERJEE
24 DR VIJAY SATBIR SINGH
Chairman, Maharashtra Real Estate Regulatory Authority (MahaRERA)
Member, Maharashtra Real Estate Regulatory Authority (MahaRERA)
26 ASHOK SANGWAN Director-cum-Special Secretary, Industries & Commerce Department; Adviser, Civil Aviation, Department and Special Secretary to Government of Haryana
40 l CONFERENCE REPORT
28 YASHPAL YADAV
30 DANIEL CHUBURU
Commissioner, Municipal Corporation of Gurugram (MCG)
Ambassador of Argentine Republic to India
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32 MOHAMMAD IQBAL MOHAMMAD NOOR Minister, Economic Affairs, Embassy of Malaysia to India
36 PRAKASH BAVISKAR Founder, Baviskar Group of Companies
38 RAMRATTHINAM S Chief Executive Officer Muthoot Homefin (India) Limited
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COVER STORY
HOUSING FOR ALL
Making Lifetime Dream Come True In a bid to make citizens’ dream of having a home of their own a reality, Prime Minister Narendra Modi has made it a mission to provide ‘Housing for All’ by 2022, the 75th year of country’s independence. Courtesy various Government schemes, the housing sector is likely to contribute around 11 percent to India’s GDP by 2020, observes Priyanka Sharma of Elets News Network (ENN).
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The Government has launched a comprehensive mission “Housing for All by 2022” in 2015. It envisages addressing the requirement of houses for the urban poor including slum dwellers through: l Slum rehabilitation of slum dwellers with participation of private developers using land as a resource l Promotion of affordable housing for weaker section through credit linked subsidy l Affordable Housing in partnership with public and private sectors l Subsidy for beneficiary-led individual house construction India needs investment to the tune of $4 trillion over the next 5-6 years to fulfil the government’s various schemes. The Housing for All by 2022 initiative alone is likely to bring $1.3 trillion investments into the residential sector by 2025, states a report by Anarock Property Consultants. A Technology Sub-Mission under the Mission has been set up to facilitate adoption of modern, innovative and green technologies and building material for faster and quality construction of houses.
PPP strategies including government grants and subsidies can also be potentially deployed to unlock unutilised/ underutilised parcels of both government as well as privately owned lands for affordable housing. Technology Sub-Mission also facilitates preparation and adoption of layout designs and building plans suitable for various geo-climatic zones. It will also assist States/Cities in deploying disaster resistant and environment friendly technologies. Under the Pradhan Mantri Awas Yojana (PMAY), a credit linked subsidy on home loans is provided for Economic
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Weaker Section (EWS), Low Income Group (LIG) and middle-income groups. This loan can be availed for new or re-sale-purchase of home, construction or, for extension or improvement of rooms, kitchen, toilet, etc.
How RERA and GST impacted the housing sector? Real Estate Regulatory Authority (RERA) has had a massive impact on both buyers and developers in the States where it has been implemented in the intended manner. Real estate developers are aware that they have to now toe the line and conduct their business responsibly. Buyers know that they have a strong redressal system to rely on GST has not had much of an impact, but that is probably because it is still work in progress. It has certainly made a clear classification between ready-to-move and under-construction properties, with the former having escaped its ambit. However, it will eventually serve the same purpose as RERA, and that is to render the real estate industry more transparent and accountable.
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COVER STORY Maharashtra is one of the first States to implement the provisions of Real Estate (Regulation and Development) Act, 2016 (RERA) and establish the Real Estate Regulatory Authority of Maharashtra (MahaRERA). Maharashtra has the highest number of projects (17,567) and real estate agents (16,045) registered with Authority – higher than any other authority. The Real Estate (Regulation and Development) Act, 2016 is an Act of the Parliament of India which seeks to protect home-buyers as well as help boost investments in the real estate industry. The complete Act came into force on 1 May 2017. “We have created a consolidation forum where both the parties involved sit across the table and resolve their differences. We act as the facilitator and have 15 benches reserved for that. The solution rate in this process is 90 percent. The idea is that the matter should not linger on in the court but resolved by reaching a mutual understanding so that people can move forward,” said Gautam Chatterjee, Chairman, MahaRERA.
The Road Ahead While the potential for directing privately owned land towards an affordable housing at a low cost is limited, appropriate PPP structures can be used to incentivise the private sector in that direction. Strategies attempted include directing private land for affordable housing in exchange for permission for more intensive utilisation of land or in exchange for permission to build high-end housing. PPP strategies including government grants and subsidies can also be potentially deployed to unlock unutilised/ underutilised parcels of both
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Real Estate Regulatory Authority (RERA) has had a massive impact on both buyers and developers in the States where it has been implemented in the intended manner. government as well as privately owned lands for affordable housing. In order to facilitate private sector participation and to meet the growing need of affordable housing in the country, the Ministry of Housing and Urban Affairs had set up a ‘Committee on PPP in Affordable Housing Sector’. It is envisaged that a sizeable and
sustainable response through strategic PPP models will allow a self-propelled market to address the challenge of land availability and its high cost. In addition, private sector participation will also enhance access to financing and capital markets, as well as reduce costs through gains in construction, operations and time-bound delivery of dwelling units. The underutilised potential of directing privately owned land towards affordable housing would also give a fillip to the existing verticals of PMAY (Urban).
Progress in Maharashtra The Maharashtra Government has set a target of completing its share of 1.2 million houses for the poor under the Pradhan Mantri Awas Yojana (PMAY) within the given time frame. Under the PMAY scheme, the Centre pays Rs 1.5 lakh to below poverty line
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(BPL) card holders to construct ‘pucca’ houses, over a 10 million of which are to come up across the country for those identified in the Socio Economic Census (SEC) conducted in 2011. Of the Rs 1.5 lakh, the Centre pays 60 percent while the rest comes from the State. Each State has been given yearly targets for completion of the project, which range from wo lakhs to five lakhs dwellings, depending on the number of BPL families present. “While we build affordable houses, we should also ensure that these houses promote healthy and quality-of-life living among this generation as well as
our future generations. We should aim to develop green and sustainable buildings that have a positive impact on the health of residents by low carbon footprint,” said Sanjay Kumar, Additional Chief Secretary, Department of Housing, Government of Maharashtra.
City and Industrial Development Corporation (CIDCO) Mumbai is one of the prominent cities that draw people in large numbers every day. This led to the rapid rise of suburbs. The major problems faced by people in these areas were of drainage, schools, hospital and other medical facilities.
It was during this time that Asia’s largest slum-- Dharavi had started to take shape. At this time, a need for a new city adjacent to Mumbai was also felt. The Government of Maharashtra passed the Maharashtra Regional and Town Planning Act in 1966 and it was implemented the next year. To regulate the growth of the neighbouring cities of Mumbai, CIDCO was formed in 1970. One of the key objectives of CIDCO is
Affordable housing is a big opportunity in the making and it could have a multiplier effect on the economy. to reduce traffic congestion and burden on Mumbai’s physical infrastructure such as road transport, mass rapid transportation system and to provide physical and social services which would raise living standards and reduce disparities in the amenities available to different sections of the society.
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AREAS FOR IMPROVEMENT There are a number of challenges facing affordable housing. High cost of land, the consequence of a number of factors, is one of the principal challenges. Financing the land is another major challenge that real estate developers face in delivering affordable housing. The absence of a clear title is also a serious deterrent for participation by financial institutions and real estate developers in new as well as redevelopment projects of real estate. In the absence of
redevelopment and densification of available lands, land remains underutilised - further contributing to shortage of land and to high land prices.
CONCLUSION Affordable housing is a big opportunity in the making and it could have a multiplier effect on the economy. Multiple growth drivers for housing include continued urbanisation ensuring strong housing demand in Tier 2 and Tier 3 cities, rising income with increasing affordability, smaller nuclear families comprised of fewer individuals per household, tax incentives, and marked slum redevelopment.
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HOUSING PERSPECTIVE FROM MAHARASHTRA
Sanjay Kumar
Additional Chief Secretary Housing Department Government of Maharashtra
“Maharashtra has initiated the world’s largest affordable housing project comprising of 30,000 houses on PPP basis at Rayanagar, District Solapur.” 12
OCTOBER 2018
Affordable Housing Gets a Boost in Maharashtra Maharashtra accounts for largest number of green buildings in India. As many as 1,124 green buildings from Maharashtra have been registered with the Indian Green Building Council (IGBC), taking the State to the top position in green building footprints in the country, says Sanjay Kumar, Additional Chief Secretary, Housing Department, Government of Maharashtra, in conversation with Harshal Desai of Elets News Network (ENN).
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HOUSING PERSPECTIVE FROM MAHARASHTRA
together constitutes over 95 percent of the total housing shortage. Accordingly, our esteemed Prime Minister Narendra Modi endeavours to provide housing for all citizens of India. For urban areas, the Government is implementing Pradhan Mantri Awas Yojana (Urban) to build houses for urban poor especially EWS and LIG. Maharashtra is one of the top performing states in the country for implementation of this scheme with more than seven lakhs sanctioned houses under this PMAY (Urban). We
sand, solar street light, etc.
Can you please share few additional initiatives taken by Maharashtra Government to boost affordable housing in the State? The Housing Department has undertaken several measures to encourage affordable housing. Some of them are: l The Government lands to be
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“The Government of Maharashtra has designed a Public Private Partnership Policy (PPP) for private land owners to come forward and develop affordable housing in joint venture with MHADA.”
The Maharashtra Government has embarked on an ambitious scheme of Housing for All in urban areas. Can you please elaborate on this? Housing continues to be a basic need of humanity. As per report of the technical group on Urban Housing Shortage (TG-12) to the Ministry of Housing and Urban Poverty Alleviation (MHUPA), India’s urban housing shortage is estimated at nearly 18.78 million households, of which Maharashtra urban housing shortage is 1.94 million. Urban housing shortage is especially prominent across Economic Weaker Section (EWS) and Low Income Groups segment which
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have about 382 Urban Local Bodies areas and various planning authorities’ areas sanctioned under this scheme. Maharashtra has also initiated the world’s largest affordable housing project comprising of 30,000 houses on PPP basis at Rayanagar, District Solapur. This project shall implement green technologies like rain water harvesting, use of recycle water from sewerage treatment plant for flushing and gardening, zero use of natural
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l
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available at Rs 1 per sq mt to Government and semi-government bodies for projects under PMAYHFA(U) vide GR dated 19.09.2016. The Government of Maharashtra is offering Rs 1 lakh subsidy to each beneficiary, under ISSR, AHP and BLC components of PMAY (U). Fees for joint measurement of land under PMAY projects will be charged at 50 percent of prevailing as per a order given by Director, Land Records, Pune in 2016. Stamp duty at Rs 1,000 only per EWS house will be charged for first instrument executed for the purpose of allotment of residential premises and measuring up to an area of 30 sq mt to the person belonging EWS and LIG category as per PMAY-HFA (U) as per an order by ACS, R&F Department in 2016. The Government of Maharashtra has provided 2.5 FSI for all Affordable Housing Projects Developed by Maharashtra Housing And Development Authority (MHADA) and 1 FSI in Green zone The Government of Maharashtra has designed a Public Private Partnership Policy (PPP) for private land owners to come forward and develop affordable housing in joint venture with MHADA. The Government of Maharashtra has also released Joint Venture Policy wherein private land owners
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HOUSING PERSPECTIVE FROM MAHARASHTRA
can partner with MHADA for development of affordable housing projects. l MHADA has also been made Special Planning Authority to facilitate single window approval for all Affordable Housing Projects under PMAY(U) l The Government of Maharashtra has also announced Maharashtra Construction Worker Housing Scheme wherein additional two lakhs subsidy is provided to building and construction workers for housing. l The Housing Department, Government of Maharashtra has empaneled 16 technologies approved by BMPTC (Building Promotion and Technology promotion Council) for construction of affordable housing
“The State is undertaking redevelopment of Bombay Development Directorate (BDD) chawls at Worli, Naigaon and Parel.”
You often mention of Green Homes. What is your vision for the same? While we build affordable houses, we should also ensure that these houses promote healthy and quality-of-life living among this generation as well as our future generations. We should aim to develop green and sustainable buildings that have a positive impact on the health of residents by low carbon footprint. Globally housing sector is one of the largest sectors in terms of CO2 contributions. This sector consumes: l Over 40 percent of global energy annually l 20 percent of total global greenhouse gas emissions originate from buildings l There is a projected 56 percent increase in building CO2 emissions by 2030 l Buildings use 40 percent of raw materials globally (3 billion tonnes annually) l Buildings are expected to use 12 percent of Potable Water Consumption l Generating 25-40 percent of total solid waste Moreover, construction activities are a direct cause of soil erosion and contamination, air contamination by asbestos particles and dust, and noise pollution, etc.
in Maharashtra. The rates of four technologies among these have also been finalised. Developers can use these technologies with the rates decided for construction of affordable housing. l Considering the objective of “Housing for All”, the Housing Department, the Government of
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Maharshatra has decided to rehabilitate the unprotected slums of until 01-01-2011 as well under Slum Rehabilitation Act 1971 (GR dated 16th May 2018) l There are several other initiatives in pipeline also like waiver of development charges, building plan approval application fees and so on.
Globally, there is a great drive towards green buildings and India is adopting the same. I am pleased to see that in India, Maharashtra accounts for largest number of green buildings in India. As many as 1,124 green buildings from Maharashtra have been registered with the Indian Green Building Council (IGBC), taking the State to the top position in green building footprints in
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HOUSING PERSPECTIVE FROM MAHARASHTRA
the country followed by Tamil Nadu (355), Karnataka (354), Uttar Pradesh (351). We need to continue this momentum.
Maharashtra has also been adjudged as leader in implementation of RERA in the country. What are the key initiatives taken by MahaRERA? Maharashtra was among the first States to notify rules, regulations and establish Maharashtra Real Estate Regulatory Authority also known as MahaRERA. MahaRERA is the first authority to have fully paperless, online and completely transparent office from day 1 i.e. 1st May, 2017. All Services towards stakeholders are online including: l Online registration of real estate projects l Online registration of real estate agents l Online disclosure of information l Online complaints filing l Online project extensions l Online corrections l Online judgements, etc. Till date, more than 17,850 Real Estate Project Registration Certificates have been issued and more than 16,504 Agent Registration Certificates have been issued. More than 2,615 cases have been disposed. MahaRERA was also among the first to establish adjudicating mechanism. MahaRERA established the first ever Conciliation Forum for RERA Act. Conciliation Forum is formed under section 32(g) with collaboration from CREDAI-MCHI, CREDAI Maharashtra, NAREDCO and MGP. About 210 cases have been received of which 155 have been closed.
According to a recent report, the State is undertaking a landmark project of redevelopment of BDD Chawls. What is the status on this?
“Maharashtra has also appointed Appellate tribunal and completed selection of members for Maharashtra Real Estate Appellate Tribunal.�
The State is undertaking redevelopment of Bombay Development Directorate (BDD) chawls at Worli, Naigaon and Parel. Poised to be one of the biggest re-development project in the country, the work involves rehabilitation of the existing 15,593 tenants, and generation of 8,120 additional 2BHK and 3BHK houses which will be sold by MHADA in lottery.
MahaRERA initiated online complaints against non-registered projects. Maharashtra has also appointed Appellate tribunal and completed selection of members for Maharashtra Real Estate Appellate Tribunal.
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The existing families shall benefit by moving into new homes and get access to better quality of life. Also, the region is expected to witness large scale upliftment. The contractors for all these three projects have been onboarded and evacuation of sites is in progress. This project shall serve as a model for other urban renewal projects.
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HOUSING for All Set to Become a Reality by 2022
Amrit Abhijat
Joint Secretary Pradhan Mantri Awaas Yojana, PMAY, Ministry of Housing and Urban Affairs and Mission Director, Housing For All (HFA) Government of India
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The Government has conceived a ‘Housing for all Knowledge Lab’ as a central repository of knowledge in various thematic areas like housing technologies, innovative design/typologies and housing finance, etc to share the knowledge amongst States and implementing agencies, says Amrit Abhijat, Joint Secretary, Pradhan Mantri Awaas Yojana (PMAY), Ministry of Housing and Urban Affairs and Mission Director, Housing For All (HFA), Government of India, in conversation with Harshal Desai and Arpit Gupta of Elets News Network (ENN).
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HOUSING PERSPECTIVE
How much progress has been made in PMAY–Urban project across the nation? How much work is expected to be completed by 2022 under the Mission? Pradhan Mantri Awas Yojana-Urban (PMAY(U)) was formulated to address the housing shortage in urban areas of the country with a larger goal of “Housing for All 2022”. The Ministry emphasises that under the PMAY, the occupancy is much higher compared to earlier housing schemes by the government. Till September 2019, the Ministry has sanctioned a total of 60.29 lakh houses under PMAY (U) against the demand of one crore houses in India. Now, we are not only making multistoreyed structures but also doing beneficiary led construction, which is a very important component. It is basically partnering with the family for building their dream house. The Ministry is very optimistic about achieving the vision ‘Housing for All’ by 2022.
What are your views on ‘Housing for All’ mission? Housing is one of the basic necessities. Its provisioning should be to cater to all and not according to the available budget. Actually, we do not even have fixed target for achievements. It is a dynamic mission in that sense. Anyone who seeks to get a house and is eligible, will be able to get PMAY(U) benefits. It is a mission not a scheme. Mission ‘Housing for All’. PMAY (Urban) is a national vision that we have to realise. Given the fact that there is migration and there is growth, the demand will always keep growing. The vision has to be realised in a manner that we fulfill the housing shortage. We are confident that we would be able to achieve the goal. The Ministry has conceived a ‘Global Housing Technology Challenge’, and we are inviting all the innovative technologies from across the world. We are not just inviting but asking
them to demonstrate that technology in certain areas depending on the geoclimatic regions.
Which are the States performing better than others? What are the measures undertaken by your office to make progress across the country within the stipulated time frame? States’ performance is a relative term. States of Andhra Pradesh, Maharashtra, Telangana, Madhya Pradesh are performing better in affordable housing in partnership component. Similarly, Uttar Pradesh, Tamil Nadu, Madhya
“A National Urban Housing Fund for Rs 60,000 crores has been set up to improve availability of funds for the implementation of the mission.”
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Pradesh are performing better in BLC component. It does not mean other States are not performing well, rather they are streamlining their efforts and march ahead with the vision. The Ministry has conceived a ‘Housing for all Knowledge Lab’ as a central repository of knowledge in various thematic areas like housing technologies, innovative design/typologies and housing finance, etc to share the knowledge amongst States and implementing agencies. A National Urban Housing Fund for Rs 60,000 crores have been set up to improve availability of funds for the implementation of the mission. Area Coverage under PMAY (Urban) has been increased to also include notified planning/development area/industrial development authority/special area development authority/urban development authority or any such authority resulting not only in increased coverage of the mission in terms of people benefiting, but has also opened up access to land for affordable housing. Direct Benefit Transfer (DBT) with Aadhaar linkage has been mandated to ensure that the subsidies are reaching the beneficiary account.
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We have been cautiously working not only on achieving the target but to create a positive impact on environment through simplifying the processes, making things accountable and transparent and vouching on social inclusion. A robust MIS and GIS based monitoring combined with coordination mechanism with implementing agency at State level is set to ensure the progress in stipulated time frame. Adhering to, till date 27 lakh beneficiary data have been seeded in MIS and 13 lakh houses have already been geo-tagged.
Various Region Development Agencies like CIDCO, PMRDA in Maharashtra are also taking PMAY projects. How this engagement might prove to be fruitful in States across the country? Regional authorities like Pune Metropolitan Region Development Authority (PMRDA) and City and Industrial Development Corporation (CIDCO) with land have sensitised private players to participate and contribute to the Mission by creating affordable housing stock. State authorities having land banks are envisaged for more contribution to cater the demand in their respective states. Also considering the expertise in implementation of housing projects their participation in PMAY(U) is defiantly a step closer to the vision. For state like Maharashtra, CLSS is an important component. Primary lending institutions are providing housing loans to the beneficiaries that are eligible for interest subsidy. So far, close to 2.1 lakh beneficiaries have received benefits under CLSS of which Maharashtra’s share is more than 58,000 beneficiaries.
Which are the private players or corporates that are coming forward and helping the Government of India in successfully implementing the PMAY – U and R projects? How PPP model is playing a vital role here?
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Credit fund to beneficiaries by banks and housing finance institutes in low income sector is another challenge. Though few housing finance companies and banks have performed well, it is anticipated from other HFCs and banks to provide support. To achieve the target of PMAY Mission, a policy has been formulated over which State Governments have been encouraged to frame project proposals with private partners following PPP model for affordable housing. Ministry has also formulated eight models of partnership depending upon role and responsibility, stake and feasibility and ease of operation depending upon the ownership of land.
Private players own a substantial part of land in cities though in small pieces. There are prevailing norms for providing of EWS houses in housing development project. Developers should come ahead for construction of EWS and LIG housing as per PMAY(U) guidelines. As of now, private players have been associated in implementation of more than 200 projects under the PPP model.
Please tell us about the challenges faced by State government while implementing the PMAY project. Challenges are part of any mission. States are facing few challenges such as availability of land in urban areas including issues related to availability of valid land title, validation to ensure that benefit reaches actual beneficiaries, failure of beneficiary to contribute their share, socio-economic challenge in rehabilitation and relocation and internet connectivity in remote locations for proper functioning on MIS and GIS, etc. Credit fund to beneficiaries by banks and housing finance institutes in low income sector is another challenge. Though few housing finance companies and banks have performed well, it is anticipated from other HFCs and banks to provide support.
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REGULATOR’S PERSPECTIVE
Gautam Chatterjee
Chairman, Maharashtra Real Estate Regulatory Authority (MahaRERA)
MahaRERA Using Robust Digital Platform to Help Home Buyers The Maharashtra Real Estate Regulatory Authority (MahaRERA) was constituted by the State Government for the development and regulation of the real estate sector and to safeguard the interest of the buyers. It is a matter of proud that MahaRERA, since its inception, has been delivering on the expectations of its stakeholders, says Gautam Chatterjee, Chairman, Maharashtra Real Estate Regulatory Authority (MahaRERA), in conversation with Harshal Desai of Elets News Network (ENN).
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REGULATOR’S PERSPECTIVE
How is MahaRERA resolving disputes between buyers and sellers?
INTERESTING FACT:
The Real Estate (Regulation and Development) Act, 2016 was enacted with some major objectives. The Parliament came up with this Act so that the interest of buyers can be protected. To understand the real objective of the Act, first we need to understand the challenges. Real estate is the second most important sector after agriculture which is generating employment and contributing majorly to the country’s GDP. However, the sector remained unregulated. When there are no regulations, problems like forgery and cheating, late delivery of homes, information asymmetry etc, arise. The Act is trying to achieve three main objectives:
MahaRERA Chief Chatterjee has himself written, composed and sung ‘Sabka Sathi MahaRERA song
l Bringing in complete transparency
in the system: Now every project that gets started in Maharashtra has to be registered with MahaRERA and the promoter of the project has to make disclosure about all the mandatory clauses, or clauses that he may further want to
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add. All this information is available in the public domain. l Ensuring completing uncompleted projects: All the builders working on real estate projects which do not have the occupancy or completion certificate from the Competent Authority have to register themselves with RERA. The prime objective in registering a project is to ensure the same gets completed and buyers get their homes. l Building trust between the builder and customers: There is a huge trust deficit between the builders and customers. We need to bridge that gap through discipline, accountability and conciliation forum. For this, we have created a conciliation forum where both the parties involved
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REGULATOR’S PERSPECTIVE
sit across the table and resolve their differences. Representatives of Promoter’s body and Consumer’s body act as facilitators and we have created 15 benches for that purpose in Mumbai and Pune. The success rate in this process is close to 90 percent and that is so heartening. The idea is that the matter should not linger on in the court but get resolved by reaching a mutual understanding. We have put all the MahaRERA registered projects on Google Map so that a person looking out for a home can look at all the options before making an informed choice. The credentials of the builder can also be seen in the public domain. Information like how many flats sold, the amenities that the builder is providing in a project are available for all to see. These things help a consumer to decide on a project he is interested in. Before this Act, people were dependent on word-ofmouth publicity. Now everything is available online. This transparency is a game changer. MahaRERA has tried to implement the Act in its letter and spirit and taken it forward for the well being of the customers. We have received over 4,200 complaints, out of which over 2,600 complaints have been disposed of and orders issued, which are out in the public domain on our website. Even our replies to RTIs have been posted on our website and are available in the public domain.
What are the main reasons behind MahaRERA’s success? We have complete clarity in our approach. A dedicated team of 35 people are managing more than 40,000 cases of project’s registration, agent’s registration and complaints, all put together. We have been able to do it with the robust use of our digital
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platform and our team of MahaOnline, our IT partner and KPMG, our knowledge partner. We firmly believe in promptness of service.
How have you made the most of the available Information Technology and Communication (ICT) tools to strengthen the MahaRERA platform? Which organisations are working with you? First, we had to finalise the draft rules announced by the Government by hearing the objections and suggestions to the draft rules. After going through
They not only gave us a free hand in setting up and operationalizing MahaRERA but supported us at every step. I handpicked my team which is fully dedicated. Some of them have worked with me earlier too. The support of Hon’ble Chief Minister of Maharashtra and Hon’ble Minister of Housing has been tremendous.
What challenges did you face while implementing the Act in the state? The first challenge was from the builders who challenged the Act in the High Court. The court ruled it in our favour. Another challenge has been to get the stalled projects completed. Challenges are part of any venture. We at MahaRERA are making sincere efforts to overcome the challenges in the best possible manner.
What public awareness campaigns are you running to make people aware about the MahaRERA? the process, I gave my recommendations to the Government. When I was appointed interim regulator, we had only four months before the actual implementation of this Act began. The Hon’ble CM had made it amply clear that MahaRERA should operate on a digital platform right from day one. We worked with MahaOnline which is a Government of Maharashtra and TCS Joint Venture organization. It was found to be the most suited organisation to put our whole digital strategy in place. KPMG, which was working with the Housing Department, became our knowledge partner. On the midnight of 30th April, 2017 we were able to roll out our digital initiatives.
What kind of support have you received from the State Government?
Creating awareness among the stakeholders is one of our key focus areas. Today, the total number of projects and agents registrations has reached 32,000. We helped in making the promoters realise that registration is necessary, as we would give all the information to general public which is their objective too. We held a lot of meetings with all stakeholders and attended many seminars panMaharashtra. All the information is available on the website and there is a helpdesk as well. We have set up offices in Nagpur and Pune also.
How has been the response from the developers and associations? The response has been very good, I must say. We do keep getting constructive suggestions, which we try to act on. Criticism, if any, is taken in good spirit and efforts are made to improve in the areas pointed out.
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WATER
WATER
SANITATION
WATER
SANITATION
SANITATION
HYGIENE HYGIENE
HYGIENE
MAHARERA PERSPECTIVE
MahaRERA Maintaining Transparency In Real Estate Sector Maharashtra has been at the forefront to establish the institution framework in the form of Maharashtra Real Estate Regulatory Authority (MahaRERA), well ahead of other States in the country and an online registration of projects and complaints were made available to the promoters and home buyers, says Dr Vijay Satbir Singh, Member, Maharashtra Real Estate Regulatory Authority (MahaRERA) in conversation with Harshal Desai of Elets News Network (ENN).
Dr Vijay Satbir Singh
Member, Maharashtra Real Estate Regulatory Authority (MahaRERA)
“Like Mumbai, the Pune Region is also having a large number of projects registered with MahaRERA.� 24
OCTOBER 2018
What are your views on the concept of RERA? How has it helped regulate and streamline real estate sectors within the State? Before RERA Act, 2016, the real estate sector in India has largely remained unregulated. It has introduced transparency, accountability and financial discipline in the working of this sector.
Simultaneously, it ensures timely completion of various projects by the promoters, by putting financial control on them. The promoters have to open separate designated accounts for the project in which they have to deposit 70 percent of the amount received from the allottees, which controls the promoters from releasing payment to any other project or purpose, which ultimately helps in completion of the project on time
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MAHARERA PERSPECTIVE
Why MahaRERA has been able to perform better than other States? Please elaborate. So far, 17,904 projects are registered with MahaRERA throughout Maharashtra. MahaRERA has been able to perform better than any other States in the country. Maharashtra has been in the forefront to establish the institution framework in the form of Maharashtra Real Estate Regulatory Authority (MahaRERA), well ahead of other States in the country and an online registration of projects and complaints were made available to the promoters and home buyers. All these resulted in the registration of around 17,904 real estate projects and 16,587 real estate agents, which is nearly half of the registration in the country. Undoubtedly Maharashtra has been a front runner in the country in this regard.
What was the idea behind organizing a workshop on RERA in Pune recently? Like Mumbai, the Pune Region is also having a large number of projects registered with MahaRERA. Besides, it has a state level institution known as “Yashwantrao Chavan Academy of Development Administration (YASHADA)” which is a training institute for making it convenient for the Government of India to organise workshops at Pune. The idea behind organising the workshop was to create a knowledge sharing platform where other states namely Goa, Gujarat, Uttar Pradesh, Telangana, Chhattisgarh and Karnataka could gain some knowledge of the implementation of MahaRERA in the state.
The Government has also set up Real Estate Appellate Tribunal. How do you view this move?
“The MahaRERA has also registered around 16,587 real estate agents by giving them proper MahaRERA registration numbers.”
Under section 43 of the RERA Act, the State Government has constituted Maharashtra Real Estate Appellate Tribunal headed by retired Judge of Hon’ble High Court. Besides an adhoc arrangement has been made assigning the said work to Maharashtra Revenue Tribunal, till the time the regular body starts its work.
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What are the steps taken to monitor real estate agents and real estate web portals? The MahaRERA has also registered around 16,587 real estate agents by giving them proper MahaRERA registration numbers. The real estate agents cannot function and initiate sale in the MahaRERA registered projects without getting registration certificate from MahaRERA. They can be penalised if they violate any relevant provisions of the RERA Act.
What are the challenges MahaRERA faces while functioning? The Authority aims at facilitating the growth and promotion of a healthy, transparent, efficient and competitive real estate sector while protecting the interest of allottees, promoters and real estate agents too. The completion of incomplete projects, quality controls, title Insurance, and compliance of various provisions of the RERA Act by the promoter are some of the important challenges before the Authority.
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INDUSTRY PERSPECTIVE FROM HARYANA
Haryana’s Hisar Airport to Be of Global Standards
Ashok Sangwan
Director-cum-Special Secretary, Industries & Commerce Department; Adviser, Civil Aviation, Department and Special Secretary to Government of Haryana
“It has been the mandate of the Government that enterprise related services must be delivered in a transparent manner in a timebound framework without any physical touch point. So most of the services are provided online.” 26
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The passenger terminal for phase-one of Hisar Airport, inaugurated by Haryana Chief Minister Manohar Lal Khattar last August. The State Government plans to make it an attractive international cargo hub with dedicated custom clearances, says Ashok Sangwan, Director-cum-Special Secretary, Industries & Commerce Department; Adviser, Civil Aviation, Department and Special Secretary to Government of Haryana, in conversation with Gautam Debroy of Elets News Network (ENN).
What initiatives have you taken to improve the Ease of Doing Business in the State? The Ease of Doing Business (EoDB) is a very important area in which the State Government has worked in association with the industry and other stakeholders. The State has already been ranked as No. 1 in North India in terms of EoDB ranking. This ranking was released by the Government of India, Department of
Industry Policy and Promotion and World Bank together. In the nationwide ranking, we stand at No. 3 after Andhra Pradesh and Telangana. This has been possible only because of concerted efforts which have been made by all the departments in collaboration with the industries. We have created an institutional mechanism through enactment of a legislation called the Haryana
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INDUSTRY PERSPECTIVE FROM HARYANA
Enterprise Promotional Act, 2016. Under this Act, special provisions have been made to resolve the issue of industries, especially when they are trying for clearances. In addition to industries, we are also welcoming enterprises who want to start their business. Haryana Enterprises Promotion Centre (HEPC) - a unique Single Roof Clearance System for the benefit of the new units or units under expansion has also been created. Under this department, a single roof structure has been set up, where more than 70 services are provided to any enterprise which requires clearances from any Government department. It has been the mandate of the
Government. Can you brief us about Haryana’s plan for setting up an international airport in Hisar?
crossing the country and need refueling would find it cheaper and faster to use Hisar Airport.
The State government has decided to set up an integrated aviation hub in Hisar in an area of 4,200 acres. The proposal is with the Civil Aviation Department and we want to create a hub comprising of an international airport, cargo, Maintenance Repair and Overall (MRO) services of larger aircrafts and all the other facilities that an international hub normally has. It will also include aerospace and defence manufacturing facilities and a proposal for an aviation university is also there. If approved, this hub would be developed in three phases. In phase one, we are going to start operations
We have already done the meetings with the Ministry of Road and Transport as well as the Ministry of Railways to have high speed connectivity between Hisar and Delhi. This will provide connectivity to the Hisar Airport especially with Delhi. It will make an attractive international cargo hub with dedicated custom clearances. So in the coming years, Hisar is going to have a huge potential to develop as an international aviation hub for which the State government has already dedicated Rs 120 crores this year itself.
Haryana Chief Minister Manohar Lal Khattar felicitating Union Minister Piyush Goyal
Government that enterprise related services must be delivered in a transparent manner in a time-bound framework without any physical touch point. So most of the services are provided online.
under Udaan Scheme of the Government of India. The passenger terminal for phase one was inaugurated by Haryana Chief Minister Manohar Lal Khattar on 15th August 2018.
Infact, all applications are being received online. We are also providing deemed approval to companies. It is a concept which has been incorporated in the Act and the Rules and till now we have issued more than 50 such approvals. After 45 days of applying for a clearance, if the file is not selected or rejected then automatically the company will get deemed approval.
For Phase II, we are planning to expand the runway and three big hangers which can accommodate Boeing 737 and Airbus A320s. These hangers and these parking spaces in front of the hangers will be completed in about four months. Here we plan to target the MRO traffic and the parking of such aircrafts which cannot be accomodated at Delhi Airport due to heavy traffic. All the Non Scheduled Operator Permit holders and the aircraft which are
You’re also holding the portfolio of Civil Aviation in the State
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Whenever there is such a huge project that the State Government undertakes, the major consern that comes to mind is for the land acquisition. Do you have any such problems and challenges while implementing these projects? The State is very fortunate that we got 4,200 acres of land in the beginning of this project. The Civil Aviation department has aggregated that piece of land. Soon, all the other facilities will start falling in place. There are no major issues which would hamper the rolling out of this plan.
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GURUGRAM PERSPECTIVE
Gurugram: En Route to Become a Global City In a bid to promote clean fuel, the Municipal Corporation of Gurugram (MCG) is planning to add more than 100 electric buses to the public transport system. The Haryana Government is also motivating bureaucrats to use electric cars, says Yashpal Yadav, Commissioner, MCG, in conversation with Gautam Debroy of Elets News Network (ENN).
Yashpal Yadav
Commissioner Municipal Corporation of Gurugram (MCG)
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Gurugram was at the 105th position in the latest Swachh Sarvekshan. What initiatives are you taking to improve this rank? Compared to last year, we have improved our rank in the survey and are continually working hard to improve it further. For us, ranking does not hold much importance and
we strive hard to provide best facilities to our citizens. We want our citizens to feel satisfied with the given facilities. We also seek to make our city better with improved infrastructure. We are putting in our best efforts to improve four basic facilities: drinking water, electricity, sewage, and roads.
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GURUGRAM PERSPECTIVE
What methods have you applied to improve waste management in the city? We are already an Open Defecation Free (ODF) city. Now we are going for the ODF++ ranking. We are creating more public and community toilets and are doing awareness campaigns to motivate people to use them. One of the key components to keep the city clean is solid waste management. We are trying to provide the door-to-door garbage collection facility and are also encouraging the composting of wet garbage. Waste from construction and demolition activities is also a big problem in our city. We have already started making facility to process the same. We are also looking for options to set up a mobile CNG waste plant where we can take the plant to the garbage dump itself. We want to recycle the entire waste and reuse it.
“City bus services have already been launched and new buses are being added every month. In the coming months, we will be able to cater to the entire city and it will be a milestone as far as public transport is concerned.�
What steps have you taken to improve the security of citizens in the city? We recently organised a seminar and reconstituted a committee to look into this aspect. Complaints can be lodged with the committee which will take appropriate action against the accused.
What other steps have you taken to enhance the security of the city? We are working in close cooperation with the Haryana Police. Whatever support Haryana Police requires, we are providing them. Recently, they requested vehicles from the Corporation so that they can strengthen their presence in the city. We have made a proposal to provide 50 vehicles to them. These vehicles will
What role can private players play to make the city clean? If every individual starts listening to what Prime Minister Narendra Modi is saying on cleanliness, the city would automatically become clean. We need support and cooperation of every citizen of the country. If we imbibe a habit of not throwing the garbage carelessly, then the city would easily become clean. Citizens are coming forward and companies are providing help under various initiatives under their Corporate Social Responsibility (CSR) initiatives and helping us in capacity building.
Transportation is a major issue in Gurugram. What initiatives have been taken to improve this situation? City bus services have already been launched and new buses are being added every month. In the coming months, we will be able to cater to the entire city and it will be a milestone as
far as public transport is concerned. The Government has already rolled out a plan to expand the Metro. There is a proposal to introduce taxi services in the city.
also help them in doing night patrolling.
Are you planning to incorporate electric vehicles in your public transport fleet as well?
There are two major challenges. The first one is proper disposal of solid waste and the second one is providing citizens basic services and their upkeep. We are planning a long term solution which will solve the waste problem. We are already developing a plant to take care of waste in the city.
More than 100 electric buses will be added to the public transport system. The Government is also motivating bureaucrats to use electric cars.
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What challenges do you face as a Commissioner?
OCTOBER 2018
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ARGENTINA PERSPECTIVE
India, Argentina Developing Centre of Excellence Jointly India is helping Argentina to develop a Centre of Excellence for IT in Argentina to enhance skills of IT engineers. It will be helpful to Indian companies as well as Argentine engineers, says Daniel Chuburu, Ambassador of Argentine Republic to India, in an exclusive interview to Priyanka Sharma of Elets News Network (ENN).
Daniel Chuburu
Ambassador of Argentine Republic to India
India and Argentina are working closely in many fields. Tell us about the future and scope of the bilateral relationship between the two countries. India and Argentina are going to celebrate 70th anniversary of their bilateral relationship next year. In all these years, we have worked on a number of projects together. We are increasingly strengthening our relations every year. We are also trying to collaborate in areas where we have not worked yet and looking forward to
boost our relationship with India in every sphere. We want to expand the horizon of the relations between the two countries so that it becomes much more strategic in nature than it is today.
Can you elaborate on the joint projects undertaken by the both the countries? India and Argentina are jointly developing a Centre of Excellence in the field of Information and Communications Technology. The
The Palace of the Argentine National Congress, seat of the National Congress composed of the Senate and the Chamber of Deputies.
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ARGENTINA PERSPECTIVE
The Iguazu Falls, in Misiones Province, it is one of the New7Wonders of Nature
proposal for the project, which was initiated by the Government of India, envisages creating skilled IT engineers in Argentina. The project will help Indian companies who want to employ skilled Argentine engineers in South America and also Argentina by developing skilled human resource who can in turn train more people.
What do you think of the ‘Digital India’ programme of the Government of India? India has made a lot of progress in this field. We draw a lot of lessons from India’s know-how in the field of IT,
especially in business exchanges between Argentine and Indian companies. We have a lot of learn from India. We want close cooperation with India in the development of various IT skills in Argentina.
What role is Argentine Government playing in transforming India’s urban landscape through Smart Cities project? We want to participate in Smart Cities Mission by helping India through various means. Recently, we participated in a Smart Cities seminar in Jaipur.
“We have to develop an understanding about our culture and tourism sector among Indians. For this, a lot of awareness and promotion has to be done from our side. We have to put a lot of efforts in this field.” How is Argentina planning to promote its tourism in India. We have to develop an understanding about our culture and tourism sector among Indians. For this, a lot of awareness and promotion has to be done from our side. We have to put a lot of efforts in this field. Direct connectivity was a problem between the two countries 20 years ago. But it is not a problem anymore. We are separated by thousands of miles and it cannot be changed. However, around 6-7 companies are now acting as a bridge between New Delhi and Bueno Aires. Now there are just one-stop flights between the two countries.
How is Argentina supporting Indian companies in expanding their businesses there? We offer a lot of incentives in term of fiscal policy and tax exemption for the companies looking to invest in our country.
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OCTOBER 2018
31
MALAYSIA PERSPECTIVE
Mohammad Iqbal Mohammad Noor
Minister Economic Affairs Embassy of Malaysia to India
Historically, India and Malaysia have been close partners in many fields. How do you see the two countries collaborating in the development of MSME sector?
‘Malaysia Keen To Have India’s E-Commerce Model’ The rapid pace of digitisation is something which we need to learn from India. E-commerce is flourishing in India and we want to replicate the same model in Malaysia, says Mohammad Iqbal Mohammad Noor, Minister, Economic Affairs, Embassy of Malaysia to India, in conversation with Priyanka Sharma of Elets News Network (ENN).
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We have a rich history of collaboration in the fields of education, culture and economy. The development of Small and Medium Enterprises (SMEs) is very important for any economy in the world and for that, sharing knowledge, experiences and exploring possibilities of collaboration between our two countries is of immense importance.
India is moving towards digitisation at a rapid pace. What are the takeaways for Malaysia in this regard? We envy India in this sector. The rapid pace of digitisation is something which we need to learn from India. E-commerce is flourishing in India and now we are talking about Industrialisation 4.0, which is moving away from the conventional way of doing business. We want to know and learn from the e-commerce model
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MALAYSIA PERSPECTIVE
being adopted in India. For the growth of economy, we need to move towards digitisation and India is very good at that. A lot of businesses and people in Malaysia would like to learn the nitty-gritty of digitalisation from India.
Like in India, a number of Smart Cities are being developed in Malaysia too. How do you view the two countries collaborating in this sector? A city is smart when the infrastructure is good, for example urban mobility, etc. A lot of Malaysian companies have earned good reputation in building robust infrastructure for Smart Cities. As India continues to work in transforming its urban areas, many Malaysian companies are looking forward to working in this sector. They have been participating in the bidding process of various projects in Indian states. India can greatly benefit from Malaysian companies in this sector and this could be one of our biggest contributions towards the development of India.
Do you offer any special scheme
“More than five lakh Indians visit Malaysia every year and a majority of them are honeymooners. We are working very hard to increase the number of Indian visitors to Malaysia.� for Indian companies who want to work in Malaysia? A lot of Indian companies are already working in Malaysia. We invite Indian companies to help us develop railway tracks in Malaysia. We get good investments from India in the pharmaceuticals sector, especially in the area of vaccine production. Some IT companies like Tech Mahindra are
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already working there. However, we want more Indian companies to work for us in Malaysia, especially in the field of IT. A lot of incentives are offered to IT companies, for instance 70-100 percent tax exemption. In certain aspects, we do have customised incentives for such companies.
A huge number of Indian tourists visit Malaysia. What steps are you taking to enhance the tourism experience for Indians? More than five lakh Indians visit Malaysia every year and a majority of them are honeymooners. We are working very hard to increase the number of Indian visitors to Malaysia. We have to open offices in Delhi, Mumbai and Chennai owing to a large number of visa applicants. Recently, the number of flights between Delhi and Kuala Lumpur has been increased. We will continue to work hard with the Indian agents to expand tourism.
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INDUSTRY PERSPECTIVE
PODDAR GROUP
Providing Affordable, High Quality Homes Rohit Poddar
Managing Director Poddar Housing and Development Limited
Your family is into business since 1690, isn’t it? Will you please brief us on this further? The family originally was traders in Churu, in Sikar, Shekhawati, Rajasthan, with the surname Churuwal. They were very successful and had a thriving trading business, especially in woolen products, amongst others. History has it that Churu went into decline and the erstwhile Thakur decided to impose additional high taxes on goods, which the Churuwals found very unfair, consequently went to the Raja of Sikar and got his permission to found their own town - Ramgarh in 1791. The Raja changed their surname to Poddar because they were financing the King. The First Poddar was Bhagothi Ram Poddar who founded Ramgarh, which was subsequently called ‘Seth ka Ramgarh’. The family went on to form Tarachand Ghanshyamdas (Tarachand and Ghanshyamdas, were decedents of Bhagothi Ram) and the firm went on to become a very large and prominent firm for over 150 years with multiple business including oil distribution, Hundi’s, insurance, manufacturing etc
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We launched our first project in 2010, and since then we are committed to the affordable sector. Our aim is to create happy communities along with an excellent physical structures and great amenities, says Rohit Poddar, Managing Director, Poddar Housing and Development Limited, in conversation with Rakesh Roy of Elets News Network (ENN).
with offices across the subcontinent and international operations in Hong Kong and Shanghai, all at the time when telecommunication was a serious challenge. Harvard professors have written about this famous firm. The family then went into textiles, automobile tyre manufacturing, education, healthcare and finally real estate.
When did Poddar family think of entering into housing?
Well, the family has done construction in the past, on what was deemed as excess land. However, we looked at affordable housing very seriously when the affordable housing market report by the National Housing Bank (NHB) and the Monitor Group was published in 2007, which clearly showed the large supply gap. Based on our analysis, affordable housing was more of a manufacturing business and this gave us confidence given our long background in
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INDUSTRY PERSPECTIVE
manufacturing. Additionally, along came 2008-2009 and it became very clear about the role of business in society and the ingredients of what would be needed to be a great brand for the future. We launched our first project in 2010, and have been extremely committed to the affordable sector since.
Your campaign as we see very aggressively highlighting the difference between House and Home. We read somewhere it says “Call Us for Home & Call Other For House.” Kindly throw more light on it? “Home” is where the heart is, isn’t it? A house is a physical structure, which most people and companies build. However, creating a home is not easy. A very important goal for us it to create happy communities along with an excellent physical structures and great amenities, hence we build sustainable developments with a lot of greenery, schools, hospitals, amenities and other infrastructure that allow community to engage with each other peacefully, and the development becomes an emotion called a home. We try and be a partner to our customers right through the process including post possession.
How do you view the Affordable Housing Sector, especially in Maharashtra under PMAY? How has the sector evolved in terms of infrastructure? The sector now has infrastructure status, which unfortunately has not been operationalised practically by the Government. However, the PMAY scheme has transformed the sector. It is a very practical scheme and hence has created a huge stock of approved projects already and going by what the Government has to say, it will not only meet targets, but exceed them, in
advance of the targeted date. The developers now have to deliver on constructing the houses, which I believe will happen.
As per your view, how conductive are the rules and regulation, taxes regime, etc in Maharashtra for the real estate sector to push affordable housing? How have RERA and GST impacted the sector in terms of safeguarding both the sector and consumers? MAHARERA is unquestionably a resounding success. We have the best officers in the Country running it and framing and evolving its policies, and rightly so. It’s a new policy and practical issues are faced everyday, not all of which can be thought of in advance and hence continuous but sensible tweaking of the policy is required. MAHARERA is going a long way in bridging the customer- developer, trust deficit, and I believe over a period of time, with the correct implementation and holding all stakeholders equally accountable, will transform the Industry even further. One obvious missing stakeholder is the competing authority that gives regulatory clearances, which either should directly be a part of RERA or there should be an enforceable Right to services act. GST is great for the medium to long term, and as expected, there are short term pains. In my opinion, there are too many GST slabs which will hopefully get rationalized in the foreseeable future. As you know MHADA is the nodal agency for the PMAY scheme in Maharashtra. It’s new for them and I do foresee many teething problems in managing such a volume of projects. Hopefully the delays will be streamlined with processes and IT.
Do you have plans of doing
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Joint Campaign for Affordable Home and PMAY scheme with Government bodies and various ministries? Well ideally, Joint marketing should be the way forward, but I am not sure how this will be operationalised successfully. The Government should be first open to this concept.
According to you, how can data sharing and statistic by Government benefit in better planning and fast delivery in the direction of affordable housing? Data is the key to understand customer demographics and hence should be the basis of master planning, product design and higher liveability. Whether the data can be shared or not, is another matter.
Recently we read that you brought biggest land parcel in Chakan and applied to SEBI for the same. Are you in a position to tell us about the same? We bought the land parcel in Mahalunge in Chakan to develop a township and has applied for PMAY. The project is expected to start in the early January 2019.
How do you see the ‘Affordable Housing Summit’ being organised on 8 October in Mumbai in terms of strengthening the ‘Housing for All’ mission? I believe, the Affordable Housing Summit is a very important initiative in terms of knowledge sharing and discussion towards the success of PMAY -U. The summit will be witnessing all the stakeholders of Affordable Housing under one roof and will find the practical solutions to issues pertaining to the whole gamut of Affordable Housing. The summit is indeed more important as it will discuss success stories and best practices of PMAY, not only of Maharashtra but across India.
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Baviskar Group Committed To Provide Affordable Homes
Prakash Baviskar
Chairman & Managing Director, Baviskar Group
Keeping in view the demand for affordable housing, Baviskar Group launched its debut project named Shankarsheela complex. All the flats were sold to Navi Mumbai Municipal Corporation (NMMC) staff at a very affordable cost, says Prakash Baviskar, Founder, Baviskar Group of Companies, in conversation with Harshal Desai of Elets News Network (ENN). Please brief us about Baviskar Group of Companies? How has your esteemed organisation grown over the last 10 years? M/s Bhawani Vikasak (India) Private Limited being a part of Baviskar Group, incorporated on March 22, 2000 , by its Chairman and Managing Director, is today one of the fastest growing construction companies. The company is one of the top two selected for CREDAI AWARDS and CNBC AWARD for Corporate Social Responsibility and
Category Affordable Housing in Metro Cities across India. Added to this is the company’s compelling motive of being a socially responsible enterprise since its commencement. Our Mission is to leave no stone unturned to fulfil the dreams of the common man, enriching their life. We have done a thorough market study and tried to balance the demand & supply ratio which enabled us to produce targeted affordable housing efficiently. Currently we have obtained CC for a project of almost 200 affordable flats at Vasind, Thane. Also, an integrated township Project approved by the Government of Maharashtra, is one of our colossal projects in pipeline. This project targets more than 10,000 homes, out of which almost 80 percent units are absolutely under PMAY affordable slab.BGC started its journey with a noble cause & is holding firm its passion to shelter India affordably, and is now heading towards higher targets.
What are your views on Pradhan Mantri Awas Yojana (PMAY) – Urban? How will this scheme benefit the urban poor? In a city like Mumbai, various factors including land cost adds to the hiked costs of the housing units, thus owning a shelter in an urban setup remains a
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far-fetched dream for many & PMAY will definitely prove to be of greater benefits to urban poor, if executed efficiently. The housing demand registered to draft an outline for the requirement statistics in housing sector, is one of a noble idea aptly implemented by the governing authorities, thus sufficing the demand & preventing unwanted construction in the sector. This idea of registering the housing demand was put forth by our organisation & I was truly thankful to the Central Government for appointing me as a member of monitoring & sanctioning committee over the Maharashtra state.
What are the challenges you see while implementing the PMAY–U across the States? The major challenge in implementing the PMAY is land use zoning. There is a R zone reserved for the land where the land owners are not interested or in a position to do development in near future and on the contrary Green zone is marked where people are ready for development and all positive infrastructure is available. A sensitive approach towards fabrication of zoning patterns will hike the success graph of PMAY scheme.
What are the policy changes required? Which are the elements which need to be focused on to ensure successful execution of PMAY–U? Approval process should be fast. Speedy approvals will be the gamechanger for returns on land, as every six month delay of the project increases the project cost by 5 percent in lagging interests, increasing market cost etc. As mentioned earlier the major problem
is of land use zoning which needs to be resolved. So, an independent committee should be formed which exclusively look after this will issue of Land use Zoning & Zone changing approvals at Taluka & District levels too. Various charges for the permissions are humongous, sometimes the charges are more than the land cost. So it should be reduced somewhere which will directly lower down the cost of housing and thus PMAY Urban can be implemented successfully. Approval /State /Local Authorities responsible for project sanctions should also be brought under RERA operations, for humble sharing of delay credits of any proposed project. The period of execution of infrastructure connect to the projects, displaying higher scopes & interest of developing affordable units under PMAY, should be acted on high priority, thus preventing greater losses to the current & future economy. Valuation of land is nowhere realistic today & so the Government should produce an authentic and realistic land valuation to achieve an actual land value. This may lead to the hiked flats cost, & thus to reduce it, the stamp duty rates & the related charges & taxes need to be brought down. This concept will not affect or reduce the revenue generation of the Government.
Do you think that the developers need to be given some other incentives to increase their participation? Certainly Developers should be given incentives in form of lower permission cost and faster development permissions. In case if the permission is getting denied then all the issues should be informed to the developers in one single letter and once the queries are solved or the requirement is fulfilled by developer then no further delay should
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be there in granting permission. Speeding up the approval procedures & cutting down of Stamp duty & various development charges & taxes may boost the developers to perform better in the sector. Permissions for respective development of Tribal, forest & government lands as per pre-decided policies should be brought down to Tahasildar Level for better access to commoners.
Will you like to share any other information with our readers? Affordable housing is in very high demand and PMAY is a very good initiative by our Government providing it gets executed successfully. BGC is in coordination with Government and have sent various communications mentioning the problems which are being faced by developers / land owners at the ground level. Thus, we conclude with some highlighters as follows, which will definitely enhance the development sector to next level: • Speedy approvals • On priority execution of trunk infrastructure to the proposal sites of PMAY & greater scale Integrated township projects. • Bringing development procedures of tribal lands, government land to lower better accessible levels, as to Tahsildar level. • Proposing large parcels of land (of almost 40 Ha or more) as Town planning schemes contributing towards the affordability motto of PMAY. As well as promote the developers with clear titles of such large stretch of lands, towards the noble purpose of elevating the housing sector efficiently. • Forming a dedicated cell for Township projects at Director of Town planning levels, in view of development permissions.
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Muthoot Helping Citizens Realise Their Dreams Ramratthinam S
Chief Executive Officer Muthoot Homefin (India) Limited
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Transparency in our dealings, customer centric approach and a highly passionate and dedicated team of employees been our core strength, says Ramratthinam S, Chief Executive Officer, Muthoot Homefin (India) Limited, in conversation with Harshal Desai of Elets News Network (ENN).
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Please brief us on Muthoot Homefin operations. How has the organisation grown since its inception? Muthoot Homefin (India) Limited, a registered Housing Finance Company with National Housing Bank is a 100 percent subsidiary of India’s largest Gold Loan Company Muthoot Finance Limited. Muthoot Homefin (India) Limited is a Housing Finance company focusing on the affordable housing segment to fulfil the aspirations of Economically Weaker Section and Low and Middle Income families by opening the doors of formal housing finance to them. The organisation has grown in leaps and bounds since its inception and is one of the fastest growing affordable housing finance company in the country. The company began its lending operations in May, 2015 in Kerala and since then it has expanded its business operations to the States of Maharashtra, Gujarat, Madhya Pradesh, Rajasthan, Karnataka, Andhra Pradesh, Telengana, Uttar Pradesh, Punjab and Haryana. The company operates out of 76 locations spread across these 11 states.
How has been the performance of the organisation in last fiscal year? The Company’s loan book outstanding stood at Rs 1,465 crores as on March 31, 2018 with 15,908 customers being serviced for home loans. The Company reported a Net profit of Rs 27.80 crores for the period ended March 31,2018. The growth in FY 17-18 was over 233% as compared to FY 16-17.
What are the elements that differentiate Muthoot Homefin from its competitors? What has been the core of your strength?
company Muthoot Finance Limited helps the housing finance business to reach out to customers in tier 3 and tier 4 locations with last-mile connectivity. Transparency in our dealings, customer centric approach and a highly passionate and dedicated team of employees have been our core strengths.
“We aim to be a Rs 15,000 crores AUM Company in five years from now. We would expand our business operations in a phased manner and would cover the entire country in these next five years.”
The distribution network of our parent
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How Pradhan Mantri Awas Yojana (PMAY) – Urban and Rural has impacted your business prospects? Launched on 2015, PMAY aims to construct 20 million houses by 2022 with a focus on EWS and LIG in the Urban areas. The scheme has helped in the company increase its home loan disbursements.
Which are the other sectors you are focusing? Currently we are focusing on the affordable home buyers and builders. We plan to expand our product suite by offering loan against property and construction finance to builders in the coming years.
What are your plans for growth in next five years? Which part of the county you plan to expand your operations? We aim to be a Rs 15,000 crores AUM Company in five years from now. We would expand our business operations in a phased manner and would cover the entire country in these next five years. We would be present in over 250 odd locations in the next five years.
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URBON DEVELOPMENT SUMMIT
GHAZIABAD'S RAPID GROWTH PONDERED AT ELETS URBAN DEVELOPMENT SUMMIT To discuss the vision, rapid urban growth and development of Ghaziabad, the Ghaziabad Municipal Corporation (GMC) in association with Elets Technomedia Pvt Limited organised the National Urban Development Summit, Ghaziabad. The event, held on June 21, 2018 was inaugurated by Suresh Kumar Khanna, Minister of Urban Development and Parliamentary Affairs, Government of Uttar Pradesh. There were detailed discussions on Swachh Bharat Mission, Challenges and opportunities for city’s urban growth; Smart Education changing Urban Landscape etc. This was the second Urban Development Summit organised by Elets. Speaking on the ocassion, the minister stressed upon the need to educate families, especially children, about the significance of maintaining cleanliness. He said it is possible to imitate Japan like feat with a collective sense of responsibility. V K Jindal, Joint Secretary (SBM), Ministry of Housing & Urban Affairs, Government of India presented the keynote address at the summit. From Ghaziabad Municipal Corporation Chandra Prakash Singh, Commissioner; Asha Sharma, Mayor showcased the developmental projects undertaken in this NCR city. From across the country, Rahul Jain, Director, Town & Country Planning, Government of Madhya Pradesh; Golak Kumar Simli, Chief of Technology, Passport Seva, Ministry of External Affairs, Government of India; Jagmohan, Chief Operating Officer, Shreetron India Limited, Department of IT & Electronics, Government of Uttar Pradesh; Sachin Gaur, Project Coordinator, India EU Cooperation on ICT Related Standardisation, Policy & Legislation; Pratap Singh Bhadauria, Commissioner, Jhansi Municipal Corporation; Dr Rohit Bansal, Independent Director, Agra Smart City Limited participated in key CONFERENCE discussion areas around urban development in the country. REPORT
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URBON DEVELOPMENT SUMMIT
Launch of eGov Magazine by State Urban Development Minister Suresh Kumar Khanna along with other dignitaries.
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URBON DEVELOPMENT SUMMIT
It is a matter of pride that Ghaziabad achieved such a high ranking and bagged the award for India’s Fastest Movers City in Swachh Survekshan ranking. We need support of people to achieve the target of complete cleanliness in Uttar Pradesh. I urge people to educate their children about the need for cleanliness. Japan became a clean country in 20 years. We have achieved and moved forward in just four years. We can achieve the same status as Japan soon if people participate in this drive.
SURESH KUMAR KHANNA
Minister of Urban Development and Parliamentary Affairs, Government of Uttar Pradesh
Due to the constant urban development in the State, our infrastructure also needs to be developed at the same pace. The people of Uttar Pradesh, especially Ghaziabad, made an effort to realise the dream of ‘Swachh Bharat’ of Prime Minister Narendra Modi. Ghaziabad has been declared the fastest moving city in cleanliness in the entire country which in itself is a big achievement. We have been declared Open Defecation Free due to the efforts of every Corporation employee. Pink Toilets is another initiative of the Ghaziabad Corporation.
ASHA SHARMA
Mayor, Ghaziabad Municipal Corporation, Government of Uttar Pradesh
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Inaugural Session
The dedicated team of Ghaziabad administration took it on themselves to clean the city and improve the rankings. As a result, the city which was ranked 391st in the previous year Swachh Sarvekshan has now managed to grab the 36th spot. The citizens also participated in this drive on a big scale. We managed to collect 3,000 metric tonne of garbage in just 24 hours. It is an ongoing process and we seek help of the citizens as well.
CHANDRA PRAKASH SINGH
Commissioner, Ghaziabad Municipal Corporation
Central Electronics Limited created the first solar cell of India in 1978. We also established the first solar plant of the country in 1992 in UP. Of our many initiatives, we have created a solar shelter at Sahibabad Railway Station. We have created solar bus shelters for NDMC, solar trees, solar rickshaws have also been created. In our own campus, we have installed, 1,300 KV solar plant. It accounts for over 50 percent of our energy consumption.
DR NALIN SHINGHAL
Chairman & Managing Director, Central Electronics Limited
Special Address
Light contributes to make a city safe, livable and creating iconic spaces for the city. Connected lighting informs the authorities that there is a failure. Due to enough lighting in the night, we feel safe. LED lights have benefit of digital controls for open spaces. It has colour changing solutions which can enhance them. It also offers design freedom to the city.
V K JINDAL
VIVEK JAIN
General Manager - Marketing, South Asia, Philips
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More than 38 lakh citizens have provided us the feedback through Swachhta app. More than three lakh complaints were filed through facebook and twitter. There is a lot of competitiveness among the cities and even the lowest rank cities can improve their rankings through persistent efforts. More than 3,000 cities have been declared Open Defecation Free.
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URBON DEVELOPMENT SUMMIT
Leveraging Technology for Urban Transformation
We are growing exponentially in terms of devices. These devices will make a connected environment and this in turn will evolve a society that will work as a working lab. We should also look towards the imbalance we are creating. To provide digital passport services to rural masses, we have encompassed Common Service Centres (CSC). The CSC charge only Rs 100 as servicing fee.
GOLOK KUMAR SIMLI
Chief of Technology, Passport Seva, Government Of India
To be a developed economy, India needs to build standards. We are already working in the space of IoT services. The European project of Horizon 2020 is also working with the Department of Science and Technology, Government of India under which funding of Rs 1 crore is given to selected participants. Around 6,000 projects will be launched under this scheme with a lot will focus on Smart Cities.
SACHIN GAUR
Project Coordinator, India EU Cooperation
Smart Education Changing Urban Landscape
We are taking the students to villages to show them the importance of rural India. We undertook a lot of projects under Swachh Bharat Swachh Vidyalaya project. We had organised a lot of street plays in the villages.The same plays were organised in Ghaziabad also. We won the Green award from CBSE also. Not even a single drop of water is wasted in our school because we recycle it.
DR KARUN KUMAR GAUR
Director, JKG International School, Vijay Nagar, Ghaziabad
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Smart Citizens can be made through Smart Schools. A Clean Heart Campaign should also be run in the schools. We need to change the mindset and perception of people.Technology is an important tool but who is using it is equally important. We organise video conferencing to UK, US, Australian schools and student exchange programme is also held.
GAURAV BEDI
Principal, Gurukul The School, Ghaziabad
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URBON DEVELOPMENT SUMMIT
Leveraging AMRUT, Ensuring Overall Urban Transformation
Segregation of waste is the main component of Solid Waste Management. If we do it effectively, we can maintain waste-to-energy and composting successfully. If the efforts of the Corporation for beautification are visible to citizens, then it will be successful. Recycling the waste can get the best solutions. The sweeping of commercial and residential areas should be done during the night time.
Over the past 45 years, Sulabh International has constructed 15 lakh two-pit toilets. In 2003, a UN body has declared that Sulabh is using the best technology available for Latin American, African and Asian countries. It is culturally acceptable, user friendly, low cost option available. Our founder has developed the bio-digestible public toilet which converts the human waste into methane gas.
SHAMIT CHATTERJEE
ARUN KUMAR MISHRA
Ex-President, Sulabh International
Nodal Officer, Ghaziabad Municipal Corporation
We have given majority of sewerage connections. Authorised water connections have also been given. Agra Municipal Corporation is following a double entry system. Local people consider these things as being imposed. They are not ready to accept the changes. Public participation is necessary for the success of any event.
DR ROHIT BANSAL
Independent Director, Agra Smart City Limited
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URBON DEVELOPMENT SUMMIT
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URBON DEVELOPMENT GLIMPSES OFSUMMIT THE EXPO
Suresh Kumar Khanna, Minister of Urban Development and Parliamentary Affairs, Government of Uttar Pradesh interacting with the media during the event
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RNI No - UPENG/2008/25234 / UP/GBD - 71/2018/2020
There are two forms of Energy on this Earth, viz, Satya (i.e, Truth, Dharm) and Astaya (I.e, Wrong, Adharm ). Or in other words ,God & Devil, Positive Energy & Negative Energy, etc. Everything negative requires a positive energy behind it, whereas the Truth manifests in true form only and does not require any support from false matters. That’s why Truth is the everpervading power on Earth. Though it is a difficult task to prove Truth, it is easier to prove what is false. Asatya may try to prove itself as Satya, but it never ever is successful. In the end, Satya is the only winner. Our business is based on this ever-pervading power of Satya , and your belief in us will help us offer you a better tomorrow. Mr. Prakash Baviskar Chairman & Managing Director, Baviskar Group
Baviskar Group 410/411, Hilton Center, Plot No: 66, Sec No: 11, CBD Belapur, Navi Mumbai, Maharashtra, 400614, India Phone: 022 4013 5757, 4123 7071 Website: www.baviskargroup.com Email Address: contactus@ baviskargroup.com; md@baviskargroup.com