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The HUDCO was established in 1970 as a sectoral institution for comprehensively dealing with the problems of growing housing shortages, rising number of slums and for fulfilling the pressing needs of the economically weaker sections.


Potential Schemes for NGOs



The Government of India and HUDCO have introduced a scheme of providing Night Shelters for pavement dwellers and thereby improving the living conditions of the pavement dwellers.


Components :

> Community night shelters with community toilets and baths which could be used as Health care centre, training centres, adult education centres during day time…

> Community Pay and Use toilets/baths for homeless.


Implementing agency:

> NGOs, CBOs, Charitable institutions, Municipal bodies, local bodies, PSUs etc.



> Central Subsidy : 50% of construction cost with ceiling of Rs. 2000 per bed and the balance to be mart by either by loan or state share.

> Land to be provided by the State.

> No ceiling on loan component.



Objectives : to provide shelter & upgrade the existing shelter for BPL families in urban slums.

Subsidy : 50% of unit cost.

Target Group : All Slum dwellers in urban areas who do not posses adequate shelter. Cities where population of the urban poor is high in slums (to be given by states)


Reservation :

> SC/ST 5 0%, BC 3 0% Preference 3 5 metro cities (having population> I million)

> Preference to women headed household.

Identification of Beneficiaries : Identification of BPL beneficiaries will be on the basis of the baseline studies already conduct under SJSRY.


Allotment of House:

> In the name of the female member of the household or in joint name.

> Land provided by state Govt. either in situ, party in situ or by relocation.

> Title of lane (will be in the name of selected beneficiary (preferably women))

> Till the repayment of loan, land will be mortgaged to Govt./implementing agency.


Upper financial limit – Max. Rs. 40000/- including sanitary latrine.

Minimum plinth area – 15 sqm.


Funding Pattern

> GOI will release subsidy on a I: I basis with loan.

> ROI – will be of EWS (latest interest rates of EWS will be applicable).

> HUDCO will release subsidy and the loan to SUDAIDUDA or identified agency… HUDCO will release its grant components only after the state share of 50% is deposited in the account of identified agencies.

> No provision is made for land acquisition.


Involvement of beneficiaries

> The beneficiaries should be involved in the construction of the house, No contract will be involved.

> Appropriate construction technology & local material should be used. Hudeo will not release any loan/grant unless such technologies are used.

> Plinth area of the new house should not be less than 15 sqm. Implementing would be dovetailed with SJSRY and NSDP

> V AMBAY Projects will be sanctioned only in approved layout with assured infrastructure facilities. Drinking water supply should be ensured.

> Implementing agencies should have a complete inventory of houses constructed/ upgraded. The monitoring of the programme will be the responsibility of State Level Co-ordinating Committtee (SLCC).

> Transparency in the implementation of VAMBA Y at various levels.




Target Group:

> All BPL slum dwellers in urban areas who do not posses adequate sanitation facilities. Scheme normally conceived as part of VAMBAY.



> Rs. 14000 per toilet seat.

> Balance amount could be HUDCO loan or supplemented by local authorities, community contribution, assistance from NGOs.

> Funds available from SJSRY under Wage-employment programme, NSDP funds could be utilised under this scheme.


Community toilet:

> Average cost per seat is Rs. 40,000/- and retrofitting costs Rs. 15000-20000.

> A 10 seater toilet block will require 40-50 sqm costing Rs. 4 Lakhs.



The Backward District Initiative under the Rashtriya Sam Vikas Yojana has been initiated with the main objective of putting in place programmes and policies which would remove barriers to growth, accelerate the development process and improve the quality of life of the people.


The main objectives of the scheme are to address the problems of low agricultural productivity, unemployment, and to fill critical gaps in physical and social infrastructure.


Main Features

> A sum of Rs. 15.00 crore per year will be provided to each of the districts for a period of three years i.e. a total of Rs. 45.00 crore per district. Funds will be released to the State Governments on 100% grant basis in suitable instalments linked with the satisfactory progress of the District Plan.

> PRIs, NGOs and Self Help Groups may also be involved in awareness and capacity building, training, etc. and about two percent of the funds could be utilised for such schemes.

> For availing of assistance under the Scheme, a three-year Master Plan is to be prepared for each district.

> Special focus may be given to the following sectors:

> Land and water management including check dams, revitalization of traditional water structures, small lift irrigation projects, mini diversion weirs, etc.

> Health infrastructure particularly strengthening of ANM/Anganwadi centres and provision of facilities for institutional deliveries.

> Education infrastructure.

> Augmentation of infrastructure for vocational training to upgrade economically relevant skills such as repairs of electrical goods, plumbing, small fabrication,  motor cycle/pump repairs, etc. as per the emerging demands in the market as well as local artisan skills in handlooms, sericulture, bee keeping, pottery, woodwork, toy making and other traditional disciplines, etc.


List of Districts

Andhra Pradesh: Adilabad, Warangal, Chittor, Mahblibnagar, Vizianagaram, Karimnagar, Khammarn, Medak, Nalgonda, Panchmahals.
Gujarat: Dangs, Dohad, Panchmahals.
Jharkhand: Lohardaga, Gumla, Sirndega, Saraikela, Singhbhum West, Goddha, Hazaribagh, Palamu, Chatra, Garhwa, Ranchi, Latehar, Giridhi, Koderma, Bokaro, Dhanbad.
Kerala: Palakkad, Wynad.
Chkatisgarh: Bastar, Dantewada, Kankar, Bilaspur, Ganjam, Gajapati, Mayurbhanj.
Haryana: Sirsa.
Karnataka: Gulbarga, Bidar, Chitradurga, Davangere.
Madbya Prades: Mandia, Barwani, West Nimar, Seoni, Shahdol, Umaria, Balaghat, Satna, Siddhi, Dindori.
Maharashtra: Gadchiroli, Bhandara, Gondia, Chandrapur, Hingoli, Nanded, Dhule, Nandurbar, Ahmednagar.
Punjab: Hoshiarpur.
Tamilnadu: Triruvannamala, Dindigul, Cuddalore, Naggapattinam, Sivagangai.
West Bengal : Purulia, 24 South Paraganas, Jalpaiguri, Midnapur West, South Dmajpur, Bankura, Nortli Dinajpur, Birbhum.
Uttar Pradesh: Sonbhadra, Raehareli, Unnao, Sitapur, Hardoi, Banda, Chitrakoot, Fatehpur, Barabanki, Mirzapur, Gorakhpur, Kushinagar, Lalitpur, Jaunpur, Hamirpur, Jalaun, Mahoba, Kaushambi, Azamgarh, Pratapgarh.
Rajasthan : Banswara, Dungarpur, Jhalawar.
Bihar : Aurangabad, Gaya, Jehanabad, Rohtas, Nalanda, Patna, Bhojpur, Kaimur.
Assam : Kokrajhar, North lakhimpur, Karbi Anglong, Dhemaji, North Cachar Hills.
Himachal Pradesh : Chamba, Sirmaur.
Manipur: Tamenlong.
Mizoram: Lawngtiai.
Sikkim: Sikkim.
Uttaranchal : Chai-npavat, Tehri Garhwal, Chamoli, Chandauli.
Arunachal Pradesh: Upper Subansiri.
Jammu & Kashmir : Doda, Kupwara, Poonch.
Meghalaya : West Garo Hills.
Nagaland: Mon.
Tripura: Dhalai.


Credit sum Subsidy Scheme (Subject to confirmation from HUDCO)

> Upper limit of Construction assistance Subsidy/Loan : Subsidy ceil ling: Rs. 10,000/- household. Maximum Loan permissible: Rs. 40,000/ household

> Target group : Rural households with annual income up to Rs. 32000. 60% of funds allocated to each state to be utilised for SC, ST and freed bonded labourers.

> Target area : Solely rural areas at least 20 kms away from metropolitan and large towns or 5 kms away from small and medium towns.

> Identification Agency : Sole prerogative of the States.

> Implementation Agency: Housing Board, Housing Corporation, specified Scheduled Commercial Bank, Housing Finance Institution or the DRDAs/ZPs as decided by the State Government.

> Criteteria of Allocation : Subsidy element of Credit-cum-subdily scheme will be shared on 75:25 basis between Centre and the States. The criteria of allocation of funds under the scheme to the State shall be both poverty ratio as determined by the planning commission and the housing shortage. The proportion of two variables shall be 50:50. The allocation of funds will be decided by the state govt.

> Monitoring : Ministry of Rural Development is responsible for overall monitoring of scheme. State Govt. should submit the monthly progress reports and a detailed annual progress report to the Ministry.


Corporate Office


Dr. PS Ratio, CMD

HUDCO Bhawan, India Habitat Centre, Lodhi Road, New Delhi – 110003 Tel : 24649610 – 27 (18 lines). After Office hours : 24648193 – 95, Telex : 031-61037 HUDCO IN Gram : HUDCO, Fax : (011) 24625308

Voice Mail : 24648160-63-64, E-mail : mailto:[email protected]


Research & Training Office

Shri Rajan Kumar, Executive Director

Human Settlement Management Institute, HUDCO House, Lodhi Road, New Delhi – 110003 Tel : 24699534,

24368418, Fax: (011)24365292, E-mail : [email protected]


it has three local head offices at Bangalore, Delhi and Kolkata; one zonal office at Guwahati; Nine development offices at Aizwal, Agartala, Goa, Imphal, Itanagar, Kokrajhar, Pondicherry, Port Blair and Shilong; Fifteen regional offices at Ahmedabad, Bhubaneshwar, Bhopal, Chandigarh, Chennai, Dehradun, Hyderabad, Jaipur,  Jammu, Kohima, Lucknow, Mumbai, Patna, Ranchi and Thiruvananthapuram.

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