National Housing Bank (NHB) is working to promote affordable housing in India through various initiatives: 1) NHB is collaborating with the UK Department for International Development (DFID) on a project to improve housing policies and systems in 8 low-income states. 2) As part of this, NHB is financing two demonstration housing projects using innovative construction technologies - one using expanded polystyrene core panels in Bhubaneswar, Odisha and another using monolithic construction with steel formwork systems in Bihar Sharif, Bihar. 3) NHB is also working to promote green affordable housing through refinancing energy efficient home loans and administering a subsidy scheme for solar home

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Green Affordable Housing
ShriV.Vaideswaran, Deputy General Manager | National Housing Bank
National Housing Bank
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National Housing Bank, wholly owned by the
Reserve Bank of India was set up on July 9, 1988
under the National Housing Bank Act, 1987 as an
apex level institution for housing finance.
NHB was set up to operate as a principal agency to
promote housing finance institutions both at local
and regional levels and to provide financial and
other support to such institutions and for matters
connected therewith or incidental thereto
NHB has provided a balance between the various
functions such as regulation, supervision, financing
and creating a market infrastructure towards
developing a healthy, profitable and sustainable eco-
system around the Policies and Schemes of the
Central & State Government to focus on affordable
housing segment.
NHB, as the knowledge capital for the housing
finance industry, will continue to foster innovation in
order to create funding for low cost housing and
develop a sustainable housing micro finance
ecosystem.

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National Housing Bank – Business Overview
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•Registration of HFCs – 85
•Requirement of minimum
NOF of HFC increased from 2
Crores to 10 Crores
•On-line Portal for data
submission by HFCs (ORMIS)
REFINANCE (as on 30-6-2017)
Cumulative Disbursements :
₹ 1.63 Lakh Crores
Refinance Disbursement (FY
2016-17) :
₹ 22,684 Crores
Refinance Outstanding : (30-6-
2017): ₹ 54,804 Crores
•Nodal Agency for CLSS:
Disbursement of ₹ 687 Crores;
36,826 households;
•NHB RESIDEX: Housing
Price Index of 29 Cities
•Study on Stamp Duty &
Registration Charges
•2 Research Studies on Land
Acquisition & Property
Insurance
RHF: ₹29,324 Crores | 18.40 Lakh Units
UHF: ₹7,708 Crores | 1.86 Lakh Units
TOTAL: ₹37,032 Crores | 20.26 Lakh Units
NIL Net NPA Institution
Promotion & DevelopmentRegulation & Supervision Financing
NHB -World Bank Low Income Housing
Under this program, as of date, an aggregate
amount of $69 million have been used
NHB - DFID Affordable Housing Programme in Low
Income States: The project with DFID is for an assistance
of £50 million comprising of £40 million of loan and
£10 million technical assistance grant
Green Housing – What and Why?
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Green Housing: A house that focuses on
efficient use of energy, water and building
material in construction and maintenance
of the home; which is environment
friendly and sustainable
Green Homes also reduce the carbon
footprints of the user
Today the need for developing on the
concept of green homes is felt more than
ever before owing to the apparent climatic
changes, environmental risks, rapid
industrialization and so on
Rapid Urbanization: In developing
countries such as India, urban areas are
consuming disproportionate amounts of
energy and water. Green housing can help
to reduce demand for these resources
which are already in short supply.
Resource Saver: Green housing is also an
excellent money saving tool- it can in the
long term yield savings in the form of
reduced energy and water consumption.

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Energy Efficient Features
Use of energy saving appliances, use of
renewable energy sources, resources used to
decrease the energy consumption
Water Efficient Features
Use of fixtures and appliances that
reduce the consumption of water
and conserve water
Resources Efficient Features
The design and develop the house in
such a manner that there is optimal
use of the property
Indoor Air Quality Features
The heating and the cooling
appliances in the home should be
optimal and properly ventilated.
Outside the Home
The surrounding of the house
should be green and the
landscape to have enough
greenery.
Green Housing – Key Features
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Advantages of Green Housing
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Health and Wellness: Keeping the
environment sustainable is very
important for a healthy living
Environment Friendly: Saves huge
amount of resource like power,
water, use of renewable resources
Increased Revenue: The developer
can charge premium for the “Green
Building” certification (LEED
certification; 2%-5%) and the
consumer will in turn have a
premium with higher resale value
and higher rental yields.
Lower Costs: Sustainability implies
profitability. Reduced electricity
(30%-40%) will bring in huge
savings. The additional cost to
incorporate green features has a pay
back of just 2-5 years. Substantial
reduction in operational costs.
Government Incentives: Tax and
premium rebates for buildings that
meet certain minimum conditions
under rating programs. Many states
in India incentivize developers by
extra FSI for no cost, increasing the
value proposition for developers
Marketing Tool: Builders can add
their green building certifications to
their list of credentials to attract
more customers and investors, and
also to draw interest to their projects

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Government Efforts
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The Ministry of New and Renewable
Energy (MNRE), Government of India
has introduced a Scheme on “Energy
Efficient Solar/ Green Buildings” for
implementation during 2013-14 and rest
of the 12th Five year Plan period.
The main objective of the Scheme is to
promote widespread construction of
energy efficient solar/ green buildings in
the country through a combination of
financial and promotional incentives,
and other support measures so as to
save a substantial amount of electricity
and other fossil fuels apart from having
peak load shavings in cities and towns.
Various financial incentives have been
provided for capacity building and
awareness activities, urban and local
bodies and the architects and design
consultants.
MNRE has also introduced schemes for
establishing solar cities in the country to
curb the electricity consumption in
those cities.
The Government of Tamil Nadu had
launched a scheme on Solar powered
Green House. Under this scheme 3 lakh
houses will be constructed with solar
powered lighting systems over a period
of 5 years from 2011-12 to 2015-16 for
the benefit of poor in rural areas .Out of
the Rs. 180 crore estimated cost, approx.
42.6 crores will be provided as subsidy
from the Government.
The Government will likely award
cheaper housing loans and reduced
registration fee to energy-efficient green
houses in a bid to take forward its
climate change goals
The ECBC-R 2017 is scheduled for release and will follow the basic structure of the Energy
Conservation Building Code (ECBC) 2007 which was meant for commercial buildings only
Role of National Housing Bank
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NHB - KfW - Promotional Programme
for Energy Efficient New Residential
Housing in India
This programme, the first of its kind in
India, was undertaken in partnership
with the KfW Development Bank of
Germany.
A Line of Credit of €50 million was
provided by KfW to NHB for extending
refinance assistance to primary lending
institutions in respect of their individual
housing loans for energy efficient units.
Capital Subsidy Scheme for Installation
of Solar Lighting Systems in Homes
The National Housing Bank has been
designated as a nodal agency for
administering and monitoring the capital
subsidy scheme for Installation of Solar
Lighting Systems in Homes.
The Scheme has commenced from 01-04-
2014 and loans disbursed on or after 01-
04-2014 are eligible to be covered under
the Scheme. Net Subsidy disbursed is ₹
30.64 crores for 18,979 beneficiaries.

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Background: National Housing Bank (NHB) and Department for International Development (DFID),UK has entered into a collaboration
for a project namely “Making affordable housing market work for faster and sustained economic growth” in eight low income states in the
country viz., West Bengal, Odisha, Bihar, Jharkhand, Uttar Pradesh, Madhya Pradesh, Chhattisgarh and Rajasthan.
Under this project, DFID has sanctioned £10 million as grant which further comprises of £5 million as Technical Assistance (TA) and £5 million
for piloting innovative approaches to support state governments in the identified eight low income states to improve policies and systems related
to housing.
Project: Construction of 32 demonstration Houses in one building block with G+3 configuration along with all on-site infrastructure. The
demonstration building has been designed with Ground+ 3 storied configuration, having provision for 8 units per floor, with total 32 units, as
per BDA’s requirement. The carpet area of the housing unit is 23.08 sq mt. with drawing room size as 2.7 x3.5 mt & bed room as 2.7x3.00 sq
mt. The linkage to external services have also been proposed, so as to make the DUs habitable after its completion.
Technology Proposed: The Expanded Polystyrene (EPS) Core Panel System has been identified for this project.
Financing: NHB has agreed to become a partner in the demonstration housing project initiated by BMTPC in Bhubaneswar, to promote
implementation of emerging & green technologies, under NHB-DFID partnership programme, through sharing in project cost. The project cost
is expected to be around Rs.250 lakhs.
Demonstration Housing Project with Emerging & Green
Technology at Bhubaneswar, Odisha
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Project: BMTPC in collaboration with Bihar Sharif Nagar Nigam (BSNN) identified a land for demonstrating construction of 36
houses using Monolithic construction with Structural Stay in place steel form work System technology. The agency has indicated that
BSNN has allotted admeasuring 1435 sq.mt. at Sohar Kuan, Bihar Sharif. Three types of dwelling units in the proposed layout having
built-up area of 44.36 sq. mt., 46.91 sq. mt. and 46.35 sq. mt. with the estimated cost of the project is Rs. 315.55 lakhs approximate.
Technology Proposed: Structural stay-in-place CR steel specially designed formwork system consist of an integrated formwork
with two filtering grids (panels) made of rib lath reinforced by vertical stiffeners.
The panels in various sizes are fabricated and assembled in the factory. After the erection of panels in alignment, required
reinforcement concrete of Grade M25 is poured in the panels with a slump of around 12-18 cm.
The concreting may be done with a pump, bucket or with a shovel loader. The inside and outside walls are finished with cement plaster
of suitable grade. The painting of walls is to be done in the conventional manner.
Financing: BMTPC is planning the mode of construction as design and build basis through the agencies who are working in this
technology and have BMTPC's certificate or applied for it and is in process.
The tentative cost of building is estimated to be about Rs. 316 lakhs The completion period of the project will be 6 Months.
Demonstration Housing Project with Emerging & Green
Technology at Bihar sharif, Bihar
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Moving Forward
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Reduced Stamp Duties & Registration Costs
for Green Housing
IFC, a member of the World Bank Group, has invested in
green bonds with Housing Finance Companies to help
construct green residential buildings, facilitate development
of affordable housing, and create more jobs in India
Incentivize Builders to Encourage Green
Housing