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Low Income Shelter Financing in Slum Upgrading: India Urban Initiatives


  • Sally Merrill
  • Ajay Suri



This report summarises findings from the USAID-sponsored project on models of financing for slum upgrading in India, undertaken on behalf of SPARC,a Mumbai-based NGO involved in slum upgrading and the National Housing Bank of India (NHB). This report primarily addresses the following topics: lack of finance for low income housing, lack of participation of banks in construction finance in slum projects, and suggestions for credit enhancements to better leverage subsidies and household contribution.

Suggested Citation

  • Sally Merrill & Ajay Suri, 2009. "Low Income Shelter Financing in Slum Upgrading: India Urban Initiatives," Working Papers id:2293, eSocialSciences.
  • Handle: RePEc:ess:wpaper:id:2293
    Note: Institutional Papers

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    housing; low-income housing; finance; urban housing finance; finance for low income housing; banks in housing finance; slum projects; slum rehabilitation; subsidies; household contribution; household participation; National Housing Bank; SPARC; Mumbai; India; Urban Studies;
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