MoHUA organises National Conference on Affordable Housing Reforms - “Reimagining - 11th August 2026 - Ministry of Housing and Urban Affairs - Gazette Notification PDF
Read or download the official PDF of this gazette notification issued by the Ministry of Housing and Urban Affairs on 11th August 2026. Classified under Press Release.
Executive Summary
The Ministry of Housing and Urban Affairs (MoHUA) organized a National Conference on August 11, 2026, to shift the national housing strategy from a scheme-centric approach to a sustainable, integrated ecosystem. The event focused on land, urban planning, rental housing, and financial reforms to enhance housing viability and accessibility. Key outcomes include the preparation of a reform roadmap to support the implementation of PMAY-U 2.0, which aims to assist an additional 1 crore urban families.
Key Points / Main Content
Land and Urban Planning Reforms
Availability and Viability: Reforms are focused on improving land supply through land pooling, the creation of land banks, and reserving at least 10% of residential land for affordable housing zones in master plans.
Regulatory Incentives: Suggestions include waiving land-use change fees and exempting affordable housing units from stamp duty to improve project affordability.
Density and Norms: Proposed changes include raising the permissible Floor Area Ratio (FAR) to a range of 5 or 6 and easing parking and density norms.
Innovative Development: Promotion of transit-oriented development, transferable development rights, and cluster development policies.
Rental Housing and Vacancy Management
Target Demographics: A priority has been placed on expanding rental housing for migrant workers, young professionals, students, and industrial workers.
Regulatory Framework: The conference emphasized the need for reforms in the tenancy framework and the development of "vacancy unlock" strategies to utilize existing housing stock.
Rental Exchange: Deliberations included the establishment of rental housing regulatory reforms and rental housing exchanges across various states.
Financial Innovation and Access to Capital
Private Capital: There is a call for increased participation from the financial sector and the introduction of financial innovations to attract private capital.
Informal Sector Support: Financial institutions are tasked with developing specific home loan products for individuals engaged in the informal sector.
Institutional Participation: Organizations such as NHB, HUDCO, and the Indian Banks’ Association are focusing on strengthening project finance and credit guarantee schemes.
Evolution of Housing Schemes (PMAY-U)
PMAY-U 2.0: Building on the 2015 launch of PMAY-U, the 2.0 version adopts a demand-driven approach with an emphasis on technology-enabled implementation and diverse housing solutions.
Cooperative Federalism: The conference serves as a platform for States/UTs to share best practices and adapt successful reform initiatives to local contexts.
Impact Analysis
State and Municipal AuthoritiesImpact
As the primary implementation bodies, these authorities are responsible for the majority of the suggested land and planning reforms.
Action Required
They must update master plans to include affordable housing zones, adjust FAR regulations, and implement tenancy framework reforms.
Financial Institutions (NHB, HUDCO, Commercial Banks)Impact
These entities are critical for providing the necessary capital to make affordable housing projects and homeownership financially viable.
Action Required
They need to innovate project finance models and create specialized home loan products for informal sector workers.
Urban Households and Migrant WorkersImpact
These stakeholders will benefit from increased housing stock, better rental choices, and improved access to financing.
Action Required
Eligible families should engage with the demand-driven PMAY-U 2.0 scheme and utilize new rental housing platforms as they become available.
Ministry of Housing & Urban Affairs (MoHUA)Impact
MoHUA acts as the central coordinating body and policy formulator.
Action Required
The Ministry must finalize the roadmap for housing sector reforms and establish a framework for sustained engagement and monitoring across States and UTs.
Key Entities Referenced
Ministry of Housing and Urban Affairs (MoHUA): The primary ministry responsible for formulating and implementing urban development policies and organizing the National Conference on Affordable Housing Reforms.
Pradhan Mantri Awas Yojana - Urban (PMAY-U): The flagship government housing scheme, including the PMAY-U 2.0 initiative, which aims to provide affordable housing to 1 crore additional urban families.
A Comprehensive Framework to Promote Affordable Housing: A policy report prepared by NITI Aayog and MoHUA that proposes specific reforms in land use, urban planning, and finance to enhance the housing ecosystem.
NITI Aayog: India's premier policy think tank that co-authored the housing reform framework and advocates for structural reforms in urban planning and land supply.
National Housing Bank (NHB): The apex financial regulator for housing finance that presents initiatives for project finance and home loans to ensure financial viability in the housing sector.
Ministry of Housing & Urban Affairs
MoHUA organises National Conference on
Affordable Housing Reforms - “Reimagining
Affordable Housing: From Scheme to Sustainable
Ecosystem”
Land, Rental Housing and Finance at Centre of Affordable
Housing Reform Agenda
Shri Rajiv Gauba Calls for Land and Urban Planning Reforms
to Boost Affordable Housing
प्रव तथ: 11 AUG 2026 9:10PM by PIB Delhi
The Ministry of Housing and Urban Affairs (MoHUA) organised a National Conference on Affordable
Housing Reforms - “Reimagining Affordable Housing: From Scheme to Sustainable Ecosystem” on 11th
August 2026 at Vigyan Bhawan, New Delhi. The Conference brought together senior policymakers,
experts and representatives from States/UTs and key financial institutions to deliberate on reforms and
innovative approaches for strengthening the affordable housing ecosystem.
The Conference was attended by Shri Rajiv Gauba, Member, NITI Aayog, as Chief Guest, and Shri
Satendra Singh, Secretary, Department of Urban Development, Ministry of Housing and Urban Affairs
(MoHUA), as the Guest of Honour.
The proceedings began with a welcome address and briefing on housing reforms by Shri Kuldip Narayan,
Joint Secretary & Mission Director (JS&MD), Housing for All (HFA), MoHUA. He said that the
Conference has been convened to facilitate a focused exchange of experiences, best practices and reform
initiatives among States/UTs and to collectively identify practical pathways for implementing reforms that
are adaptable to different State contexts.Addressing the audience, Shri Rajiv Gauba emphasised the need for land and planning reforms to expand
affordable housing at scale. He said that land supply and urban planning reforms are critical for expanding
affordable housing in cities and stressed the need for measures to improve the availability of land for such
projects.
He suggested considering waiving land-use change fees for land dedicated to affordable housing and
exempting affordable housing units from stamp duty to improve project viability and affordability.
Shri Rajiv Gauba also highlighted the growing importance of rental housing and stressed the need to
expand rental housing for migrant workers, young professionals, students and industrial workers, along
with reforms in the tenancy framework.
"Land is the most binding constraint in the housing sector and therefore, it has to be at the centre of the
reform agenda," Shri Rajiv Gauba said.
Calling for greater participation of the financial sector, Shri Gauba emphasised the need for financial
innovation and increased private capital in affordable housing.
He said the report on affordable housing, prepared by NITI Aayog and the Ministry of Housing and Urban
Affairs – “A Comprehensive Framework to Promote Affordable Housing” proposes a set of measures to
address the constraints, with most of the implementation lying with State and municipal authorities. The
State Government needs a whole-of-government approach to housing, he highlighted.
The recommendations include expanding planned urban areas and reserving at least 10 per cent of
residential land as affordable housing zones in master plans. The report also proposes raising the
permissible Floor Area Ratio (FAR) for such projects to the range of 5 or 6, promoting transit-oriented
development, land pooling and transferable development rights, easing parking and density norms and
creating land banks.
The context setting was done by Ms. Anna Roy, Programme Director, Managing Urbanisation, NITI
Aayog, who highlighted that affordable housing is fundamental to building inclusive, productive and
resilient cities and added that as India's urbanisation gathers pace, the policy approach must evolve from
implementing housing schemes to creating a comprehensive ecosystem that continuously supports the
supply of affordable housing and expands housing choices for urban households.Affordable housing requires a supportive ecosystem where land, planning regulations, financing
mechanisms, rental markets and institutional arrangements collectively enable the continuous creation of
affordable housing. The focus must progressively shift from delivering individual housing projects to
creating conditions that make affordable housing viable, accessible and sustainable over the long term, Ms
Anna Roy said, citing cities as engines of growth and stressing on the working on the ethos of cooperative
federalism.
The Conference provided a platform for stakeholders to deliberate on the need to move beyond a scheme-
centric approach towards a sustainable and enabling affordable housing ecosystem, with greater emphasis
on policy reforms, institutional convergence, innovative financing mechanisms and effective
implementation.
In his keynote speech, Shri Satendra Singh acknowledged the efforts of NITI Aayog and the Committee
for the developing a well-researched report “A Comprehensive Framework to Promote Affordable
Housing” that adds significant value to ongoing housing and urban development efforts.
He underlined that affordable housing is not merely a social necessity but also a powerful engine for
economic growth, employment generation and sustainable urban development. Shri Singh further
highlighted how, in the last decade, the Government has fundamentally reshaped the urban housing
landscape through Pradhan Mantri Awas Yojana - Urban (PMAY-U).
He mentioned, “The recommendations emerging from this Conference should serve as a roadmap for
strengthening affordable housing policies and accelerating India's journey towards sustainable and
inclusive urbanisation.”
The deliberations focused on key reforms across land and urban planning, rental housing, vacancy
unlocking, access to finance and other areas that can improve housing accessibility and financial viability.
The conference aimed to facilitate a shift in the approach to affordable housing to developing a sustainable
and integrated ecosystem.
The Conference also highlighted the significant progress made PMAY-U in expanding access to affordable
housing and strengthening housing delivery systems across the country. Since its launch in 2015, PMAY-U
has supported the construction and delivery of houses for eligible urban families, while promoting
women’s ownership, convergence with basic civic amenities and greater participation of States and Urban
Local Bodies. Building on these learnings, PMAY-U 2.0 seeks to support 1 crore additional eligible urban
families through a demand-driven approach, with emphasis on diverse housing solutions, technology-
enabled implementation, access to finance and stronger institutional partnerships. The Conference
provided an opportunity to draw upon the experience of PMAY-U and PMAY-U 2.0 while exploring
policy and institutional reforms required to create a sustainable, inclusive and financially viable affordable
housing ecosystem.Three technical sessions were hosted during the Conference, covering critical dimensions of affordable
housing reforms:
1. Land and Urban Planning Reforms: The session examined State-level experiences and innovative
approaches in land and urban planning. Presentations included initiatives from Gujarat, Maharashtra,
Telangana, Tamil Nadu and Delhi, covering Town Planning models, Affordable Housing Zones,
Affordable Housing and Cluster Development Policies and the Delhi Transit-Oriented Development
Policy 2026.
2. Expanding Housing Accessibility through Rental Housing and Vacancy Unlock Strategies: The
session deliberated on rental housing regulatory reforms and the rental housing exchange, along with
experiences and interventions from Tamil Nadu, Andhra Pradesh, Gujarat, Odisha, Telangana and Assam.
The discussions explored approaches to expanding access to affordable rental housing and unlocking
existing housing stock.
3. Access to Capital – Demand and Supply Side: Making Affordable Housing Financially Viable:
This session focussed on strengthening access to finance for both housing projects and homebuyers.
National Housing Bank (NHB) and HUDCO presented initiatives in project finance and home loans. TheDepartment of Financial Services (DFS) and Indian Banks’ Association (IBA) discussed home loan
products for persons engaged in the informal sector, while the National Credit Guarantee Trustee
Company (NCGTC) shared insights on the performance of the Credit Guarantee Scheme.
The one-day conference also provided an opportunity for States to showcase their best practices, share
experiences and lessons learned and explore approaches that could be adapted and scaled across different
urban contexts. The discussions fostered peer learning and cooperative federalism, with participating
States sharing their reform initiatives and implementation experiences.
The deliberations will further help in preparing a roadmap for housing sector reforms and share progress
made in implementing these reforms. The roadmap is expected to provide a framework for sustained
engagement, monitoring of reform measures and exchange of experiences among States. The Conference
reaffirmed the importance of collaborative and coordinated efforts among the Centre, States/UTs, financial
institutions and other stakeholders to build a more accessible, inclusive and sustainable affordable housing
ecosystem.
The National Conference on Affordable Housing Reforms also provided an opportunity to review the
progress made by States, learn from successful reform initiatives and collectively identify practical
strategies for accelerating implementation under PMAY-U 2.0.
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