220 ISSN : 0555-7860 UGC-CARE Group 1 Journal पुराणम् - Purana Vol. LXIV, No. 1 (V), 2022 HOUSING FOR ALL - CIDCO & MHADA INITIATIVE TOWARDS AFFORDABLE HOUSING Mr. Basukinath S. Pandey Research Scholar, Department of Commerce, University of Mumbai, Maharashtra. Prof. Dr. Sangeeta Pawar Professor, Head and Senate Member, Research Guide in Commerce and Management, Department of Commerce, University of Mumbai, Maharashtra. Abstract "Housing for All," an often-proclaimed objective for Indian housing policy, has come to signify home ownership for all inhabitants. Since the early 1970s, programmes have had a narrow emphasis that has failed to understand the variety of housing tenures that may permit a successful, sustained market. This article examines the history of India's urbanization, as well as the expansion and development of the housing sector. It then goes on to describe in general terms the urban legislation and policies that affect housing, as well as a plan for increasing the availability of affordable housing. The CIDCO and MAHADA schemes are then explained. Keywords: Urban housing, housing industry, policies, strategy. Introduction In general, rental housing is a preferred choice for some households and special interest groups, such as a) young households with insufficient savings to obtain mortgages, b) low and low to medium income households with affordability concerns, and c) migrant and refugee households, also those with disabilities and care needs. Rental housing may be preferable to homeownership for a variety of reasons, including its compatibility with labour mobility; its ability to save money that can be used for other investments; and its ability to provide safe, sanitary housing while reducing risk and freeing up cash-flow costs of such housing. In India, either as a social rental housing sector, as in Europe, or via housing assistance vouchers and land-use planning, as in the United States, the inexpensive rental housing industry has not been cultivated. This might be explained by the phenomena of low-cost, but dangerous and poor, rental housing in slums that meets the demands of this demographic group. According to the Working Group on Migration, although migration is presently fairly split between middle- and higher- income migrants and low-income migrants, direct policy assistance for accessible low-income rental housing remains lacking. Add to this the fact that short-term migration, particularly by males, is becoming a larger part of India's migration. Some governments have begun to address issue, although they are small-scale and in the early stages of implementation.