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The prime necessities of human beings are food, clothing and shelter and housing cooperative is an essential for

human existence as much food and clothing. Housing is a significant subject having a concern with a common man. One of the important problems faced by India is the housing problem. The reasons are varied, like tremendous growth in population, migration from rural to urban areas. Highly speculative trend in the cost of land, weakening of joint family system thus creating a requirement of a separate house for each family unit etc. Co-operative housing emerged as a strong, well organized and significant in order to. Solve the housing problem of common man. These are legally established association of persons and are democratically controlled by the members. The working group on housing co-operatives has therefore said that, cooperative activity is the best means of providing decent houses at reasonable costs to persons, particularly of low and middle income groups.

Definition of Housing Co-operatives "Co-operative housing society" means a society of persons-

(a) which is formed for all or any of the objects referred to in section five
of the act 1958; (b) which has under its rules a share capital divided into equal shares of one or more classes and not being preferential shares; and

(c) which under its rules is to terminate on a specified date or when a

specified object is attained or a specified event occurs- but does not include a Starr-Bowkett society, that is to say, a society in which the order of advances to members is determined either solely or partly by the drawing of lots; OR

co-operative principles (Voluntary membership, democratic member control,

A housing Co-operative is also defined as an association run along with

member economic participation, autonomy and independence, education, training and information, co-operation among co-operators and concern for community.).
Housing co-operatives provide a way for people to share in the ownership of property and live in it at affordable rent levels, as opposed to rent levels designed to generate profit for an individual or company. They are an alternative to home ownership in the traditional sense or renting in the private sector.

A housing cooperative is a legal entityusually a corporationthat owns real estate, consisting of one or more residential buildings. Each shareholder in the legal entity is granted the right to occupy one housing unit, sometimes subject to an occupancy agreement, which is similar to a lease. The occupancy agreement specifies the co-op's rules. Legal status As a legal entity, a co-op can contract with other companies or hire individuals to provide it with services, such as a maintenance contractor or a building manager. It can also hire employees, such as a manager or a caretaker, to deal with specific things that volunteers may prefer not to do or may not be good at doing, such as electrical maintenance. However, as many housing cooperatives strive to run self-sufficiently, as much work as possible is completed by its members. A shareholder in a co-op does not own real estate, but a share of the legal entity that does own real estate. Co-operative ownership is quite distinct from condominiums where people "own" individual units and have little say in who moves into the other units. Because of this, most jurisdictions have developed separate legislation, similar to laws that regulate companies, to regulate how co-ops are operated and the rights and obligations of shareholders. Ownership

Each resident or resident household has membership in the co-operative association. Members have occupancy rights to a specific suite within the housing co-operative as outlined in their "occupancy agreement", or "proprietary lease" which is essentially a lease. In some cases, the co-op follows Rochdale Principles where each shareholder has only one vote. Most cooperatives are incorporated as limited stock companies where the number of votes an owner has is tied to the number of shares owned by the person. Whichever form of voting is employed it is necessary to conduct an election among shareholders to determine who will represent them on the board of directors (if one exists), the governing body of the co-operative. The board of directors is generally responsible for the business decisions including the financial requirements and sustainability of the co-operative. Although politics vary from co-op to co-op and depend largely on the wishes of its members, it is a general rule that a majority vote of the board is necessary to make business decisions. Finance A housing cooperative is normally de facto non-profit, since usually most of its income comes from the rents paid by its residents, who are invariably its members. There is no point in creating a deliberate surplusexcept for operational requirements such as setting aside funds for replacement of assetssince that simply means that the rents paid by members are set higher than the expenses. It is relatively difficult to start a housing co-op because if the idea is, for instance, to build a building or group of buildings to house the members, this usually takes a significant mortgage loan for which a financial institution will want assurances of responsibility. It may also take a year or more for the members to organize the design and construction, as well as time and foresight to establish even basic organizational policies. It is rare that these kinds of skills of organization are available in a random group of people who often have pressures on their existing housing. It may be somewhat easier to organize a group of closely related housing units. This opportunity may arise, for example, if an existing apartment building's owner is thinking about selling it. Market-rate and limited-equity co-ops

There are two main types of housing co-operative financing methods, market rate and limited equity. With market rate, the share price is allowed to rise on the open market and shareholders may sell at whatever price the market will bear when they want to move out. In many ways market rate is thus similar financially to owning a condominium, with the difference being that often the coop may carry a mortgage, resulting in a much higher monthly fee paid to the coop than would be so in a condominium. The purchase price of a comparable unit in the co-op is typically much lower, however. With limited equity, the co-op has rules regarding pricing of shares when sold. The idea behind limited equity is to maintain affordable housing. A sub-set of the limited equity model is the no-equity model, which looks very much like renting, with a very low purchase price (comparable to a rental security deposit) and a monthly fee in lieu of rent. When selling, all that is re-couped is that very low purchase price. India Co-ops are more commonly known as "flats" in India. This type of housing is very common in big cities like Mumbai (Bombay) but not very popular in rural India. Actually, they are registered as "co-operative housing society" rather than condominiums in that the owners actually have a share of the co-op and not the actual real estate itself. Owners can sell the "share" in the open market, but they have to get the approval of the co-op to complete the transaction Classification of Housing Co-operatives

(a) Tenant Ownership: In the case where the land is owned by the Society
and the structure on the plot is owned by the members. Individual members are allotted plots by the co-operative to construct their houses. The society creates infrastructure and may also arrange the finance for the members.

(b) Tenant Co-partnership: The land and the constructed structure is owned

by the society and the members who are allotted the flats have the easement rights.

(c) Builder Co-operative: where the builder floats a housing scheme and sells
the flats. The buyers of the flats then organize into a housing society. Such societies are merely service societies or maintenance societies.

(d) Ownership cooperative: - In this case, people working in an organization

come together and form them into a housing cooperative society. They get their society register, apply to MAHADA. (MAHARASHTRA HOUSING AND DEVELOPMENT AUTHORITY) and get a plot allotted to them in LIG, MIG, and HIG i.e.: low income group, middle income group, high income group. Once the plot is sanctioned they approach a construction company and depending on their budget build up housing society. E.g.: Gulmohar cooperative housing society situated at Ceissor road, Andheri (west) is the housing complex of the ICICI officers.



1. - What are the requirements/documentations and procedures for the registration of new Society? Ans. The application or proposal for registration of society should come from promoter members who belong to different families but are residents of India only. The proposal should also mention the specific scheme indicating that the proposed society will be viable and will ensure promotion of economic interest of the member. 2 Minimum Requirements Ans. Fifteen or more persons having attained the age of 18 years who are residing in the area of operation of the society could form a Registered Cooperative Society. The norms have been prescribed by the O/O RCS, Delhi for registration of new societies which are given below in the form of a statement and are to be followed by the promoters while organizing a new society. The procedure for formation of cooperative society starts by electing a Chief Promoter by other promoter members by holding a General Body Meeting of such promoters authorizing him to sign necessary papers and submitting them in the O/o RCS. Documentation and procedures The applications along with schemes initially received from the Chief Promoters and are scrutinized by the Dept. To ensure (a) the viability of a society, (b) its conformity with Co-operative Societies Act and Rules.

Q.3:- To whom should we contact for the registration of new Society ? Ans. Office of the Registrar Co-operative Societies, Old Court Road, Parliament Street, New Delhi. Tel 23742938, 23742806.

Q.5:- main conditions of enrolment of a member in a Co-operative Society? Ans: A resident of India can become member of the society if he or she fulfills the conditions laid down in registered bye-laws of different types of societies. The person can become member on an industrial or transport society if he or she is actually engaged in their respective field and he or she should not be member of other society of similar activities. But in case of housing societies, an applicant for membership should not have any plot/flat in their name or in the name of any dependent member of their family and should also be resident of Delhi for minimum period of 3 years on the date of application. Q.6:- What is the role of the registrar? Ans. From the registration of a Co-operative Society till the cancellation of its registration, the Registrar acts as a friend, philosopher and guide to the cooperatives Registrar order to ensure that the Co-operative Societies function in accordance with the provisions of Co-operative Act, Rules, Bye-laws and govt. policies. Time schedule of disposal of applications/references: 1 Approval of proposal of Registration of a new cooperative society 2 Amendments in Bye-laws 30 Days

60 Days 90 Days 60 Days

3 Maximum credit limit of the society 4 Approval of resignations and enrollments of members in Housing/Group Housing Society 5 Others (Miscellaneous

60 Days


Role of Registrar Right from the Registration of a Cooperative Society till the cancellation of its registration, the Registrar acts as friend, philosopher and guide to the cooperatives and ensures that Cooperative Societies function in accordance with the Cooperative Act. In fact the Registrar is "Trimurti" of the Cooperative movement. The main functions of the Registrar are as under: 1. Registration of Cooperative Societies; 2. Registration of amendments in the Bye-laws of Cooperative Societies; 3. Amalgamation, Division and re-organization of Cooperative Societies; 4. Ensure timely Election of the Managing Committee in Cooperative Societies; 5. Conduct elections of Managing Committee in primary cooperative banks and federal cooperative societies; 6. Ensure proper investment of funds by Cooperative Societies as per Act and Rules; 7. Conduct audit, order inspection, enquiry and also fixing surcharge on negligent functionaries of cooperative societies; 8. Settle disputes of Cooperative Societies through the process of arbitration. 9. Function as an appellate Court; 10. Enforcement/execution of Orders, Awards and Decrees of various Courts; 11. Order winding up and cancellation of registration of defunct/nonfunctional societies.

12. Operating Cooperative Education Fund for training, education, propaganda and publicity programme for the development of Cooperative Movement in the NCT of Delhi. 13. To frame/amend Delhi Cooperative Societies Rules, 1973 from time to time. Registration office The Chief Executive Officer, Delhi State Cooperative Union Ltd., 31, Netaji Subhash Marg, Darya Ganj, New Delhi - 110 002 Tel No. 23265863, 23259058 National cooperative Housing Federation of India (NCHF) The National Cooperative Housing Federation of India (NCHF) is the nationwide organization of the Indian Cooperative Housing Movement. It was founded in September, 1969 by the apex cooperative housing federations. The basic thrust of its formation was to have an organization at the national level to assume the responsibility of promoting, developing and coordinating the activities of housing cooperatives in the country. In the course of its existence, NCHF has taken a number of measures for the organization and development of housing cooperatives across the country. Due to the vigorous efforts made by NCHF with the State Governments/Union Territory Administrations, it has been able to promote 20 Apex Cooperative Housing Federations, raising their number from earlier 6 to 26. all these federations are members of NCHF. About 31,000 primary housing cooperatives are members of Apex Cooperative Housing Federations. While extending the academic support and other necessary help to its member federations for improving their financial, organizational and technical base, it is also helping housing cooperatives on legal, management, financial and other professional matters. In addition, it is undertaking research studies, bringing out various publications, organising conferences, seminars, workshops, training programmes, etc. and providing guidance on various aspects of cooperative housing. It also provide guidance to housing cooperatives on general insurance for the covering their properties against various perils at reasonable premium.

Structure of housing cooperative # First level: National cooperative At the apex of the structure is the National cooperative housing societys federation (NCHF) which was established in 1969 and has headquarters in New Delhi. The objectives of this institution are:1) Give publicity of cooperation housing movements by publishing books and brochures. 2) To establish financial institutions at state level (Maharashtra Housing Finance Corporation) 3) To help the primary housing cooperative to get loans for building houses and flats at very nominal interest rate. 4) To undertake research for new building material so to reduce the construction cost. # Second level: State level housing cooperative Their main objective is to guide primary housing cooperatives regarding legal and statutory matters so as to get that registered. They also help in negotiating with institution like MHADA for allotment of plots. # Third level: Primary housing cooperative The objectives are found in rural, semi urban and urban areas and can get themselves registered if they have ten or more members who have a fix source of income and who come together to build a housing cooperatives and solve the housing problems and prevent exploitation of Land lords. They provide a systematic and organized way of maintaining the building and property of housing cooperatives.

National cooperative State level housing cooperative Primary housing cooperative

Organizational Chart

The Maharashtra Housing Board formerly called "Bombay Housing Board" was established in year 1948 and had a jurisdiction over the entire State of Maharashtra except Vidharbha region. This body undertook construction of residential buildings under various housing schemes for different sections of the society.


The Maharashtra Housing & Area Development Authority (MHADA) has been established by the Maharashtra Housing and Area Development Act, 1976. It came into existence on 5th December 1977. The erstwhile Mumbai Housing and Area Development Board was restructured by a Government Resolution dated 5.11.1992 and split into three separate Boards viz. Mumbai Housing and Area Development Board, Mumbai Building Repairs and Reconstruction Board and Mumbai Slum Improvement Board Under the Government Resolution No. 2679/B, dated 22.7.1992. At present MHADA is cordinating and controlling the activities of seven regional housing boards, setup for each revenue division in the state viz. Mumbai, Konkan, Pune, Nashik, Nagpur, Amravati, Aurangabad and two special purpose boards viz. Mumbai Building Repairs and Reconstruction Board and Mumbai Slum Improvement Board. Maharashtra Housing & Area Development Authority (MHADA) was constituted in 1977 with an aim to extend fair housing opportunities to the

residents of Maharashtra. The set-up of this premier Housing Authority in India marked the realization that the demand on the Real Estate and Mumbai Properties had been increasing rapidly.Considering the growing competition in Mumbai Real Estate, Maharashtra Housing & Area Development Authority (MHADA) has strategically altered the housing scenario to cover the entire Maharashtra. What makes MHADA commendable is the strategic management of resources in order to offer houses in the suburbs and areas in Mumbai like Majaswadi, Chandivali, Oshiwara and Powai. The jurisdiction of Mumbai Housing and area Development Board is limited upto Dahisar and Mulund. The regional board shares the responsibility of works like Housing , development of the land, distribution /allotment of tenements or plots , maintenance, transfer of tenancy and lease agreement, and sale of deed i.e. conveyance of societies and other as per the provisions in the Authority's act of 1976 and as per the provision made in regulation in 1981 by the state Government (and the changes made from time to time herein). It undertakes the disbursement of flats, apartments based on the lottery system and thus ensures impartial allotment. Maharashtra Housing & Area Development Authority (MHADA) has been very instrumental in undertaking the rehabilitation of slum dwellers by clearing the slums and then developing the land to offer decent houses, flats and apartments with excellent facilities and amenities like water supply, electricity. Not just this, but MHADA has productively offered decent housing for Middle-Income Group also with rapid urbanization and building construction taking place.

Maharashtra Housing & Area Development Authority (MHADA) has always had distinct objectives to achieve with a vision that at times, has, surpassed the Housing Companies also. MHADA has always accorded the much-deserved significance to Ecology, Energy Conservation Pollution, and Over-Crowding while undertaking planning, designing and implementing the housing projects.

Activities of Mhada The span of MHADA has increased in Mumbai to an extent that it has stayed in par with the latest Housing Projects undertaken by private homebuilders. With the excellent team of Home Architects , MHADA has now ventured to cater the housing needs of the elite class. The premise on which MHADA has undertaken plush constructions in Versova is that chic and lavish accommodation will be made available to complement the elite lifestyle in localities like Versova at affordable rates so that even middle class can augment their housing conditions. MHADA has always successfully launched housing projects with an aim to elevate the residents and make them get more in their investment. The activities of MHADA have not been restricted to Building and Construction. Apart from slum improvement ventures, MHADA undertakes repairs and constructions. The team, designated for the same, has been inspecting the existing constructions and identifying the repairs in a building by detailed survey of complaints so to undertake the repairs and reconstruction. Thus, MHADA has been very instrumental in enhancing the housing development in the city of Mumbai and the adjoining areas. As of now, MHADA faces an acute paucity of land to undertake the construction. Its recent projects are concentrated around the areas of Turbhe and Dindoshi. Moreover, MHADA has been planning to acquire the areas in Mulund, Vikhroli and other northeastern suburbs in Mumbai that are at present marshy. In fact, the rehabilitation of the downtrodden slums in Dharavi has been one of the most notable achievements of Maharashtra Housing & Area Development Authority (MHADA). As far as other parts in Maharashtra are concerned, MHADA has successfully developed land in Sholapur, Chandrapur and other semi-urban areas of the state. Below the address, email and website of Maharashtra Housing & Area Development Authority (MHADA) has been listed so that you can get the most recent idea and information on the latest housing projects. Contact Details: Maharashtra Housing and Areas Development Authority, (MHADA) Griha Nirman Bhavan, Bandra (E), Mumbai - 51 Tel :( 91-22) 6428331-5/6426411-15 Fax :( 91-22) 6402058

For further information visit their website :

Sr. No. Boards and its Office Address

Mumbai City Mumbai Suburban. Mumbai City Mumbai City Mumbai Suburban. Thane Raidad Ratnagiri Sindhudurg Nashik Dhule Jalgaon Ahmednagar Nandurbar Pune Satara Sangli Solapur Kolhapur Aurangabad Jalna Parabhani Beed Nanded Osmanabad Latur Hingoli Buldhana Akola Amravati Yaotmal


Mumbai Housing and Area Dev.Board, Griha Nirman Bhavan, Bandra (E), Mumbai - 400 051. Mumbai Building Repairs and Reconstruction Board, Griha Nirman Bhavan, Bandra (E), Mumbai - 400 051. Mumbai Slum Improvement Board, Griha Nirman Bhavan,Bandra (East),Mumbai - 400 051




Konkan Housing and Area Dev.Board, Griha Nirman Bhavan, Bandra (E), Mumbai- 400 051.


Nashik Housing and Area Dev.Board, Ram Ganesh Gadkari Chowk, Old Agra Road, Nashik - 422002.


Pune Housing and Area Dev.Board, Griha Nirman Bhavan, Agarkar Nagar, Pune- 411001.


Aurangabad Housing and Area Dev. Board, Griha Nirman Bhavan, Near "Mahavir Stambha" Aurangabad - 440001.


Amravati Housing and Area Dev. Board, Griha Nirman Bhavan, Tope Nagar, Amravati.

Washim 9. Nagpur Housing and Area Dev. Board, Civil Lines, Nagpur - 440001.

Organizational Setup

Administrative Setup

1. The principal functions of management are: a. Allotment of residential and non-residential tenements and plots. b. Assessment and recovery of lease rent/rent, service charges, hire purchases installments. c. Conveyance of property. d. Allotment of transit tenements and allotment of reconstruction tenements to the occupants/tenants of old/cessed buildings. e. Providing proper amenities and maintenance of common infrastructural services in the colonies.

All these functions are performed through field office of Regional Board 2. The Estate Management functions are implemented and monitored at four different levels as follows: a. MHADA : Policy formulation, Reviewing/Monitoring of all functions carried out by regional boards. Policy decision in respect of issue behind the preview of regional board. b. Chief office with estate management departments and zones headed by Dy. CO/EM. : Implementations of policies, pre-allotment activities and monitoring of estate management functions in respect of post-allotment functions in all the zones under the Board Conveyance of properties. c. Estate Management zone of the board : Activities related with postallotment work/field works, colonywise documentation, recovery of dues, matters arising headed by estate after allotment like TOT, care taker permissions. Maintain, property register, payment f Municipal water bills, etc. Updating of Rents rolls, initiating actions against defaulters, raising demand, identifying unauthorisedly occupied premises, etc. d. Rent Collectors : These fields level offices are mainly involved in actual recovery of rent/service charges/hire purchase installments, etc., supervision/regulatory work. Mumbai Board Note :

SIHS - Subsidised Industrial Housing Scheme EWS - Ecomonically Weaker Section LIG - Low Income Group MIG - Middle Income Group HIG - HIgher Income Group Housing Schemes - Construction of Tenemants and Development of Plots.

Awards and Certificates Mr. Swadin Kshatriya (Then Vice President and Chief Executive Officer ) MHADA Honoured by Hon. Chief Minister of Maharashtra Shri. Manohar Joshi on 8th August 1998 for MHADA's outstanding work of Earthquake rehabilitation carried out at Sastur, Pethsanghavi and Makani, District Osmanabad

Secretary Secretarial function in relation to the Authority; coordination supervision and control of establishment matters of all nine regional boards scattered all over Maharashtra coordination with other wings of authority, Government Department and other Government agencies. Public Relation Officer also function under Secretary MHADA Functions and Duties

Co-ordination, Supervision and control of Administration. Secretarial functions of arranging meetings of Authority and follow up actions. Establishment matters of Officers / Staff. Recruitment and Promotions in various Cadres. Transfers of Officers / Staff. Policy Decisions in Various Administrative matters. Disciplinary action cases. L.A.Qs / L.C.Qs.

Liaison with various departments of Mantralaya Public Relation Officer Functions and Duties

ADVERTISEMENTS: MHADA issues the tender notices regarding its various construction activities. These tender notices are released in news papers by the Public Relation Department. Assist the boards staff in designing and preparing the information brochures giving details of MHADA's activities. Assist in preparation of advertisements for plots and tenements. Get the art work for application forms , leaflets, brochures, pamplets prepared and approved by concerned personnel.

PUBLIC RELATIONS: Be available to the members of the public to explain them the details of the scheme and also satisfy other queries related to MHADA . Ensure that all announcements to the public are displayed on the notice board and the personnel at the enquiry counter is sufficiently briefed about such announcements. Hear public grievances and offer guidance and assistance to the extent feasible.And maintain register about the complaints and feedback.

PRESS: Organize press conference for MHADA on instructions. Prepare press release for the press and get them into print after necessary approval from the Chief Officers. Make clippings from all news papers on all stories/articles related to MHADA and bring them to the attention of administrators, Chief Officers and Chief Engineers and Officers Concerned. Seek Clarification about the particular officer and publish the same in the newspapers concerned.

MHADA Guest / Visitors : Make arrangements to receive guests of MHADA or the ministers visiting office. The PR Dept makes arrangement to receive the VIP guests, Top Bureaucrats during the MHADA's board meetings. The Dept also makes arrangement for the bouquets during the events.

LITERATURE : MHADA has an in house magazine "PARISAR PARICHAY" published quarterly. It is Edited/published by PR department. Preparation and printing of Telephone Diary for MHADA.

OTHER ACTIVITIES: The PR Dept hosts the flag hoisting programme on 26th January , the Republic Day and 15th August, Independence Day. MHADA has three guest houses including one VIP (AC room). The Booking for these rooms is done through the PR office. The VIP room is given only on the instruction from the VP's office. Assist in Preparation in drawal of lottery.

Finance Department The Finance Department is headed by Finance controller who is deputed from Maharashtra finance services Ceded and is assisted by Account officers and Asstistant Account officers. Functions Co-ordination, supervision and control of Accounts Branch. Control on all matters connected with Finance Budget, Budget and use of Authority's funds. Advice on financial matters. Preperation of Annual Accounts, replies to Audit Paras.

Auditing of accounts of offices under its control. Any other subject assigned by V.P./C.E.O./A.

Legal Department

Functions and Duties Co-ordination, Supervision and control of legal branch. Supervision of the entire litigation of the Authority and the Regional Boards. Briefing of counsels on important matters. Arranging to engage counsels to defend in various court cases for Authority and Regional Boards . Preperation of affidavits, written statement, Defence declarations etc. Giving legal advice/opinion to Authority and Regional Boards. Conveyancing work of Authority and Regional Boards. Drafting of rules and regulations, amendments thereof. Any other subject assigned by V.P. & CEO/A.

The Legal Department of MHADA is having a Legal Adviser as its head with one Dy. Legal Adviser and four Assistant Legal Advisers and one Legal Assistant to assist and deal with the legal matters. For the Regional Boards situated outside Mumbai City a panel of Advocates has been appointed for each of the Regional Boards to deal with the litigation matters of those Boards.

Q 2.How to and where to apply to get the possession of tenement or developed plot of the housing Boards ? Ans: The tenements /houses constructed by MHADA (Estate Management , selling, Conveyance, Transfer of tenements) are sold under provisions of Regulation 1981 by giving advertisement in the Newspaper by inviting applications. In the advertisement an appeal is made to public to buy the printed application forms in prescribed format by MHADA and submit them in given time. Generally one month's period is given to sell the application forms and the period given to accept the forms is around 45 days. Q 3. After the application how the tenements or plots are distributed? Ans : After the acceptance of application forms, scrutiny of the forms is done to check the first hand eligibility of the applicant and after that a date is declared through the newspapers for the lottery. The date of the lottery is declared in those news papers wherein the advertisement for the sale of application was given. . Q 4. Has Authority appointed any agents or brokers to sell its tenements ? Ans : No. Authority has not appointed any broker or agents to sell the tenements constructed by the Mumbai Housing and area Development Board. The marketing department of the board is capable and well equipped with sufficient staff and machinery. To sell the houses constructed by the boards, it takes help of certain Banks to sell and accept the application form from the public at its various branches. All the changes from time to time are made to public through advertisements. Q. 5. Can I apply at any time to get the flat? Ans: No You cannot. Because to sell the flats available with MHADA, an advertisement is given in the newspaper which will give all the details( kindly refer to Q. 2 for details.)

Q. 6. Can Husband and wife apply for the house separately? Ans: Husband and wife has freedom to apply separately and in more than one code numbers on certain terms and conditions. The couple has to declare their respective earnings in the application forms. If the wife is not earning then she can apply independently for the house by declaring the income of her husband. Econ mically Weaker Section Lower Income Group

Below Rs. 8000 /Betwe enRs.8,001/to Rs. 12,000/Betwe enRs.12,001/to Rs. 20,000/Betwe enRs.20,001/and above

Middl e Income Group Highe r Income Group

But if the husband and wife are selected in the lottery at both the places, they can be allotted only one flat from the lottery. The applicant has to surrender one of the flats to the Authority. Else the authority will take back/confiscate all the property allotted by it and legally sue the applicant as per the procedure. Q.7. What are the income limitations for applying for these flats. Ans: The Authority has set certain limitation for the allotment of its tenements. Before the allotment of the tenements the applicant's income is at first taken into consideration. The authority has decided three income groups -- LIG, MIG and HIG .

The income limitations for these categories are as follows.

Q. 8. Do we need to pay any amount and any document along with the application form? Ans: The applicant is not suppose to submit any document along with the application form but he/she will have to pay an amount called EMD ie Earnest Money Deposit, which is 10 per cent of the total cost of the flat. The EMD is paid in the form of pay order or demand draft. The DD/ Pay order of EMD shall be drawn in favor of "Mumbai Housing and Area Development Board A/c No.01000005984" payable at Mumbai. Any discrepancy or unsigned corrections in the form would lead to its cancellation. The details of the EMD would be mentioned in the advertisement and the information booklet, which will be given along with the application form. Q. 9. While applying for the new tenement, the old EMD pending with MHADA can be transferred for the new tenement in the new advertisement. Ans: The EMD is must along with the every application form. If the EMD paid once is pending with the Board for the previous advertisement and the applicant is on the waiting list, then there is no need to give the EMD but for that the applicant will have to submit a certificate signed by the Deputy chief officer (Estate Management). If the amount present EMD is more than the previous EMD, then the applicant has to make the extra payment besides the certificate. Q 10. When and what documents are required to be submitted to get the allotment of the flat.? Ans: A successful applicant in the lottery system, will receive an intimation letter wherein the list of documents will be mentioned. The applicant is asked to submit these documents to fix his/her eligibility. The list documents is as follows" 1. 2. 3. 4. 5. Domicile Certificate Income Certificate Affidavit for income(self employed who are not paying IT) Affidavit of Income of Spouse(In case of joint application) Affidavit for income in addition to the income from employment

6. proof of residence from the office of Tahsildar

Q. 11. Who can apply for the MHADA's tenements? Ans: The applicant who wants to apply for the tenements of the MHADA should fulfill following criterion : 1. . Applicants age shall be more than 18 years. 2. Applicant shall be Indian Citizen. 3. Applicant should be resident of Maharashtra for last 20 years out of which he should have 15 years continuous stay. For this necessary domicile certificate shall be necessary. Or applicant will have to produce authentic proof /s for proving his / her 15 years continuous stay in Maharashtra. 4. Applicant or his spouse should not own a residential property in his /her name in the Jurisdiction of Brihan Mumbai Municipal Corporation.

Q. 12. How the Successful candidate in the lottery gets the flat? Ans: When the lottery is declared, the successful applicant receives intimation letter according to which, the applicant has to submit documents asked in the letter. The Marketing department, on the basis of those documents fixes the eligibility of the Applicant. If the documents are not satisfactory, the department gives the applicant 15 days time limit to furnish the remaining documents. Else the application stands cancel in a month's period and applicant is informed by post accordingly. After fixing the eligibility, the applicant is given an offer letter wherein the exact location of the flat allotted to the applicant is mentioned and applicant is asked to make the payment which is 15 % of the total cost of the flat in 30 days. After the applicant makes this payment, he/she receives NOC from the department through which he/she can apply for loan from any bank. The applicant is now give 60 days period to arrange for the remaining cost of the flat which is 75 %. If the applicant fails to make the payment in the given 60 days period , he is given more 60 days as a grace period but then the applicant will have to pay 13 % per day/month interest on the same. Even if the applicant fails to make the payment in the grace period his allotment is deemed to be cancelled.

Q. 13. What all elements are included in the monthly installments after the Allotment of the flat? Ans : If the tenement is allotted on the lease rent basis then following elements are prominently included equal installments on remaining amount 1. 2. 3. 4. 5.
o o o o

Maintenance Land rent Civic tax N.A. tax Service tax water Rates extra expenses on water supply like water pump cleanliness and sweeping street lighting

Q.14. Can I make payment directly to the corporation towards its taxes? Ans: The amount of corporation tax for the each flat is not fixed. This tax is levied on the entire building and then equally divided to each tenement. If tenants of the building have formed a co-operative Housing society, then those registered CHS are allowed to pay the corporation tax directly to the corporation directly. Q. 15. Does the housing board have any reservations while allotting flats? Ans: The authority constructing houses for all strata of society on social housing concept, definitely has reservation quotas as follows : Categories 1) a) Scheduled Caste and Neo-buddhist b) Scheduled Tribes c) Nomadic Tribes d) De-notified Tribes Perce ntage 11% 6% 1 1/2 % 1 1/2 %

2) Journalist 3) Freedom Fighter 4) Handicapped/seriously ill, in desperate need of a house 5) Those employees or the next of kin of those employees of Defence or BSF who have been killed or disabled or declared missing in indo-china war of 1962 or indo-pak war of 1965 or 1971 and the relatives of those personnel disabled in these war or 6) Ex-servicemen and their dependents 7)All sitting and exmembers of parliament, State Legislative assembly, legislative council 8)Mhada employees 9) State government employees, and employees of all statutory bords, Authorities and corporation etc. (excluding MHADA) under the state government including those who have already retired. 10) Central govt employees occupying staff quarters and due or retirement within three years or those who have already retired 11) Artists in films, television, stage-drama, tamasha and radio and also those engaged in performing arts

2.5% 2.5.% 2% 2%

5% 2%

2% 5%



including painters , sculptors, craftsmen, musician (both vocal and instrumental ) dancers , poets kawwals or mimics. 12) Government desires Total General Public 2% 49% 51%

16. Can an application made for one reserved category is exchanged against another reserved category? Ans: No. The application made in one particular reserved category can not be exchanged with another reserved category. The scrutinized application received for the reserved categories if are less in number then can be considered for Scheduled caste category but the remaining tenements in other reserved categories can be converted into general public category. 17. Can the applicant remain present at the drawal of the lottery? Ans: yes he/she can. 18. In how many days, the EMD is returned.? Ans : After the lottery is declared the EMD is returned in a period of one week. And also those applicants whose applications are found ineligible in the scrutiny. 19. Does the full amount of EMD is returned after the Lottery? Ans : yes. If the Applicant fails to succeed in the lottery then full amount of EMD is returned. In case the applicant withdrew the application before the Withdrawal of lottery then 25 % from the amount of the EMD is deducted by the accounts department of Mumbai Board towards the administrative expenses and remaining amount is returned to the candidate. The candidates selected in lottery a) If the candidate delays to accept the allotted tenement or delays in paying the required amount b) If the candidates delays in taking possession of the tenement in specified period or c) After taking the possession of the allotted tenement , delays or refuses to be member of housing society, then his/her membership is deemed to be cancelled. His/her name will be deleted from the 'manyta' list as per the act.

STATEMENT SHOWING COMPLETED WORKS Under SRD Name of Scheme Mass Housing scheme at New Dindoshi, Malad (E). Location S.No. 239/1 (Pt), CTS No. 827 (E) at New Dinsoshi, Malad (E). Type of Scheme LIG MIG HIG Row House Shops Total No. Of Tenements 496 T/s. 364 T/s. 1148 T/s. 98 T/s. 14 Shops Area per Tenement (Carpet Area) 320.44 Sq.ft. 437.45 Sq.ft. 605.04 Sq.ft. 1104.36 Sq.ft. 235.00 Sq.ft. No. of Rooms per Tenements (One Bed, One Three Three (One Bed,Four(Two Bed,Five (Two Bed, OneOne Room One One Hall, One Kitchen) One Kitchen) One Kitchen) One Kitchen, Hall, Hall, Hall, One Study Room) + Terrace Year of Construction 2005 2005 2005 2005 2005

COMPLETED SCHEMES UNDER EE-I/SRD/M.B. Name of Scheme Location Type of Scheme Total No. Of Tenements Area per Tenement (Carpet Area) No. of Rooms per Tenements Year of Construction Redevelopment of Transit Camp at Patliputra, Oshiwara, Jogeshwari (E). S.No. 41B (Pt), CTS No. 1 (Pt) at Patliputra, Oshiwara, Jogeshwari (E). Transit T/s. LIG MIG 256 T/s. 180.00 Sq.ft. One (Multi Purpose Room) 2006 360 T/s. 321.00 Sq.ft. 588 T/s. 440.00 Sq.ft

Three (One Three (One Bed, One Hall, One Bed, One Hall, One Kitchen) Kitchen) 2006 2006


Name of Scheme Location Type of Scheme Total No. Of Tenements Area per Tenement (Carpet Area) No. of Rooms per Tenements Year of Construction

Redevelopment of Transit Camp at Bimbisar Nagar, Goregaon (E) S.No. 14B, CTS No. 268 (Pt) at Bimbisar Nagar, Goregaon (E) Transit T/s. 906 T/s. 180.94 Sq.ft. T/s. LIG MIG HIG Shops

376 784 T/s.

252 T/s. 34 Shops

320.4 437.4 571.57 180.94 4 Sq.ft. 5 Sq.ft. Sq.ft. Sq.ft. Three Thre Four (One Bed,(One e One Room (Two Bed, One (Multi Purpose Room) One Hall,Bed, One One Hall, One One Hall, One Kitchen) Kitchen) Kitchen) 2002 2002 2002 2002 2002

COMPLETED SCHEMES UNDER EE-I/SRD/M.B. Redevelopment of Transit Camp at Kannamwar Nagar, Vikhroli (E) Location CTS No. 356 at Kannamwar Nagar, Vikhroli (E). Type of Scheme LIG Scheme Total No. Of Tenements 62 T/s. Area per Tenement 323.00 Sq.ft. (Carpet Area) No. of Rooms per Three (One Bed, One Hall, One Kitchen) Tenements Year of Construction 2006. Name of Scheme

Name of Scheme Location Type of Schemes

: Redevelopment of Transit camp

: S. No.14, C.T.S. No.48 A, Sahakar Nagar, Chembur Transit LIG MIG HIG : T/s. T/s. T/s. T/s. : 520 155 140 308 Total No. of Tenements Area per Tenement (CA 320.4 437. : 180.94 571.57 in Sq. ft.) 4 45 M.P. 1 1 Rooms per tenement : 2BHK Room BHK BHK : 2008 Year of Construction

Name of Scheme Location Type of Schemes

: Redevelopment of Transit camp

: C.T.S. No.184, Kanara Engineering, Ghatkopar Transit MIG HIG : T/s. T/s T/s. : 295 28 56 Total No. of Tenements Area per Tenement (CA 438.0 572.0 : 181.00 in Sq. ft.) 0 0 M.P. 1 Rooms per tenement : 2BHK Room BHK : 2008 Year of Construction

Name of Scheme Location

: Redevelopment of Transit camp : C.T.S. No .1655,1663(p),1665,1671 at Shailendra Nagar Dahisar (E), Mumbai

Type of Schemes Total No. of Tenements Area per Tenement (CA in Sq. ft.) Rooms per tenement

: T/s. : :

Transit T/s 184 180

LIG T/s 62 330 1 BHK

HIG 28 640 2BHK

M.P. : Room : 2008 Year of Construction

Name of Scheme Location

: Composite Housing Scheme.

: S. No.239/1(p), C.T.S. No.827(E) at New Dindoshi, Malad (E). LIG MIG HIG Row Sho Type of Schemes : T/s. T/s. T/s. Houses ps : Total No. of 496 364 1148 98 14 Tenements Area per 437.4 605.0 235. : 320.44 1104.36 Tenement 5 4 00 (CA in Sq. ft.) 1 Rooms per : 1 BHK 2BHK 2BHK -BHK tenement Year of : 2004 Construction

: Constn. of 2198 T/s on land bearing S.No. 263(pt) CTS Name of Scheme No. 6A (pt), Malvani, Malad (W). Location Type of Schemes Total No. of Tenements : Malvani, Malad : Transit + EWS : 2198 T/s

Name of Scheme Locati on Type of Schemes

: Constn. of Mill Workers Ts & Transit Housing at New Hind Mill. : New Hind Mill compound, near Rambhau Bhogale Marg, Mazgaon, Mumbai . : Housing for Mill worker & Transit Housing

Area per Tenement (CA in Sq. ft.) Rooms per tenement Year of Construction

: 180 : 1 multipurpose, self contained tenements : 2008

Total No. of Tenements Area per Tenement (CA in Sq. ft.) Rooms per tenement Year of Construction

: 5220

: 225

: 1BHK (Living + Kitchen + Bed room) : 2008

The project of construction of 2198 T/s on land bearing CTS 6A (pt) S.No. 263 (part) at Malwani , Malad (W). is taken up by the office of Dy.C.E./PPD/MB through executing officer as Executive Engineer/Bandra Division/MB. The work of 1210 T/s is completed while the work of remaining 988 t/s is in progress.

Name of Scheme Location Type of Schemes Total No. of Tenements Area per Tenement Rooms per tenement Year of Construction

: Constn. of 2198 T/s on land bearing S.No. 263(pt) CTS No. 6A (pt), Malvani, Malad (W). : Malvani, Malad : Transit + EWS : 2198 T/s : 180 (CA in Sq. ft.) : 1 multipurpose, self contained tenements : 2008

Amenities to be provided in the Tenements.

Waterproof plaster Waterproof cement paint externally Oil bound distemper internally Flush polynorm doors. Sliding aluminum window Ceramic tile flooring & skirting Granite kitchen platform Stainless steel sink

The City and Industrial Development Corporation of Maharashtra or CIDCO is a city planning organization created by the Government of Maharashtra. CIDCO was formed on 17 March 1970 under the Indian Companies Act of 1956. Its purpose at the time of its creation was to develop a satellite town to Mumbai, Maharashtra India to ease traffic congestion, deficiency of open spaces and play fields, shortage of housing and over-concentration of industry in the metropolitan and suburban areas of the city. Mission CIDCO's corporate mission is to plan and create environment-friendly, model urban settlements with fullfledged physical and social infrastructure to meet residential, commercial and industrial need of

population at present and in the years to come.

Objectives of CIDCO
CIDCO was given a mandate to undertake all development as works and recoup the cost of development from the sale proceeds of land and constructed property. Based on the mandate, CIDCO set the following broad objectives for itself: 1. To prevent population influx into Mumbai, diverting it to the new town, by providing an urban alternative which will lure citizens wishing to relocate to a city of peace and comfort. 2. To absorb immigrants from other states and promote efficient and rational distribution of industries by preparing a ground for them who otherwise could have opted for Mumbai. 3. To provide basic civic amenities to all, and to elevate standards of living for people of all social and economic strata. 4. To offer a healthy environment and energizing atmosphere in order to utilize human resources at their fullest potentials.

Course of action
In order to achieve the goal CIDCO started the following activities:

Developing land and providing the required physical infrastructure such as roads, bridges, drainage and sewerage system, drinking water system, and street lights. Building enough stock of houses supported by social infrastructure like community centres, markets, parks, education institutes, and playgrounds. Promoting commercial activities, warehousing, transportation, and decentralisation of government administration. Involving agencies in the development of public transport and telecommunication.

The corporation is controlled by its highest body of management - the board of directors - appointed by the state government and day-today management is looked after by the Vice Chairman and Managing Director supported with the team consisting of joint managing directors, chief administrator (New Towns), heads of various departments, personnel from various technical and non-technical disciplines including officers, engineers and subordinate staff.

The Corporation, as a company, is managed as per the provisions contained in the Companies Act as well as the Memorandum of Articles of Association of the Corporation and the decisions are made through democratic process like head of the departments meetings, committee meetings, board meetings and general meetings. The annual reports on working and affairs of the company with audit reports are being regularly laid before the Houses of the state legislature. Considering the exigencies of business to be transacted the Board of Directors of CIDCO meet at least once in a month.

Board of Directors Organization Structure Departments and Functions Board of Directors

Shri Nakul Patil Chairman

Shri. G.S.Gill (IAS) Vice-Chairman & Managing Director

Shri. D.G.Jadhav Joint Managing Director Directors, CIDCO Ltd. Shri. Shri. T.C.Benjamin, IAS M.K.Srivastava, IAS Principal Secretary Secretary (UD-II) (UD-1) Urban Development

Urban Development Shri S.S Hussain (IAS)Chairman, JNPT Shri. Ratnakar Gaikwad (IAS) Metropolitan Commissioner, MMRDA

Shri. V.S. Shri S.S.Sandhu Nahata Divisional Commissioner, Navi Commissioner, Mumbai, Municipal Kokan Division Corporation Shri. Namdev R. Bhagat Director, CIDCO Shri.Subhash G. Bhoir Director, CIDCO

CIDCO at a Glance Building the future, Enriching the present

Walk through - Navi Mumbai Cidco Urban Haat Agri Koli Cultural Centre Cidco Exhibition Centre Cidco Training Institute We make cities

Photo Gallery


Roads & Bridges F


Q. Ans: Q. Ans: Q.

What are the general eligible criteria's for buying plots property from cidco? Should be an adult Indian citizen.

What is the mode Payment? All payments should be done by Demand draft or Pay order favoring CIDCO Ltd.


How and where do I get No objection Certificate for getting a Housing Loan from various agencies? One can get NOC from respective sections of the marketing department which has floated the scheme. Normally NOC for getting loan are available after paying registration/booking amount and after getting confirmed allotment

Q. Ans:

What are the constituents of miscellaneous charges? Normally miscellaneous are charges are paid before possession. They contain attributes other than the basic price of the property, which may vary from scheme to scheme What is maximum permissible FSI ?



Under normal circumstances FSI permitted for residential plots under 1000 sq m is 1.00 For residential cum commercial or commercial plots above 1000 sq m FSI permission is 1.5. For warehouse plots there is no FSI. Permissible FSI also varies from plot to plot depending on its shape and utility.

For further details contact planning dept. of CIDCO. Q. Ans: Q. Ans: What is EMD? Earnest Money Deposit collected from applicant applying for tender based property sale.

What is carpet area / built up area/ super built-up area? Carpet area is the inner area covering moving spaces in an apartment excluding walls and doors. Built-up area = carpet area + width of walls.

Super built-up area varies from scheme to scheme based on the structure of the building.

Q. Ans: Q. Ans:

Photo Gallery - Housing

NRI Complex

Business Park - Mahape

Gharkul Scheme

Niwara Scheme - New Panvel

Seawoods Estate Photo Gallery - Roads and Bridges

Gharonda Scheme

Housing Scheme Ghansoli-Gharonda Low Cost Housing Scheme at Ghansoli. 2792 Form 260 to 631 sq. Ft. From 2.26 lacs to 5.60 lacs M/s Architect Hafeez Architects Contractor M/s BGSCTL. Contractors Commencement of August 2003 Work February 2005 (Scheduled) Completion of ( 2206 houses ) Phase-I (586 houses) Nov. 2005 Completion of (Scheduled) Phase II Condomin No. of Remarks ium tenements Completed & handed A, B, C 1264 over Possession from Oct. 2005 Completed & handed F, G 942 over Possession from May 2006 Completed & handed D, E 586 over Possession from Aug 2006 Sector-9, Ghansoli Total houses Area of Houses Prices

HUDCO - Housing And Urban Development Corporation Ltd

HUDCO - Housing And Urban Development Corporation Ltd was

incorporated on 25th April 1970. HUDCO India was formed to assist various agencies and authorities in upgrading the housing conditions in the country. Special emphasis was laid on the development of housing facilities or HUDCO Niwas Yojana for the lower income group (LIG) and the economically weaker sections (EWS) of the society. Starting with an initial equity base of Rs. 2 crores, HUDCO India has a net worth of Rs. 3977 crores today. HUDCO Inc primarily aims to provide financing for housing developments. HUDCO Financial Services are the task of HUDCO Bank that has mobilized finances from:
o o o o

Financing institutions like LIC, GIC and other banking institutions International assistance from KfW, JBIC, ADB, USAID etc. Market borrowings through debentures, taxable and tax-free bonds Public deposits

HUDCO has been associated with not just housing development but the overall infrastructure development assistance. The activity areas of HUDCO include: HOUSING
o o o o o o o o o o o

Urban housing Rural housing Staff rental housing Repairs and renewal Shelter and sanitation facilities for footpath dwellers Workingwomen ownership condominium housing Housing through private builders/ joint sector Individual HUDCO housing loans and HUDCO home loan for construction and renovation through 'HUDCO Niwas' Land acquisition Valmiki Ambedkar Awas Yojana (VAMBAY) Jawahar Lal Nehru National Urban Renewal Mission (JLNNURM)

o o o o o

Integrated land acquisition and development Environmental improvement of slums Utility infrastructure Social infrastructure Economic and commercial infrastructure

o o

HUDCO Niwas - HUDCO home loans by HUDCO Bank Financing of Urban Development Projects and Industrial Products


o o

Building centres for technology transfer at grass-roots Building materials industries


Consultancy in housing, urban development and infrastructure

RESEARCH AND TRAINING CAPACITY Building and technical assistance to all borrowing agencies, research training and networking in human settlement planning and management. Along with the above services by HUDCO Inc, HUDCO also serves India as HUDCO Electric Supply Limited. HUDCO Electric is a wholesale distributor of electrical products to industrial, commercial and residential markets covering motor control, distribution products, wire and cable, lighting fixtures, conduit, boxes and fittings, electric heating, wiring devices and many other products. Other critical HUDCO services includes real estate development projects by HUDCO Delhi on behalf of the ministry of urban development on land allotted at Andrews ganj ( (HUDCO place) and Bhikaji Cama Place (HUDCO Vishala, HUDCO Trikoot and August Kranti Bhavan). These activities cover the states of Jammu & Kashmir, Punjab, Himachal Pradesh, Haryana, Rajasthan, Uttar Pradesh, Bihar, Tripura, West Bengal, Orissa, Andhra Pradesh, Tamil Nadu, Kerala, Karnataka, Maharashtra, Madhya Pradesh and Gujarat. For further info on HUDCO industrial products and HUDCO financial services including current HUDCO Home Loan and HUDCO Housing Loan Interest Rates, HUDCO Delhi, HUDCO Chennai, HUDCO Place, and also about the recruitment and careers at HUDCO refer to HUDCO website. CONTACT DETAILS: Corporate Office Address: Housing & Urban Development Corporation Limited HUDCO Bhawan, Core-7A, India Habitat Centre Lodhi Road, New Delhi - 110003 Phone: 91-11- 24649610-23 Fax: 91-11-24625308 Email: