Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 73
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 74
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

                trigger_error($message, E_USER_WARNING);

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    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr681998e5593d9-trace').style.display = (document.getElementById('cakeErr681998e5593d9-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr681998e5593d9-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr681998e5593d9-code').style.display = (document.getElementById('cakeErr681998e5593d9-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr681998e5593d9-context').style.display = (document.getElementById('cakeErr681998e5593d9-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr681998e5593d9-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The Centre wants all `kutcha&#039; houses to be replaced by durable, disaster-resistant structures by 2016-17. It forms the big expression of intent in the first-of-its-kind `rural housing and habitat policy&#039; that UPA may announce soon. &lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The government wants to engage NGOs in rural housing, a sector the voluntary organisations have shunned till now. The government feels the rural populace will benefit from NGOs in the field of &amp;quot;technology dissemination&amp;quot; and &amp;quot;skill upgradation&amp;quot;. &lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The `rural housing&#039; policy, being readied by the Union rural development ministry, aims to right the balance as urban housing has dominated the policy landscape till now. The government role in rural housing presently is limited to Indira Awas Yojana, where it funds houses for rural poor. But IAY&#039;s reach is limited by budgetary considerations while there is a need to give a strong push to address housing shortage across the board. &lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;The policy will help in giving uniform direction to all states though stray ones like Tamil Nadu, Kerala and Gujarat have started moving in this regard. &lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;According to the proposed policy, the states should provide `homestead&#039; land to the homeless and ensure finances in rural housing sector. Acknowledging that credit was not easily available for rural poor, with private sector shunning them, the policy aims to nudge financial institutions to offer credit for rural housing. It said movement of credit to these pockets should be flexible to facilitate repayment, like keeping in mind the irregular and seasonal income streams and low cash surpluses.&lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;Sources said RD ministry has set up a committee to list &amp;quot;bankable products&amp;quot; for rural housing like inter-subsidy scheme, housing shelter fund or even linking credit to people with flow of money like NREGA workers or self-help groups. &lt;/font&gt;
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&lt;font face=&quot;arial,helvetica,sans-serif&quot; size=&quot;3&quot;&gt;While seeking that `kutcha&#039; houses be replaced nationally by 2016-17, the policy wants to make rural houses &amp;quot;environment-friendly, energy-efficient and disaster-resistant&amp;quot;. It will entail a shift in design and material used for houses for poor. &lt;/font&gt;
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The Centre wants all `kutcha&#039; houses to be replaced by durable, disaster-resistant structures by 2016-17. It forms the big expression of intent in the first-of-its-kind `rural housing and habitat policy&#039; that UPA may announce soon. 


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The Centre wants all `kutcha&#039; houses to be replaced by durable, disaster-resistant structures by 2016-17. It forms the big expression of intent in the first-of-its-kind `rural housing and habitat policy&#039; that UPA may announce soon. 


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The Centre wants all `kutcha' houses to be replaced by durable, disaster-resistant structures by 2016-17. It forms the big expression of intent in the first-of-its-kind `rural housing and habitat policy' that UPA may announce soon. 


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                <strong>House that? All houses 'pucca' by 2017 by Subodh Ghildiyal</strong></h1>
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                <p align="justify"><font ></font></p><p align="justify"><br /><font >The Centre wants all `kutcha' houses to be replaced by durable, disaster-resistant structures by 2016-17. It forms the big expression of intent in the first-of-its-kind `rural housing and habitat policy' that UPA may announce soon. </font></p><p align="justify"><font >The government wants to engage NGOs in rural housing, a sector the voluntary organisations have shunned till now. The government feels the rural populace will benefit from NGOs in the field of &quot;technology dissemination&quot; and &quot;skill upgradation&quot;. </font></p><p align="justify"><font >The `rural housing' policy, being readied by the Union rural development ministry, aims to right the balance as urban housing has dominated the policy landscape till now. The government role in rural housing presently is limited to Indira Awas Yojana, where it funds houses for rural poor. But IAY's reach is limited by budgetary considerations while there is a need to give a strong push to address housing shortage across the board. </font></p><p align="justify"><font >The policy will help in giving uniform direction to all states though stray ones like Tamil Nadu, Kerala and Gujarat have started moving in this regard. </font></p><p align="justify"><font >According to the proposed policy, the states should provide `homestead' land to the homeless and ensure finances in rural housing sector. Acknowledging that credit was not easily available for rural poor, with private sector shunning them, the policy aims to nudge financial institutions to offer credit for rural housing. It said movement of credit to these pockets should be flexible to facilitate repayment, like keeping in mind the irregular and seasonal income streams and low cash surpluses.</font></p><p align="justify"><font >Sources said RD ministry has set up a committee to list &quot;bankable products&quot; for rural housing like inter-subsidy scheme, housing shelter fund or even linking credit to people with flow of money like NREGA workers or self-help groups. </font></p><p align="justify"><font >While seeking that `kutcha' houses be replaced nationally by 2016-17, the policy wants to make rural houses &quot;environment-friendly, energy-efficient and disaster-resistant&quot;. It will entail a shift in design and material used for houses for poor. </font></p><p align="justify"><font >The policy stretches the issue of housing to &quot;habitat development&quot;. It means civic amenities will be a must when houses for poor come up. While access to water, hygienic environment, power supply, medical care, education, livelihood and community infrastructure are some of the amenities in an ideal habitat, sources said necessary amenities were non-negotiable. </font></p><p align="justify"><font ></font></p>               </font>
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The Centre wants all `kutcha&#039; houses to be replaced by durable, disaster-resistant structures by 2016-17. It forms the big expression of intent in the first-of-its-kind `rural housing and habitat policy&#039; that UPA may announce soon. 


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The Centre wants all `kutcha&#039; houses to be replaced by durable, disaster-resistant structures by 2016-17. It forms the big expression of intent in the first-of-its-kind `rural housing and habitat policy&#039; that UPA may announce soon. 


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The Centre wants all `kutcha' houses to be replaced by durable, disaster-resistant structures by 2016-17. It forms the big expression of intent in the first-of-its-kind `rural housing and habitat policy' that UPA may announce soon. 


The government wants to engage..."/>
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                <strong>House that? All houses 'pucca' by 2017 by Subodh Ghildiyal</strong></h1>
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                <p align="justify"><font ></font></p><p align="justify"><br /><font >The Centre wants all `kutcha' houses to be replaced by durable, disaster-resistant structures by 2016-17. It forms the big expression of intent in the first-of-its-kind `rural housing and habitat policy' that UPA may announce soon. </font></p><p align="justify"><font >The government wants to engage NGOs in rural housing, a sector the voluntary organisations have shunned till now. The government feels the rural populace will benefit from NGOs in the field of &quot;technology dissemination&quot; and &quot;skill upgradation&quot;. </font></p><p align="justify"><font >The `rural housing' policy, being readied by the Union rural development ministry, aims to right the balance as urban housing has dominated the policy landscape till now. The government role in rural housing presently is limited to Indira Awas Yojana, where it funds houses for rural poor. But IAY's reach is limited by budgetary considerations while there is a need to give a strong push to address housing shortage across the board. </font></p><p align="justify"><font >The policy will help in giving uniform direction to all states though stray ones like Tamil Nadu, Kerala and Gujarat have started moving in this regard. </font></p><p align="justify"><font >According to the proposed policy, the states should provide `homestead' land to the homeless and ensure finances in rural housing sector. Acknowledging that credit was not easily available for rural poor, with private sector shunning them, the policy aims to nudge financial institutions to offer credit for rural housing. It said movement of credit to these pockets should be flexible to facilitate repayment, like keeping in mind the irregular and seasonal income streams and low cash surpluses.</font></p><p align="justify"><font >Sources said RD ministry has set up a committee to list &quot;bankable products&quot; for rural housing like inter-subsidy scheme, housing shelter fund or even linking credit to people with flow of money like NREGA workers or self-help groups. </font></p><p align="justify"><font >While seeking that `kutcha' houses be replaced nationally by 2016-17, the policy wants to make rural houses &quot;environment-friendly, energy-efficient and disaster-resistant&quot;. It will entail a shift in design and material used for houses for poor. </font></p><p align="justify"><font >The policy stretches the issue of housing to &quot;habitat development&quot;. It means civic amenities will be a must when houses for poor come up. While access to water, hygienic environment, power supply, medical care, education, livelihood and community infrastructure are some of the amenities in an ideal habitat, sources said necessary amenities were non-negotiable. </font></p><p align="justify"><font ></font></p>               </font>
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The Centre wants all `kutcha&#039; houses to be replaced by durable, disaster-resistant structures by 2016-17. It forms the big expression of intent in the first-of-its-kind `rural housing and habitat policy&#039; that UPA may announce soon. 


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The Centre wants all `kutcha' houses to be replaced by durable, disaster-resistant structures by 2016-17. It forms the big expression of intent in the first-of-its-kind `rural housing and habitat policy' that UPA may announce soon. 


The government wants to engage..."/>
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                <strong>House that? All houses 'pucca' by 2017 by Subodh Ghildiyal</strong></h1>
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                <p align="justify"><font ></font></p><p align="justify"><br /><font >The Centre wants all `kutcha' houses to be replaced by durable, disaster-resistant structures by 2016-17. It forms the big expression of intent in the first-of-its-kind `rural housing and habitat policy' that UPA may announce soon. </font></p><p align="justify"><font >The government wants to engage NGOs in rural housing, a sector the voluntary organisations have shunned till now. The government feels the rural populace will benefit from NGOs in the field of &quot;technology dissemination&quot; and &quot;skill upgradation&quot;. </font></p><p align="justify"><font >The `rural housing' policy, being readied by the Union rural development ministry, aims to right the balance as urban housing has dominated the policy landscape till now. The government role in rural housing presently is limited to Indira Awas Yojana, where it funds houses for rural poor. But IAY's reach is limited by budgetary considerations while there is a need to give a strong push to address housing shortage across the board. </font></p><p align="justify"><font >The policy will help in giving uniform direction to all states though stray ones like Tamil Nadu, Kerala and Gujarat have started moving in this regard. </font></p><p align="justify"><font >According to the proposed policy, the states should provide `homestead' land to the homeless and ensure finances in rural housing sector. Acknowledging that credit was not easily available for rural poor, with private sector shunning them, the policy aims to nudge financial institutions to offer credit for rural housing. It said movement of credit to these pockets should be flexible to facilitate repayment, like keeping in mind the irregular and seasonal income streams and low cash surpluses.</font></p><p align="justify"><font >Sources said RD ministry has set up a committee to list &quot;bankable products&quot; for rural housing like inter-subsidy scheme, housing shelter fund or even linking credit to people with flow of money like NREGA workers or self-help groups. </font></p><p align="justify"><font >While seeking that `kutcha' houses be replaced nationally by 2016-17, the policy wants to make rural houses &quot;environment-friendly, energy-efficient and disaster-resistant&quot;. It will entail a shift in design and material used for houses for poor. </font></p><p align="justify"><font >The policy stretches the issue of housing to &quot;habitat development&quot;. It means civic amenities will be a must when houses for poor come up. While access to water, hygienic environment, power supply, medical care, education, livelihood and community infrastructure are some of the amenities in an ideal habitat, sources said necessary amenities were non-negotiable. </font></p><p align="justify"><font ></font></p>               </font>
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<font face="arial,helvetica,sans-serif" size="3">The Centre wants all `kutcha' houses to be replaced by durable, disaster-resistant structures by 2016-17. It forms the big expression of intent in the first-of-its-kind `rural housing and habitat policy' that UPA may announce soon. </font>
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<font face="arial,helvetica,sans-serif" size="3">According to the proposed policy, the states should provide `homestead' land to the homeless and ensure finances in rural housing sector. Acknowledging that credit was not easily available for rural poor, with private sector shunning them, the policy aims to nudge financial institutions to offer credit for rural housing. It said movement of credit to these pockets should be flexible to facilitate repayment, like keeping in mind the irregular and seasonal income streams and low cash surpluses.</font>
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The Centre wants all `kutcha' houses to be replaced by durable, disaster-resistant structures by 2016-17. It forms the big expression of intent in the first-of-its-kind `rural housing and habitat policy' that UPA may announce soon. 


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<font face="arial,helvetica,sans-serif" size="3">The Centre wants all `kutcha' houses to be replaced by durable, disaster-resistant structures by 2016-17. It forms the big expression of intent in the first-of-its-kind `rural housing and habitat policy' that UPA may announce soon. </font>
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<font face="arial,helvetica,sans-serif" size="3">The government wants to engage NGOs in rural housing, a sector the voluntary organisations have shunned till now. The government feels the rural populace will benefit from NGOs in the field of &quot;technology dissemination&quot; and &quot;skill upgradation&quot;. </font>
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<font face="arial,helvetica,sans-serif" size="3">The `rural housing' policy, being readied by the Union rural development ministry, aims to right the balance as urban housing has dominated the policy landscape till now. The government role in rural housing presently is limited to Indira Awas Yojana, where it funds houses for rural poor. But IAY's reach is limited by budgetary considerations while there is a need to give a strong push to address housing shortage across the board. </font>
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<font face="arial,helvetica,sans-serif" size="3">The policy will help in giving uniform direction to all states though stray ones like Tamil Nadu, Kerala and Gujarat have started moving in this regard. </font>
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<font face="arial,helvetica,sans-serif" size="3">According to the proposed policy, the states should provide `homestead' land to the homeless and ensure finances in rural housing sector. Acknowledging that credit was not easily available for rural poor, with private sector shunning them, the policy aims to nudge financial institutions to offer credit for rural housing. It said movement of credit to these pockets should be flexible to facilitate repayment, like keeping in mind the irregular and seasonal income streams and low cash surpluses.</font>
</p>
<p align="justify">
<font face="arial,helvetica,sans-serif" size="3">Sources said RD ministry has set up a committee to list &quot;bankable products&quot; for rural housing like inter-subsidy scheme, housing shelter fund or even linking credit to people with flow of money like NREGA workers or self-help groups. </font>
</p>
<p align="justify">
<font face="arial,helvetica,sans-serif" size="3">While seeking that `kutcha' houses be replaced nationally by 2016-17, the policy wants to make rural houses &quot;environment-friendly, energy-efficient and disaster-resistant&quot;. It will entail a shift in design and material used for houses for poor. </font>
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<font face="arial,helvetica,sans-serif" size="3">The policy stretches the issue of housing to &quot;habitat development&quot;. It means civic amenities will be a must when houses for poor come up. While access to water, hygienic environment, power supply, medical care, education, livelihood and community infrastructure are some of the amenities in an ideal habitat, sources said necessary amenities were non-negotiable. </font>
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The Centre wants all `kutcha' houses to be replaced by durable, disaster-resistant structures by 2016-17. It forms the big expression of intent in the first-of-its-kind `rural housing and habitat policy' that UPA may announce soon. 


The government wants to engage...'
$disp = '<p align="justify"><font ></font></p><p align="justify"><br /><font >The Centre wants all `kutcha' houses to be replaced by durable, disaster-resistant structures by 2016-17. It forms the big expression of intent in the first-of-its-kind `rural housing and habitat policy' that UPA may announce soon. </font></p><p align="justify"><font >The government wants to engage NGOs in rural housing, a sector the voluntary organisations have shunned till now. The government feels the rural populace will benefit from NGOs in the field of &quot;technology dissemination&quot; and &quot;skill upgradation&quot;. </font></p><p align="justify"><font >The `rural housing' policy, being readied by the Union rural development ministry, aims to right the balance as urban housing has dominated the policy landscape till now. The government role in rural housing presently is limited to Indira Awas Yojana, where it funds houses for rural poor. But IAY's reach is limited by budgetary considerations while there is a need to give a strong push to address housing shortage across the board. </font></p><p align="justify"><font >The policy will help in giving uniform direction to all states though stray ones like Tamil Nadu, Kerala and Gujarat have started moving in this regard. </font></p><p align="justify"><font >According to the proposed policy, the states should provide `homestead' land to the homeless and ensure finances in rural housing sector. Acknowledging that credit was not easily available for rural poor, with private sector shunning them, the policy aims to nudge financial institutions to offer credit for rural housing. It said movement of credit to these pockets should be flexible to facilitate repayment, like keeping in mind the irregular and seasonal income streams and low cash surpluses.</font></p><p align="justify"><font >Sources said RD ministry has set up a committee to list &quot;bankable products&quot; for rural housing like inter-subsidy scheme, housing shelter fund or even linking credit to people with flow of money like NREGA workers or self-help groups. </font></p><p align="justify"><font >While seeking that `kutcha' houses be replaced nationally by 2016-17, the policy wants to make rural houses &quot;environment-friendly, energy-efficient and disaster-resistant&quot;. It will entail a shift in design and material used for houses for poor. </font></p><p align="justify"><font >The policy stretches the issue of housing to &quot;habitat development&quot;. It means civic amenities will be a must when houses for poor come up. While access to water, hygienic environment, power supply, medical care, education, livelihood and community infrastructure are some of the amenities in an ideal habitat, sources said necessary amenities were non-negotiable. </font></p><p align="justify"><font ></font></p>'
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House that? All houses 'pucca' by 2017 by Subodh Ghildiyal

The Centre wants all `kutcha' houses to be replaced by durable, disaster-resistant structures by 2016-17. It forms the big expression of intent in the first-of-its-kind `rural housing and habitat policy' that UPA may announce soon. The government wants to engage NGOs in rural housing, a sector the voluntary organisations have shunned till now. The government feels the rural populace will benefit from NGOs in the field of "technology dissemination" and "skill upgradation". The `rural housing' policy, being readied by the Union rural development ministry, aims to right the balance as urban housing has dominated the policy landscape till now. The government role in rural housing presently is limited to Indira Awas Yojana, where it funds houses for rural poor. But IAY's reach is limited by budgetary considerations while there is a need to give a strong push to address housing shortage across the board. The policy will help in giving uniform direction to all states though stray ones like Tamil Nadu, Kerala and Gujarat have started moving in this regard. According to the proposed policy, the states should provide `homestead' land to the homeless and ensure finances in rural housing sector. Acknowledging that credit was not easily available for rural poor, with private sector shunning them, the policy aims to nudge financial institutions to offer credit for rural housing. It said movement of credit to these pockets should be flexible to facilitate repayment, like keeping in mind the irregular and seasonal income streams and low cash surpluses. Sources said RD ministry has set up a committee to list "bankable products" for rural housing like inter-subsidy scheme, housing shelter fund or even linking credit to people with flow of money like NREGA workers or self-help groups. While seeking that `kutcha' houses be replaced nationally by 2016-17, the policy wants to make rural houses "environment-friendly, energy-efficient and disaster-resistant". It will entail a shift in design and material used for houses for poor. The policy stretches the issue of housing to "habitat development". It means civic amenities will be a must when houses for poor come up. While access to water, hygienic environment, power supply, medical care, education, livelihood and community infrastructure are some of the amenities in an ideal habitat, sources said necessary amenities were non-negotiable.