R Meenakshi Sundaram
GM and Chief Risk Officer
Indian Overseas Bank
The Government of Uttarakhand has achieved a remarkable transformation in the housing sector through two complementary initiatives: Affordable Housing by Private Developer on Private Land by Uttarakhand Awas Evam Vikas Parishad (UKAVP); and, the eASE App (One Stop Access to All e-General Services) by Uttarakhand Housing and Urban Development Authority (UHUDA). Together, they represent a convergence of policy innovation and digital transformation aimed at improving lives and governance outcomes across the state.
The Affordable Housing project emerged as a path-breaking response to Uttarakhand’s acute land scarcity and the growing demand for homes among the economically weaker sections (EWS). Implemented under the Pradhan Mantri Awas Yojana (Urban) guidelines, the initiative facilitated construction of 12,856 EWS units across 15 projects, all developed on private land contributed by private developers at their own cost. The state acted as facilitator, ensuring statutory clearances, financing support and transparent beneficiary selection through an online portal. The model maintained affordability by fixing sale prices and providing access to loans through cooperative banks. Achieving 80% physical progress by mid-2025, the project stands as a replicable model of inclusive urban development, successfully integrating social welfare with private enterprise and sound governance.
Complementing this, UHUDA’s eASE App has revolutionised administrative efficiency by bringing all urban development authorities under a single integrated digital platform. Implemented in 2020, it introduced automation in building plan approvals, grievance redressal, RTI management, HR systems and project monitoring across departments. The system’s auto-scrutiny, auto-escalation and deemed-approval features drastically reduced delays while ensuring transparency.
While UKAVP’s project provides a sustainable housing solution for thousands of low-income families, UHUDA’s eASE App ensures that such development is backed by data-driven and citizen-centric governance.