Section Overview
10 lakh new houses over 5 years (5 lakh under Kalaignar Kanavu Illam, plus others), extension to Panchayat union areas, and continuation of housing for Sri Lankan Tamils and tribal communities.
Summary Ratings
| Fiscal Pressure | Economic Benefit | Social Benefit | Implementation Risk |
| HIGH | HIGH | HIGH | LOW |
Proposal-by-Proposal Analysis
The table below provides fiscal cost estimates and impact ratings for the principal proposals in this section.
| Key Proposal | Fiscal Cost Estimate | Economic Benefit | Social Benefit |
| 10 lakh total new houses over 5 years | Government cost per unit: ₹3.5–5 lakh (rural) to ₹8–12 lakh (urban multi-storey). Avg ₹6 lakh × 10 lakh units = ₹60,000 cr over 5 years = ₹12,000 cr/yr. Central PMAY subsidy ~₹1.5L/unit reduces state share. | HIGH | HIGH |
| 5 lakh under Kalaignar Kanavu Illam specifically | State contribution: ₹3–4 lakh × 5 lakh = ₹15,000–20,000 cr over 5 years. | HIGH | HIGH |
| Extension to Panchayat Union areas | ~1 lakh units in peri-urban areas: ₹500–700 cr/yr additional. | MEDIUM | HIGH |
Analytical Notes
⚑ Analytical Note: Housing is among the highest social dividend programmes. The current term completed 8.67 lakh units – among the highest in TN history. A 10 lakh target over 5 years is ambitious but achievable given the existing construction machinery. At ₹12,000 crore/year, housing alone would consume ~3% of TN’s annual budget. Central PMAY co-funding reduces state exposure. Construction of 10 lakh units also generates ~25–30 lakh person-years of employment in the construction sector.
