Rural Housing

First time in India a mass housing programme was implemented by “KADAMBA”, an NGO in Uttara Kannada District, Karnataka. The Government of Karnataka had taken initiatives for this rural housing scheme in 2001-2002 under “The Rajiv Gandhi Rural Housing Corporation Limited” in association with the Syndicate Bank. The RGRHCL provided subsidy component and Syndicate bank was associated through loan for individuals. The programme involved Gram Panchayats and Taluk Panchayats for its transparent implementation in Uttara Kannada district.


The National Housing Bank noticed the project and appraised as it was “The model for all housing schemes implemented in India”.

  • 100% beneficiaries of the scheme were BPL women.
  • Beneficiaries were identified by the local Village Panchayat with the assistance of Kadamba village communities.
  • Houses were constructed by the beneficiaries themselves.
  • Almost all of the beneficiaries paid their all installments well before the recovery period of 12 years.

Kadamba Foundation through its wide network of volunteers from village committees conducted extensive awareness programs in remote rural pockets and identified the beneficiaries. Accordingly Kadamba focused on income generation schemes among these beneficiaries so as to assist them repaying the loan. This proved to be the key to the success of the project. Kadamba Foundation worked in a war footing to achieve the goal.

No. of Gram Panchayat covered 65
No. of houses built 1804
Loan Rs. 30,000/per house
Subsidy Rs. 10,000/ per house
Total Rs.40000/ per house
Credit support through Bank RS. 3.608 Crs.
Subsidy Rs. 1.804 Crs.
Total Rs. 5.224 Crs.
Recovery 100%
Rural Housing Details
Sl No Taluk No of benefeciaries
1 Ankola 161
2 Bhatkal 220
3 Honnavar 148
4 Kumta 268
5 Mundgod 95
6 Siddapur 319
7 Sirsi 539
8 Yellapur 137
Total 1918
  • Kadamba Foundation signing agreement with Syndicate Bank for 2000 houses in Uttara Kannada district

  • Inauguration function of Kadamba Rural Housing (Syndkuteer)in Kumta (Uttara Kannada )

    The Genaral Manager for Syndicate Bank innaugurated the event addressed the challeges and convey valuable guidance.

  • Mr, Mohan Shetty (MLA from Kumta) is Distributing the cheques for the beneficiaries

  • Hon’ble Member of Parliament Shri Anantkumar Hegde is Inaugurating the “Rural Housing” scheme (Syndkuteeer) of Kadamba

  • The inauguration of Syndkuteer (Kadamba Rural Housin) and cheque distribution program on 15-10-2005 at Murdeshwar

  • The beneficiaries at Murdeshwar

  • The DC of Uttara Kannada district (Shri Ritesh Kumar Singh)in syndkuteer event at Murdeshwar

  • The executive director from Syndicate bank Shri, Prakash Malya innaugurated the Synd Kuteer program and distributed the cheques to the beneficiaries

  • Model house after complition

  • Shri Uday Kumar- AGM- The National Housing Bank had visited one of our beneficiaries house before cunstruction along with Mr.Subhas Mundur (CEO-Kadamba)

  • The Kadamba had provided the numerous training programs on income genarating activites for the Synd Kuteer beneficiaries (Women)

  • Kadamba Awareness and Training camps for all the Synd Kuteer beneficiaries.

  • The wide publicity has been given in all the leading news papers and electronic media for the succussfull implementation of “Syndkuteer” scheme

    The project was praised and considerd as a succussful model housing project by National Housing Bank(NHB)-New Delhi