India’s country report on housing finance system prepared by UNESCAP and National Housing Bank, India. It includes brief description of the country, housing conditions and housing policies, housing finance system, pro-poor housing programs, expanding housing finance, and conclusions and recommendations. The housing situation for the lower income urban segments is quite poor. They typically live in dingy small single room units with shared toilets, poor living conditions, subject to constantly rising rents, harassed by landlords, etc.