AD (Town Planning) • 2023 • Technical Paper-II
Which North-eastern has highest literacy rate?
A)
Mizoram
B)
Tripura
C)
Assam
D)
Meghalaya
Based on the 2011 Census of India (which is the standard reference for most competitive exams unless current year data is specified), Mizoram has the highest literacy rate among all the North-eastern states and one of the highest in India.
1. Mizoram: Approximately 91.33% literacy rate.
2. Tripura: Approximately 87.22% literacy rate.
3. Meghalaya: Approximately 74.29% literacy rate.
4. Assam: Approximately 72.19% literacy rate.
Comparing these figures, Mizoram clearly holds the highest literacy rate in the North-eastern region.
AD (Town Planning) • 2023 • Technical Paper-II
Least polluted city in North east is
A)
Guwahati
B)
Aizawl
C)
Imphal
D)
Kohima
Based on air quality indices (AQI) and environmental data reports for the North Eastern Region of India, Aizawl (Mizoram) consistently records some of the lowest levels of particulate matter (PM2.5 and PM10) compared to other major urban centers in the region.
1. Guwahati (Assam) is the largest city in the North East and suffers from significant pollution due to high traffic density, industrial activity, and geographical trapping of pollutants.
2. Imphal (Manipur) and Kohima (Nagaland) generally have better air quality than Guwahati, but Aizawl's specific topography and lower industrial footprint often place it as one of the cleanest cities in terms of air pollution in the region.
In the context of competitive exams for Town Planning and Environmental Quality, Aizawl is recognized for maintaining a lower pollution profile relative to the more industrialized or densely populated hubs of the North East.
AD (Town Planning) • 2023 • Technical Paper-II
Who will be decided EIA required or not?
A)
public
B)
consumer
C)
lead agency
D)
EIAS
In the Environmental Impact Assessment (EIA) process, the 'Screening' stage is the first critical step where it is determined whether a proposed project requires a full EIA or not. This decision is made by the 'Lead Agency' (also known as the Competent Authority or Regulatory Body). The lead agency evaluates the project based on established thresholds, the scale of the project, and the sensitivity of the environment in the affected area.
Why other options are incorrect:
- a. Public: The public is involved during the 'Public Hearing' or 'Public Consultation' phase, which occurs after the scoping or draft EIA report is prepared, not to decide if the EIA is required in the first place.
- b. Consumer: Consumers are end-users of a product or service and have no regulatory authority in the environmental clearance process.
- d. EIAS: This likely refers to an EIA Specialist or Consultant. While a consultant may provide technical advice or prepare the report, they do not have the legal authority to decide whether an EIA is legally required; that power rests with the government/regulatory lead agency.
AD (Town Planning) • 2023 • Technical Paper-II
Which of the ISO 14000 series of standards focuses on evaluation of environmental performance evaluation?
A)
14011
B)
14021
C)
14031
D)
14041
The ISO 14000 family is a set of international standards related to environmental management.
1. ISO 14031 specifically focuses on 'Environmental Performance Evaluation' (EpE). It provides a framework for organizations to measure, analyze, and evaluate their environmental performance to support management decisions.
Why other options are incorrect:
- ISO 14011: This standard dealt with environmental auditing procedures and criteria (though it has largely been superseded by ISO 19011).
- ISO 14021: This standard focuses on 'Environmental labels and declarations — Self-declared environmental claims' (Type II environmental labeling).
- ISO 14041: This standard focused on 'Life Cycle Assessment' (LCA) principles and framework (now integrated into the ISO 14040 series).
Therefore, for the evaluation of environmental performance, ISO 14031 is the correct standard.
AD (Town Planning) • 2023 • Technical Paper-II
Longevity is a proxy for in the Human Development Index.
A)
Health and Nutrition
B)
Living Standard
C)
Infant Mortality
D)
Purchasing Power Parity
The Human Development Index (HDI) is a composite statistic developed by the UNDP to measure average achievement in key dimensions of human development. It consists of three dimensions: 1. A long and healthy life (Health), 2. Knowledge (Education), and 3. A decent standard of living (Income).
1. Longevity is measured specifically by 'Life Expectancy at Birth'. Life expectancy serves as a proxy for the overall health and nutrition status of a population, as it reflects the quality of healthcare, nutrition, and sanitation available in a country.
2. Option (b) Living Standard is measured by GNI (Gross National Income) per capita.
3. Option (c) Infant Mortality is a health indicator, but the HDI specifically uses Life Expectancy (Longevity) as its primary proxy for the health dimension.
4. Option (d) Purchasing Power Parity (PPP) is the method used to adjust income figures to compare living standards across different countries, not a proxy for longevity.
AD (Town Planning) • 2023 • Technical Paper-II
Community housing example
A)
Gandhi Ashram
B)
Aranya Housing
C)
Kanchenjunga apartments
D)
IIM Dormitories
Aranya Low Cost Housing project in Indore, designed by architect B.V. Doshi, is a globally recognized example of community housing. It was designed with a 'site and services' approach, providing a basic infrastructure and a small core house, allowing residents to expand their homes incrementally based on their needs and resources. This approach fostered a strong sense of community ownership, social interaction, and organic growth.
Comparing the other options:
- Gandhi Ashram: Primarily a spiritual and social center/commune, not a designed 'community housing' project in the urban planning sense.
- Kanchenjunga Apartments: A high-rise luxury residential building in Mumbai, representing private vertical housing rather than community-centric social housing.
- IIM Dormitories: These are institutional residential facilities (hostels) for students, which differ from community housing intended for permanent residential living and social integration.
AD (Town Planning) • 2023 • Technical Paper-II
EIA is consuming process.
A)
Time
B)
Preventive
C)
Control
D)
Short term
Environmental Impact Assessment (EIA) is a comprehensive process that involves several rigorous stages, including screening, scoping, baseline data collection, impact prediction, mitigation planning, public hearing, and final review. Because it requires extensive field surveys (often across different seasons), technical modeling, and legal consultations, it is widely recognized in urban planning and environmental management as a 'time-consuming' process.
Analysis of other options:
- b. Preventive: While EIA is a preventive tool (it aims to prevent environmental degradation), the sentence structure 'EIA is consuming process' requires a noun that describes what is being 'consumed.' 'Preventive' is an adjective describing the nature of the tool, not something that is consumed.
- c. Control: EIA provides a basis for control, but it does not 'consume control.'
- d. Short term: EIA is generally not a short-term process; it is a detailed study that takes significant time to complete before a project is approved.
AD (Town Planning) • 2023 • Technical Paper-II
What is the uniqueness of Affordable Housing in Partnership (AHP)?
A)
Rental Housing
B)
In-situ Slum Rehabilitation
C)
Compensatory F.A.R
D)
Credit Linkage for Subsidy
Affordable Housing in Partnership (AHP) is a key component of the Pradhan Mantri Awas Yojana (PMAY). Its primary uniqueness lies in the 'In-situ Slum Redevelopment' (ISSR) approach. Under AHP, the government partners with private developers to utilize the land occupied by slums for the construction of houses. The uniqueness is that the land is leveraged as a resource; the private developer builds houses for the slum dwellers on a portion of the land, and in exchange, they are allowed to develop the remaining land commercially or residentially for sale in the open market.
Why other options are incorrect:
- a. Rental Housing: This falls under the ARHCs (Affordable Rental Housing Complexes) scheme, which is a separate vertical from AHP.
- c. Compensatory F.A.R: While Floor Area Ratio (FAR) incentives are often used to make AHP projects viable, the 'uniqueness' of the AHP model itself is the rehabilitation of slum dwellers on their own land (In-situ).
- d. Credit Linkage for Subsidy: This refers to the Credit Linked Subsidy Scheme (CLSS), which is a financial mechanism applicable across various PMAY verticals, not unique to AHP.
AD (Town Planning) • 2023 • Technical Paper-II
Which one of the following is the correct order for Planned Housing?
A)
People — Land — House — Services
B)
Land —People— House — Services
C)
Land — Services — House — People
D)
Services — Land — People — House
In the context of Urban Planning and Planned Housing, the process follows a logical sequence based on demand and resource allocation.
1. **People**: The process begins with the identification of the target population (the demand). Planners must first determine who the housing is for (income group, family size, and demographic needs) to define the requirements.
2. **Land**: Once the demand is established, suitable land is identified and acquired. Land use planning ensures the site is appropriate for residential development and accessible.
3. **House**: After securing the land, the physical structures (houses) are designed and constructed based on the needs of the people identified in step one.
4. **Services**: Finally, the housing is integrated with essential services (water supply, electricity, sewage, roads, and social infrastructure) to make the housing habitable and sustainable.
Other options are incorrect because they suggest acquiring land or services before knowing the target population (the primary driver of planning) or building houses before securing the land.
AD (Town Planning) • 2023 • Technical Paper-II
Which of the following is also cailed Detritivore?
A)
Herbivores
B)
Carnivores
C)
Decomposers
D)
None of these
A detritivore is an organism that feeds on detritus (dead organic material), such as decaying plants and animal parts. Decomposers (which include both detritivores like earthworms and microorganisms like fungi and bacteria) break down this organic matter, returning essential nutrients to the soil. While there is a technical distinction in advanced biology—detritivores physically ingest the matter (fragmentation) and decomposers chemically break it down (secretion of enzymes)—in the context of general competitive examinations, 'Decomposers' is the correct categorical match for detritivores.
Why other options are incorrect:
- Herbivores: Organisms that eat only plants (primary consumers).
- Carnivores: Organisms that eat other animals (secondary/tertiary consumers).
- None of these: Incorrect because 'Decomposers' fits the functional role of a detritivore.
AD (Town Planning) • 2023 • Technical Paper-II
High-rise housing design examples
A)
Aranya Housing
B)
Belapur Housing
C)
Tara apartments
D)
Kanchenjunga Apartments
Step-by-step reasoning:
1. Analyze the options based on architectural typology and height:
- Aranya Housing (Indore): Designed by B.V. Doshi, this is a famous example of low-rise, low-cost site-and-services housing focused on community growth and incremental housing.
- Belapur Housing (Navi Mumbai): Also designed by B.V. Doshi, this project focuses on low-to-mid-rise clustered housing with a strong emphasis on open spaces and courtyards.
- Tara Apartments: This is not a widely recognized landmark example of high-rise housing in the context of standard town planning and architecture examinations.
- Kanchenjunga Apartments (Mumbai): Designed by Joseph Allen Stein, this is a renowned high-rise residential building in Mumbai, known for its structural innovation and verticality.
2. Conclusion: Among the given options, Kanchenjunga Apartments is the only one that fits the definition of a 'high-rise' housing design example.
AD (Town Planning) • 2023 • Technical Paper-II
EIA is study to delineate between beneficial and detrimental impacts.
A)
Micro
B)
Action
C)
Proposed
D)
Macro
Environmental Impact Assessment (EIA) is a systematic process used to evaluate the potential environmental effects of a 'proposed' project or development before it is carried out. The primary objective of an EIA is to identify, predict, and evaluate the beneficial (positive) and detrimental (negative) impacts of the proposed action on the environment. By analyzing the proposed project, decision-makers can implement mitigation measures to reduce negative impacts or decide whether the project should proceed.
- 'Micro' and 'Macro' (Options a and d) refer to the scale of analysis (small-scale vs. large-scale) but are not the standard terms used to describe the subject of the EIA study in this context.
- 'Action' (Option b) is too generic; while an EIA evaluates an action, the technical term for the project under review is the 'proposed action' or 'proposed project'.
AD (Town Planning) • 2023 • Technical Paper-II
Vernier scale is used in which of the following methodology?
A)
Horizontal angle
B)
Direction
C)
Vertical angle
D)
Marine survey
A Vernier scale is a precision device used to measure small fractions of the smallest division on a main scale. In surveying, specifically when using a Theodolite, the Vernier scale is primarily employed to read the horizontal circle to determine the horizontal angle between two points with high accuracy. While vertical angles are also measured, the primary and most characteristic application of the Vernier system in traditional surveying instruments (like the transit theodolite) is for the reading of the horizontal circle. Option (b) 'Direction' is a result of the measurement, not the methodology. Option (d) 'Marine survey' is a broad field of surveying that uses various tools, not a specific methodology for a Vernier scale. Therefore, in the context of standard surveying equipment, the Vernier scale is most fundamentally associated with the measurement of horizontal angles.
AD (Town Planning) • 2023 • Technical Paper-II
What is a contingency plan?
A)
A set of guidelines ensuring that the development project will remain within its boundaries.
B)
Aplan of actions to prevent an emergency and to be taken when emergencies occur.
C)
A plan describing the measures that will be taken to contain or treat any waste produced by the development project.
D)
None of these
A contingency plan is a proactive strategy designed to help an organization or project respond effectively to a significant future event or situation that may or may not happen. In the context of Environmental Management and Town Planning, it specifically refers to the 'Plan B'—a set of predefined actions to mitigate risks, prevent emergencies, and provide a structured response when an unforeseen crisis (such as a chemical spill, natural disaster, or structural failure) occurs.
Analysis of options:
- Option (a) describes boundary control or zoning guidelines, not a contingency plan.
- Option (b) correctly identifies the dual nature of contingency planning: prevention (mitigation) and response (action during the emergency).
- Option (c) describes a Waste Management Plan or an Effluent Treatment Plan, which is a specific operational procedure rather than a general contingency plan for emergencies.
AD (Town Planning) • 2023 • Technical Paper-II
Which of the following does not include in the method of the topological survey?
A)
Vertical distance
B)
Horizontal distance
C)
Direction
D)
Difference in elevation
A topological survey (more commonly referred to as a topographic survey) is designed to determine the relative positions of points on the earth's surface. This involves three primary components: 1. Horizontal distance (the distance between two points projected onto a horizontal plane), 2. Direction (the angle or bearing between points to establish their relative orientation), and 3. Difference in elevation (the vertical distance between two points, often represented by contours). While 'Difference in elevation' is a vertical measurement, 'Vertical distance' as a standalone term in surveying typically refers to the direct line-of-sight distance or a specific height measurement that is a result of the difference in elevation, rather than a primary method of mapping the terrain. In the context of standard surveying terminology for topographic mapping, we measure horizontal distances, directions (angles), and the difference in elevation (vertical interval). 'Vertical distance' is redundant or imprecise compared to 'Difference in elevation' when describing the methodology of a topographic survey.
AD (Town Planning) • 2023 • Technical Paper-II
How many biogeographical zones are there in India?
A)
4
B)
6
C)
8
D)
10
India is divided into 10 distinct biogeographical zones based on the distribution of flora and fauna, climate, and topography. These zones are: 1. Trans-Himalayas, 2. Himalayas, 3. Desert, 4. Semi-arid, 5. Western Ghats, 6. Deccan Peninsula, 7. Gangetic Plain, 8. Coasts, 9. North-East, and 10. Islands. Options a, b, and c are incorrect as they do not represent the standard classification used by ecologists and the Ministry of Environment, Forest and Climate Change (MoEFCC) for India's biogeography.
AD (Town Planning) • 2023 • Technical Paper-II
Which of the following salts is the main cause of permanent hardness of water?
A)
Magnesium sulphate
B)
Magnesium bicarbonate
C)
Magnesium carbonate
D)
None of these
Hardness of water is caused by the presence of multivalent metallic cations, primarily Calcium (Ca2+) and Magnesium (Mg2+). It is classified into two types:
1. Temporary Hardness: Caused by the bicarbonates of calcium and magnesium (e.g., Magnesium bicarbonate). This can be removed by boiling the water, which decomposes the bicarbonates into insoluble carbonates.
2. Permanent Hardness: Caused by the chlorides and sulphates of calcium and magnesium (e.g., Magnesium sulphate, Calcium sulphate, Magnesium chloride). These salts cannot be removed by boiling and require chemical treatment (like ion exchange or lime-soda process) for removal.
Evaluating the options:
- Option (a) Magnesium sulphate: A sulphate salt, which causes permanent hardness. Correct.
- Option (b) Magnesium bicarbonate: A bicarbonate salt, which causes temporary hardness. Incorrect.
- Option (c) Magnesium carbonate: While carbonates contribute to hardness, the 'permanent' classification specifically refers to the non-bicarbonate salts like sulphates and chlorides. Incorrect.
AD (Town Planning) • 2023 • Technical Paper-II
How many stages are there in EIA?
A)
5
B)
3
C)
2
D)
4
Environmental Impact Assessment (EIA) is a systematic process used to evaluate the environmental consequences of a proposed project. While different regulatory bodies may break down the process into various sub-steps, the standard EIA process is generally categorized into 4 primary stages: 1. Screening (determining if an EIA is required), 2. Scoping (identifying the key issues and boundaries of the study), 3. Impact Analysis/Assessment (predicting and evaluating the magnitude of impacts), and 4. Mitigation/Management (proposing measures to avoid or reduce adverse effects). Some frameworks include 'Monitoring' or 'Public Hearing' as separate steps, but in the context of standard competitive examinations for Town Planning and Environmental Management, the core process is typically recognized as having 4 fundamental stages. Therefore, option (d) is the most accurate representation of the core EIA cycle.
AD (Town Planning) • 2023 • Technical Paper-II
PMGSY, a program of Government of India, deals with
A)
Urban Employment Generation
B)
Rural Employment Generation
C)
Rural Electrification
D)
Rural Road Development
PMGSY stands for 'Pradhan Mantri Gram Sadak Yojana'. It is a centrally sponsored scheme launched by the Government of India in December 2000. The primary objective of this program is to provide all-weather road connectivity to unconnected habitations in rural areas, thereby enhancing rural connectivity and promoting socio-economic development.
Analysis of other options:
- Option (a) Urban Employment Generation: This is handled by schemes like DAY-NULM (Deendayal Antyodaya Yojana-National Urban Livelihoods Mission).
- Option (b) Rural Employment Generation: This is primarily the focus of MGNREGA (Mahatma Gandhi National Rural Employment Guarantee Act).
- Option (c) Rural Electrification: This is handled by programs such as DDUGJY (Deen Dayal Upadhyaya Gram Jyoti Yojana) and Saubhagya.
AD (Town Planning) • 2023 • Technical Paper-II
Community participation is encouraged in
A)
RAY
B)
IAY
C)
PMGSY
D)
PMC
Step-by-step reasoning:
1. **RAY (Rajiv Awas Yojana)**: Launched with the objective of making cities 'slum-free', RAY specifically emphasizes a 'partnership' approach. It encourages community participation through the formation of Community Based Organizations (CBOs) and involves the urban poor in the planning, implementation, and management of their housing and infrastructure.
2. **IAY (Indira Awas Yojana)**: While it provided housing for the rural poor, it was primarily a demand-driven government subsidy scheme focused on individual house construction rather than a community-led urban planning framework.
3. **PMGSY (Pradhan Mantri Gram Sadak Yojana)**: This is a rural road connectivity program. While it involves local administration, it is a civil engineering infrastructure project, not a community-participatory housing scheme.
4. **PMC (Project Management Consultant/Committee)**: This is a functional role or entity used in project execution, not a specific government housing scheme.
Therefore, among the given options, RAY is the scheme most explicitly designed to integrate community participation into the urban housing process.
AD (Town Planning) • 2023 • Technical Paper-II
HRIDAY expands as
A)
Heritage City Development and Augmentation Yojana
B)
Heritage Revitalising Institute for Development and Amplification Yojana
C)
Himachal Heritage Restoration Institute for Development and Augmentation Yojana
D)
Himachal Pradesh Heritage Restoration Institute for Development and Augmentation Yojana
HRIDAY stands for 'Heritage City Development and Augmentation Yojana'. It is a centrally sponsored scheme launched by the Ministry of Housing and Urban Affairs (MoHUA), Government of India, in 2015. The primary objective of the scheme is to preserve and revitalize the rich heritage of cities in India, focusing on improving the urban infrastructure, enhancing the experience of tourists, and ensuring the sustainable development of heritage precincts.
Analysis of options:
- Option (a) is the correct official expansion of the acronym.
- Option (b) incorrectly uses 'Revitalising Institute' and 'Amplification'.
- Option (c) and (d) incorrectly suggest the scheme is specific to 'Himachal' or 'Himachal Pradesh', whereas HRIDAY is a national-level scheme applicable to various heritage cities across India.
AD (Town Planning) • 2023 • Technical Paper-II
In which one of the following environments does one expect the presence of dispersed rural settlements?
A)
Arid and semi-arid regions ot Kajasthan
B)
Alluvial plains of ganga
C)
Lower valleys of Himalayas
D)
Forest and hills in north-east
Step-by-step reasoning:
1. **Understanding Dispersed Settlements**: Dispersed (or isolated) settlements are characterized by houses being spaced far apart from one another. This pattern typically occurs in regions where resources (like water or fertile land) are scarce, or where the terrain is rugged, forcing inhabitants to live on separate farmsteads or near isolated water sources.
2. **Analyzing Option (a)**: In the arid and semi-arid regions of Rajasthan, water is a scarce resource. Settlements are often dispersed because people settle near isolated wells, oases, or scattered patches of cultivable land to maximize the use of limited water resources for their livestock and crops.
3. **Analyzing Option (b)**: The alluvial plains of the Ganga are highly fertile with abundant water. This leads to high population density and 'nucleated' or 'clustered' settlements where houses are grouped closely together.
4. **Analyzing Option (c)**: The lower valleys of the Himalayas often feature 'linear' settlements (along roads or rivers) or 'clustered' settlements in the flat valley floors where agriculture is viable.
5. **Analyzing Option (d)**: While forests and hills in the North-East can have dispersed elements, they are more commonly characterized by 'hamlets' or small clustered villages based on tribal social structures and specific valley locations.
6. **Conclusion**: Among the given choices, the extreme environmental constraints of the arid/semi-arid regions of Rajasthan most strongly necessitate a dispersed settlement pattern to manage resource scarcity.
AD (Town Planning) • 2023 • Technical Paper-II
The process removes Carbon dioxide from the atmosphere is
A)
Deforestation
B)
Burning of fossil foil
C)
Photosynthesis
D)
Respiration
The question asks for the process that removes carbon dioxide (CO2) from the atmosphere.
1. **Photosynthesis (Correct):** This is the biological process used by plants, algae, and some bacteria to convert light energy into chemical energy. During this process, they take in carbon dioxide from the atmosphere and water from the soil to produce glucose and release oxygen as a byproduct. Therefore, it acts as a 'carbon sink'.
2. **Deforestation (Incorrect):** This is the removal of forests. Since trees absorb CO2, removing them reduces the earth's capacity to remove CO2 from the air. Furthermore, burning or decaying trees release stored carbon back into the atmosphere.
3. **Burning of fossil fuels (Incorrect):** Fossil fuels (coal, oil, gas) contain carbon stored over millions of years. Burning them releases this carbon into the atmosphere as CO2, contributing to the greenhouse effect.
4. **Respiration (Incorrect):** This is the process by which living organisms produce energy. In aerobic respiration, organisms take in oxygen and release carbon dioxide as a waste product, thereby adding CO2 to the atmosphere.
AD (Town Planning) • 2023 • Technical Paper-II
Which economic section in India has the maximum shortage in housing sector?
A)
HIG
B)
MIG
C)
LIG
D)
EWS
In the context of housing economics in India, housing shortage is measured not just by the absolute number of units, but by the accessibility and affordability for different income groups.
1. **EWS (Economically Weaker Sections):** This group consists of the lowest income bracket, including slum dwellers and homeless populations. Due to extreme poverty, lack of credit access, and rapid urbanization, the gap between the demand for basic shelter and the available supply is highest in this category. Most government housing schemes (like PMAY) specifically target this group because the shortage is most acute here.
2. **LIG (Low Income Group):** While there is a significant shortage for LIG, it is generally lower than that of the EWS category, as LIG households have slightly more purchasing power or access to subsidized loans.
3. **MIG (Middle Income Group) and HIG (High Income Group):** These sections typically face 'affordability' or 'preference' issues rather than a fundamental 'shortage' of shelter. The private real estate market primarily caters to these groups, ensuring that the supply of housing for HIG and MIG is relatively more stable compared to the bottom of the pyramid.
Therefore, the maximum shortage of adequate and affordable housing is found in the EWS section.
AD (Town Planning) • 2023 • Technical Paper-II
Which one of the following organisations responsible for implementation of scheme at local level?
A)
HUDCO
B)
ULB
C)
NHB
D)
Housing Board
In the context of urban governance and the implementation of government schemes (such as PMAY, AMRUT, or SBM), the 'local level' refers to the city or town administration.
1. **ULB (Urban Local Body)**: These are the local self-government institutions (such as Municipal Corporations, Municipal Councils, or Nagar Panchayats) that have the direct mandate, administrative machinery, and legal authority to implement schemes on the ground at the local level.
2. **HUDCO (Housing and Urban Development Corporation)**: This is primarily a financing agency (a company) that provides loans and technical services for urban infrastructure; it is not a local governing body.
3. **NHB (National Housing Bank)**: This is the apex regulatory body for housing finance institutions in India; it operates at a national level to regulate and promote housing finance.
4. **Housing Board**: While Housing Boards implement specific housing projects, they are typically state-level agencies (State Housing Boards) rather than the general local governance body responsible for the broad implementation of various urban schemes across a municipality.