The National Urban Housing and Habitat Policy 2007 of the Ministry of Housing and Urban Poverty Alleviation, rightly recognises the massive housing shortage, pegged at around 25 million dwelling units. It is also clear that most of this shortage lies in the low- and middle-income segments, where the affordability is limited and the demand is huge. The question that has been staring at our face for the last several decades is how to address this challenge. Recently, Kamal Nath, the Minister for Urban Development was quoted urging the Delhi Development Authority to construct 2 lakh houses every year. That is a very laudable objective, but how are we going to do it? That is the question which needs to be addressed today.