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By:

Bhalchandra Chorghade

11 August 2025 at 7:24:18 pm

CIDCO struggles to find takers for its homes

Mumbai: The City and Industrial Development Corporation’s (CIDCO) latest housing scheme has exposed a recurring challenge for the planning authority: finding buyers for its large housing inventory despite its affordable-housing focus. The August 2026 scheme offered 4,793 homes in Taloja, Kharghar and Kalamboli and received 4,180 confirmed applications before bookings closed on September 3. While CIDCO described the response as strong, 613 homes—nearly 13 per cent of the inventory—had no...

CIDCO struggles to find takers for its homes

Mumbai: The City and Industrial Development Corporation’s (CIDCO) latest housing scheme has exposed a recurring challenge for the planning authority: finding buyers for its large housing inventory despite its affordable-housing focus. The August 2026 scheme offered 4,793 homes in Taloja, Kharghar and Kalamboli and received 4,180 confirmed applications before bookings closed on September 3. While CIDCO described the response as strong, 613 homes—nearly 13 per cent of the inventory—had no confirmed applicant. This follows earlier schemes with similar gaps. In January 2025, CIDCO’s ‘My Preferred Home’ scheme, offering around 26,000 homes across Navi Mumbai, attracted 1.36 lakh initial applications. However, only about 55,000 applicants paid the registration fee and around 22,000 deposited the required earnest money, leaving serious participation below the number of homes offered. A CAG-linked report on two CIDCO housing schemes in Kharghar found that, of 4,814 saleable tenements, allotment letters had been issued to 3,733 applicants and possession handed over to 3,317. Four years after the draw, 1,081 tenements remained unsold. CIDCO has also faced scrutiny over marketing expenditure. In 2023, reports questioned the appointment of private agencies to market and allot PMAY homes, stating that the agencies had received advances of more than Rs 100 crore before sales took place. CIDCO officials said external support was necessary given the scale of the programme. The scale of investment adds to the concern. CIDCO’s mass-housing programme envisaged 68,515 homes at an estimated cost of around Rs 15,300 crore. A 2024 report noted that thousands of completed homes were awaiting sale, locking up capital and increasing the authority’s financial burden. The latest homes are located in Taloja Sector 39, Kalamboli Bus Depot and Kharghar Bus Depot. Taloja accounts for 4,229 homes, followed by 257 in Kalamboli and 293 in Kharghar. Indicative prices range from around Rs 23.50 lakh in Taloja to Rs 37.70 lakh in Kalamboli and Rs 43.50 lakh in Kharghar. The figures point to a possible mismatch between what CIDCO considers affordable and what its target buyers can finance. Industry experts have noted that EWS homes priced at Rs 25 lakh or more may be difficult for households within the prescribed income ceiling, particularly after registration, stamp duty, floor-rise charges and other costs. Location may also influence demand. Taloja has seen rapid development and improved connectivity, including metro access, but buyers continue to weigh its distance from established employment centres and social infrastructure, as well as commuting costs. CIDCO maintains that its housing programme meets a genuine need in Navi Mumbai. Ashwin Mudgal, Vice Chairman and Managing Director, CIDCO, said, “The overwhelming response to the housing scheme reflects the aspirations of citizens to own a home in Navi Mumbai and their continued confidence in CIDCO’s planned development initiatives. CIDCO remains committed to providing affordable and quality housing opportunities in well-planned locations, enabling citizens to benefit from the region’s growing infrastructure and connectivity.” The authority has also highlighted the Pradhan Mantri Awas Yojana-Urban (PMAY-U) subsidy, under which eligible beneficiaries can receive Rs 2.5 lakh, subject to applicable guidelines and eligibility criteria. However, the repeated unsold inventory suggests that CIDCO’s challenge extends beyond construction. Pricing, apartment configurations, location, payment flexibility and connectivity may need to be reassessed before further public resources are committed.

Why Education Never Wins Elections

The enduring weakness of India’s education policy lies not in reform design, but in the absence of an organised constituency that turns learning into leverage.

A longtime reader once told me my writing on education was “good writing” but “idealistic.” I was irritated at the time. How can education, the one subject every parent worries about, be called idealistic? But two recent editions of India Today forced me to reconsider. A January commemorative issue arranged the country’s past across decades. The February 9, 2026 Mood of the Nation survey measured the public’s present concerns. Read together, they revealed something unsettling: the reader was not entirely wrong. Education appears idealistic in politics not because it is unimportant, but because democracies assign urgency differently.


This pattern did not begin in recent decades. It existed from the very start of the Republic. In the years after Independence, education featured prominently in planning and commissions. Universities expanded and literacy was invoked as central to development. Yet from 1947 to the mid-1970s, education never entered electoral mobilisation. The new republic was preoccupied with food shortages, refugee rehabilitation, linguistic reorganisation and economic survival. Education was necessary but not electorally urgent. It was treated as a long-term responsibility of the state, not a campaign issue.


Recurring Challenge

Across decades, the country repeatedly faced the same governing challenge: how to hold together a vast, diverse and developing democracy while maintaining both legitimacy and control. Each era produced its own answer. The 1970s emphasised authority. The 1980s foregrounded representation. The 1990s prioritised markets and growth. The 2000s expanded welfare rights. The 2010s stressed delivery and governance. Today, technology and state capacity shape expectations.


There is another revealing detail. From Independence to the present, the Ministry of Education has overwhelmingly been led by career politicians; only two ministers broadly identifiable as educationists have held the portfolio. Yet even then, education did not become a central electoral plank. The explanation therefore cannot lie only in political leadership. It lies in democratic incentives.


Those incentives shape policy priorities. Education policy rarely operated as an independent national mission; instead, it followed the larger political needs of the state. School expansion supported national integration. Universalisation addressed social justice. Private education grew alongside economic reform. The Right to Education expanded access during the welfare phase. Learning assessments and digital tracking emerged in the governance phase. Today’s emphasis on foundational literacy and skills connects to economic competitiveness.


Delayed Returns

The Mood of the Nation survey, conducted by India Today and published in its February 2026 edition, shows what voters reward governments for: leadership, welfare delivery, national security, inflation control and employment prospects. Citizens can see a road, receive a subsidy, notice a price rise or judge national standing abroad. Education is different: its outcomes appear slowly, often years after a government’s tenure, and are difficult to attribute to a single administration.


In electoral politics, visibility determines accountability. Education offers delayed returns, and issues become political when they mobilise constituencies — what old political language called man, money, muscle, or at least nuisance value. Farmers can organise, employees can strike and welfare beneficiaries can vote collectively. Education has no comparable vote bank.


Parents care deeply about their own child’s schooling, but the concern remains private. Families respond individually by choosing schools, paying tuition, investing in coaching rather than collectively negotiating with the state for better public education. Employers complain about skills but rarely mobilise politically around school quality. The result is a paradox: education matters intensely to individuals but weakly to politics.


Education has no vote bank not because people don’t care about it, but because everyone cares about it separately. Democracy responds to organised citizens, not anxious individuals.


Coaching centres, often treated as a distortion, are a social adaptation. Schools ensure certification and progression; coaching assures performance. Where classroom learning is uncertain, families seek predictability. The response is economic, not political.


Governments respond to what they can demonstrate within an electoral cycle. A highway can be inaugurated in three years; a welfare programme can show beneficiaries within months. Improvements in classroom practice require patient institution-building — better teacher preparation, mentoring and curriculum reform — and results may only be visible a decade later. By then, the credit belongs to no one in particular.


The consequence is not deliberate neglect but structural postponement. Every administration announces education reform. None depends on it for electoral survival.


Prioritizing Education

Democracies do not automatically prioritise the most important issues. They prioritise the most demanded ones. Which brings me back to the reader who called my writing ‘idealistic.’ Perhaps the word was not a dismissal but a diagnosis. Education appears idealistic in politics because no organised constituency insists upon it. We worry about it individually, invest in it privately and discuss it endlessly, but rarely demand it collectively.


Education will stop sounding idealistic the day we treat it not as a personal aspiration but as a public expectation. When voters insist on learning as firmly as they insist on roads, prices or employment, it will not need advocacy.


Education has never had the advantages of traditional political causes. It does not command organised money, does not mobilise muscle and rarely produces immediate political reward. Families manage the problem privately, so politics never feels compelled to solve it publicly. The missing vote bank is not a new group waiting to be discovered. It already exists but has never acted together.


The question, therefore, is not whether governments care about education. It is whether we as citizens will make it impossible to ignore. When communities ask elected representatives about learning with the same persistence with which they ask about roads, water and prices, education will cease to be a policy discussion and become a political one. And on that day, education will no longer be called idealistic. It will simply be democratic.


(The writer is a learning and development professional. Views personal.)

1 Comment


Dr Anuradha,

Very insightful and well written. You state: Education appears idealistic in politics because no organised constituency insists upon it.

Question: how do you suggest this be done? It would be good to put down some thoughts on this and share through key stakeholder forums.

Happy to hear you.

Bhaskar Natarajan

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