thoughts of gurudev on housing let me start with the rabindra nath tagore owning a dream house reflecting pangs our teeming millions who do not own and wish to have one long did i cherish desire neither for wealth nor fame but tiny tucked away in corner earth where could be my outline india national bank an overview focus areas strategies products basic human necessity supporting economic activities second largest employment generator next agriculture has forward backward linkages over 250 ancillary industries every rupee spent construction estimated 75 80 paise is added gdp goi created enabling fiscal monetary legal environment industry growth last 5 years physical terms 3 0 pa financial 30 contribution about 6 percentage mortgage debt 8 50 e 2005 06 still way below china s 12 malaysia 22 hong kong 40 us 65 some facts residential stock 187 1 m census 2001 condition houses