It is about time that interest inn low cost housing is gaining some interest. When more than 70% of Indian Population lives in/or below the LIG Level than we can not talk about development until we provide a Roti, Kapada, MAKAN and Health for majority of the people. When most of the people talk about Low Cost Housing, it automatically implies Lower cost of Construction. Construction can only save 10-15% of the cost, it can not make house affordable. I gave a talk in Mumbai more than a year ago that was covered by some of the local news channels and I talked about creative financing. Creative Financing is the only way we can make housing affordable to the masses.