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The Kerala Single Dwelling Place Protection Act, 2025

The Kerala Single Dwelling Place Protection Act, 2025

General202532 sections8 chapters

The Kerala Single Dwelling Place Protection Act, 2025, is a social welfare legislation designed to protect low-income families from losing their only home due to loan defaults. It applies to individuals who have mortgaged their single dwelling place to financial institutions for specific purposes like education, medical treatment, marriage, or agriculture. The Act establishes District and State-level committees to evaluate cases where families face foreclosure. If eligible, the government may intervene by rearranging loan terms, paying off the debt, or providing alternative housing. This ensures that vulnerable citizens are not rendered homeless due to financial distress.

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Chapter I PRELIMINARY →

  1. 1Short title and commencement
  2. 2Definitions

Chapter II PROTECTION OF SINGLE DWELLING PLACE →

  1. 3Declaration as to giving effect to the directive principle
  2. 4Protection of single dwelling place
  3. 5Eligibility criteria

Chapter III THE DISTRICT LEVEL DWELLING PLACE PROTECTION COMMITTEE →

  1. 6Constitution of the District Level Dwelling Place Protection Committee
  2. 7Composition of the District Level Dwelling Place Protection Committee
  3. 8Application
  4. 9Powers and functions of the District Level Dwelling Place Protection Committee
  5. 10The headquarters of the District Level Dwelling Place Protection Committee
  6. 11Officers and Staff
  7. 12Meeting, quorum, proceedings etc

Chapter IV THE STATE LEVEL DWELLING PLACE PROTECTION COMMITTEE →

  1. 13Constitution of the State Level Dwelling Place Protection Committee
  2. 14Composition of the State Level Dwelling Place Protection Committee
  3. 15Powers and functions of the State Level Dwelling Place Protection Committee
  4. 16Procedure relating to repayment
  5. 17Special provision regarding surety
  6. 18The headquarters of the State Level Dwelling Place Protection Committee
  7. 19Officers and Staff
  8. 20Meeting, quorum, proceedings etc

Chapter V APPEAL →

  1. 21Appeal

Chapter VI ACCOUNTS AND AUDIT etc. →

  1. 22Accounts and Audit
  2. 23Budget
  3. 24Annual Report

Chapter VII FUND →

  1. 25Fund

Chapter VIII MISCELLANEOUS →

  1. 26Administrative Department of the Act
  2. 27Power of the Government to give direction
  3. 28The Act shall not be derogatory to the proceedings under other laws
  4. 29Power of civil court
  5. 30Protection of action taken in good faith
  6. 31Power to remove difficulties
  7. 32Power to make rules

PDF: pending for this language.