The Physicalcharacteristic of the Present Day Houses In the Country Reflects Various Phasesof the Evolutionary Process In the Socio-Cultural Growth of the Country. Thereis a Growing Demand For Recognition of Housing As Basic Human Right. Providingadequate Housing Is the Responsibility of the State. In a Large Country Likelndia, Natural Diversities, Geographical and Climatic Extremes and Socio-Economic Disparities Have Enhanced the Magnitude of the Problem of Housing. Therural Urban Divide Is a Glaring Example of the Disparity. This Paper Hasdesigned to Analyze Housing Finance Schemes In District Udhham Singh Nagaruttarakhand.