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Difference Between Kutcha House and Pucca House

Sep 21, 2023
Difference Between Kutcha House and Pucca House

Housing, a basic necessity, comes in a variety of forms, each with its own set of characteristics that shape the lives and well-being of its inhabitants. Among the various housing types, two broad classifications are: the kutcha house and the pucca house. These houses are quite different from one another, and we'll look at their distinguishing features as well as the benefits and drawbacks they bring.

What is Kutcha House?

A kind of house where the walls are made up of bamboo, mud, grass, reed, stones, thatch, straw, leaves, and unburnt bricks is known as a kutcha house or a kaccha house. The materials used to build kutcha houses are easily found in the forest and other natural surroundings in the area where they are constructed.

The construction of kutcha houses typically involves a more basic and informal approach compared to permanent, brick-and-mortar structures.

Types of Kutcha Houses:

Kutcha houses are basic, traditional dwellings constructed using natural and locally available materials. They are broadly classified into two types:

1. Serviceable Kutcha House:

A serviceable kutcha house is a temporary or basic dwelling constructed of low-quality, often improvised materials such as bamboo, mud, thatch, or other similar materials. These houses are not built to last for a long time and may be lacking in amenities and infrastructure.

2. Non-serviceable Kutcha House

Structures that are no longer functional, habitable, or safe for occupancy due to deterioration, damage, or other factors are classified as non-serviceable kutcha houses. These houses may have deteriorated to the point where they cannot be repaired or are unfit for habitation.

Must Read: Home Loan up to Rs. 8 Lakh

What is Pucca House?

A "pucca house" or a pakka house is a permanent, well-constructed, and long-lasting dwelling made of modern and durable materials such as bricks, concrete, cement, steel, and other building materials. They are frequently outfitted with necessary amenities such as plumbing, electricity, insulation, and ventilation systems.

Pucca houses are designed to withstand a variety of weather conditions and have a longer lifespan, making them ideal for long-term habitation.

Types of Pucca Houses:

Pucca houses come in a variety of shapes and sizes to accommodate a wide range of preferences, needs, and lifestyles. Here are some examples of common pucca houses:

1. Apartments:

They are multi-unit residential buildings in which each unit, referred to as an apartment or flat, is a separate living space. The size of apartments can range from small studios to larger multi-bedroom units.

2. Bungalows:

They are single-story houses with a spacious layout and an emphasis on providing easy access to all rooms. They are known for their open and airy design and frequently have a front porch or veranda.

3. Mansions:

They are large, luxurious homes with multiple floors and extensive grounds. They are distinguished by grand architecture, spacious rooms, high-end finishes, and elaborate details and designs.

Must Read: Home Loan up to Rs. 30 Lakh

Differences Between Kutcha House And Pucca House

1. Materials used:

Kutcha House: Kutcha houses are made from basic and natural materials such as mud, bamboo, thatch, grass, and palm leaves.

Pucca House: Pucca houses are constructed with modern and long-lasting materials such as bricks, concrete, cement, steel, and other building materials.

2. Mostly owned by:

Kutcha House: Lower-income or marginalised communities frequently own kutcha houses, particularly in rural or underdeveloped areas.

Pucca house: They are typically owned by individuals or families with a higher socioeconomic status and can be found in urban or suburban settings.

3. Durability:

Kutcha House: Due to the use of natural and less robust materials, kutcha houses have limited durability and may necessitate frequent repairs and maintenance.

Pucca House: Due to the use of modern construction materials and techniques, pucca houses are designed to be more durable and have a longer lifespan.

4. Amenities:

Kutcha House: Plumbing, electricity, insulation, and ventilation are common problems in kutcha houses.

Pucca House: Plumbing, electricity, heating, insulation, and ventilation systems are all standard features of pucca houses.

5. Cost of construction:

Kutcha House: Kutcha houses are generally less expensive to build at first because they use locally available and inexpensive materials.

Pucca House: Due to the use of modern and long-lasting materials, pucca houses have higher construction costs.

6. Weather resistance:

Kutcha House: These houses may not withstand extreme weather conditions, causing residents discomfort during severe weather.

Pucca House: Due to the use of modern construction materials, pucca houses are built to last and are more resistant to weather, pests, and decay.

7. Safety concerns:

Kutcha House: The structural integrity of kutcha houses may be jeopardised, posing safety risks to residents.

Pucca House: Pucca houses are more structurally sound and provide better protection against natural disasters, increasing the safety of residents.


At SMFG Grihashakti, we understand the importance of finding the perfect home. We are here to help you along your journey, whether you want to own a kutcha house that reflects your heritage or a pucca house that will stand the test of time. You can apply for a home loan online, get affordable interest rates, have flexible repayment terms, and take advantage of SMFG Grihashakti's convenient EMI options. Apply for a home loan, TODAY!

Disclaimer: *Please note that this article is for your knowledge only. Loans are disbursed at the sole discretion of SMFG Grihashakti. Final approval, loan terms, disbursal process, foreclosure charges and foreclosure process will be subject to SMFG Grihashakti’s policy at the time of loan application. If you wish to know more about our products and services, please contact us.

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