Almost a quarter (23.8 per cent) of the households who are in urban India to eke out some kind of an existence have no proper houses to live in. India’s 79 million urban households faced an 18.8 million shortage of houses in 2012, says an official report. This quarter, at the bottom of the pyramid for the most part, lives in ‘informal housing’, essentially slums – an integral part of urban India. And if India does not change its ways this shortage will rise to 38 million by 2030, warns McKinsey, the consultancy.Mumbai. . .