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This study explores affordable housing challenges in Surat, focusing on gaps in supply, accessibility, and equity. Using policy analysis, spatial mapping, and stakeholder insights, it evaluates public and PPP models under PMAY-U and MMGY. It identifies key issues such as poor connectivity, limited private participation, and lack of senior living options. The study proposes integrated, climate-resilient, and financially viable strategies to guide future public housing development in Surat.