In recent years 'Sites and Services' (S/S) projects have been one of the most widely applied tools to facilitate the low income urban population in terms of incremental rather than the conventional housing. In India too, these projects have been replicated on a large scale in all types of towns. The present study thus tends to look into the main constraints in the financing, generation, realisation and absorption processes; in order to suggest how this S/S approach can be more effectively applied to facilitate the low-income urban population in the wider context of improvements in the access to shelter and infrastructure and urban community development. The case study representation belonged to small and intermediate cities of India: Kota in Rajasthan and Ghaziabad in Uttar Pradesh. The study indicates the city of Kota experience to be a failure when compared to the better conceived case of Ghaziabad. Finally, the implications of such studies on policy formulation and the replicability of S/S projects in a similar context are the major issues that form the broad objectives of this study.