Regulatory Alerts2026-06-15 | SH&SFD Circular Letter No. 03 of 2026Added · Updated
Wazir-e-Azam Apna Ghar Program Multi-Channel Implementation Strategy Additions
The Government of Pakistan has approved a multi-channel implementation strategy for the Wazir-e-Azam Apna Ghar Program, introducing three specific additions to the scheme. Participating Financial Institutions are now authorized to provide financing to Overseas Pakistanis and Non-Resident Pakistanis holding NICOP or POC, facilitate institutional financing for government employees through department-level bulk processing, and extend financing for private developer-led housing projects. These amendments expand the eligibility criteria and operational modes available under the program while other existing instructions remain unchanged.
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SH&SFD Circular Letter No. 03
Wazir-e-Azam Apna Ghar Program (AGP) - Ghar Ho Tu Apna Multi-Channel Implementation Strategy
June 15, 2026
38896
The Presidents/ Chief Executives All Banks/HBFCL/MFBs
Dear Sir/Madam,
Wazir-e-Azam Apna Ghar Program (AGP) - Ghar Ho Tu Apna Multi-Channel Implementation Strategy
Please refer to SH&SFD Circular No. 03 of 2025 and SH&SFD Circular Letter No. 1 of 2026 regarding the subject program.
- In this regard, the Government of Pakistan has approved multi-channel implementation strategy for Wazir-e-Azam’s-AGP and introduced following additions in the scheme:
The Overseas Pakistanis/ Non-Resident Pakistanis (NRPs) holding NICOP/POC may also obtain financing under Wazir-e-Azam’s AGP.
The Participating Financial Institutions (PFIs) may make arrangements for institutional financing for government employees through department level bulk processing under the scheme.
The PFIs may extend financing for Private developer-led housing projects mode under the scheme.
- Other instructions on the matter shall remain the same.
Yours sincerely,
Dr. Muhammad Saleem Head of Department
Home — Circulars — SH&SFD Circular Letter No. 03
Wazir-e-Azam Apna Ghar Program (AGP) - Ghar Ho Tu Apna Multi-Channel Implementation Strategy
June 15, 2026