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.

2. 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:

1. The Overseas Pakistanis/ Non-Resident Pakistanis (NRPs) holding NICOP/POC may also obtain financing under Wazir-e-Azam’s AGP.
2. The Participating Financial Institutions (PFIs) may make arrangements for institutional financing for government employees through department level bulk processing under the scheme.
3. The PFIs may extend financing for Private developer-led housing projects mode under the scheme.

3. Other instructions on the matter shall remain the same.