Yes, the Apna Ghar scheme in Sindh is open. The federal Wazir-e-Azam (PM) Apna Ghar Programme covers Islamabad, all four provinces, Gilgit-Baltistan and AJK. You can borrow up to Rs10 million at 5% for the first 10 years. Apply online at apnaghar.gov.pk or at any bank branch. Punjab's interest-free Apni Chhat Apna Ghar and Apni Zameen Apna Ghar are for Punjab residents only.
Many families in Karachi, Hyderabad, Peshawar and Quetta search for the "apna ghar scheme sindh" or "apna ghar scheme kpk" and land on Punjab pages. That causes confusion. This guide explains which scheme you can actually use in your province. It also covers how to apply step by step and which provincial housing schemes are running in 2026.
Quick Facts (October 2026)
| Detail | Information |
|---|---|
| Scheme open in Sindh, KPK, Balochistan | Wazir-e-Azam Apna Ghar Programme (federal) |
| Launched | 30 April 2026, Islamabad |
| Areas covered | ICT, Punjab, Sindh, Khyber Pakhtunkhwa, Balochistan, Gilgit-Baltistan, AJK |
| Loan (qarza) | Slabs of Rs2.5m, Rs5m, Rs7.5m and Rs10m (maximum) |
| Markup | 5% fixed for 10 years, then market rate |
| Tenure | Up to 20 years |
| Your share (equity) | At least 10% of the cost |
| House size | Up to 10 marla; flats up to 1,500 sq ft |
| Apply | apnaghar.gov.pk or any participating bank branch |
| Bank decision time | Within 15 working days of a complete file |
| Last date | No closing date announced |
Apna Ghar Scheme Sindh and KPK: Is It Open?
Yes. Prime Minister Shehbaz Sharif launched the programme on 30 April 2026. Dawn reported that it covers the federal capital, all four provinces, Gilgit-Baltistan and Azad Jammu and Kashmir. So a family in Larkana, Mardan, Turbat or Gilgit has the same rights as a family in Lahore.
The target is 500,000 houses with total financing of Rs3.2 trillion. On 14 October 2026 the government said 75,198 loans worth Rs448 billion had been approved nationwide. About Rs76 billion has already reached roughly 14,000 borrowers. No province-wise split has been published.
The loan comes from banks, not from your provincial government. That is why the process is the same in every province. For full scheme details, see our PM Apna Ghar Programme guide.
Why Punjab schemes do not work in Sindh or KPK
Punjab's Apni Chhat Apna Ghar (ACAG) gives an interest-free loan of up to Rs1.5 million. Its official rules require you to be a permanent resident of Punjab as per your CNIC. Apni Zameen Apna Ghar (AZAG) gives free 3-marla plots, also only to Punjab residents. If your CNIC shows a Sindh, KPK or Balochistan address, these two schemes are not for you.
Which Scheme Covers Which Province
| Scheme | Who runs it | Where it applies | Main benefit | Status (Oct 2026) |
|---|---|---|---|---|
| Wazir-e-Azam Apna Ghar | Federal govt + banks | ICT, Punjab, Sindh, KPK, Balochistan, GB, AJK | Loan up to Rs10m at 5% | Open |
| Apni Chhat Apna Ghar (ACAG) | Punjab govt | Punjab only | Interest-free loan up to Rs1.5m | Open (Punjab) |
| Apni Zameen Apna Ghar (AZAG) | Punjab govt (PHATA) | Punjab only | Free 3-marla plot | No new window announced |
| Sindh People's Housing for Flood Affectees (SPHF) | Sindh govt | Flood-hit districts of Sindh | Rs300,000 grant to rebuild | Ongoing; surveyed families only |
| Ehsaas Apna Ghar | KP govt + Bank of Khyber | Khyber Pakhtunkhwa only | Interest-free loan up to Rs1.5m | No 2026 round announced |
| Gwadar fishermen housing | Balochistan govt / GDA | Gwadar | 120 sq yd plots | Land demarcation began July 2026 |
How to Apply From Sindh or KPK: Step by Step
There is no separate "Sindh form" or "KPK form". The apna ghar scheme online registration 2026 in Sindh and the apna ghar scheme kpk online apply process both use the federal portal. The steps below follow the portal flow reported by ProPakistani in May 2026.
- Open apnaghar.gov.pk. Create an account with your name, CNIC, mobile number, email and password.
- Log in with your CNIC and password, then click Apply Now.
- Choose your income type: salaried, business, or informal/other.
- Pick your bank, city and branch. Salaried people should choose the bank where their salary comes.
- Select the purpose (buy a house or flat, build on your plot, or buy a plot and build) and the loan amount.
- Enter your equity share, the property's city and the tenure.
- Fill in personal details. Choose Sindh, Khyber Pakhtunkhwa or your area in the province and district fields.
- Add a co-applicant and guarantor if needed. Upload your photo.
- Enter your net monthly income, after deductions.
- Upload clear scans of your documents, review everything and submit.
Prefer a branch? Walk into any participating commercial bank, Islamic bank, microfinance bank or HBFC office in your city. Staff can file the same application for you. For screenshots of each screen, read our login and portal guide.
Eligibility: Federal Scheme vs Provincial Schemes
The federal scheme is a bank loan, so the bank checks whether you can repay. Provincial schemes target poorer families and use stricter rules.
| Rule | PM Apna Ghar (all provinces) | Punjab ACAG | KP Ehsaas Apna Ghar |
|---|---|---|---|
| Residence | Any Pakistani with a CNIC | Punjab resident | KP resident |
| First home only | Yes | Must own a small plot | Must own the land |
| Poverty (PMT) score | Not required | PMT 60 or below | Not stated |
| Income | Bank checks repayment capacity | Not in official rules | Reported below Rs150,000/month |
| Interest | 5% for 10 years | 0% | 0% |
| Selection | Bank approval | Verification | Computerised ballot |
For the federal scheme you must be a first-time homeowner. You must not have used another government housing scheme. ARY News reported that employees of banks, DFIs and microfinance banks are not eligible.
Documents Required
On 14 October 2026, the government cut the mandatory documents from 25 to 5. The official list of the five has not been published in the news reports yet. Until it is, keep these ready, as listed in the portal's upload step:
- CNIC (front and back)
- Recent photograph
- Income proof: salary slip and employment certificate, or business details
- Bank statement for the last six months
- Property papers if you already have a plot or have chosen a house
- Next of kin's CNIC, and co-applicant documents if any
See our full documents checklist.
Monthly Instalment Example
Say you buy a Rs5 million house in Hyderabad and put in 10% (Rs500,000). You borrow Rs4.5 million for 20 years. At 5%, the monthly instalment (kist) is roughly Rs29,700 for the first 10 years. This is our own estimate. After year 10 the rate moves to the market rate, so the kist can change. Try your own numbers on the Apna Ghar loan calculator.
Provincial Housing Schemes in 2026
Below are only schemes we could confirm from official sources or major news outlets.
Sindh: Sindh People's Housing for Flood Affectees (SPHF)
This is the main apna ghar scheme Sindh government project. The Sindh government set up SPHF to rebuild homes destroyed in the 2022 floods. The World Bank and other donors help fund it. The target is 2.1 million climate-resilient houses.
- Grant: Rs300,000 for a fully damaged house, paid into the family's bank account in instalments as building work progresses.
- Progress: The Friday Times reported on 8 October 2026 that about 1 million homes were complete and 600,000 were under construction, per official figures.
- Women's ownership: Over 800,000 land titles have gone to female heads of households.
- Who gets it: Only families verified in the government's flood-damage surveys. There is no general online registration for new applicants.
Beneficiaries can contact SPHF at its Karachi office: 021-99334120 or 021-34300117, or sphf.gos.pk.
In September 2024 the Sindh Human Settlement Authority also announced a "Sasti Basti" low-cost housing plan. No sites, eligibility rules or application process have been published since. If you are not a flood affectee, the federal loan is the apna ghar scheme Sindh families can use today.
KPK: Ehsaas Apna Ghar
The Khyber Pakhtunkhwa government signed an agreement with the Bank of Khyber in December 2024. The scheme formally launched on 7 July 2025.
- Loan: Interest-free, up to Rs1.5 million (15 lakh), to build, extend or repair a house.
- Repayment: 7 years, maximum kist Rs18,000 a month.
- Must own land: You need your own plot.
- Income and age: APP reported a limit of below Rs150,000 a month and age 18 to 65. Earlier reports gave different figures, so confirm with Bank of Khyber.
- Selection: Computerised ballot. Phase 1 drew 123,000 applications, and 18,555 were found eligible.
Status: We found no official announcement of a new application round in 2026. Ask at a Bank of Khyber branch or the KP Housing Department before paying anyone. Meanwhile, the federal scheme is open in KPK now.
Balochistan
For the apna ghar scheme Balochistan, the federal loan is the only scheme open to the whole province. The provincial government has a fishermen housing scheme in Gwadar. Land demarcation began on 8 July 2026 for about 2,970 plots of 120 square yards, at an estimated cost of Rs2.44 billion. Allotment rules have not been published. We found no province-wide Balochistan housing loan scheme in 2026.
Islamabad, Gilgit-Baltistan and AJK
Residents of these areas apply for the federal Apna Ghar loan in the same way. In Islamabad, the Federal Government Employees Housing Authority (FGEHA) runs projects only for its registered members. We found no open FGEHA membership drive in 2026. We also found no separate GB or AJK housing loan scheme for 2026.
Scam Warning: Fake Sindh and KPK Apna Ghar Pages
The federal scheme has no processing fee. No agent can "guarantee" a loan or a ballot result.
- Apply only at apnaghar.gov.pk or inside a bank branch. Websites ending in .com or .pk.org are not official.
- Ignore WhatsApp messages and Facebook pages selling a "Sindh Apna Ghar form" or a "KPK registration card".
- No official SMS code has been announced for the federal scheme in Sindh or KPK.
- Never share your bank PIN or OTP with anyone who calls about your housing loan.
Common Mistakes That Delay Approval
- Entering gross salary instead of net salary.
- Applying when a house is already registered in your name.
- Uploading blurred CNIC scans or old bank statements.
- Applying for a Punjab scheme with a Sindh or KPK address on your CNIC.
- Choosing a bank where you have no account history.
Latest News
- 14 Oct 2026: Required documents cut from 25 to 5. Banks must decide within 15 working days. 75,198 loans worth Rs448bn approved.
- 8 Oct 2026: Friday Times reports SPHF has completed about 1 million homes in Sindh.
- 8 Jul 2026: Demarcation begins for the Gwadar fishermen housing scheme.
- Jul 2026: Non-bank finance companies (NBFCs) allowed to lend under the federal scheme.
- 30 Apr 2026: PM Apna Ghar Programme launched for all provinces, GB and AJK.
Frequently Asked Questions
Yes. The federal Wazir-e-Azam Apna Ghar Programme covers Sindh. You can get a bank loan of up to Rs10 million at 5% for the first 10 years. Apply at apnaghar.gov.pk or any bank branch.
Create an account on apnaghar.gov.pk with your CNIC and mobile number. Log in, click Apply Now, choose your bank and branch, enter your details, select Sindh as your province, upload documents and submit.
Yes. KPK residents use the same federal portal, apnaghar.gov.pk, or apply at any participating bank. KP's own Ehsaas Apna Ghar interest-free loan is run with the Bank of Khyber, but no new 2026 round has been announced.
No. Apni Chhat Apna Ghar and Apni Zameen Apna Ghar are only for permanent residents of Punjab as shown on the CNIC.
The main one is Sindh People's Housing for Flood Affectees (SPHF). It gives Rs300,000 grants to rebuild homes destroyed in the 2022 floods. It is only for families verified in the flood-damage surveys.
Yes, the federal Apna Ghar loan is open in Balochistan. The provincial government has a fishermen housing scheme in Gwadar, but no province-wide housing loan scheme was found in 2026.
No. The federal scheme has no PMT requirement. The bank checks your income and repayment capacity. A PMT score of 60 or below is needed only for Punjab's Apni Chhat Apna Ghar.
No last date has been announced. The government aims to finance 500,000 houses, and applications remain open as of October 2026.
At 5% over 20 years it is roughly Rs29,700 a month for the first 10 years, by our estimate. The rate changes to the market rate after year 10.
No. There is no processing fee and no early repayment penalty. Anyone asking for money to register you is a scammer.
Disclaimer: Apna Ghar Guide is an independent information site, not a government website. Always apply through official portals. Information verified from Dawn (30 Apr 2026), The Nation (14 Oct 2026), ProPakistani (5 May 2026), The Friday Times (8 Oct 2026), APP (Jul 2025), KP Planning and Development Department (4 Dec 2024), sphf.gos.pk, punjab.gov.pk and Business Recorder (Jul 2026).