Good Governance Roadmap - Proposed Steps Summary
Department: Housing Department
Intervention: Expand Ehsaas Apna Ghar across all districts and disburse PKR 4 Bn+ in subsidized housing finance, with 10% reserved quota (women 6%, 1% widows, 2% minorities & 1% special persons)
| # | Proposed Steps | Status | Responsibility | Start Date | End Date | Comments | Files | Action |
|---|---|---|---|---|---|---|---|---|
| 1 |
Approval by PDWP, sign MoU and Service Agreement with BoK.
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Complete | Secretary Housing |
01 Dec 2024
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30 Jan 2025
|
Approved by PDWP 12/12/2024
MOU with BoK signed 3-12-24
Service Agreement with BoK 23-01-25.
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| 2 |
Roll out pilot phase of Ehsaas Apna Ghar with the released Fund of Rs. 200.00 million out of the total cost of PC-I Rs. 4000.00 million (Phase I)
|
Complete | Secretary Housing |
01 Jun 2025
|
15 Jul 2025
|
Pilot phase launched 200 Million.
Received applications 123283
Provisionally approved applicants 162
Successful applicants through computerized balloting 76
Target as per 2023 census 120
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| 3 |
Online applications, verification, scrutiny by SPO
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Complete | Secretary Housing |
15 May 2025
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30 Nov 2025
01 Sep 2025 |
Application invited by the SPO Total 123283 applications were received to BoK digitally and scrutinized by the BoK accordingly.
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| 4 |
Disbursement amongst the successful applicants throughout the Province as per the District-wise population ratio according to the 2023 census.
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Complete | Secretary Housing |
01 Apr 2025
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15 Jul 2025
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As per 2023 census applications were received digitally by SPO throughout the province as per district population ratio. District wise detail is attached
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| 5 |
Inauguration of the Scheme by the Hon'ble Chief Minister
|
Complete | Secretary Housing |
01 Jul 2025
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15 Jul 2025
|
The scheme was inaugurated by the Hon'ble Chief Minister in CM's Secretariat on 7th July, 2025 (Pictures attached). The Hon'ble Chief Minister also directed to relax the eligibility criteria. The age bracket increased from 18-55 to 18-65 years. Monthly income from 100000 to 150000/- Landownership from 5 marla Or 1360 marla to 10 marla Or 2720 sqf covered area
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| 6 |
Track disbursement
|
Complete | Secretary Housing |
01 Oct 2025
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31 Dec 2025
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Disbursement milestones attached
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| 7 |
Change of SPO, revision of eligibility criteria, proportionate share in allocation as per gender age, district, and earmarking of separate funds for NMDs
|
Complete | Secretary Housing |
22 Jul 2025
|
05 Aug 2025
|
On 22nd July, 2025, Hon'ble CM KP directed Advisor Finance to engage Akhuwat Microfinance for the rest of the scheme due to inordinate delay by BoK iin disbursment Minutes attached). Meeting held under the Chairmanship of Hon'ble Advisor Finance on 29th July, 2025 (Minutes attached). PC-I and the eligibility criteria were revised. Directions of the Hon'ble Chief Minister, Khyber Pakhtunkhwa, incorporated and submitted to the relevant Departments for further action (Copies attached)
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| 8 |
Engaging Akhuwat Islamic Microfinance for the implementation of Ehsaas Apna Ghar Scheme for the remaining phase
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Complete | Secretary Housing |
29 Jul 2025
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20 Aug 2025
|
After series of meetings and discussion with Aukhwat Islamic Mircrofinance Draft Service Agreement between Goverment of Khyber Pakhunkhwa through Housing Deparment and Akhuwat Islamic Microfinance (AIM) prepared and forwarded to Law Department for vetting on 15-08-2025 (copy attached).
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| 9 |
Submission of draft service agreement with AIM to Law Department for vetting
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Complete | Secretary Housing |
15 Aug 2025
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01 Sep 2025
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Draft Service Agreement forwarded to Law Department on 15-08-2025 in compliance of meeting held with advisor to CM on Finance on 29-07-25
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| 10 |
Vetting of draft Service Agreement with AIM by Law Department
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Complete | Secretary Housing |
15 Aug 2025
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01 Sep 2025
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Vetted Agreement received from Law Department on 01-09-2025 (Copies attached)
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| 11 |
Submission of vetted draft Service to the Finance Department
|
Complete | Secretary Housing |
02 Sep 2025
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30 Nov 2025
|
In pursuance of the advice of the Law Department. The service agreement with AIM was forwarded to the Finance Department (copy attached).Financial modalities between Finance Department and AIM are in progress.
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| 12 |
Preparation and submission of revised PC-I to P&D Department in light of the Hon'ble Chief Minister's directions
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Complete | Secretary Housing |
22 Jul 2025
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20 Sep 2025
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PC-I of the Scheme submitted to P&D Department on 15th September, 2025 (Copy attached).
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| 13 |
Finalizing of Service Agreement with AIM by the Finance Department
|
Complete | Secretary Housing |
06 Nov 2025
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30 Nov 2025
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Service agreement with AIM
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| 14 |
Agreement with the Insurance company for coverage against bad debits and force majeure events
|
delayed | Secretary Housing |
13 Nov 2025
|
30 Jun 2026
30 May 2026 30 Apr 2026 10 Feb 2026 31 Dec 2025 |
The Provincial Cabinet, in its meeting held on 29-06-2026, constituted a committee comprising the Minister for Finance, Minister for Housing, Minister for Excise, and Minister for Revenue to deliberate upon the following issues relating to the Ehsaas Apna Ghar Scheme.
The minutes of the Cabinet meeting and the recommendations of the committee are attached . The Services Agreement between Khyber Pakhtunkhwa Housing Authority (KPHA), State Life Insurance Corporation of Pakistan, and Akhuwat Islamic Microfinance (AIM) will be executed after receipt of the committee’s recommendations and the Committee's final decision
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| 15 |
Signing of Service Agreement with AIM
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delayed | DG KPHA (KP Housing Authority) |
31 Dec 2025
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30 Jun 2026
30 May 2026 25 Feb 2026 10 Jan 2026 |
The Provincial Cabinet, in its meeting held on 29-06-2026, constituted a committee comprising the Minister for Finance, Minister for Housing, Minister for Excise, and Minister for Revenue to deliberate upon the following issues relating to the Ehsaas Apna Ghar Scheme.
The minutes of the Cabinet meeting and the recommendations of the committee are attached . The Services Agreement between Khyber Pakhtunkhwa Housing Authority (KPHA), State Life Insurance Corporation of Pakistan, and Akhuwat Islamic Microfinance (AIM) will be executed after receipt of . the committee’s recommendations and the Committee's final decision
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| 16 |
Re-submission of revised PC-I alongwith signed agreements
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delayed | Secretary Housing |
30 Jun 2026
10 Jan 2026 10 Jan 2026 10 Jan 2026 |
31 Jul 2026
15 Jun 2026 15 Mar 2026 20 Jan 2026 |
The Provincial Cabinet, in its meeting held on 29-06-2026, constituted a committee comprising the Minister for Finance, Minister for Housing, Minister for Excise, and Minister for Revenue to deliberate upon the following issues relating to the Ehsaas Apna Ghar Scheme. The minutes of the Cabinet meeting and the recommendations of the committee are attached . The Services Agreement between Khyber Pakhtunkhwa Housing Authority (KPHA), State Life Insurance Corporation of Pakistan, and Akhuwat Islamic Microfinance (AIM) will be executed after receipt of . the committee’s recommendations and the Committee's final decision
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| 17 |
Approval of revised PC-I of the scheme from PDWP
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delayed | Secretary Housing |
21 Jan 2026
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10 Jul 2026
15 May 2026 15 Feb 2026 |
The Provincial Cabinet, in its meeting held on 29-06-2026, constituted a committee comprising the Minister for Finance, Minister for Housing, Minister for Excise, and Minister for Revenue to deliberate upon the following issues relating to the Ehsaas Apna Ghar Scheme.
The minutes of the Cabinet meeting and the recommendations of the committee are attached . The Services Agreement between Khyber Pakhtunkhwa Housing Authority (KPHA), State Life Insurance Corporation of Pakistan, and Akhuwat Islamic Microfinance (AIM) will be executed after receipt of the committee’s recommendations and the Committee's final decision
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| 18 |
Fund arrangement
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delayed | Secretary Housing |
10 Jun 2026
16 Feb 2026 16 Feb 2026 |
10 Jul 2026
10 Jun 2026 10 Mar 2026 |
The Provincial Cabinet, in its meeting held on 29-06-2026, constituted a committee comprising the Minister for Finance, Minister for Housing, Minister for Excise, and Minister for Revenue to deliberate upon the following issues relating to the Ehsaas Apna Ghar Scheme.
The minutes of the Cabinet meeting and the recommendations of the committee are attached . The Services Agreement between Khyber Pakhtunkhwa Housing Authority (KPHA), State Life Insurance Corporation of Pakistan, and Akhuwat Islamic Microfinance (AIM) will be executed after receipt of . the committee’s recommendations and the Committee's final decision
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| 19 |
Release of funds out of 3800 million for starting the scheme
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delayed | Secretary Housing |
10 Mar 2026
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15 Aug 2026
25 Mar 2026 |
The Provincial Cabinet, in its meeting held on 29-06-2026, constituted a committee comprising the Minister for Finance, Minister for Housing, Minister for Excise, and Minister for Revenue to deliberate upon the following issues relating to the Ehsaas Apna Ghar Scheme. The minutes of the Cabinet meeting and the recommendations of the committee are attached . The Services Agreement between Khyber Pakhtunkhwa Housing Authority (KPHA), State Life Insurance Corporation of Pakistan, and Akhuwat Islamic Microfinance (AIM) will be executed after receipt of . the committee’s recommendations and the Committee's final decision
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| 20 |
Transfer of funds to the SPO
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delayed | Secretary Housing |
25 Mar 2026
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20 Aug 2026
31 Mar 2026 |
The Provincial Cabinet, in its meeting held on 29-06-2026, constituted a committee comprising the Minister for Finance, Minister for Housing, Minister for Excise, and Minister for Revenue to deliberate upon the following issues relating to the Ehsaas Apna Ghar Scheme. The minutes of the Cabinet meeting and the recommendations of the committee are attached . The Services Agreement between Khyber Pakhtunkhwa Housing Authority (KPHA), State Life Insurance Corporation of Pakistan, and Akhuwat Islamic Microfinance (AIM) will be executed after receipt of . the committee’s recommendations and the Committee's final decision
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| 21 |
Initiation of Scheme by AIM (publicity etc)
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delayed | DG KPHA (KP Housing Authority) |
01 Apr 2026
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05 Sep 2026
15 Apr 2026 |
The Provincial Cabinet, in its meeting held on 29-06-2026, constituted a committee comprising the Minister for Finance, Minister for Housing, Minister for Excise, and Minister for Revenue to deliberate upon the following issues relating to the Ehsaas Apna Ghar Scheme. The minutes of the Cabinet meeting and the recommendations of the committee are attached . The Services Agreement between Khyber Pakhtunkhwa Housing Authority (KPHA), State Life Insurance Corporation of Pakistan, and Akhuwat Islamic Microfinance (AIM) will be executed after receipt of . the committee’s recommendations and the Committee's final decision
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| 22 |
Loan distribution ceremony among the successful applicants by AIM
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delayed | Secretary Housing |
15 Apr 2026
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20 Sep 2026
01 May 2026 |
The Provincial Cabinet, in its meeting held on 29-06-2026, constituted a committee comprising the Minister for Finance, Minister for Housing, Minister for Excise, and Minister for Revenue to deliberate upon the following issues relating to the Ehsaas Apna Ghar Scheme. The minutes of the Cabinet meeting and the recommendations of the committee are attached . The Services Agreement between Khyber Pakhtunkhwa Housing Authority (KPHA), State Life Insurance Corporation of Pakistan, and Akhuwat Islamic Microfinance (AIM) will be executed after receipt of . the committee’s recommendations and the Committee's final decision
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