Ehsaas Apna Ghar Scheme (KP): Interest-Free Loans to Build or Renovate a House

Under the Ehsaas Apna Ghar scheme, the Khyber Pakhtunkhwa Government gives low-income families interest-free loans of up to Rs 1.5 million to build, expand or renovate a house on land they own, repayable over seven years. It is run by the KP Housing Department with the Bank of Khyber.

Who can apply?

• Residents of Khyber Pakhtunkhwa from low-income families.
• Monthly income within the limit (now up to Rs 150,000).
• You must own the plot of land on which the house will be built or improved.
• Covered area up to 10 marla under the relaxed criteria.
• Age: reported as 18–65 [confirm current age range]

How selection works

Eligible applicants are selected through a computerised ballot, and loans are distributed across all districts according to population. In the first phase, 123,000 applications were received and 18,555 met the eligibility criteria. The KP Government later reported Rs 200 million disbursed to 76 successful applicants through balloting.

How to apply

Applications open in rounds announced by the KP Housing Department and the Bank of Khyber. [official application portal / form for the next round]. When a round opens, apply only through the official Housing Department or Bank of Khyber channel, and keep a copy of your application.

Not the same as the PM’s “Apna Ghar” scheme

In April 2026 the Prime Minister launched a separate federal Apna Ghar housing scheme offering subsidised bank loans of up to Rs 10 million. That scheme is not interest-free and is applied for through banks and housing finance companies. Ehsaas Apna Ghar is the KP provincial scheme.