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Islamabad, 26 October 2026: Chakor, Pakistan’s leading real estate developer, has secured approval from the Capital Development Authority (CDA) to move forward with Citadel One3, a 45-storey residential tower set to become the tallest in Islamabad’s Blue Area. The approval clears the way for the next phase of development on one of the capital’s most anticipated projects.
“We are excited to launch Citadel One3, the tallest residential tower in Blue Area, Islamabad. This is a landmark moment for Chakor and for the capital’s skyline. With the CDA’s approval in hand, we will build it with the same discipline that delivered Citadel 7 ahead of schedule.’
— Muhammad Abbas Khan, CEO, Chakor
Chakor’s delivery record adds weight to the launch of Citadel One3. The company has completed Citadel 7 in Islamabad’s Blue Area ahead of schedule, and it did so under public scrutiny. Citadel 7 carried a possession countdown timer, a first for a developer in Pakistan, which counted down to December 2026. The project was completed before the clock ran out, and its handover will now run from November through December 2026.
‘We are thrilled to have delivered Citadel 7 ahead of schedule, and we couldn’t be prouder of everyone who made it happen. Our promise is to deliver, and we love delivering it early.’
— Muhammad Abbas Khan, CEO, Chakor
With Citadel 7 delivered early and Citadel One3 approved, Chakor continues to build its reputation as a developer that keeps its word. A record of timely delivery has made it a name buyers and investors can trust. With Citadel One3, the company will now add a new height to Islamabad’s skyline.
BBC-featured Content Specialist with a sharp eye for search intent and a proven ability to turn content into a growth engine. I leverage cutting-edge digital marketing tools to craft strategies that fuel organic traffic, amplify brand growth, and own the local SEO landscape, particularly across the competitive real estate market. I help brands dominate search rankings and convert visibility into measurable business success.
ISLAMABAD: Interior Minister Mohsin Naqvi has announced plans to auction large plots in Islamabad for high-rise hotels, shopping malls and residential complexes, with the government taking a share of each project’s inventory instead of payment for the land. He announced this at the Saudi-Pak Real Estate Expo in Lahore on Friday.
Bidding will open at 15 percent of a project’s inventory, and investors may offer a higher share. Plots will be available in sizes of one, three and six acres. Buildings must stand at least 600 feet tall and be completed within two years of approval. Naqvi described these as the only two conditions. Approvals will go through a single window at the Ministry of Interior, which he said can process them within three to four weeks.
A five-member committee will oversee the auction, with representatives of the National Accountability Bureau, the Special Investment Facilitation Council, the Federal Investigation Agency and the Capital Development Authority. A judge will head the committee, though it has not been decided whether the judge will be serving or retired.
Naqvi also announced a Manhattan-style city on 1,000 acres behind the Prime Minister’s House. It will have residential and commercial complexes around a central park and a lake, and will operate under a separate set of laws and standard operating procedures.
He also announced a 450-acre safari park, which he described as Asia’s largest. He pointed to the Punjab safari park, whose annual auction value reportedly rose from Rs20 million to Rs680 million within a year of its reconstruction.
BBC-featured Content Specialist with a sharp eye for search intent and a proven ability to turn content into a growth engine. I leverage cutting-edge digital marketing tools to craft strategies that fuel organic traffic, amplify brand growth, and own the local SEO landscape, particularly across the competitive real estate market. I help brands dominate search rankings and convert visibility into measurable business success.
The Prime Minister Housing Loan Scheme, officially the Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna, offers first-time home buyers in Pakistan loans of up to Rs 10 million. The markup is 5% for the first 10 years. The tenure runs up to 20 years, with a 10% down payment.
Last updated: October 2026
What Is the Prime Minister Housing Loan Scheme?
The Prime Minister Housing Loan Scheme is a government markup subsidy and risk-sharing scheme for affordable housing finance. Its official name is Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna. People also call it the PM Apna Ghar scheme or the pm housing loan scheme.
This is a government housing loan scheme, but banks provide the funds. The government pays part of the markup so that borrowers pay a lower rate in the early years. Commercial banks, Islamic banks, microfinance banks, and the House Building Finance Company Limited (HBFCL) participate in the scheme.
Prime Minister Shehbaz Sharif launched the programme on 30 April 2026. According to the State Bank of Pakistan (SBP), the scheme was revised in September 2025. That revision raised the maximum loan to Rs 10 million and set the subsidised rate at 5% for the first 10 years.
Some bank pages still use the earlier name, Mera Pakistan Mera Ghar. This earlier government scheme was introduced in October 2020. If you see that name on a bank website, check the terms listed there against the current programme.
This scheme is for Pakistan. It is not the Indian PMAY scheme.
Key Features of the PM Housing Loan Scheme
Feature
Details
Maximum loan
Up to Rs 10 million through commercial and Islamic banks
Microfinance banks
Up to Rs 5 million
Markup rate
5% fixed for the first 10 years
After 10 years
1-year KIBOR + 3%
Loan tenure
Up to 20 years, with the subsidy for the first 10 years
Financing
90% from the bank, 10% from the borrower
Processing fee
None
Early repayment penalty
None
House size
Up to 10 marla
Flat or apartment size
Up to 1,500 sq ft
The subsidy covers only the first 10 years. If you take a 20-year loan, the bank charges a market-based rate in the last 10 years. That rate is linked to the 1-year KIBOR.
Who Is Eligible for the PM Housing Loan Scheme?
The eligibility rules are simple at the national level. Banks then add their own checks on income, age and documents.
Basic Eligibility
You must be a Pakistani citizen with a valid CNIC. Overseas Pakistanis can apply with a NICOP.
You must be a first-time homeowner.
You must not own any housing unit in your name.
Who Can Apply?
The SBP says people from all professions can apply. This includes salaried people with documented income and people without formal payslips. Overseas Pakistanis are also eligible.
Age Limits
The scheme itself does not set an age limit. Each bank sets its own. As examples, BankIslami lists 25 to 60 years for salaried applicants and 25 to 65 years for self-employed applicants. JS Bank lists 23 to 60 years for salaried applicants and 21 to 75 years for self-employed applicants. Check with your bank before you apply.
Income Requirements
Zameen reports a minimum income of Rs 25,000 per month for the main applicant and Rs 20,000 for a co-applicant. Some banks ask for more. For example, Bank of Khyber lists Rs 35,000 as the minimum net monthly income.
Co-Applicants
You can apply with up to three other people to meet the repayment requirement. Older applicants can also apply together with earning family members.
Government Employees
Government employees can apply for this government housing loan like other salaried applicants. Contractual government employees usually need at least three years of service.
Salaried employees generally need at least two years of employment, and self-employed applicants need three years of business history. These rules vary by bank.
Overseas Pakistanis
Non-resident Pakistanis with a valid NICOP can apply. Banks such as Bank Alfalah list both residents and non-residents as eligible.
What Can You Buy or Build? Prime Minister Housing Loan Scheme
The Prime Minister’s house loan scheme can finance:
The purchase of a house or flat
The construction of a house on a plot you already own
The purchase of a plot and construction of a house on it
The purchase of a unit in an under-construction project
The scheme covers houses of up to 10 marla and flats of up to 1,500 sq ft. It is for residential use only. It does not cover investment or rental properties.
The bank values the property through its own approved evaluator. This is separate from theFBR valuation rate in Pakistan, which is used for property taxes.
For construction, banks usually release funds in phases tied to on-site progress.
Markup Rate, EMI and the Cost of Your Loan
The first 10 years carry a fixed 5% rate. This keeps the monthly instalment low. Islamic banks call it a rental or profit rate. For example, Meezan Bank lists a fixed rental rate of 5% for the first 10 years.
Askari Bank publishes a sample table for a financing amount of Rs 10 lakh (Rs 1,000,000):
Tenure
Monthly payment (first 10 years)
10 years
Rs 10,607
15 years
Rs 7,908
20 years
Rs 6,600
Using the same 5% rate, you can estimate payments for other loan sizes. These are approximate figures for the first 10 years only:
Loan amount
10 years
15 years
20 years
Rs 5 lakh
about Rs 5,300
about Rs 3,950
about Rs 3,300
Rs 25 lakh
about Rs 26,500
about Rs 19,800
about Rs 16,500
Rs 50 lakh
about Rs 53,000
about Rs 39,500
about Rs 33,000
Rs 1 crore
about Rs 106,000
about Rs 79,000
about Rs 66,000
For example, a Rs 1 crore loan over 20 years works out to about Rs 66,000 per month during the first 10 years. After that, the rate moves to 1-year KIBOR + 3%. Your instalment can then change.
The scheme has no processing fee and no early repayment penalty. You can pay the loan off early without a penalty. Property purchase taxes are separate from the loan. For example, buyers pay advance tax underSection 236K.
For exact figures, use the Prime Minister Housing Loan Scheme calculator on your bank’s website. For example, Bank Alfalah lists a calculator for the programme.
How Much Loan Can You Get on Your Salary?
The prime minister housing loan you qualify for depends on your income. Banks check your debt burden ratio (DBR). Zameen reports that the DBR must not exceed 33% of your net monthly income. This means your total monthly loan payments should stay within about one-third of your income.
Here is a simple estimate for a 20-year loan at 5%, assuming you have no other loans:
Net monthly income
33% available for the instalment
Approximate loan size
Rs 25,000
Rs 8,250
About Rs 12.5 lakh
Rs 35,000
Rs 11,550
About Rs 17.5 lakh
Rs 50,000
Rs 16,500
About Rs 25 lakh
Rs 100,000
Rs 33,000
About Rs 50 lakh
These are estimates, not bank offers. Each bank makes its own assessment. Existing loans reduce the amount you can borrow. Adding a co-applicant can raise it.
Documents Required – Prime Minister Housing Loan Scheme
The documents for the PM house loan scheme depend on the bank and whether you are salaried, self-employed, or have informal income. For a pm housing loan, banks commonly ask for:
Valid CNIC (front and back), or NICOP for overseas Pakistanis
Recent passport-size photograph
Employment certificate and salary slip, for salaried applicants
Business documents, for self-employed applicants
Bank statements, usually for the last six months to a year
Property documents, if you already own the plot
Utility bills
Banks also check your credit history through the Electronic Credit Information Bureau (ECIB). A clean record helps your application.
How to Apply for the Prime Minister Housing Loan Scheme?
There are two ways to apply. You can apply through the official online portal or at a participating bank.
Prime Minister House Loan Scheme in Pakistan Online Apply: Step-by-Step
Many readers search for the Prime Minister Housing Loan Scheme apply online process. The official portal isapnaghar.gov.pk. Follow these steps:
Check that you meet the eligibility rules above.
Gather your documents, such as your CNIC, photo, employment certificate, salary slip and six-month bank statement.
Open the official portal at apnaghar.gov.pk and submit your application details.
Upload your documents when the form prompts you.
Wait for the bank to contact you. Some banks, such as Bank Alfalah, state that a representative will contact you within three working days of your request.
Complete the bank’s checks, including property valuation and credit history review.
Applying Directly at a Participating Bank
You can also apply directly at a participating bank. Visit the branch, ask for the Wazir-e-Azam Apna Ghar Program and submit your documents. Some banks, such as Allied Bank, state that their branches are designated to receive and process applications. Askari Bank says it accepts applications at every branch.
What Happens After You Apply? Prime Minister Housing Loan Scheme
The bank reviews your income and credit record. It also values the property through its approved evaluator. If approved, you pay the 10% down payment, and the bank finances the remaining 90%.
The government has announced SBP reforms aimed at reducing approval time to about 15 days, according to Profit. Once the bank approves the loan, the property transfer must be registered. See this guide toproperty registration in Pakistan for the steps and charges.
Be careful with agents who promise to speed up your file. The process runs through banks. You can handle it yourself.
Which Banks Offer a House Loan in Pakistan Under This Scheme?
Commercial banks, Islamic banks, microfinance banks, and HBFCL all participate. Banks that publish the scheme on their websites include:
Type
Banks
Conventional
Allied Bank, Askari Bank, Bank Alfalah, Bank AL Habib, Bank of Khyber, MCB Bank, National Bank of Pakistan, Soneri Bank, JS Bank
Islamic
Meezan Bank, BankIslami, and the Islamic windows of other banks
Public sector
House Building Finance Company Limited (HBFCL)
The scheme’s main terms apply across participating institutions. These include the 5% rate, 90:10 split and Rs 10 million limit. Banks differ in income requirements, age limits, documents and service. Compare these points when choosing where to apply for a house loan in Pakistan. Choose between conventional and Islamic financing based on your own preference.
Applications So Far: Prime Minister Housing Loan Scheme
Statistics as of October 9, 2026
The SBP shared figures at a workshop in July 2026. Banks had received 107,000 applications since March 2025. Nearly 80% came after the September 2025 revision. More than 27,000 applications had been approved and 13,000 rejected.
By 30 June 2026, banks had disbursed more than 6,000 loans worth Rs 26 billion. The average loan was Rs 4.8 million.
The federal budget for FY2026-27 sets aside Rs 71 billion to subsidise the loans. The government aims to finance 150,000 homes by June 2027.
Tips to Improve Your Chances of Approval
Check your credit record before you apply. Banks review your ECIB history.
Keep your total monthly loan payments within the debt burden limit.
Add a co-applicant if your income alone is not enough.
Keep your income and property documents complete and up to date.
Choose a property within the size limits: up to 10 marla for a house and 1,500 sq ft for a flat.
Apply through the portal or directly at a bank branch, not through unofficial agents.
Is the Prime Minister Housing Loan Scheme Worth It?
The scheme has clear benefits. The 5% rate for 10 years is low. There is no processing fee and no early repayment penalty. The 10% down payment is lower than what many buyers expect.
There are other points to weigh. The rate changes after year 10. The size limits may not suit every buyer. The scheme covers residential use only, and the bank decides how much it will lend based on your income. Read your bank’s key fact statement before you sign. Budget for taxes and fees on top of the 10% down payment. Aproperty tax calculator can help you estimate them.
For first-time buyers in Pakistan, the scheme is a practical way to move from renting to owning.
FAQs – Prime Minister Housing Loan Scheme
What are the eligibility criteria for the Prime Minister housing loan scheme?
You must be a Pakistani citizen with a valid CNIC, or an overseas Pakistani with a NICOP. You must be a first-time homeowner and must not own any housing unit in your name. Banks set their own income, age and employment rules.
How to apply for the government-backed home loan scheme?
You can apply through the official portal at apnaghar.gov.pk or at a participating bank. Prepare your CNIC, photo, income proof and bank statements. The bank then checks your income, credit history, and the property before approving your application.
Can I apply for the PM Apna Ghar loan scheme online?
Yes. The official portal at apnaghar.gov.pk accepts applications, and some banks also offer online application forms. Banks may ask you to visit a branch later to complete the process.
How to apply for the PM loan scheme in 2026?
Confirm your eligibility, gather your documents, then apply through the portal or a participating bank. Keep your documents ready so the bank can complete valuation and credit checks quickly.
Who is eligible for the PM Apna Ghar scheme?
First-time homeowners with a valid CNIC or NICOP who do not own a house or flat in their name. The SBP says applicants from all professions can apply, including those without formal payslips.
Can I apply for Mera Pakistan Mera Ghar online in 2026?
Some banks still use the Mera Pakistan Mera Ghar name for their housing finance pages. The current government programme is Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna. Apply through the official portal or a participating bank.
What are the requirements to qualify for a home loan under the scheme?
You need a valid CNIC, proof of income, bank statements and a property that meets the size limits. Banks also check your credit history and debt-to-income ratio.
What is the EMI for a 1 crore home loan for 20 years?
At the scheme’s 5% rate, a Rs 1 crore loan over 20 years costs about Rs 66,000 per month during the first 10 years. After that, the rate becomes 1-year KIBOR + 3% and the instalment can change.
Which bank is best for a house loan in Pakistan?
The scheme’s core terms are the same across participating banks. Banks differ in income and age rules, documents, branch access and service. Compare these points and decide between conventional and Islamic financing.
What is Meezan Bank’s house loan scheme?
Meezan Bank offers the Wazir-e-Azam Apna Ghar Program as an Islamic financing option. It offers a fixed rental rate of 5% for the first 10 years, a tenure of up to 20 years, and financing up to Rs 10 million.
Can I get a 0% interest loan in Pakistan?
Not under this scheme. The government subsidy lowers the rate to 5% for the first 10 years. Islamic banks charge a rental or profit rate instead of interest.
How much loan can I get with a 35,000 salary?
It depends on the bank. As an estimate, a debt burden limit of 33% leaves about Rs 11,550 per month for the instalment. At the scheme’s 5% rate over 20 years, that supports a loan of about Rs 17.5 lakh. A co-applicant can increase the amount.
Is the Prime Minister housing loan scheme a personal loan?
No. It is housing finance. You use it to buy or build a house or flat, and the property is the loan’s purpose.
Conclusion
The pm housing loan scheme and the wider government housing loan scheme depend on bank approval, so check your income, credit history and documents first. Visit the official portal atapnaghar.gov.pk or your nearest participating bank to apply.
Once you have your finance in place, explore the latest residential and commercial developments fromChakor, Pakistan’s leading real estate developer.
BBC-featured Content Specialist with a sharp eye for search intent and a proven ability to turn content into a growth engine. I leverage cutting-edge digital marketing tools to craft strategies that fuel organic traffic, amplify brand growth, and own the local SEO landscape, particularly across the competitive real estate market. I help brands dominate search rankings and convert visibility into measurable business success.
KARACHI: Pakistan’s construction sector has grown sharply over the past year. Builders credit the government’s subsidised housing finance scheme, even as banks remain cautious about lending.
The State Bank of Pakistan reported that construction growth, which stood at negative 3.3 percent in the first quarter of FY25, rose to 17.6 percent in the fourth quarter of that year. It reached 19.2 percent in the first quarter of FY26, and the first half of FY26 recorded 14.6 percent. Public Sector Development Programme spending increased 41.8 percent in the same half, against a 1.1 percent decline a year earlier.
The Prime Minister’s Ghar Ho Tu Apna scheme, launched in September 2025, offers loans of up to Rs10 million at a fixed five percent rate, with the government paying the markup subsidy. Hassan Bakhshi, chairman of the Association of Builders and Developers, said the scheme has provided liquidity and revived purchasing. Some builders have recovered capital tied up in unbooked apartments.
Banks, however, have issued fewer loans than expected. Bakhshi said lenders require complete documentation, while many owners begin construction without proper design or approval from the Sindh Building Control Authority, making their projects ineligible.
The US-Iran war has also changed investment patterns. Bakhshi said money that would have gone to Dubai property is now being invested at home, which pushed prices in areas such as Defence Society up by as much as 60 percent. He added that a correction of up to 20 percent has been recorded in Defence over the past month.
BBC-featured Content Specialist with a sharp eye for search intent and a proven ability to turn content into a growth engine. I leverage cutting-edge digital marketing tools to craft strategies that fuel organic traffic, amplify brand growth, and own the local SEO landscape, particularly across the competitive real estate market. I help brands dominate search rankings and convert visibility into measurable business success.
ISLAMABAD: The National Accounts Committee (NAC) has revised Pakistan’s construction sector growth for FY2025-26 to 6.30 percent, up from the earlier estimate of 5.73 percent. The updated national accounts were approved on October 19, 2026.
The 0.57 percentage point increase is linked mainly to higher public-sector construction spending. The revision comes even as overall fiscal-year economic growth was trimmed to 3.65 percent from 3.70 percent.
Construction activity remained positive in the final quarter. Between April and June 2026, the sector expanded 3.52 percent year-on-year, while the industrial sector contracted 4.70 percent and the wider economy grew 2.00 percent.
The figures point to government spending on public projects as a key support for construction during the year. However, higher sector output does not translate directly into rising plot prices or resale premiums.
Residential transactions, developed-plot supply, public works, and private building are separate but related markets. Property values still depend on location, project progress, and buyer demand.
BBC-featured Content Specialist with a sharp eye for search intent and a proven ability to turn content into a growth engine. I leverage cutting-edge digital marketing tools to craft strategies that fuel organic traffic, amplify brand growth, and own the local SEO landscape, particularly across the competitive real estate market. I help brands dominate search rankings and convert visibility into measurable business success.
RAWALPINDI: The cost of the 38.3-kilometre Rawalpindi Ring Road has risen to Rs50.4 billion, its third upward revision, while toll plaza construction remains incomplete ahead of the planned opening in November.
The Provincial Development Working Party (PDWP) approved the revised PC-I at a meeting in Lahore last week. The project was initially estimated at Rs33 billion. In January, the Rawalpindi Development Authority sought Rs51 billion, but the PDWP approved Rs47 billion.
The latest request cited a 61 per cent rise in material prices. The PDWP allowed 38 per cent and directed that the project be completed within Rs50 billion.
A divisional administration official said the additional Rs3 billion reflects changes to toll plaza structures, a 38 per cent increase in material costs over two years, and a revised PC-I for the Thalian interchange. Land acquisition is not part of these figures. A total of 8,992 kanals were acquired for Rs6.7 billion, which would raise the overall cost to about Rs57 billion.
Deputy Project Director Ashfaq Sulheri said the road itself is complete, but toll booths at Baanth and Thalian are still being installed. The Punjab Ring Road Authority needs two more weeks to set up the Intelligent Transportation System and electronic toll collection.
Fencing from Baanth to Thalian and horticulture work along the route are finished. Work on the Thalian interchange will begin after the road opens. He said the Punjab government expects to open it to traffic in the first or second week of November.
The six-lane, controlled-access road has a design speed of 120km/h and a 90-metre right-of-way. It includes five interchanges, 11 overpasses, two river bridges, 12 bridges over nullahs and roads, and a railway bridge near Baanth.
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LAHORE: The Lahore Development Authority and the Punjab Environment Protection Agency held a public hearing on Monday to assess the environmental dimensions of the Lahore Division Master Plan 2050. The session was meant to refine the plan using citizen feedback and expert recommendations.
The hearing was attended by EPA Additional Director General (Operations) Sharjeel Hafeez Wattoo and the LDA’s Chief Metropolitan Planner. The Chief Metropolitan Planner and the consultants briefed participants on why the plan is needed and assured them that pollution-related suggestions would be reviewed.
Punjab EPA Director Fauzia Akram spoke on smog and environmental pollution. Architect Kamil Khan Mumtaz of the Lahore Bachao Tehreek outlined the plan’s stages and said it aims to build a “prosperous Lahore” that serves as a “hub of civilisation”.
Consultancy firms Dar Al-Handasah and Asian Consultant Engineering gave presentations. Dar Al-Handasah representatives said they are preparing the plan with an Environmental Impact Assessment in view. They said it addresses smog, pollution, unplanned industrial expansion and socio-economic challenges.
The plan covers the Lahore Division, with urban amenities reviewed in Lahore, Sheikhupura, Kasur and Nankana. It accounts for population growth, urban sprawl, and housing needs, and prioritises public transport, roads, healthcare, education, agriculture, industry, sewerage, and water infrastructure. It also provides for parks, greenery and cultural spaces.
The plan will encourage both commercial and residential high-rise construction. The plan integrates areas under RUDA, the CBD, the Cantonment, and DHA, and authorities are working with developers and other stakeholders to address pollution.
Environmental experts Aleem Butt and Rafay Alam explained the causes of pollution and possible remedies. Stakeholders, citizens and students attended, and the consultants answered their questions at the end of the session.
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ISLAMABAD: The government has reduced and standardised the property documents banks can require from applicants under the Prime Minister’s Apna Ghar Programme to make housing finance easier to obtain.
The Ministry of Housing and Works announced the changes on October 18, following directives from Prime Minister Shehbaz Sharif. The State Bank of Pakistan has since issued formal instructions to banks to implement the revised requirements, Dawn reported.
Applicants must now provide five mandatory documents: a transfer letter, a possession letter, a site plan, a mortgage permission letter, and mortgage registration documents. The framework applies to loans of up to Rs10 million.
The revised requirements cover a wide range of properties, including those in urban development authority schemes, housing societies, private housing schemes, DHA plots, houses and apartments, and cantonment and MEO leasehold properties. Rural revenue properties, government housing schemes and Evacuee Trust properties are also included.
Properties backed by a Punjab government Green Property Certificate, or an equivalent certificate issued by a competent authority in another province, may also qualify for financing. Since these certificates verify title, ownership and possession, holders will not be required to produce separate historical ancestral ownership records.
Banks reportedly asked applicants for extensive property documentation, which complicated and delayed loan applications. The new framework is intended to reduce paperwork, bring consistency to bank requirements and help first-time buyers purchase or construct homes.
The announcement does not cover markup rates, repayment terms, income criteria, down-payment requirements or a list of participating banks. The simplified documentation also does not exempt applicants from banks’ income, affordability and legal-title checks. Prospective borrowers should confirm exact requirements with their bank.
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Brick prices in Pakistan have fluctuated throughout 2026. Kiln costs, coal rates, transport and seasonal demand all play a part. If you are building a house, a boundary wall or a commercial unit, you need a clear number before you plan your budget.
This guide presents recently published supplier estimates and the latest city survey figures independently verified for this revision. Neither should be treated as a guaranteed same-day quote. It covers every major class, the price of one brick in Pakistan, fly ash and gutka rates, and city-wise rates. It also shows you how to work out the cost for your own project.
Bricks Price in Pakistan: Quick Summary
There is no single nationwide brick price: type, quality, city, purchase size and delivery charges change the final amount. Recent September–October 2026 supplier and construction-cost listings often quote A-grade clay bricks at approximately PKR 18,000–22,000 per 1,000, but the Pakistan Bureau of Statistics (PBS) August 2026 city survey recorded much higher first-class rates in some cities, including Islamabad and Rawalpindi.
Brick type
Indicative supplier estimate per 1,000 (PKR)
A-grade / Awwal clay bricks
18,000–22,000
B-grade / Doam clay bricks
12,000–17,000
C-grade clay bricks
10,000–13,000
Fly ash bricks
14,000–22,000 (specification-dependent)
1000 Bricks Price in Pakistan Today by Class
Most buyers search for the 1000 bricks price in Pakistan because bricks are sold in lots of one thousand. Here is how each class is priced.
A-Class (Awwal) Bricks
A-class bricks are well-burnt, evenly shaped, and strong. They are the first choice for load-bearing walls, columns and outer walls.
Recent supplier guides commonly indicate PKR 18,000–22,000 per 1,000 for A-grade bricks, although PBS city averages can be higher. Compare the same brick size and delivery terms before choosing a quotation.
B-Class (Doam) Bricks
B-class bricks are slightly softer and less uniform. They suit internal partition walls, boundary walls and infill.
Recent supplier guides indicate roughly PKR 12,000–17,000 per 1,000 bricks, depending on region and quality.
C-Class Bricks
C-class bricks are the lowest grade. They are used for non-structural work only. Published supplier estimates range from PKR 10,000 to 13,000 per 1,000, depending on quality and location.
Machine-Made Bricks
Machine-made bricks have more uniform dimensions, but material and production methods vary. Ask suppliers for a quotation matched to your specifications rather than treating one advertised range as a universal price.
Price of One Brick in Pakistan
Many buyers also want the price of one brick in Pakistan. Simply divide the rate per 1,000 by 1,000.
If 1,000 bricks cost PKR 16,000, one brick costs PKR 16.
If 1,000 bricks cost PKR 19,000, one brick costs PKR 19.
If 1,000 bricks cost PKR 22,000, one brick costs PKR 22.
Those examples illustrate the calculation only. A first-class brick may cost more in a city such as Islamabad or Rawalpindi, as the PBS city table below shows.
The 1 brick price is only a guide. Kilns rarely sell small counts at the same rate as full trolleys, so expect a small premium on very small orders.
Clay Bricks Price in Pakistan
Clay bricks are the most common building material in the country. They are made from clay, sun-dried, and fired in a kiln.
Clay brick prices follow the class system above. Actual clay-brick prices differ by grade, kiln and delivery terms. The PBS August 2026 surveyed price for first-class bricks in Lahore was PKR 23,355 per 1,000; this is a city survey figure, not a kiln quotation.
The standard clay brick is about 9 × 4.5 × 3 inches. Always confirm the size with your supplier, because small differences can change how many bricks you need.
Fly Ash Bricks Price in Pakistan
Fly ash bricks are made using fly ash, a by-product of coal combustion, blended with other materials. Their size, weight, strength and composition depend on the manufacturing process.
Published indicative fly-ash-brick estimates vary widely, approximately PKR 14,000–22,000 per 1,000, depending on the product specification and supplier. This is not a verified same-day nationwide rate.
Fly ash bricks may suit certain wall applications where they meet relevant strength, absorption, and dimensional requirements. Do not assume every fly ash brick is suitable for foundations, pillars, or load-bearing construction; confirm specifications with a qualified engineer. Their use can also reuse an industrial by-product.
Gutka Bricks Price in Pakistan
Gutka is broken or crushed brick. Builders use it for foundations, floor filling, road base and concrete work.
Gutka brick prices in Pakistan aren’t fixed per piece. Suppliers usually sell it by volume or by truckload. Rates change by city and by the quality of the broken brick. Most listings ask buyers to call for a quote.
Ask for a written rate per truck or per 100 cubic feet before you place an order.
Bricks Price in Pakistan by City
The following prices are the PBS August 2026 surveyed averages for new first-class bricks, published in September 2026. They replace the article’s outdated January 2026 table. They are not live quotes for 16 October 2026. PBS published a September 2026 urban construction items dataset on 1 October, but the individual brick figures from that workbook have not been independently extracted for this revision.
City
First-class bricks per 1,000 (PKR), August 2026
Islamabad
27,016
Rawalpindi
26,694
Lahore
23,355
Karachi
22,000
Faisalabad
21,000
Peshawar
20,105
Multan
16,533
Hyderabad
15,659
Quetta
15,242
Gujranwala
27,329
Sialkot
24,000
Sargodha
18,327
Dadu
13,000
House Brick Calculator
Calculate Bricks for Your House Size
Choose your house size and city to estimate A-Class bricks and material cost.
Required bricks (range)
Total bricks including wastage (5%–10%)
A-Class price per brick
Estimated brick cost
How this estimate works
1 Kanal = 20 Marla. Unlisted sizes are estimated between the reference sizes, or scaled proportionally outside them. Double-storey estimates use the supplied 5 Marla reference. Total bricks include 5% extra on the minimum required count and 10% extra on the maximum, rounded up to whole bricks. Estimated brick costs include this allowance. Actual quantities depend on your layout and wall dimensions; confirm against your plans. Rates are indicative September 2026 A-Class prices per brick. Delivery, labour, mortar and taxes are excluded. Your inputs are not saved.
Bricks Price in Lahore
The surveyed first-class brick rate in Lahore was PKR 23,355 per 1,000 in August 2026. A current kiln or dealer offer may be different, especially depending on grade and delivery.
Bricks Price in Multan
The surveyed first-class brick price in Multan in August 2026 was PKR 16,533 per 1,000. Ask for a quote specifying brick grade and freight charges.
Bricks Price in Faisalabad
The August 2026 surveyed first-class brick price in Faisalabad was PKR 21,000 per 1,000. Compare kiln and dealer rates on like-for-like brick specifications.
Bricks Price in Hyderabad
The August 2026 surveyed first-class brick price in Hyderabad was PKR 15,659 per 1,000. Confirm transport and unloading charges separately.
Bricks Price in Peshawar
The August 2026 surveyed first-class brick price in Peshawar was PKR 20,105 per 1,000. This is a historical survey benchmark, not a 16 October supplier quotation.
Bricks Price in Rawalpindi
The August 2026 surveyed first-class brick price in Rawalpindi was PKR 26,694 per 1,000, compared with PKR 27,016 in Islamabad. Request a written, same-day-delivered quotation before budgeting.
What Affects the Brick Price in Pakistan?
Several factors move the brick price in Pakistan today.
Location. Cities near kilns pay less. Distant cities pay more.
Transport and freight. Delivery cost depends on distance from the kiln to your site.
Fuel costs. Coal and fuel prices change kiln running costs.
Season. Dry months bring high building demand. Monsoon rain slows production and raises prices.
Environmental rules. Kiln closures linked to smog control, and the push towards zigzag kiln technology, can tighten supply and lift prices.
District notifications. Official price controls, where applicable, may differ from market quotations. Check any currently effective local notification rather than relying on an old published ceiling.
Quality and class. Better burning and uniform size cost more.
How to Calculate Your Brick Cost
Use this simple formula:
Total cost = (Number of bricks + 5% wastage) × price per brick
Suppliers advise adding about 5% extra to cover breakage during transport and laying.
Here is an example for 5,000 bricks.
Rate per 1,000 bricks
Bricks with 5% extra (5,250)
Estimated cost
PKR 16,000
5,250
PKR 84,000
PKR 19,000
5,250
PKR 99,750
PKR 22,000
5,250
PKR 115,500
Tips to Buy Bricks at the Best Price
Compare at least three kilns or dealers. Rates differ even within one city.
Check the class on site. Good bricks ring when struck and show an even red colour.
Look for cracks and broken corners. Reject lots with too many chips.
Ask what the rate includes. Clarify delivery, loading and unloading.
Buy early in the season. Prices often climb in peak building months.
Get the rate in writing. Note the date, class and quantity.
Follow district notices. Price control magistrates monitor rates in some districts of Punjab.
FAQs – Bricks Price in Pakistan
What is the price of 1000 bricks in Pakistan?
There is no single national price. Recent A-grade supplier estimates commonly fall around PKR 18,000–22,000 per 1,000, while PBS recorded first-class surveyed city prices of PKR 23,355 in Lahore and PKR 27,016 in Islamabad in August 2026.
What does 1000 bricks cost?
The cost depends on grade, city and delivery. Use the relevant city survey as a benchmark, then obtain an up-to-date quote for the brick grade and quantity you need.
How much will 5000 bricks cost?
At an illustrative price of PKR 20,000 per 1,000, 5,000 bricks would cost PKR 100,000, or PKR 105,000 after allowing 5% extra bricks for wastage, before delivery. Actual costs depend on your quotation.
What is the price of 1000 bricks in Rawalpindi today?
The latest verified figure reproduced here is PKR 26,694 per 1,000 first-class bricks from the August 2026 PBS survey. It is not a live 16 October quote; check a local supplier for today’s rate.
Which brick is best for house construction?
A-class burnt clay bricks are commonly used for masonry, but load-bearing suitability depends on tested material strength, workmanship and structural design. Consult the project’s engineer.
Why do brick rates change so often?
Coal prices, transport costs, seasonal demand, brick quality and kiln regulations all affect brick supply and cost.
Conclusion
The bricks price in Pakistan depends on class, city, season and transport. Do not treat one supplier range as the price for every city. Use the August 2026 PBS table as a city benchmark and obtain a same-day, specification-matched delivered quotation before placing an order.
Good planning starts with reliable material costs. Chakor Ventures publishes practical guides on construction costs and property planning to help buyers make informed decisions. Bookmark this page and check back for updated brick rates.
Price Data Sources
Pakistan Bureau of Statistics,Monthly Inflation Report for September 2026 — confirms availability of the September urban construction prices workbook (individual brick data not used here).
BBC-featured Content Specialist with a sharp eye for search intent and a proven ability to turn content into a growth engine. I leverage cutting-edge digital marketing tools to craft strategies that fuel organic traffic, amplify brand growth, and own the local SEO landscape, particularly across the competitive real estate market. I help brands dominate search rankings and convert visibility into measurable business success.
Record reserves, two rating upgrades, and a pending $1.2bn IMF tranche support the government’s case to investors. A large share of the reserves is borrowed, and the IMF’s fuel-subsidy condition is contested.
Islamabad, Updated October 16, 2026
On October 15, 2026, Finance Minister Muhammad Aurangzeb told a JP Morgan investment seminar in Bangkok that Pakistan had achieved macroeconomic stabilisation, fiscal consolidation and sustained primary surpluses (Press Information Department, 2026).
The government release contains no figures. This report tests each claim against central bank data, IMF statements and independent assessments, and asks how much of the improvement is durable and how much depends on fresh borrowing.
2. The IMF Agreement and Its Conditions
An IMF team led by Iva Petrova reached a staff-level agreement on the fourth Extended Fund Facility review and the third Resilience and Sustainability Facility review. It would release about $1.21bn, roughly $1bn and $210m respectively, lifting combined disbursements to about $5.7bn once the Executive Board approves it (Daily Pakistan, 2026).
The Fund estimated FY2026 growth at 3.6%, with 4% recorded over the first three quarters (ARY News, 2026d). It set health and education spending at 2.8% of GDP for FY27, up from 2.5% in FY26 and 2.2% in FY24 (Daily Pakistan, 2026). It also warned that the Middle East conflict clouds the outlook through energy prices and global financial conditions.
3. The Reserves Question: How Much of the Record Is Borrowed?
The reserves figure has a direct origin. On September 3, Pakistan raised $3bn through a dual-tranche Eurobond, the largest single international bond issue in its history: $1.75bn over 5.5 years at a 7.50% coupon and $1.25bn over 10 years at 7.90%, with orders near $6bn (ARY News, 2026a).
SBP reserves rose from $18.33bn on September 4 to $21.4bn a week later, driven by the issuance and central bank purchases (TechJuice, 2026b). Total liquid reserves, which include commercial banks’ holdings, stood at $26.8bn (Wahab, 2026).
A Eurobond is external borrowing. This bears directly on the minister’s statement that Pakistan is replacing costly borrowing without enlarging the external debt stock. A finance ministry official told The Express Tribune that the new debt was raised to repay $3bn owed to Saudi Arabia, with an extension ending in October.
A ministry spokesman gave a broader account, saying the proceeds would serve overall financing needs and could replace short-term debt (Rana, 2026). If the first account is correct, reserves will fall again when the Saudi repayment is made. That outcome is an inference from the official’s statement, not a reported fact.
4. The Repayment Wall
Pakistan faces about $21.5bn in external debt servicing in FY2027, after a $5bn Saudi rollover to December 2028 reduced the gross financing requirement (Rana, 2026). Moody’s, citing IMF estimates, puts external financing needs at about $21bn in FY27 and $30bn in FY28 (TechJuice, 2026a). The IMF has estimated gross external financing needs of about $114.1bn for 2026 to 2030 (Kharal, 2026).
The trade position adds pressure. The Express Tribune reported a $7.1bn trade deficit for July and August, more than double the Eurobond’s size, and noted that the government has struggled to attract foreign direct investment (Rana, 2026).
5. The Fuel Subsidy Dispute
The IMF asked for the fuel support scheme to be phased out promptly, citing cost and broad targeting. It said any future support should be limited, time-bound and targeted. Aurangzeb said the scheme had worked, reaching about 10.2 million people, and would continue. He added that long marches and sit-ins costing about Rs120bn a day are incompatible with sustaining growth of 4% or more (The Express Tribune, 2026).
Analysts cited by the Pakistan Observer called the agreement a positive step reached without major delay. They said that ending the subsidy would be difficult while the oil price crisis continues (Pakistan Observer, 2026).
6. Independent Assessments
The Asian Development Bank put FY2026 growth at 3.7% and projected 3.7% for FY2027. It cited improved buffers and S&P’s sovereign upgrade in July and Moody’s in August 2026 (ARY News, 2026b). That is below the government’s 4% aspiration.
Moody’s lifted Pakistan to B3 from Caa1 with a stable outlook, and it flagged a fragile external position, weak debt affordability and a narrow revenue base (TechJuice, 2026a). B3 remains several notches below investment grade (Business Today, 2026).
7. Expert and Market Commentary
No named independent economists have yet published a response to the Bangkok remarks. The available commentary addresses the wider financing picture. Business Today reported that risk premiums on high-yield sovereign debt sit near two-decade lows, and that analysts caution the favourable borrowing window may not stay open (Business Today, 2026). Minute Mirror wrote that analysts and officials will watch whether improved market access translates into lower dependence on debt (Kharal, 2026).
Economist Kaiser Bengali, speaking in April, described Pakistan’s reliance on external financing as one of “absolute dependency,” in which a single IMF tranche can decide between survival and collapse (Al Jazeera, 2026). That comment predates the latest agreement.
8. How the Numbers Compare
Eurobond
Coupon
Spread over US Treasuries
2021 five-year ($1.3bn)
6.0%
about 5 points
2026 5.5-year ($1.75bn)
7.5%
about 3 points
2021 ten-year ($1.4bn)
7.375%
about 5.7 points
2026 ten-year ($1.25bn)
7.9%
about 3 points
Source: Rana (2026).
The 2026 coupons are higher in absolute terms, but US Treasury yields were about 1% in 2021 against about 4.5% now, and Pakistan’s spread over them has narrowed (Rana, 2026). The cost of money has risen, but the market now prices Pakistan as a lower credit risk.
Indicator
FY2026
FY2027 outlook
Remittances
above $41bn
$44bn target (ProPakistani, 2026)
Current account
roughly balanced
0% to 1% of GDP deficit (ProPakistani, 2026)
GDP growth
3.6% (IMF) / 3.7% (ADB)
3.7% (ADB)
9. Critical Assessment
The stabilisation claim is well supported. The IMF, ADB and Moody’s all report improvement, remittances are running above target, and ratings have risen twice this year.
The reserves claim needs qualification. Roughly $3bn of the record level came from one Eurobond, and the ministry’s own explanations of its purpose differ. A record is not the same as a durable buffer.
The debt-stock claim is unproven. Replacing Saudi deposits with Eurobonds changes who is owed, not necessarily how much. A $21.5bn repayment year leaves little room to reduce the stock.
The subsidy is the live fault line. The IMF wants prompt phase-out and the finance minister wants continuation, with Board approval of the tranche still pending.
BR Web Desk. (2026, October 15). Aurangzeb meets IMF chief, briefs investors on Pakistan’s economy. Business Recorder.https://www.brecorder.com/news/40444332
Press Information Department. (2026, October 15). Finance Minister highlights economic stabilization, fiscal consolidation and financing diversification at JP Morgan seminar (PR No. 210).https://pid.gov.pk/site/press_detail/34326
BBC-featured Content Specialist with a sharp eye for search intent and a proven ability to turn content into a growth engine. I leverage cutting-edge digital marketing tools to craft strategies that fuel organic traffic, amplify brand growth, and own the local SEO landscape, particularly across the competitive real estate market. I help brands dominate search rankings and convert visibility into measurable business success.
