House Building Advance Calculator (Pakistan Government Employees)
Estimate the House Building Advance (HBA) you are eligible for as a Pakistan government employee. Select your BPS, enter your basic pay, and see the eligible advance amount, the monthly recovery installment over your chosen recovery period, and the total recovery.
Note: House Building Advance ceilings are fixed by government rules and can be revised by official notification. The ceiling table below holds editable default figures — adjust them to match the current official ceiling for your BPS band, and verify with the relevant rules before relying on the result.
Your basic pay as per the current pay scale.
Auto-filled from the table below for your BPS band; editable.
Editable advance ceiling table
Maximum months of basic pay used for each BPS band. Values are editable defaults — change them to match the official ceiling.
| BPS band | Months of basic pay |
|---|---|
| BPS 1 – 4 | |
| BPS 5 – 10 | |
| BPS 11 – 16 | |
| BPS 17 – 19 | |
| BPS 20 – 22 |
Eligible advance
—
BPS band
Monthly installment
—
per month
Total recovery
—
over full period
How this works: the eligible advance is your basic pay × the ceiling months for your BPS band. The monthly installment is the advance ÷ recovery months. The total recovery is the installment × recovery months, which normally equals the advance amount.
How to use
- Select your BPS (1–22) and enter your monthly basic pay.
- Choose the recovery period, and adjust the ceiling table months if the official ceiling differs.
- Press Calculate House Building Advance to see the eligible amount, monthly installment and total recovery.
Frequently asked questions
House Building Advance is available to government employees under the applicable rules, usually subject to a minimum length of service and to the advance ceiling for the employee BPS band. Eligibility conditions are set out in the official rules of the federal or provincial government.
The maximum advance is linked to the employee BPS band, commonly expressed as a number of months of basic pay. This calculator uses editable ceiling months per BPS band so you can match the current official ceiling.
The advance is recovered in equal monthly installments over the agreed recovery period. This calculator divides the eligible advance by the number of recovery months to give the installment amount.
No. Higher BPS bands normally carry a higher ceiling, expressed as more months of basic pay. The table above shows a separate editable ceiling for each band so the estimate can follow the official band-wise ceilings.