This document overviews the low-cost housing scheme planned by KDA through World Bank finances in Surjani Town in the city of Karachi. The document outlines the investments made by HBFC and the fact that due to a lack of planning between departments, basic utilities have not been provided, stalling repayment of monthly installments and slowing down recovery. There are photographs that depict the conditions of the area where amenities of life are not available.