Urban population is nearly one-third of the total population and increasing. Likely to reach 50% by 2030-40. With changing socio-economic norms, household size will shrink from 6.6 to lower levels, leading to more demand for housing units for the same population. (India 5.6). May be directed to play an active role in housing and housing finance for lower and high income segment housing. Commercial Bank’s lending for Low-Income Housing, to be made by SBP as “Priority Lending” segment, as is in India, Thailand etc. HBFCL allowed remission of loans to widow, orphans etc. in 1998-99 a total of Rs.1,231.9 million. In 2009-10, after due verification from Government Commercial Auditors, HBFCL received the last amount due Rs.865.2 from the Government.