Supervisor: Mr. Mommin Durrani
Real estate sector of Pakistan accounts for almost 5.7 percent of GDP 1which comes to
around $19.7 Billion USD. Pakistan, with its cultural and socio-economic dynamics, was unable
to harness the full extent of this rewarding sector but lately, a shift in precedence is being observed
over the last 10-15 years. However, even with the substantial increase of real estate activity in the
country, attention has not been given to reforms in procedures of transfer and allotment of land/
real estate. If a person intends to invest in real estate documents like Fard-e-malkiat, No Demand
Certificate, Stamp duty, sale deed, mutation certificates are required which are derived from
archaic acts like Transfer of Property Act 1882, Stamp Act 1899 and Land Revenue Act 1967.
DHA is one of the pioneers 2
and trend setters in housing projects in Pakistan with projects in 8
cities of Pakistan. DHAI-R was established in 2005 on the same model as DHA Karachi and
Lahore. And similar operating procedures were adopted for all routine and specialized tasks. These
procedures worked well when workload was less but with the launch of additional phases (On
average 19 transfer and record applications daily3
), they are not coping up with the pace. Therefore,
the procedures for allotment, transfers, possessions, updating of account statements have become
cumbersome, with many of the steps being repetitive or redundant. So far, a critical analysis of the
procedures has not been done in DHA. This business projects aims to study the arduous transfer
process and recommend suitable improvements in these procedures to make them more
efficient. In this paper the intent is to identify all current procedures and their requirement
(authenticity, verification, government requirements, legal etc) and then suggest improvements in
the procedures without impinging on legal and government requirements
