Apni Chhat Apna Ghar Scheme 2026: Rs 278 Billion Disbursed, 120,753 Homes Completed — Eligibility & Apply Guide
Tired of paying rent every month while the dream of your own roof stays unfulfilled? That is the story of millions of families across Punjab — they own a small plot, but have no money to build on it.
The answer is the Apni Chhat Apna Ghar Scheme — the Punjab government’s interest-free housing loan program. Fresh figures show 214,302 families have received loans, Rs 278.46 billion has been disbursed, and 120,753 homes stand completed. This guide covers eligibility, loan categories, the apply process and repayment — everything in one place.
About the Scheme
Apni Chhat Apna Ghar (ACAG) is the Punjab government’s flagship housing program, launched in August 2024 by Chief Minister Maryam Nawaz. Instead of handing out ready-built houses, the government gives interest-free loans so families can build on land they already own — the way they need it. The program runs on three models: housing on government land, housing through private housing schemes, and direct interest-free loans for land owners (the model most families use). On 5 October 2026, the program won the UN-Habitat Scroll of Honour in Muscat — global recognition for affordable housing.
Latest Update — Rs 278 Billion Disbursed (October 2026)
On 6 October 2026, Punjab Information Minister Azma Bokhari shared the latest progress: 214,302 interest-free loans issued, over Rs 278.46 billion disbursed, 120,753 homes completed and 60,464 more under construction. She also presented live videos of beneficiary families.
A day earlier, on 5 October 2026, CM Maryam Nawaz received the UN-Habitat Scroll of Honour in Muscat for this program — international recognition for Punjab’s flagship housing initiative. The government targets 500,000 homes in five years.
Key Details at a Glance
| Scheme | Apni Chhat Apna Ghar (ACAG) |
| Launched | August 2024, by CM Maryam Nawaz |
| Loan amount | Up to Rs 1.5 million, 100% interest-free |
| Monthly installment | ~Rs 14,000 |
| Repayment period | 7 years (3-month grace period) |
| Loans issued so far | 214,302 |
| Amount disbursed | Rs 278.46 billion |
| Homes completed | 120,753 (+60,464 under construction) |
| Official portal | acag.punjab.gov.pk |
| Helpline | 0800-09100 (toll-free) |
Loan Categories — Three Options
Rs 500,000 — Washroom Construction
For families needing a washroom built on their plot.
Rs 1,000,000 — Upper Portion
For constructing an additional upper portion or floor.
Rs 1,500,000 — New Construction / Extension / Repair
For building a new house, extending, or major repair on your own plot. All three categories are 0% markup — you repay only the principal.
Eligibility Criteria
- Permanent resident of Punjab with valid CNIC
- Head of the family as per NADRA record
- Own a residential plot: 1–5 marla (urban) or 1–10 marla (rural)
- PMT score 60 or below (NSER)
- Not a bank defaulter; no serious criminal record
- One applicant per family
Required Documents
Keep these ready before you start the online form:
- Valid CNIC (front and back)
- Fard / Registry / Intiqal — proof that the plot is in your name
- Photographs of the existing house or plot
- Mobile number registered on your own CNIC
- Father’s or husband’s CNIC (as required on the form)
How to Apply Online — Step by Step
- Visit the official portal: acag.punjab.gov.pk
- Click Registration and create an account with your CNIC and mobile number
- Fill the application form and select your loan category
- Upload documents: CNIC, property ownership proof (Fard), photographs of the existing house/plot
- Submit — application is free of cost
- Track status by logging in with your CNIC; SMS/email updates follow
No internet? Visit your nearest DC/AC office or PHATA facilitation desk, or call 0800-09100.
Repayment Terms
- Zero interest — repay only what you borrow
- ~Rs 14,000/month for 7 years
- First 3 months grace — no installment due
- Identity and property verified via NADRA and Punjab Land Records Authority
FAQs
Is the Apni Chhat Apna Ghar loan really interest-free?
Yes — all three categories carry 0% markup. You repay only the principal in easy monthly installments.
What is the maximum loan amount?
Rs 1.5 million for new construction, extension or major repair on your own plot.
Who can apply?
Punjab residents who are head of family (NADRA), own a 1–5 marla urban or 1–10 marla rural plot, have PMT score 60 or below, and are not bank defaulters.
How do I check my application status?
Log in at acag.punjab.gov.pk with your CNIC; you will also get SMS/email updates.
What is the helpline number?
0800-09100 (toll-free). Never share CNIC/documents with private numbers claiming to process your application for a fee — the process is free.
Is this the same as Apna Ghar Mehfooz Ghar?
No. Apni Chhat Apna Ghar covers construction loans (5/10/15 lakh); Mehfooz Ghar is a separate roof-safety component.
Related Guides
Disclaimer: PrimeUpdates.pk is an independent information website and is not affiliated with the Government of Punjab. Always verify details on the official portal acag.punjab.gov.pk before applying.
