Apni Chhat Apna Ghar Scheme 2026 – Complete Guide

The Apni Chhat Apna Ghar Scheme 2026 is a significant housing initiative launched by the Punjab Government under Chief Minister Maryam Nawaz Sharif. This program aims to support low-income and middle-class families in Punjab who are struggling with the rising cost of living and high rent. Through this initiative, eligible citizens can receive an interest-free loan of Rs. 1.5 million to build their own homes. The program targets families who already own small plots of land but cannot afford construction costs. Due to its benefits, the scheme has gained widespread popularity and has become one of the most searched government programs in 2026.

Apni Chhat Apna Ghar 15 Lakh Loan – Key Features

The Apni Chhat Apna Ghar Loan 2026 offers simple repayment terms, zero-interest financing, and affordable monthly installments. This program is designed to help families achieve homeownership without financial stress.

Feature Details

• Loan Amount: Rs. 15 Lakh

• Interest Rate: 0% (Completely Interest-Free)

• Repayment Duration: 7 Years (84 Months)

• Monthly Installment: Approx. Rs. 14,000

• Grace Period: 3 Months No Payment

• Urban Plot Limit: Up to 5 Marla

• Rural Plot Limit: Up to 10 Marla

• Official Portal: https://acag.punjab.gov.pk

This scheme ensures applicants repay only the principal loan amount. Its straightforward installment structure makes it affordable for working families, helping them gradually build their dream home.

Eligibility Criteria for Apni Chhat Apna Ghar Scheme 2026

To benefit from the Apni Chhat Apna Ghar Loan 2026, applicants must meet specific eligibility requirements set by the Punjab Government. The rules are clear to make the process transparent and accessible:

• Must be a permanent resident of Punjab

• Must be 18 years or older

• Must be married

• Must not already own a house

• Must own 5 Marla (urban) or 10 Marla (rural) land

• Must complete the PSER survey

• Must not be a bank defaulter

• Must not have a criminal record

The government has simplified the process by removing the PMT score requirement, making it easier for deserving families to apply.

Required Documents for Online Registration

Applicants need to prepare the following documents for smooth registration in the Apni Chhat Apna Ghar Scheme 2026:

• CNIC copy (front and back)

• Recent passport-size photograph

• Land ownership documents

• Active mobile number and email

• Family information details

• Utility bill for verification if required

Complete and accurate documentation increases the likelihood of loan approval and ensures a hassle-free application process.

Step-by-Step Process to Apply for the 15 Lakh Loan

Applying for the Apni Chhat Apna Ghar Loan 2026 is straightforward and fully online. The steps are:

• Visit the official website: https://acag.punjab.gov.pk

• Click on “Register” or “Apply Now”

• Enter CNIC and mobile number

• Create login credentials

• Fill in personal and property details

• Upload all required documents

• Review the entered information

• Submit the application and save the tracking ID

Applicants can track their loan status online, and approved candidates receive confirmation via SMS.

Benefits of Apni Chhat Apna Ghar 15 Lakh Housing Scheme

The Apni Chhat Apna Ghar Scheme 2026 provides multiple financial and social benefits for families:

• Completely interest-free loan with no hidden charges

• Affordable monthly installments of around Rs. 14,000

• Long repayment period of 7 years

• Grace period of 3 months

• Transparent digital application and tracking

• SMS updates for verification and approval

• Government-backed secure loan

For many families, the monthly installment is lower than their regular house rent, making owning a home realistic and achievable.

Latest Updates on Apni Chhat Apna Ghar Scheme Phase 2

Phase 2 of the scheme introduces improvements to expand coverage and accessibility. Updates include:

• Joint family members can apply for house expansion

• Faster and more efficient digital verification

• Inclusion of additional districts

• Enhanced transparency and accountability

• Strong monitoring to prevent fraud

These updates reinforce the Punjab Government’s commitment to fair and efficient loan distribution under the Apni Chhat Apna Ghar Scheme 2026.

Loan Disbursement and Repayment Structure

Understanding the repayment plan is essential before applying. The 15 Lakh loan follows this structure:

Component Description

• Total Loan: Rs. 1,500,000

• Installment Duration: 84 Months

• Monthly Payment: Approx. Rs. 14,000

• Grace Period: First 3 months no payment

• Early Repayment: Allowed without penalty

• Processing Fee: None

• Disbursement Mode: Bank transfer/official channel

• Verification Method: Digital and field verification

This repayment structure ensures families can manage installments comfortably without financial burden.

Helpline and Official Contact

For support regarding the Apni Chhat Apna Ghar Loan 2026, applicants should contact official government sources only:

• Helpline Number: 0800-09100

• Official Website: https://acag.punjab.gov.pk

• Application Support: Deputy Commissioner Offices

Citizens should avoid unofficial agents to prevent fraud and rely only on government platforms.

Conclusion

The Apni Chhat Apna Ghar Scheme 2026 is a transformative initiative for Punjab families. With a 15 Lakh interest-free loan, easy monthly installments, a transparent online process, and expanded Phase 2 coverage, it provides real relief to those in need. By meeting the eligibility criteria and completing the application process correctly, families can achieve the dream of homeownership.

FAQs

1. Who can apply for the Apni Chhat Apna Ghar Loan 2026?
   Applicants must be permanent Punjab residents, 18 years or older, married, landowners of 5-10 Marla, without prior house ownership or criminal records.

2. What is the loan amount provided?
   Eligible applicants can receive Rs. 15 Lakh interest-free.

3. What is the repayment period?
   The repayment duration is 7 years with a 3-month grace period.

4. Can the loan be repaid early?
   Yes, early repayment is allowed without penalty.

5. Where can I apply online?
   Applications can be submitted at https://acag.punjab.gov.pk.