For the first time in Pakistan, Chief Minister of Punjab Maryam Nawaz Sharif has introduced the “Apni Chhat Apna Ghar Scheme” to support poor and low-income families. This program is designed to help families who do not own a house by providing them with an interest-free loan of 15 lakh rupees. The initiative aims to empower people by allowing them to build their own homes.
If you have not yet applied for this loan or do not know how to join the scheme, this guide will help you understand all the details. Through this article, low-income families can learn how to get a 15 lakh rupee interest-free loan under this program.
How the Scheme Works
Many people are still unaware of the loan scheme or do not know the registration procedure. With this guide, you can learn how to apply online for the Apni Chhat Apna Ghar program from home. The loan of 15 lakh rupees comes with no interest. Repayment is spread over seven years in easy installments. Each monthly installment is around 14,000 rupees, which allows families to gradually repay the loan and own a house over time.
Online Registration 2026
To register online, you must fill out the application form carefully. Provide accurate personal details, submit the form, and you will receive a confirmation message regarding your eligibility. Loans for eligible applicants will start being disbursed from September 15, 2026. Those applying later will receive the loan in the second phase.
Eligibility Criteria
The Punjab government has set specific eligibility criteria to ensure that the program benefits those who genuinely need assistance. Applicants must meet the following conditions:
Must be a permanent resident of Punjab
Must be over 18 years of age
Must be married
Must not already own a home
Must own 5 marla urban land or 10 marla rural land
Must have completed the PSER survey
The PMT score is no longer required, so it will not affect your application.
Features and Benefits of the Loan
The main advantage of this 15 lakh rupee loan is that it is interest-free and can be repaid in manageable monthly installments. You can repay the loan over seven years, with each installment approximately 14,000 rupees. The first three months’ payments are waived to help you get started.
Step-by-Step Online Application
Visit the official scheme website at acag.punjab.gov.pk
Click the registration button
Fill in your personal details including CNIC, phone number, date of birth, and details of your father or spouse
Provide information about your property, employment, or business
Enter your full home address
Upload photos of your CNIC (front and back) and a passport-size photo
Review and accept terms and conditions
Submit the application
Your application will be sent to the Chief Minister’s program, and you will receive updates about your loan status.
Government Measures for Transparency
The Punjab government has introduced a helpline and tracking system for verification. Shortlisted applicants will receive SMS alerts before disbursement to ensure transparency and prevent fraud.
Loan Benefits Overview
The scheme aims to give homeownership opportunities to 70,000 families in Punjab. Loans are interest-free, repaid over seven years, and the first three months of payments are waived. This allows families to gradually repay the loan while building their houses.
Frequently Asked Questions (FAQs)
1. What is Apni Chhat Apna Ghar Scheme?
It is a program launched by Chief Minister Maryam Nawaz Sharif to provide interest-free loans of 15 lakh rupees to low-income families to build or buy houses.
2. How can I apply for the loan?
Visit acag.punjab.gov.pk, fill the registration form, upload the required documents, and submit the application.
3. Who is eligible?
Permanent resident of Punjab, above 18 years, married, does not own a home, owns 5 marla urban or 10 marla rural land, and completed the PSER survey.
4. What are the loan terms?
The loan is interest-free, repayable over seven years in monthly installments of 14,000 rupees. The first three months are waived.
5. When will the loan be disbursed?
Eligible applicants will receive loans starting February 2026; later applicants will be included in the second phase.
6. Is PMT score required?
No, PMT score is not required as per the latest Punjab government update.
7. What documents are required?
CNIC number, phone number, date of birth, father or spouse details, CNIC photos (front and back), and passport-size photo.
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