Apni Chat Apna Ghar Scheme 2026: Guide to Punjab’s Interest-Free Housing Program – Apply Online, Eligibility, Updates

If you’re tired of endless rent in Punjab, this guide explains the Apni Chhat Apna Ghar (ACAG) scheme in simple terms. Launched by CM Maryam Nawaz, it provides interest-free loans for low-income families to build or expand homes—now including joint families too. We cover the basics, latest progress, benefits, and everything else with updates as of February 1, 2026.

Overview of Apni Chhat Apna Ghar Scheme

What is Apni Chhat Apna Ghar (ACAG)?

ACAG is Punjab’s key government-run affordable housing program. It provides interest-free loans to eligible families so they can build on their own small plots or expand existing homes. For people without land, the linked Apni Zameen Apna Ghar component allots plots through balloting, followed by construction loans. The scheme targets everyday Punjabis—workers, small families, and joint households—with straightforward rules, zero interest, and government supervision to ensure quality builds.

History and Launch by CM Maryam Nawaz

Chief Minister Maryam Nawaz launched the scheme in August 2024. It started with a promise to deliver affordable homes fast, without the usual bank hassles. What began as a plan for around 100,000 units has scaled up significantly due to huge demand and steady progress.

Key Objectives and Vision

The core idea is to end the rent trap for low-income Punjabis and provide permanent homes. It strengthens joint family living, creates construction jobs, boosts local economies, and secures a better future for children—with a focus on sustainable, high-quality builds that could earn international recognition from the UN.

Message from Chief Minister Punjab Maryam Nawaz

CM Maryam Nawaz says seeing these homes built feels personal, like her family is gaining from it. She focuses on turning dreams into reality—especially now with added support for joint families to expand and stay together. She’s actively involved, chairing reviews, speeding up loan releases, and pushing faster balloting to maintain momentum.

Latest Updates as of February 2026: Expansion to Joint Families, New Targets, and Progress Reports

In late January 2026, the scheme expanded to joint families, allowing interest-free loans for home expansions, extra rooms, or renovations to support shared living. The target remains 160,000 homes by June 2026. Over 1.88 million people have registered, and more than 1.06 million applications have been received. Progress: 67,197 homes completed and occupied, 53,843 under construction. Loans totaling Rs 164.66 billion have been disbursed, with a 99% recovery rate. Around 700 homes finish daily. The first Apni Zameen Apna Ghar phase approved 1,534 plots for balloting in districts like Jhelum, Kasur, Faisalabad, and Lodhran. Momentum is building fast under the CM’s direct oversight.

Expected Outcomes and Achievements

Target: 160,000 Homes by June 2026

The plan is to reach 160,000 completed or enabled homes by mid-2026. It’s one of the quickest large-scale housing efforts in Pakistan, and current numbers suggest it’s realistic.

Current Progress includes the number of completed homes, loans disbursed, and recovery rates.

As of early February 2026, 67,197 houses were done, and families had moved in. Another 53,843 are being built right now. People repay the Rs 164.66 billion in interest-free loans on time, with 99% returning as scheduled, because these homes are their own, not handouts.

Economic Impact: Jobs Created and Community Benefits

Building all these homes means steady work for thousands—masons, laborers, material suppliers, and transporters. Families cut rent costs, freeing up cash for school fees, medical needs, or savings. It stabilizes neighborhoods and pumps money into local economies across Punjab.

Success Stories and Testimonials from Beneficiaries

Beneficiaries are sharing powerful stories. One worker said rent was crushing him, but now his home is taking shape—big thanks to the CM. Another received a personal visit and second installment, calling it life-changing. A woman, after years of renting, finally has her own peaceful place. These real experiences from thousands prove the scheme brings genuine hope and results to everyday families.

Benefits of Apni Chhat Apna Ghar Scheme

The advantages are clear and practical for families on tight budgets.

The scheme offers interest-free loans of up to 1.5 million PKR.

No markup or interest—up to Rs 1.5 million to build or expand. Often no payments for the first few months to ease the start.

Affordable Monthly Installments (10,000–26,000 PKR)

Installments fall between Rs 10,000 and 26,000 per month, depending on your amount and term. It feels similar to rent but builds ownership over 5–9 years.

Government Subsidy: Up to 60% Coverage and Loan Waivers

In many cases, the government covers a large portion (up to around 60% effective relief), plus waivers on parts like valuation fees for qualifying families—keeping total payback low.

Permanent Housing for Low-Income and Joint Families

It provides lasting homes for low-income groups and now joint families—loans for extensions or additions so everyone stays under one roof without splitting.

Quality Assurance and Construction Supervision

The government monitors builds through phased plans, material support, and checks. No corners cut—homes are solid and safe.

Freedom from Rent: Long-Term Security for Families

Stop paying rent forever. Own your space, gain family stability, and save money for better priorities like education or health. It’s real empowerment for ordinary Punjabis.

Eligibility Criteria for Apni Chhat Apna Ghar 2026

Who Can Apply? Low-income families, landowners, and joint households

You can apply if you’re the head of your family (per NADRA), a Punjab resident (CNIC address), and qualify as low-income. For standard loans, you need to own a plot: max 5 marla urban or 10 marla rural. The January 2026 expansion lets joint families get interest-free loans to add rooms or floors or renovate existing shared homes without separating. Priority often goes to renters, low-income workers (laborers, drivers, and shopkeepers), women-headed households, minorities, and differently-abled people. You must be at least 18 years old, a citizen of Pakistan, and submit one application per household.

PMT Score Requirements (NSER Under 60%)

You must be registered in the National Socio-Economic Registry (NSER) with a Proxy Means Test (PMT) score of 60 or lower. This proves your household is low-income and deserving. If you’re not in NSER yet, get registered through the closest Ehsaas/BISP center first—it’s a must for most approvals.

Required Documents: CNIC, Land Papers, and More

• Copy of your CNIC (and family members if needed)
• Proof of land ownership, such as a fard, registry, or mutation papers, is required for plot size limits.
• NSER registration/PMT score proof
• The NADRA family registration certificate is required to verify the head of the family.
• Contact details (phone, email)
• You may also need to provide proof of address, such as a utility bill. Proof of a shared household may be required for joint family expansions. Keep scans ready—the online form asks for uploads.

Eligible Cities and Districts in Punjab (Lahore, Faisalabad, Multan, Rawalpindi, Sialkot, etc.)

The scheme covers all districts in Punjab—no exceptions. The scheme encompasses major cities such as Lahore, Faisalabad, Multan, Rawalpindi, Sialkot, and Gujranwala, as well as smaller ones like Jhelum, Kasur, and Lodhran, as well as rural areas. As long as your CNIC shows Punjab residency and your plot (if required) is in Punjab, you’re good.

Who Should NOT Apply? (Defaulters, High-Income, Criminal Records)

Skip it if:

• You’re a loan defaulter (any bank or financial institution)
• Your household PMT score is over 60 (not low-income)
• You have a serious criminal record
• You already own multiple properties or a big house outside the limits.
• You’re not a Punjab resident or the head of a family per NADRA. Joint families qualify for expansion only if they meet income/PMT rules—it’s not automatic.

Here are some common reasons why applications are rejected and how to prevent them.

Rejections usually happen because of incomplete docs, wrong plot size (over 5/10 marla), high PMT score, fake info, or not being NSER-registered. To avoid: Double-check everything against the official site before submitting, get NSER done early, upload clear scans, and call the helpline (0800-09100) if unsure. Should your application be rejected, the portal will display the reason—please address the issue and reapply if you are eligible

Execution Models and Ballot System

Difference Between ACAG Ballot 1, Ballot 2, and Ballot 3

The scheme runs through three main models (often called ballots for allocation phases):

Ballot 1: Government Land Housing and Plot Allotment (Apni Zameen Apna Ghar for Landless)

This scheme is specifically designed for families who have no land. The government allots plots on state land, then provides interest-free loans to build. Key features: Key features include equity-based sharing and phased construction, which the government oversees to ensure quality. Tentative units: Around 10,000+ overall. In phase 1, 1,534 plots already approved/balloted in districts like Jhelum, Kasur, Faisalabad, and Lodhran.

Ballot 2: Affordable Housing in Private Schemes

The government partners with private developers for ready or near-ready units in approved housing societies. You get subsidized access. Key features: Faster move-in and developer partnerships ensure quality. Tentative units: 20,000+.

Ballot 3: Interest-Free Loans for Self-Construction or extensions have already been

The most common one is for people who already own small plots (or now joint families). You get up to an Rs 1.5 million interest-free loan to build or expand/renovate. Key features: Flexible for self-construction, home improvements, and new joint family additions. Tentative units/loans: 70,000+.

District-Based Quota of Loans and Allocations

Loans and plots are distributed with district quotas based on population and demand—ensuring a fair share across Punjab. Balloting is transparent, often live or online-tracked.

Installment Plan and Financial Details

Down Payment Requirements

The down payment requirements vary depending on the model; some require a small initial down payment (e.g., 40% in certain private schemes, spread over time), while many start with no or minimal upfront payment (the first 3 months are typically payment-free). For standard loans, the focus is on an effortless start.

Monthly Installment Breakdown (5–9 Year Tenure)

Installments are typically Rs 10,000–26,000 per month, depending on the loan amount (up to Rs 1.5 million) and tenure (5–9 years; often 7 years is common). For a loan of Rs 1.5 million over a tenure of 7 years, the monthly installment is approximately Rs 14,000–18,000. It bears a resemblance to rent, yet it fosters a sense of ownership.

Check Your Monthly Installment: Interactive Calculator

The official portal (acag.punjab.gov.pk) has a built-in calculator—plug in the loan amount and tenure and see the exact installments. No need for guesswork.

Subsidy Details and Repayment Options

Government subsidy covers big chunks (effective up to 60% relief in some cases), valuation waivers, or partial loan forgiveness for the deserving. If possible, please consider repaying early, as there is no penalty, or you may adhere to the schedule. Funds disbursed in tranches tied to construction progress.

Second Installment Updates: Release Process and Status

Second (and later) installments are released after progress verification—submit photos/docs via portal or site visit. CM has pushed quick approvals; track status online.

How to Apply for Apni Chhat Apna Ghar Scheme 2026

Step-by-Step Online Registration Guide (acag.punjab.gov.pk)

1. Go to the official site: acag.punjab.gov.pk
2. Click “Apply Online” or “Citizen Registration Form.”
3. Fill in personal details: CNIC, name, phone, email, address
4. Add family info and NSER/PMT details
5. Upload required documents (CNIC and land papers, if applicable).
6. Certify statements and submit
7. Get confirmation/reference number—save it

Offline Application: Toll-Free Helpline (0800-09100) and Physical Forms

Call 0800-09100 (free) for guidance or to start. Some physical forms are available at local government offices, PHATA centers, or designated spots—but online is fastest and recommended.

Required Information and Documents for the Form

The required information and documents for the form are the same as those for eligibility, including CNIC, land proof, NSER, and family details. Have them scanned/digital.

Initial Verification Process: What to Expect

After submission: The system checks basics (NADRA, NSER). Then shortlisting/balloting. You might get site verification or a document check. The portal updates the status.

Apni Chhat Apna Ghar Application Status Check: How to Track Online

Log back into acag.punjab.gov.pk with your CNIC/reference number. The dashboard shows progress, approval, or reasons if pending/rejected.

Important Notes: Avoid Fake Sites, Guaranteed Approval Scams

Only use acag.punjab.gov.pk—no other sites. Beware fake calls promising “sure approval” for money. Never pay agents upfront. Helpline is official. If in doubt, call 0800-09100 directly.

More Information and Resources

The construction process includes phased plans, a materials subsidy, and oversight.

Construction follows clear phases for organization and quality. Loans are released in stages: initial after approval, then more after milestones (foundation, walls, roof). Upload progress Officials can either inspect sites or review photos and reports on the portal. PHATA and HUD&PHED oversee everything—monitoring builds, enforcing standards, and resolving issues. Materials subsidies (bricks, cement, steel) apply in many cases, especially in Model 1 or partnerships. For ballot 3 self-construction, you manage it but follow approved plans for safety and durability. Emphasis is on strong homes without shortcuts, with CM Maryam Nawaz driving both quality and daily progress.

Comparison with Other Punjab Housing Schemes (e.g., Mera Ghar Mera Ashiana)

Apni Chhat Apna Ghar is fully interest-free—no markup—unlike Mera Ghar Mera Ashiana, a federal scheme with subsidized low-interest loans (5–8% tiers + KIBOR later). ACAG gives Punjab low-income families up to Rs 1.5 million in easy, rent-like installments, plus joint family expansions. Mera Ghar needs bank financing, often 10% down; higher loans are possible (Rs 3.5M+), but they include interest and stricter checks. ACAG is simpler for plot owners/landless (via balloting), heavily subsidized (up to 60% relief), 99% recovery, and truly people-first—no bank middleman—while federal options suit those okay with some interest.

Tips for Successful Application and Approval

• Please ensure you register for NSER/PMT at your earliest convenience, if not already completed, by visiting
• Prepare clear scans of all docs (CNIC, fard/registry, family cert) before starting.
• Use only the official site—double-check the URL.
• Apply as head of family per NADRA records.
• For joint families: Highlight shared household needs in the form if asked.
• Track status regularly and respond fast to any verification requests.
• Please contact the helpline for any questions, and avoid paying agents who promise “guaranteed.”
• If the portal rejects your application, review the reason (e.g., incomplete documents) and address it before reapplying.

Contact Us: Helpline, Official Portal, and Support Centers

• Official Portal: acag.punjab.gov.pk—please visit to apply, check your status,
• Toll-Free Helpline: 0800-09100—call anytime for guidance, status, or help.
• Support: Local PHATA offices, HUD&PHED centers, or government facilitation points in districts—ask the helpline for the nearest one.
• For complaints/updates: Follow CM Maryam Nawaz or official Punjab government channels.

About This Guide: It includes sources, updates (last updated on February 1, 2026), and information about the author’s expertise.

This guide pulls from official Punjab government sources, portal details, recent news from reliable outlets (Dunya News, The Nation, Business Recorder), and progress reports up to February 1, 2026. Last major update: January 23, 2026, joint family expansion announcement. I’m writing this column as someone who’s followed Punjab housing initiatives closely—tracking launches, expansions, and real beneficiary feedback to give straightforward, up-to-date info without fluff.

Frequently Asked Questions (FAQs)

What is the Apni Chhat Apna Ghar Scheme?

It’s Punjab’s government program giving interest-free loans to low-income families for building, expanding, or renovating homes—ending rent struggles and supporting permanent ownership.

Who Can Apply for the Apni Chhat Apna Ghar Scheme 2026?

Punjab residents (CNIC), low-income (PMT ≤60% on NSER), plot owners (≤5 marla urban/10 marla rural), or joint families for expansions. The head of the family must have no defaults or criminal issues.

How to Apply Online for Apni Chhat Apna Ghar?

Visit acag.punjab.gov.pk, click registration, fill in details (CNIC, family, NSER), upload docs, and submit. Please obtain a reference number to track.

Is there an offline application method?

Yes—call 0800-09100 for help, or get physical forms at local government/PHATA offices (but online is faster).

What is the Loan Amount Under Apni Chhat Apna Ghar?

The loan amount under Apni Chhat Apna Ghar can range from Rs 1.5 million to Rs 1.5 million, depending on the model and needs such as construction, extension, or renovation.

Is the Apni Chhat Apna Ghar Loan Interest-Free?

Yes—completely no interest/markup. The government covers that burden.

What is the Installment Plan and Down Payment?

5–9 years tenure, monthly Rs 10,000–26,000 (like rent). Typically, there is a minimal or no upfront down payment required, and in many cases, the first month’s payment is free.

How to Check Apni Chhat Apna Ghar Application Status?

Log in to acag.punjab.gov.pk with CNIC/reference number—the dashboard shows updates, approvals, or issues.

What Documents Are Required for Registration?

The required documents for registration include the CNIC copy, land proof (fard/registry), NSER/PMT details, family registration certificate, and contact information.

Is the Scheme Available in All Cities in Punjab?

The scheme is available in all districts of Punjab, both urban and rural, without any exceptions.

Who Supervises the Construction Process?

PHATA and HUD&PHED oversee phased checks, quality standards, and materials support.

What is ACAG, and Why is it Important?

ACAG = Apni Chhat Apna Ghar. The importance of ACAG lies in its ability to provide real housing, free from interest traps, to millions of people, thereby fostering the growth of families, jobs, and communities.

How Does the Joint Family Expansion Work?

Approved January 2026: Joint households get interest-free loans to add rooms/floors or renovate existing shared homes—keeps families together, easy installments.

What Happens if My Application is Rejected?

The portal displays the reason for rejection (e.g., document issue, high payment amount). Please address the issue and reapply if you remain eligible—many applicants do so successfully.

Can I Get a Loan for Home Renovation or Extension?

Yes—especially now with joint family focus; loans cover renovations, additions, and improvements on existing structures.

Conclusion:

Rent keeps rising, but Apni Chhat Apna Ghar flips the script with interest-free loans, 67,000+ homes already built, a 160,000 target by June, and now support for joint families too.

It’s more than a house—it’s security for your kids, freedom from landlords, jobs for workers, and stronger communities, with 99% recovery because people truly value it. CM Maryam Nawaz is driving it forward—if you qualify, don’t wait: visit acag.punjab.gov.pk or call 0800-09100 today; your roof could be closer than you think.