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The Government of Punjab, under the leadership of Chief Minister Maryam Nawaz, has officially launched the highly anticipated Apni Chhat Apna Ghar (ACAG) Scheme. This initiative is designed to fulfill the dream of homeownership for low-income families by providing interest-free loans of up to Rs. 1.5 million (15 Lakh).
Brand New Loan Categories (2026 Update)
According to the official ACAG Loan Category Portal, applicants can now choose from the following specific categories based on their needs:
1. Improve and Strengthen Your Existing Home 🛠️
If your house is in poor condition and requires urgent repairs, renovation, or structural strengthening, you can select this category. The government provides financial assistance (up to Rs. 500,000) to help you upgrade your living standards securely.
2. Expand Your Home with an Additional Storey 🏢
Is your family growing? You don't need to buy a new house. Under this category, families living in small, congested spaces can secure an interest-free loan (up to Rs. 1 million) to build a new floor, rooms, or an additional storey on their existing house.
3. Construct a New House on Empty Plot 🏡
The flagship category remains active for those who own a small piece of land (up to 5 Marla urban / 10 Marla rural) but lack construction funds. You can avail the full Rs. 1.5 Million loan to build your house from scratch.
Key Features of the ACAG Scheme 2026
- Interest-Free Loan: Eligible citizens will receive loans with absolutely zero interest (markup-free).
- Easy Installments: The repayment plan spans over 7 years with a monthly installment of approximately Rs. 14,000.
- Grace Period: Borrowers will enjoy a 3-month grace period before the first installment is due.
Eligibility Criteria: Who Can Apply?
- Residency: The applicant must be a permanent resident of Punjab holding a valid CNIC.
- Ownership: The applicant must be the owner of the plot or the existing house where construction/renovation is planned.
- Poverty Score: The applicant must be registered in the National Socio-Economic Registry (NSER) with a PMT (Proxy Means Test) score of 60 or below.
- Head of Family: The applicant should be the designated head of the family as per NADRA records.
- Financial Record: The applicant must not be a bank defaulter and should not have availed any previous housing loan.
Required Documents for Registration
- Front and back pictures of your valid CNIC.
- Proof of land/house ownership (Registry, Fard, or official Allotment Letter).
- Proof of income (Salary slips for the last 3-6 months, or a valid bank statement).
- Recent passport-sized photographs.
- A signed affidavit declaring that you meet all criteria.
How to Apply Online? (Step-by-Step Process)
The Punjab government has made the application process entirely digital. Follow these exact steps:
- Visit the Official Portal: Open your web browser and go to the official website: acag.punjab.gov.pk.
- Register an Account: Click on "Sign Up" and enter your CNIC number, mobile number, and a strong password to generate your citizen profile.
- Select Loan Category: On the dashboard, navigate to the Loan Category page and select the option that fits your need (e.g., "Improve Existing Home", "Expand Storey", or "New Construction").
- Fill the Application Form & Upload Documents: Provide your personal/property details and carefully upload the scanned copies of your CNIC, Fard/Registry, and affidavit.
- Submit & Track: Review all entered information. Click "Submit" to receive your application tracking ID via SMS.
Note: Clicking the button will take you directly to the Government of Punjab's official ACAG website.
Frequently Asked Questions (FAQs)
1. Can I apply for the loan to repair my old house?
Yes, absolutely! Under the new "Improve and Strengthen Your Existing Home" category, you can apply for an interest-free loan to renovate or repair your current residence.
2. I want to build a second floor for my joint family. Is it covered?
Yes. You can select the "Expand Your Home with an Additional Storey" category during the online application process to get funds for constructing a new floor or adding rooms.
3. Is there any interest (markup) on the ACAG loan?
No, the Apni Chhat Apna Ghar loan is 100% interest-free. You only have to pay back the principal amount.
Disclaimer: SahulatHub provides timely educational and government scheme updates for the convenience of the public. We are not affiliated with any government organization. For official processing, always use the designated government portals.
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