Apni Chhat Apna Ghar Programme
Interest-free loans for low-income families to build their own house on land they own. Applications are verified by independent microfinance institutions; a Rs 1.5 million loan is repaid over 9 years at about Rs 14,000 per month.
Independent, unofficial guide — not a government website. Running.
- Launched
- 2024
- Launched by
- Maryam Nawaz
- Department
- Government of Punjab (housing loans disbursed via partner microfinance institutions)
- Fee
- Free
- Helpline
- 0800-09100
Who can apply
- Permanent resident of Punjab with valid CNIC
- Owns a plot but no house (as per programme criteria)
- Selected on merit after verification
How to apply
- Check acag.punjab.gov.pk for current registration status; applications are submitted online when an official round is open
- Applications are verified by partner microfinance institutions
- Approved loans are disbursed in instalments as construction progresses
Documents needed
- CNIC
- Land ownership documents
Benefits
Interest-free loan of up to Rs 1.5 million, repayable over 9 years
Latest news
Applicants in Vehari say loans of up to Rs1.5m approved between January and 30 June 2026 had not paid out a first instalment by 25 Aug. Lenders say funds await transfer from the Punjab government.
News · not official2026-08-25Express Tribune ↗
A related repair loan, Apni Chhat, Mehfooz Chhat, is open for applications: interest-free up to Rs500,000 to repair a roof, up to Rs1m for a room or storey. Apply at acag.punjab.gov.pk or the DC/AC office.
News · not official2026-07-18ProPakistani ↗
These are news reports, not government announcements. Rules, fees and dates can change, so confirm on the official website: acag.punjab.gov.pk ↗
Official source
- Website: acag.punjab.gov.pk
- Source: punjab.gov.pk
Government sourceGovernment sourceVerified 2026-10-08Always confirm fees, eligibility and deadlines with the official department before you apply.
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