The Apni Chhat Apna Ghar Scheme 2026 is a flagship program by the Punjab Government providing interest-free loans to low- and middle-income families. This scheme helps eligible families in Punjab to build their own homes easily. The process is fully digital, making it convenient for all applicants. Families registered under BISP and PSER get priority for verification and approval.
Key Scheme Details
| Feature | Details |
|---|---|
| Maximum Loan | Rs. 1,500,000 |
| Interest Rate | 0% (Interest-Free) |
| Monthly Installment | Approx. Rs. 14,000 |
| Repayment Period | 7 Years |
| Grace Period | 3 Months |
| Plot Requirement | 5 Marla (Urban) / 10 Marla (Rural) |
| Apartment Option | Ready apartments available |
| Verification | Bank of Punjab & PITB |
Eligibility Criteria for Apni Chhat Apna Ghar Scheme 2026
The eligibility criteria are designed to help deserving families get easy access to housing. Applicants must be permanent residents of Punjab with a CNIC showing a Punjab address. Only the head of family as per NADRA records can apply. Families must own a 5 Marla plot in urban areas or 10 Marla in rural areas. Applicants should have a PMT score below 60 and must not be previous bank loan defaulters. Only one application is allowed per household. Priority is given to families under BISP and PSER, ensuring fair distribution of benefits.
How to Apply Online for Apni Chhat Apna Ghar Scheme 2026
The application process is fully online, ensuring transparency and quick processing for eligible families. Steps include:
- Visit the official portal acag.punjab.gov.pk
- Register using CNIC and mobile number
- Fill in personal details and upload CNIC, plot ownership documents, and a recent photograph
- Save the Tracking ID for future verification
The digital process ensures quick approval and reduces errors while maintaining a fully transparent system.
Important Loan Details
| Detail | Information |
|---|---|
| Total Loan Amount | Rs. 1,500,000 |
| Monthly Installment | Rs. 14,000 approx |
| Repayment Period | 7 Years (84 Months) |
| Grace Period | 3 Months (No Payment) |
| Late Fee | None |
| Eligibility | Permanent residents of Punjab |
| Apartment Option | Yes, for applicants without plot |
| Verification | Bank of Punjab & PITB |
Check Name in District-Wise Beneficiary List
Applicants can check the district-wise beneficiary list for Apni Chhat Apna Ghar Scheme 2026 online:
- Log in using CNIC and registered mobile number
- Enter Tracking ID
- Select your district to view status: Approved, Under Verification, or Rejected
SMS updates are sent automatically. Checking online ensures applicants remain informed about their loan approval and home allocation.
Benefits of This Program
The scheme provides life-changing benefits to eligible families in Punjab:
- Interest-free loans make homeownership affordable
- Monthly installments are comparable to rent
- Fully digital system ensures transparency and quick approval
- Ready apartments are available for those without a plot
- Prioritizes low-income families registered under BISP and PSER
- Improves living standards and financial security
Required Documents for Apni Chhat Apna Ghar Scheme 2026
Applicants must prepare these documents before applying:
- Valid CNIC
- Plot ownership proof (Registry, Fard, or Allotment Letter)
- Recent passport-size photograph
- Mobile number registered with CNIC
Incomplete documents may delay approval or lead to rejection. Ensuring all documents are correct increases chances for successful loan approval under the Punjab Government housing program.
Helpline and Contact Number
For guidance or complaints, applicants can contact the official helpline:
- Toll-Free Helpline: 0800-02345
- Email: support.acag@punjab.gov.pk
Applicants can also contact PHATA (Punjab Housing & Town Planning Agency), Lahore for further assistance. Using official helpline numbers ensures accurate guidance for the Apni Chhat Apna Ghar Scheme 2026.
Conclusion
The Apni Chhat Apna Ghar Scheme 2026 is a golden opportunity for families in Punjab to own a home without financial burden. Interest-free loans, affordable monthly installments, ready apartment options, and a fully digital process make this program highly accessible. Eligible families should apply online and monitor their application status on acag.punjab.gov.pk to take full advantage of this Punjab Government housing initiative.
FAQs:
Q1: What is the maximum loan under Apni Chhat Apna Ghar Scheme 2026?
The maximum loan is Rs. 1,500,000, fully interest-free.
Q2: Who is eligible to apply for this scheme?
Permanent residents of Punjab, heads of family with PMT score below 60, and plot ownership are eligible.
Q3: Can applicants without a plot get a home?
Yes, ready-made apartments are available in Lahore, Faisalabad, and Multan under the installment plan.
Q4: How can I check my application status?
Applicants can visit acag.punjab.gov.pk to log in using CNIC and Tracking ID to check the district-wise list.
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