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Apni Chhat Apna Ghar: Rs1.5m Interest-Free Loan

Apni Chhat Apna Ghar gives Punjab residents who already own a plot an interest-free loan of up to Rs1.5 million to build a house on it. Repayment runs over seven years at a maximum instalment of about Rs14,000 a month, with no payment for the first three months. You apply free at acag.punjab.gov.pk, and the money is released in tranches as construction progresses.

Written by Aadil Shezad · Updated 9 Oct 2026

The programme at a glance

Run byGovernment of Punjab (PHATA, under Housing, Urban Development & Public Health Engineering)
LaunchedAugust 2024 by Chief Minister Maryam Nawaz Sharif
LoanUp to Rs1.5 million, interest-free
RepaymentSeven years, maximum instalment about Rs14,000 a month
Grace periodNo instalment for the first three months
Who it is forPunjab residents who own a plot but cannot afford to build on it
Plot limitUp to 5 marla in urban areas, up to 10 marla in rural areas
Apply atacag.punjab.gov.pk · helpline 0800-09100
Cost to applyFree. No fee at any stage

Who can apply

Apni Chhat Apna Ghar is for low-income Punjab families who own land but have no house on it. The plot, not your salary, is the starting condition.

  • Permanent resident of Punjab with a valid CNIC
  • Head of the family according to NADRA records
  • Owns a plot within the size limits, with documents in their name
  • Does not already own a built house
  • Registered in the National Socio-Economic Registry with a PMT score of 60 or below
  • Not a bank defaulter and no criminal record

Apni Chhat Apna Ghar is open to permanent residents of Punjab who own a plot of up to 5 marla in an urban area or up to 10 marla in a rural area and do not already own a constructed house. Applicants must be the head of the family in NADRA records and hold a poverty score of 60 or below in the National Socio-Economic Registry, the same survey used for other welfare programmes.

Full conditions, including the PMT score and quotas: who qualifies for Apni Chhat Apna Ghar.

What the loan costs you

The Apni Chhat Apna Ghar repayment track: three months' grace, then nine years of instalments A timeline. Three months after disbursement begins, no instalment is due. Repayment then runs for seven years in instalments of about Rs14,000 at the Rs1.5 million ceiling, 84 payments in all, with no markup. Settling in years one to three is reported to write off 20 per cent of the outstanding balance, and settling in years four to six 10 per cent; years seven to nine carry no reported rebate. No official notification sets these rebates and the lender's own loan documents contain no rebate clause. Nine years to repay, and two windows where clearing early may pay you back Interest-free, so the only saving on offer is the early-settlement rebate. 3 months, no payment Years 1 to 3 settle now, 20% of the balance written off Years 4 to 6 settle now, 10% written off Years 7 to 9 no rebate reported 0 1 2 3 4 5 6 7 8 9 Instalments of about Rs14,000 at the Rs1.5 million ceiling, 108 of them. No official notification sets these rebates, and the lender's own loan documents contain no rebate clause.
Three months before the first instalment, then nine years of about Rs14,000 at the Rs1.5 million ceiling. The rebate percentages are reported by secondary summaries rather than an official notification.

Nothing in markup. The scheme carries no interest and no service charges, so you repay only what you borrowed.

ItemAmount
Maximum loanRs1,500,000
MarkupNil
Repayment period9 years (108 months), including a three-month grace period
Maximum monthly instalmentAbout Rs14,000
First payment dueAfter a three-month grace period
Total repaid on a full Rs1.5m loanRs1,500,000

Our read: compare that with the federal Apna Ghar Program, where Rs1.5 million at 5% over seven years would cost roughly Rs21,200 a month and about Rs280,000 in markup. The Punjab scheme is far cheaper, but it is smaller, limited to Punjab, and only for people who already own a plot. Side by side: Apni Chhat Apna Ghar vs the federal Apna Ghar Program.

How to apply

  1. Step 1

    Register at acag.punjab.gov.pk with your CNIC, name, mobile number and district.

  2. Step 2

    Fill the application: personal details, plot details and household information.

  3. Step 3

    Upload documents: CNIC, proof of ownership (fard, registry or allotment letter), proof of possession, income evidence and photographs.

  4. Step 4

    Submit and save the tracking number.

  5. Step 5 · Final step

    Wait for verification and balloting. Approved applicants are notified on the portal dashboard.

Step-by-step with the document checklist: how to apply online at acag.punjab.gov.pk. No agent can speed this up, and no official charges a fee.

How the money reaches you

Apni Chhat Apna Ghar does not pay the loan as a single lump sum. The amount is released in tranches tied to construction progress, through the Bank of Punjab and partner institutions, so each instalment of the loan follows verified building work on the applicant's own plot. Applicants who have already started construction can apply for funds to complete it.

Where the programme stands

Punjab reports large numbers, though they come from government statements rather than an audited public dataset. Senior Minister Marriyum Aurangzeb said in October 2026 that more than 200,000 homes had been delivered, and the programme won a UN-Habitat Scroll of Honour that month. Earlier official reporting put the target at 160,000 homes by June 2026.

Figures are as announced by the Punjab government and reported in national media. We have not seen a published dataset behind them.

Common questions

Do I need to own a plot first?

Yes. This scheme builds on land you already own. If you have no plot, look at the separate Punjab scheme that allots small plots, or the federal programme that finances purchase.

Is it really interest-free?

Yes. The Chief Minister announced it with no interest, hidden charges or service charges.

Can I apply if my PMT score is above 60?

Not as things stand. You can ask for a resurvey through your nearest BISP office if you believe your score is wrong.

Is there a fee to apply?

No. The portal is free and anyone asking for payment is not an official channel.

Sources

  • Dawn, 22 Aug 2024: loan amount, interest-free terms, Rs14,000 maximum instalment, three-month grace, plot limits and the portal (this launch-day report gives the term as seven years; see the note on the instalments page) (Rs14,000 instalment, plot limits, portal and helpline)
  • Khyber News: UN-Habitat Scroll of Honour and the 200,000-homes statement, October 2026
  • Punjab government programme pages (acag.punjab.gov.pk, smu.punjab.gov.pk) for process and eligibility

SchemesPK is an independent guide and is not affiliated with the Government of Punjab or PHATA. Apply only through acag.punjab.gov.pk or the 0800-09100 helpline.