The Apni Chhat Apna Ghar (ACAG) Scheme 2026 is a flagship interest-free housing Punjab initiative launched by the Government of Punjab under the leadership of Maryam Nawaz Sharif. The program aims to solve the housing crisis by providing interest-free loans up to 15 lakh rupees to low-income families who own small plots but lack construction funds.
As of early 2026, the scheme has reached a major milestone by supporting thousands of families across Punjab, with an expanded target of 160,000 houses by June 2026.
What Is Apni Chhat Apna Ghar (ACAG) Scheme?
The ACAG Scheme 2026 is designed to help families living in rented homes or joint family systems build or expand their own houses. The government provides 0% interest loans with easy installments, making home construction affordable for deserving residents.
This scheme is widely searched as the Maryam Nawaz Loan Scheme and Punjab Housing Loan 2026 due to its accessibility and transparent digital process.
🏗️ Key Financial Details of ACAG Scheme 2026
| Feature | Details |
|---|---|
| Loan Amount | Up to PKR 1.5 Million (15 Lakhs) |
| Interest Rate | 0% (Interest-Free) |
| Repayment Period | 7 Years |
| Monthly Installment | Approx. PKR 14,000 |
| Grace Period | 3 Months (No payment required) |
The three-month grace period allows beneficiaries to begin construction before repayment starts.
📋 Eligibility Criteria for Apni Chhat Apna Ghar 2026
To qualify for the ACAG Scheme, applicants must meet the following conditions:
✅ Residency Requirement?
Must be a permanent resident of Punjab (verified via CNIC).
✅ Age Requirement?
Applicant must be 18 years or older.
✅ Land Ownership Criteria?
Urban Areas: Own a plot up to 5 Marla
Rural Areas: Own a plot up to 10 Marla
✅ Income Limit?
Monthly household income should ideally be below PKR 60,000.
✅ Clean Record?
Must not be a bank defaulter or have a criminal record.
✅ PSER Survey Requirement?
Completion of the Punjab Socio-Economic Registry (PSER) survey is mandatory.
Important 2026 Update?
The PMT score is no longer the primary deciding factor, making the scheme accessible to more joint families.
💻 How to Apply Online for Apni Chhat Apna Ghar (Step-by-Step)?
Applicants can register through the official digital portal.
Step 1: Visit the Official Portal
Go to:
https://acag.punjab.gov.pk
Step 2: Citizen Registration?
Click on Register and enter:
Full Name
CNIC
Mobile Number
Step 3: Login?
Use your CNIC and password to log in.
Step 4: Fill the Application Form?
Complete the following sections carefully:
Personal Information
Family Details
Property / Plot Information
Step 5: Upload Required Documents?
Upload digital copies of:
CNIC
Domicile
Proof of Land Ownership
Step 6: Submit Application?
Review all details carefully and click Submit.
Incorrect information may delay approval.
📍 Target Cities and Project Expansion 2026
While the scheme covers all Punjab, the first phase focused on major cities:
Lahore
Rawalpindi
Faisalabad
Sialkot
Multan
Sargodha
By January 2026, the government expanded the target to 160,000 houses by June 2026, significantly increasing the scope of the program.
📞 Official Helpline for ACAG Scheme
If applicants face technical issues during online registration, they can contact the official helpline:
Helpline Number: 0800-09100
Always rely on official channels to avoid fraud or misinformation.
Why Apni Chhat Apna Ghar Scheme Is Important?
The ACAG 2026 housing scheme addresses one of Punjab’s biggest challenges — affordable housing. By providing interest-free loans, it promotes home ownership, financial stability, and dignity for low-income families.
This initiative also stimulates economic activity by supporting construction and related industries.
Common Reasons for Application Rejection?
Applications may be rejected due to:
Incomplete PSER survey
Income exceeding eligibility threshold
Invalid CNIC or documentation
Unverified land ownership
Bank default history
Applicants can correct issues and reapply if eligible.
Frequently Asked Questions (FAQs)
What is Apni Chhat Apna Ghar Scheme 2026?
It is an interest-free housing loan scheme by the Punjab Government providing up to PKR 1.5 million for home construction.
Who can apply for ACAG Scheme?
Permanent residents of Punjab over 18 years old who own small plots and meet income criteria.
Is the loan really interest-free?
Yes, the loan carries 0% interest.
What is the monthly installment amount?
Approximately PKR 14,000 for 7 years.
Is PSER survey mandatory?
Yes, completing the PSER survey is required before applying.
How can I apply online for Apni Chhat Apna Ghar?
You can apply through the official portal at acag.punjab.gov.pk.
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