Applications Open — 2026
Apni Chhat Apna Ghar Program 2026
— Complete Guide, Eligibility & Calculator
اپنی چھت اپنا گھر پروگرام ۲۰۲۶ — اہلیت، قرض کیلکولیٹر اور آن لائن درخواست
Chief Minister Punjab's flagship initiative to provide 100,000 affordable homes across Punjab. Under Model-3, eligible families receive a سود سے پاک قرضہ (0% interest-free loan) of up to PKR 15 Lac to build on their own land — repayable over 7 years at just ~PKR 14,000/month.
Quick Facts — Model 3 Loan
Max LoanPKR 15 Lac
Interest Rate0% (Interest Free)
Monthly Payment~PKR 14,000
Repayment7 Years
Grace Period3 Months
Target Units70,000
Executing BodyPHATA
StatusActive
What is Apni Chhat Apna Ghar?
اپنی چھت اپنا گھر پروگرام کیا ہے؟
Apni Chhat Apna Ghar (ACAG) is the Chief Minister of Punjab's landmark housing program designed to give low-income families a real chance at home ownership for the first time. The target is ambitious but clear: build 100,000 affordable houses and apartments across all districts of Punjab within four and a half years — covering both urban and rural communities.
The scheme specifically prioritises families currently living in rented homes or informal settlements who have never owned property. Punjab Housing & Town Planning Agency (PHATA) executes the program, while the Housing, Urban Development & Public Health Engineering Department (HUD&PHED) provides administrative oversight.
| Official Name | Apni Chhat Apna Ghar Program (ACAG) |
| Launched By | Chief Minister Punjab |
| Executing Agency | Punjab Housing & Town Planning Agency (PHATA) |
| Admin Department | HUD&PHED Punjab |
| Total Target | 100,000 Houses / Apartments |
| Program Timeline | 4.5 Years from Launch |
| Loan Amount (Model-3) | Up to PKR 15,00,000 (15 Lac) |
| Interest Rate | 0% — Completely Interest-Free |
| Monthly Installment | ~PKR 14,000 (on 15 Lac over 7 years) |
| Repayment Period | 7 Years (84 Months) |
| Grace Period | 3 Months (no installment for first 3 months) |
| Official Portal | acag.punjab.gov.pk |
| Helpline | 0800-09100 (Toll-Free) |
Expected Outcomes
Better Living Conditions
Families move from rented rooms and slum settlements into proper homes with access to water, sanitation, and electricity.
Reduced Overcrowding
Formal housing in dedicated schemes replaces overcrowded slum dwellings, improving community safety and wellbeing.
500,000 Jobs Created
Construction of 100,000 homes is expected to generate approximately half a million direct and indirect employment opportunities.
Economic Stimulus
Large-scale construction activity stimulates Punjab's economy through cement, steel, labour, and allied supply chains.
3 Execution Models
تین عملدرآمد ماڈل
ACAG delivers housing through three distinct models depending on land availability and the applicant's situation. Most applicants who own a small plot will fall under Model-3, which provides the interest-free construction loan.
1
Government Land
State Land + Developer Partnership
~10,000 Housing Units
Developers construct housing units on government-owned land in exchange for a portion of the land. PHATA supervises design, materials, and construction standards throughout.
2
Private PPP
Affordable Private Housing Schemes
~20,000 Housing Units
Private developers in PHATA-approved housing schemes must allocate 20% or more of residential area to affordable units. Government provides a PKR 1 million subsidy per unit and streamlined approvals.
3
Own Land — Interest-Free Loan
Self-Construction with 0% Loan
~70,000 Interest-Free Loans
If you own a plot (≤5 Marla urban / ≤10 Marla rural), you can apply for an interest-free construction loan of up to PKR 15 Lac, repayable over 7 years at ~PKR 14,000/month. This is the most widely available model.
Eligibility Criteria
اہلیت کی شرائط — تمام شرائط پوری ہونی ضروری ہیں
All conditions below must be fully met. Even a single disqualifying factor will result in rejection. Read every point carefully before beginning your application.
1
Punjab Resident: You must be a permanent resident of Punjab with a valid CNIC that shows a Punjab address. Residents of other provinces are not eligible for this scheme.
2
Plot Ownership: You must be the sole owner of a plot measuring 5 Marla or less in urban areas, or 10 Marla or less in rural areas. The plot must be in your name and available for construction.
3
First-Time Homeowner: Neither you, your spouse, nor your dependent children must own any other house anywhere in Pakistan. The scheme is strictly for families who have never owned a home.
4
No Criminal Record: You must have a clean legal record. Convictions for anti-state activities, anti-social crimes, or heinous offences will permanently disqualify an applicant.
5
No Loan Default: You must not be a defaulter with any bank or financial institution. Your credit history is verified through the SBP eCIB (credit bureau). Settled defaults with clearance certificates may be reconsidered.
6
Low-Income Household: Priority is given to low-income families. The scheme uses NSER/BISP PMT score data as a filter. If you are registered in NSER with a PMT score of 60 or below, you are considered within the priority income bracket.
Good news for women applicants: Women who are heads of their household as per NADRA records are fully eligible. Widows and divorced women heading their household are especially encouraged to apply. The scheme does not discriminate on the basis of gender.
Required Documents
ضروری دستاویزات — اصل اور 2 تصدیق شدہ نقلیں
Prepare 2 attested photocopies of every document below (attested by a Grade-17 government officer). Carry originals for verification at the bank and PHATA office. Missing even one document causes delays.
Valid CNIC (not expired)
CNIC copies of spouse & dependents
Plot ownership proof (Fard / Registry)
Updated Patwari / Tehsildar certificate
NSER / BISP registration certificate
PMT Score confirmation letter
Nikah Nama (for married applicants)
Recent utility bill (proof of residence)
4 recent passport-size photographs
Income proof / salary slip (if employed)
eCIB clearance certificate (if applicable)
Online application reference number
Check Your Eligibility
اپنی اہلیت جانچیں — فوری نتیجہ
Am I eligible for ACAG?
Answer 6 quick questions below. Your result appears instantly based on official eligibility criteria. No data is saved or shared.
1. Is your CNIC address from Punjab?
کیا آپ کا شناختی کارڈ پنجاب کا ہے؟
2. Do you own a plot (urban ≤5 Marla or rural ≤10 Marla)?
کیا آپ کے نام پر شہری علاقے میں ۵ مرلہ یا دیہاتی میں ۱۰ مرلہ تک زمین ہے؟
3. Do you, your spouse, or dependents own any house anywhere in Pakistan?
کیا آپ یا آپ کے اہل خانہ کے نام پر پہلے سے کوئی مکان ہے؟
4. Do you have a criminal record?
کیا آپ کا کوئی مجرمانہ ریکارڈ ہے؟
5. Are you a loan defaulter at any bank or financial institution?
کیا آپ کسی بینک کے قرض پر ڈیفالٹر ہیں؟
6. Are you registered in NSER / BISP with a low PMT score?
کیا آپ NSER/بی آئی ایس پی میں رجسٹرڈ ہیں؟
Interest-Free Loan Calculator
سود سے پاک قرضے کا کیلکولیٹر — ماہانہ قسط جانیں
The ACAG Model-3 loan is completely interest-free (0%). Your monthly installment is simply the loan amount divided equally over 84 months (7 years). Use this calculator to see exactly what you'll pay each month.
The maximum loan is PKR 15,00,000 (15 Lac). There is a 3-month grace period at the start — no payments required for the first 3 months after receiving the loan.
ACAG Interest-Free Loan Calculator
0% markup — monthly installment = loan amount ÷ 84 months. Maximum loan: PKR 15,00,000.
Loan Amount (PKR)
PKR 15,00,000
PKR 1 Lac
PKR 15 Lac (Maximum)
Loan Amount (Type Manually)
Max: 15,00,000
Repayment Period
7 Years (84 Months) — Fixed
+ 3-month grace period (no payment for first 3 months)
Your Estimated Repayment Breakdown
Your Monthly Installment
—
Payable every month for 84 months (after 3-month grace period)
Loan Amount
—
Total Repayment
—
Interest / Markup
PKR 0
How this works: Because the interest rate is 0%, your monthly installment = Loan Amount ÷ 84. For example: PKR 15,00,000 ÷ 84 = PKR 17,857/month. The government has stated the installment on maximum loan is approximately PKR 14,000/month — this may reflect a processing/admin fee structure in the final bank agreement. Always confirm final figures at your designated bank branch. Helpline: 0800-09100.
Quick Reference — Monthly Installments
| PKR 5,00,000 (5 Lac) | ~PKR 5,952/month over 7 years |
| PKR 7,50,000 (7.5 Lac) | ~PKR 8,929/month over 7 years |
| PKR 10,00,000 (10 Lac) | ~PKR 11,905/month over 7 years |
| PKR 12,00,000 (12 Lac) | ~PKR 14,286/month over 7 years |
| PKR 15,00,000 (15 Lac — Maximum) | ~PKR 14,000–17,857/month over 7 years |
Note: The government's announced figure of ~PKR 14,000/month on 15 Lac likely reflects a subsidised effective rate. Exact figures confirmed by your bank at time of approval.
How to Apply Online
آن لائن درخواست کیسے دیں — مکمل طریقہ
The entire initial application is digital — you do not need to visit any government office to submit your application. Follow these steps in order. Skipping ahead or going to a bank without your online reference number will waste your time.
1
Confirm Your NSER / BISP Registration
Before anything else, verify you are registered in the National Socio-Economic Registry (NSER) and confirm your PMT score. Visit your nearest BISP Tehsil office with your CNIC. If not yet registered, register first — this step can take 2–4 weeks, so do it first.
BISP / NADRA Office
2
Register Online at acag.punjab.gov.pk
Visit the official portal at acag.punjab.gov.pk. Click the registration section and enter your full name, CNIC number, and mobile number to create your account. Log in using your CNIC and password to access your dashboard. Fill in all personal details, income information, and your exact plot dimensions and location.
100% Online
3
Upload Documents & Submit Application
Attach clear scanned copies or photos of your CNIC and plot ownership proof (Registry/Fard). Submit the form. You will receive a unique reference number — save this carefully. You will need it at every subsequent step including your bank visit.
Online Upload
4
Prepare Your Physical Document Folder
Collect all required documents from the list above. Make 2 attested copies of each (attested by a Grade-17 government officer). Arrange originals and copies in labelled folders before your bank visit. Incomplete document sets are the most common cause of delays.
Preparation
5
Visit a Designated Bank Branch
Take your document folder and online reference number to a participating bank. Currently participating banks include Bank of Punjab (BOP), Habib Bank Limited (HBL), National Bank of Pakistan (NBP), and Bank Alfalah. The bank will run a credit check (eCIB) and verify your documents. No fee is charged at this stage.
Bank Visit
6
PHATA Land Verification (Site Visit)
Punjab Housing & Town Planning Agency (PHATA) will physically visit your plot to verify ownership, measure the land, and confirm it meets requirements. Ensure your Fard is current and accurate — discrepancies between NADRA/Fard records and actual plot size are the most common cause of outright rejection at this stage.
PHATA Site Visit
7
Loan Approval & Disbursement in Tranches
Once all verifications pass, your loan is approved and funds are released in instalments (tranches) tied to construction milestones. The revolving fund means your repayments help future beneficiaries get loans. Construction progress is monitored by PHATA at each milestone before the next tranche is released.
Approval & Build
Need help? Call the Punjab Government's official toll-free helpline at 0800-09100 for assistance with applications, document queries, or to report fraud. Lines are open during government working hours.
Districts Quota
ضلع وار کوٹہ
The ACAG program covers all districts of Punjab, with housing unit quotas allocated per district based on population and housing need. Knowing your district's available quota helps you understand your chances and timing.
View the official district-wise quota breakdown directly on the ACAG portal. Each district is listed with its allocated number of housing units under each execution model. Quotas can be revised as the program progresses, so check the latest figures before applying.
→ Click here to view the official District Quota on acag.punjab.gov.pk
→ Click here to view the official District Quota on acag.punjab.gov.pk
If your district's quota appears full or is nearing capacity, you can still register online — the PHATA maintains a waiting list and new tranches of units are released periodically throughout the 4.5-year program timeline.
Important Dates & Milestones
| Milestone | Date / Period | Status |
| ACAG Program Launch | 2024 | Completed |
| Online Registration Open | Ongoing — Register Now | Active |
| First Batch of Houses | 2025 – 2026 | In Progress |
| Model-3 Loan Disbursements | Ongoing (Tranche-Based) | Active |
| Full 100,000 Unit Target | Within 4.5 Years of Launch | Ongoing |
| Application Deadline | Not announced — Apply Early | Open |
Frequently Asked Questions
اکثر پوچھے جانے والے سوالات
Is the ACAG loan really 0% interest? No hidden charges?
+
Yes — the ACAG Model-3 loan is completely interest-free at 0% markup. The government has announced no service charges or hidden fees. Your monthly payment is simply your loan amount divided by 84 months. However, banks may apply minor administrative or processing fees that are disclosed at the time of agreement — always ask your bank to confirm the final total payable amount before signing anything.
I don't own land. Can I still get a house under ACAG?
+
Yes — but not under Model-3 (the self-construction loan). Model-1 (Government Land) and Model-2 (Private PPP schemes) provide housing without requiring you to own land. Visit acag.punjab.gov.pk or call 0800-09100 to check whether units under these models are available in your district.
My urban plot is 6 Marla. Am I disqualified?
+
For Model-3, yes — the urban plot limit is strictly 5 Marla or less. A 6-Marla urban plot does not qualify. The rural limit is 10 Marla. However, you may still qualify for Model-1 or Model-2 if units are available in your district, as these do not require you to own land.
What is the 3-month grace period?
+
After your loan is disbursed, you do not need to make any installment payments for the first 3 months. This grace period gives you time to begin construction and stabilise your finances before monthly repayments start in month 4. Your 84 installment payments begin from month 4 onward.
What if I don't know my PMT / NSER status?
+
Visit your nearest BISP Tehsil Office with your CNIC. They can confirm whether you are registered in NSER and what your PMT score is. If you are not yet registered, you can apply for NSER registration at the same office — though registration can take 2 to 4 weeks to process, so do this as early as possible.
Can a woman apply as head of household?
+
Absolutely. Women who are heads of their household as per NADRA records are fully eligible. The scheme does not discriminate on gender. Widows, divorced women, and women with absent spouses who head their household are specifically encouraged to apply. NADRA classification as household head is what matters — not marital status.
Is there any fee to apply for ACAG?
+
No — the application and registration process is completely free of cost. Do not pay any agent, consultant, or middleman claiming to process your application for a fee. This is a known scam. Report any such fraud to the Punjab Police Helpline at 1717. The official helpline 0800-09100 is toll-free.
How long does the approval process take?
+
Typically 6 to 10 weeks from complete document submission to final loan approval. This includes the bank's credit check (eCIB), PHATA's physical land verification, and final processing. Incomplete documents are the single biggest cause of delays — have everything ready before you visit the bank.
Can I apply if my CNIC is expired?
+
No. A valid, unexpired CNIC is mandatory at every stage. Renew your CNIC at any NADRA office before applying. Standard renewal takes 7 to 30 days; express service is faster but costs more. Do not start your application with an expiring CNIC — it will be rejected at the bank stage.
In how many instalments (tranches) will the loan be disbursed?
+
The loan is not given as a single lump sum. It is released in tranches (instalments) linked to construction milestones — foundation, plinth level, roof slab, and completion. PHATA inspects the construction at each milestone before releasing the next tranche. This protects both the borrower and the program from misuse of funds.
Official Links & Resources
ACAG Official Portal — Online Registration
acag.punjab.gov.pk
District-Wise Quota — All Districts of Punjab
acag.punjab.gov.pk/Layouts/Districts
HUD&PHED Department Punjab
hud.punjab.gov.pk
BISP — NSER Registration & PMT Score Check
bisp.gov.pk
Government of Punjab Official Website
punjab.gov.pk
Tips Before You Apply
Renew your CNIC first if it has expired or will expire within 6 months. Banks automatically reject applications with expired CNICs even if all other documents are perfect.
Get your land Fard updated from the local Patwari before applying. Outdated or mismatched land records are the second most common reason for rejection at the PHATA verification stage.
Check your eCIB credit report at any SBP-regulated bank before submitting your application. If you have an old settled default, get a clearance certificate in advance — this prevents rejection at the bank stage.
Apply early. The scheme targets 70,000 Model-3 loans over 4.5 years — earlier applications face less waiting, faster processing, and better construction season timing.
Save your online reference number after registering. You will need it at the bank, at PHATA's site visit, and for any follow-up queries. Screenshot it and store it safely.
Do not pay any agent or middleman to "guarantee" your application or speed up processing. Agents have zero influence on approval outcomes. Report fraud to Punjab Police at 1717.
Use the official helpline 0800-09100 (toll-free) for any questions. It is the only authorised channel for ACAG guidance — avoid unverified social media sources or YouTube channels claiming insider knowledge.
Editorial Note: This page was last reviewed in May 2026. All information is sourced from the official ACAG portal (acag.punjab.gov.pk), PHATA publications, and official Punjab government announcements. This is an independent information resource and is not affiliated with the Government of Punjab. Always confirm current details and final loan terms directly at acag.punjab.gov.pk or by calling 0800-09100 before making any decisions.