Apni Chhat Apna Ghar Program (ACAG)
اپنی چھت اپنا گھر پروگرام
Registration open Housing · Checked 29 October 2026
Online applications are rolling, with no published closing date, and the registration form was live on 29 Oct 2026. On that date the portal showed 228,410 loans disbursed (PKR 294,996.6 million), 128,531 houses completed and 63,329 under construction. Tribune reported in Aug 2026 that some loans approved between January and June 2026 were still awaiting their first instalment.
A Punjab government programme that gives interest-free loans of up to Rs1.5 million to low-income families to build a house on a small plot they already own. Applications are made online at acag.punjab.gov.pk and are run by the Punjab Housing & Town Planning Agency (PHATA).
Installment calculator
Estimate in equal monthly installments. The bank's offer letter gives the final installment.
Who can apply
- Permanent resident of Punjab as shown on your CNIC
- Head of your nuclear (beta) family as per NADRA record
- Aged 21 to 60 years when you apply
- Registered in the National/Punjab Socio-Economic Registry (NSER/PSER) with a PMT score of 60 or less
- Sole owner and possessor of a plot of up to 5 marla in an urban area or up to 10 marla in a rural area, anywhere in Punjab, on the date you apply, where you will build the house
- No criminal record
- Not a loan defaulter of any bank or financial institution
Who cannot apply
- People who do not own a plot (the loan is only for building on your own land)
- Joint/shared plot owners who are not the sole owner, or plots larger than 5 marla urban / 10 marla rural
- Households with a PMT score above 60 or not registered in NSER/PSER
- Applicants under 21 or over 60
- Loan defaulters and people convicted of anti-state, anti-social or heinous crimes
Documents you need
- Valid CNIC of the applicant
- Father's/husband's CNIC number
- Mobile number registered in the applicant's own name (for OTP and SMS alerts)
- Proof of sole ownership of the plot (it is verified and pledged against the loan)
- Two non-family guarantors (as described by the PHATA DG to Dawn)
How to apply
- Go to acag.punjab.gov.pk and choose 'New Application - Apni Chhat Apna Ghar (Construction of New House)'
- Fill the Citizen Registration Form: name, CNIC, father's/husband's CNIC, gender, mobile number in your name, division, district, tehsil and city, then set a password
- Verify your mobile with the OTP sent by SMS/email and log in
- Complete the application with your plot and household details and submit
- After approval, a partner lending organisation (for example Akhuwat or NRSP) visits and verifies the plot, takes guarantees and pledges the plot
- The loan is released in instalments as construction progresses; existing applicants request later instalments through the same portal
- For help call the toll-free helpline 0800-09100
Helpline: 0800-09100 (toll-free); PHATA 042-99213419, 042-99213428; info@phata.punjab.gov.pk
Apply only on the official portal. Registration is free; never pay an agent or share your CNIC, PIN or OTP with anyone who calls you.
Questions
How much loan can I get under Apni Chhat Apna Ghar?
Up to Rs1.5 million, interest-free, to build a new house on a plot you own. The Punjab government pays the markup.
What is the monthly instalment?
The Chief Minister has stated about Rs14,000 a month over nine years for the full Rs1.5 million loan, with a three-month grace period before repayment starts.
Can I apply if I don't own a plot?
No. You must be the sole owner of a plot of up to 5 marla in a city or up to 10 marla in a village. People without land can look at the separate Apni Zameen Apna Ghar free-plot programme.
Is there a PMT score or income condition?
Yes. The ACAG portal requires registration in NSER/PSER with a PMT score of 60 or less.
Do I get a discount for paying early?
Yes. If you repay the whole remaining loan early you get a rebate on the outstanding principal: 20% within 1-3 years and 10% within 4-6 years.
Where do I apply and who runs it?
Online at acag.punjab.gov.pk (helpline 0800-09100). PHATA is the executing agency and the HUD&PHED Department is the administrative department.
Sources: Punjab Portal - Apni Chhat Apna Ghar Program · ACAG portal - Eligibility Criteria · ACAG portal - About Program (Execution Model-3) · ACAG portal home (live stats, early payment rebate, helpline) · ACAG portal - Loan Category (Apni Chhat Mehfooz Chhat) · DGPR Punjab - Apni Chhat Apna Ghar · Dawn - Nawaz inaugurates 'Apni Zameen, Apna Ghar' plan (27 Nov 2025) · Dawn - The weakness of the roof over the head (2026) · Express Tribune - Applicants await 'Apni Chhat Apna Ghar' loans (25 Aug 2026). Dareecha is not a government website. Scheme rules change; always confirm on the official portal.
