Imdad Portal

Apni Chhat Apna Ghar (ACAG)

Interest-free home construction loan (up to about PKR 1.5 million) for Punjab families who own land. Apply at acag.punjab.gov.pk.

Active Government of Punjab Punjab Verified Guide

اہم معلومات (آسان اردو میں)

موجودہ صورت حالSTATUS
فعال — فیز کے مطابق، پورٹل پر چیک کریں
یہ سہولت/فوائد کیا ہے؟BENEFIT
  • اپنا گھر بنانے کے لیے بلا سود قرض
  • بینک آف پنجاب کے ذریعے آسان قسطوں میں ادائیگی
  • گھر کی تعمیر کے مراحل کے مطابق رقم قسطوں میں ملے گی
اہلیت کا معیارELIGIBILITY
  • پنجاب کا رہائشی ہو اور اس کے پاس شناختی کارڈ اور ڈومیسائل ہو
  • اپنے نام پر رہائشی پلاٹ ہو لیکن مکمل گھر نہ ہو
  • ماہانہ آمدنی مقررہ حد کے اندر ہو (تقریباں 60 ہزار روپے سے کم)
  • NADRA میں خاندان کے سربراہ کے طور پر رجسٹرڈ ہو
ضروری دستاویزاتDOCUMENTS
  • شناختی کارڈ
  • زمین یا پلاٹ کی ملکیت کا ثبوت
  • ڈومیسائل
  • آمدنی کا ثبوت
  • شناختی کارڈ پر رجسٹرڈ موبائل نمبر
درخواست کا طریقہHOW TO APPLY
  1. سرکاری پورٹل پر جائیں۔
  2. شناختی کارڈ اور موبائل نمبر سے رجسٹر یا لاگ اِن کریں۔
  3. اپنی چھت اپنا گھر اسکیم منتخب کریں۔
  4. فارم پُر کریں اور زمین کی ملکیت اور آمدنی کے کاغذات اپ لوڈ کریں۔
  5. درخواست جمع کروائیں۔
  6. بینک آف پنجاب درخواست کا جائزہ لے گا۔
  7. جمع ہونے کے بعد SMS سے تصدیقی نمبر موصول ہوگا۔

Scheme Overview

اسکیم کا جائزہ

Why Apni Chhat Apna Ghar Matters

Apni Chhat Apna Ghar gives Punjab families who already own land an interest-free loan to build their own home, turning an empty plot into a finished house.

  • Interest-free construction loan
  • For families who own a plot but cannot afford to build
  • Backed by the Punjab government and Bank of Punjab

Key Benefits

  • Interest-free housing loan up to about PKR 1.5 million
  • Easy long-term monthly installments
  • Funds released in tranches as construction progresses

Good to Know

  • This is a construction LOAN for landowners, different from Apni Zameen Apna Ghar (free plot for landless).
  • Apply only at acag.punjab.gov.pk, the scheme is 100% free.
  • You receive an acknowledgement number by SMS after applying.

What this scheme offers

Apni Chhat Apna Ghar gives plot-owning, low-income Punjab families an interest-free construction loan (reported up to about Rs 1.5 million) released in tranches tied to construction stages, repayable in easy installments through the Bank of Punjab.

Who it is really for

Families who already own a residential plot in Punjab but cannot afford to build. If you are completely landless, look at Apni Zameen Apna Ghar first.

How to apply safely

Apply only on the official portal acag.punjab.gov.pk. Loan release is milestone-based — no agent can speed it up, and no one can guarantee balloting results for money.

Important: Being eligible (or winning a ballot) does not by itself guarantee the loan, plot or asset — the bank or authority still does final verification. No one can “guarantee” selection for money. Government applications are free.
Official source: CM Punjab Apni Chhat Apna Ghar — acag.punjab.gov.pk
Last verified: . Confirm the current loan amount, tranches and window on the official portal. Amounts, phases and deadlines are set by the Government of Punjab and change periodically — confirm current details on the official portal.
Related programs: Apni Zameen Apna Ghar
اہم معلومات (آسان اردو میں)

اپنی چھت اپنا گھر پلاٹ کے مالک کم آمدنی خاندانوں کو بلا سود تعمیراتی قرضہ (رپورٹ تقریباً 15 لاکھ تک) قسطوں میں دیتی ہے۔ صرف acag.punjab.gov.pk سے۔ بے زمین افراد پہلے AZAG دیکھیں۔

Benefits

فوائد
Interest-free housing loan to build your own homeEasy long-term installments via Bank of PunjabFunds released in tranches as construction progresses

Eligibility Criteria

اہلیت کا معیار
Punjab resident with valid CNIC and domicile
Own a residential plot but no completed house
Monthly household income within the set limit (around below PKR 60,000)
Registered with NADRA as head of family

Required Documents

ضروری دستاویزات
CNIC
Proof of land or plot ownership (registry or fard)
Domicile
Income proof
CNIC-registered mobile number

How to Apply — Step by Step

درخواست کا طریقہ
1

Visit the official portal acag.punjab.gov.pk.

2

Register or log in with your CNIC and CNIC-registered mobile number.

3

Select Apni Chhat Apna Ghar (construction loan for landowners).

4

Fill the form and upload land ownership and income documents.

5

Submit; the Bank of Punjab reviews it and you receive an acknowledgement number by SMS.

Important Notices اہم ہدایات

  • ACAG is a construction LOAN for those who own land, different from Apni Zameen Apna Ghar (free plot for landless).
  • Apply only at acag.punjab.gov.pk, the scheme is 100% free, avoid agents.
  • Funds are disbursed in tranches; repay in easy installments.

Frequently Asked Questions

اکثر پوچھے جانے والے سوالات
An interest-free loan (up to about PKR 1.5 million) to build a house on land you already own.
ACAG is a construction loan for people who own land; Apni Zameen Apna Ghar gives a free plot to landless families.
Only at the official portal acag.punjab.gov.pk.
Yes. ACAG is a construction loan for families who already own a plot in Punjab. Landless families should look at Apni Zameen Apna Ghar first.