Apni Chhat Apna Ghar (ACAG) Punjab: Eligibility & Apply

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Apni Chhat Apna Ghar ACAG Punjab affordable housing interest-free loan 2026

The Government of Punjab has launched the "Apni Chhat Apna Ghar" (ACAG) Program, a flagship housing initiative of Chief Minister Maryam Nawaz Sharif aimed at helping low-income families who currently live in rented houses or informal settlements finally own a home of their own. The program is one of the largest affordable housing drives ever undertaken in Punjab, targeting 100,000 homes across the province.

In this guide, we explain what the Apni Chhat Apna Ghar Program offers, who is eligible, the loan amount, and the complete step-by-step process to apply online.

What Is the Apni Chhat Apna Ghar (ACAG) Program?

According to the official Punjab government portal, the ACAG Program will deliver 100,000 affordable houses/apartments across the province within four and a half years, using three execution models to reach different categories of eligible families. The program is executed by the Punjab Housing and Town Planning Agency (PHATA), with the Housing, Urban Development and Public Health Engineering Department (HUD&PHED) acting as the administrative department.

The program is specifically designed to help low-income families currently residing in rented buildings or informal settlements transition into permanent, secure homeownership — rather than continuing to pay rent indefinitely with nothing to show for it.

Expected Benefits of the ACAG Program

  • Improved living conditions for low-income families.
  • Reduced overcrowding and slum dwelling across Punjab.
  • Enhanced access to basic amenities — water, sanitation, and electricity.
  • Improved community safety and social cohesion.
  • Creation of approximately 500,000 jobs through construction and related economic activity as the program is rolled out.

Loan Amount and Repayment Terms

According to the official CM Special Monitoring Unit portal, eligible applicants who already own a residential plot can access an interest-free loan of up to PKR 1.5 million to construct their home, on the following terms:

  • Loan tenure: 7 years, with easy monthly installments.
  • Funds are disbursed in tranches as construction progresses.
  • The loan is managed through a revolving fund, replenished by borrower repayments, with operational costs covered by the Government of Punjab.

Some later programme communications have also referenced an expanded model offering a free 3-marla plot combined with a larger interest-free construction loan (reported around Rs. 15 lakh) for applicants who do not already own land — reflecting the program's stated structure of three separate execution models designed for different applicant circumstances. Since exact terms can vary by model and applicant category, always confirm which model you qualify for on the official ACAG portal.

Eligibility Criteria

According to the official Punjab government portal, applicants must meet the following conditions:

  • The applicant, or a family member, must be a permanent resident of Punjab as per their CNIC.
  • The applicant must be the sole owner and possessor of a parcel of land measuring 5 marla or less in urban areas, or up to 10 marla in rural areas, anywhere in Punjab, on the date of online application submission, where they intend to build their house.
  • The applicant must not have a criminal record, including convictions for anti-state or anti-social activities, or heinous crimes.
  • The applicant must not be a loan defaulter of any financial institution or bank.

Documents Required

  • Valid CNIC of the applicant (and family member's CNIC, if applying through them)
  • Proof of land ownership (Fard-e-Malkiat) for the residential plot
  • Proof of Punjab residence/domicile
  • Bank account details for loan disbursement
  • Any additional documents specified during the online application process

How to Apply for the ACAG Program Online

  1. Visit the official ACAG website: acag.punjab.gov.pk
  2. Click the Register button to open the Citizen Registration Form.
  3. Enter your personal details — full name, CNIC number, contact information, address, and family details.
  4. Enter your land ownership details, including plot size and location.
  5. Double-check all entered information for accuracy — incorrect details can lead to disqualification.
  6. Submit your application and create your account login for future tracking.
  7. Your application is reviewed and verified; approved applicants proceed to loan disbursement in construction tranches.

Frequently Asked Questions (FAQs)

Q1. What is the Apni Chhat Apna Ghar Program?
It is a Punjab government housing initiative that aims to provide 100,000 affordable houses to low-income families across the province through interest-free construction loans.

Q2. How much loan can I get under ACAG?
Applicants who already own a residential plot can access an interest-free loan of up to Rs. 1.5 million, repayable over 7 years; some models also offer a free 3-marla plot combined with construction financing.

Q3. Who is eligible for the ACAG program?
Permanent residents of Punjab who solely own a residential plot of up to 5 marla (urban) or 10 marla (rural), with no criminal record and no history of loan default.

Q4. How do I apply for the ACAG program?
Apply online at acag.punjab.gov.pk by registering with your CNIC and completing the Citizen Registration Form with your personal and land ownership details.

Q5. Who implements the ACAG program?
The program is executed by the Punjab Housing and Town Planning Agency (PHATA), with HUD&PHED as the administrative department.

Q6. How is ACAG different from Apni Chhat Mehfooz Chhat?
ACAG helps eligible families build a brand-new home, while Apni Chhat Mehfooz Chhat is a related programme specifically for existing homeowners needing to repair a weak or unsafe roof, or add a room/storey.

Disclaimer: This post is for informational purposes only, based on the official Punjab government portal and the CM Special Monitoring Unit website. Loan amounts, execution models, and eligibility conditions may be updated by PHATA — always verify current details through the official portal (acag.punjab.gov.pk) before applying, and never pay any agent or third party claiming to guarantee approval.

Location: Pakistan

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