The Apna Ghar Mehfooz Ghar scheme is a Punjab government program offering interest-free loans for home improvement. It helps families who already own a house but need funds to repair their roof or add a new floor. This guide explains the loan amounts, eligibility, and how to apply through the official ACAG portal.
The scheme is also listed as Apni Chhat Mehfooz Chhat on the official portal. Both names refer to the same program under the Punjab Housing and Urban Development Department.
What is Apna Ghar Mehfooz Ghar?
This scheme is part of Punjab’s housing programs alongside Apni Chhat Apna Ghar (for new construction). While Apni Chhat Apna Ghar helps landowners build new houses, Mehfooz Ghar helps existing homeowners improve their homes.
The two main categories are:
| Purpose | Loan Amount |
|---|---|
| Roof repair (chhat ki marammat) | Up to Rs 500,000 |
| Additional floor (naya kamra/manzil) | Up to Rs 1,000,000 |
These are interest-free loans repaid over several years in affordable monthly installments.
How the scheme works
Based on the ACAG portal structure:
- Eligibility check: Your household must meet income and ownership criteria.
- Registration: Apply online through acag.punjab.gov.pk when registration opens.
- Verification: Officials verify your documents and property.
- Approval: If approved, the loan is sanctioned.
- Disbursement: Funds are released in stages as construction progresses.
- Repayment: Pay back in monthly installments over the loan period.
Eligibility criteria
While specific criteria may vary, similar ACAG schemes require:
- Punjab domicile: You must be a resident of Punjab.
- Existing homeowner: You must own the house you want to improve.
- Income limit: Household income should be below a certain threshold (check portal).
- PSER registration: Some housing schemes check your PSER record.
- No prior benefit: You may not have received another housing loan from the government.
How to apply
When registration opens:
- Go to acag.punjab.gov.pk.
- Click Register and create an account with your CNIC and mobile number.
- Log in and select Apni Chhat Mehfooz Chhat or the roof/floor improvement option.
- Fill in your personal and property details.
- Upload required documents.
- Submit your application.
You will receive an application tracking number. Use it to check your status.
Required documents
Keep these ready before applying:
- Valid CNIC (original and copy)
- Proof of home ownership (registry, allotment letter, or property documents)
- PSER registration proof (if required)
- Recent utility bills (electricity/gas) as address proof
- Income documents (salary slip, bank statement, or income certificate)
- Photographs of the property showing current condition
The exact document list may appear on the portal during registration.
Current registration status
As of October 2026:
- The ACAG portal shows the Mehfooz Chhat category under its loan options.
- Whether active registration is open varies by phase.
- Call the helpline 0800-09100 to confirm if applications are being accepted.
- Check the portal directly: acag.punjab.gov.pk.
Do not rely on unofficial websites claiming registration is open. Only the official portal and helpline have accurate information.
Helpline and contact
| Contact | Details |
|---|---|
| Helpline | 0800-09100 (toll-free) |
| Portal | acag.punjab.gov.pk |
| Department | Housing and Urban Development, Punjab |
Call the helpline for:
- Registration status and opening dates
- Eligibility questions
- Application help
- Complaint or issue resolution
Avoid scams
Important warnings:
- Registration on acag.punjab.gov.pk is 100% FREE.
- Never pay any agent, tout, or third party to register you.
- No one can guarantee approval.
- Only the official portal is authorized for applications.
- Beware of fake websites with similar names.
If someone asks for money to register you for Mehfooz Ghar, report them to the helpline or Pakistan Citizen’s Portal.
Related guides
- Apni Chhat Apna Ghar - Interest-free loan for new house construction
- Apni Chhat Apna Ghar Check - Check your ACAG application status
- PSER Online Registration - Register your household for Punjab schemes
GoPunjab is an independent information website. We are not the Housing Department or the Punjab government. We explain how the scheme works based on official sources, so you can apply correctly through the proper channels.