The Apni Chhat Apna Ghar second installment (doosri qist) is the next payment in Punjab’s interest-free housing loan scheme. This guide explains when the second installment is released, how to check your status, and what you need to do to receive it.
The scheme pays loans in stages tied to construction milestones. Your second installment releases after you complete and verify the work covered by your first installment.
How installments work in Apni Chhat Apna Ghar
The Punjab government releases housing loan money in stages, not all at once:
| Stage | What happens |
|---|---|
| First installment | Released after approval to start construction |
| Second installment | Released after first-stage construction verified |
| Further installments | Released as each milestone is verified |
| Final installment | Released when construction is complete |
This staged approach ensures the money is used for actual construction. Each payment depends on proving the previous work is done.
When is the second installment released?
The second installment does not have a single release date for everyone. It releases individually based on:
- Your construction progress - You must complete the work covered by installment one.
- Photo upload - You upload construction progress photos to the portal.
- Verification - A team verifies the work, either through photos or a site visit.
- Approval - Once verified, your next installment is approved.
- Disbursement - The payment is released to your bank account.
This process takes time. If you completed your first-stage work weeks ago but have not uploaded proof, your second installment will not release.
How to check your second installment status
Follow these steps:
- Go to acag.punjab.gov.pk.
- Log in with your CNIC and password.
- Open your application dashboard.
- Check the Installment Status section.
- It shows which installments are received, pending, or in verification.
If you see “Verification Pending”, the team is reviewing your submission. If you see a requirement note, complete that step first.
What to do to get your second installment
To receive your second qist:
- Complete first-stage construction according to your approval terms.
- Take clear photos of the completed work from multiple angles.
- Upload photos through the ACAG portal.
- Wait for verification - this may include a site visit.
- Check your bank account after approval is shown on the portal.
Keep all receipts for materials and labour. You may need to show these if asked.
Second installment amounts
The amount varies by your loan tier:
| Loan tier | Total loan | Typical installment |
|---|---|---|
| Basic (repair/addition) | Rs 500,000 | Varies by milestones |
| Standard (new room) | Rs 1,000,000 | Varies by milestones |
| Full construction | Up to Rs 1,500,000 | Varies by milestones |
Your approval letter shows your exact installment schedule. The portal also displays this under your application.
Common reasons for delays
If your second installment is delayed:
- Verification pending - Photos not yet reviewed
- Documents missing - Upload any requested documents
- Construction incomplete - Finish the required work first
- Bank details wrong - Update your bank account on the portal
- Technical issues - Contact helpline if portal shows errors
Never pay anyone who claims they can speed up your installment. The process is free and based on verification, not payments to agents.
Recent updates
The Punjab government has been releasing installments in batches as beneficiaries complete their milestones. Check the official portal and helpline for the latest status specific to your application.
Contact for help
| Contact | Details |
|---|---|
| Portal | acag.punjab.gov.pk |
| Helpline | 0800-09100 (toll-free) |
| Department | Housing and Urban Development, Punjab |
Related guides
- Apni Chhat Apna Ghar - Complete scheme guide
- Apni Chhat Apna Ghar Check - Check your application status
- Apna Ghar Mehfooz Ghar - Roof repair and floor addition loans
GoPunjab is an independent information website. We are not PHATA or the Punjab government. We explain how the installment process works based on official sources, so you can track your payment correctly.