Apni Chhat Apna Ghar 2026: Apply for Housing Loan

Apni Chhat Apna Ghar is a Punjab government scheme that gives low-income families an interest-free loan to build a home on a plot they already own. This guide explains who is eligible, the criteria, and how to apply online, step by step.

The scheme is for plot owners who need help with construction costs. The loan is interest-free, so you repay only what you borrow.

Who is eligible

Based on the official criteria, you generally need to:

Be a permanent Punjab resident registered in the NSER with a PMT score of about 60 or below
Be the head of family according to NADRA records
Own a small plot, reported as 1 to 5 Marla in rural areas or 1 to 10 Marla in urban areas
Not be a loan defaulter at any bank or institution

Criteria can change, so always confirm the current rules on the official portal.

How much is the loan

As of 2026, the scheme offers an interest-free loan reported up to Rs 1.5 million (15 lakh) to build a home on your own plot. It is repaid in installments over about five years, with a short grace period, and you repay only the original amount. Treat figures as “as of” their date and confirm the current terms on the official portal.

How to apply online, step by step

Step 1: Open the official portal

Go to acag.punjab.gov.pk and create your profile using your CNIC and mobile number.

Step 2: Enter your NSER and land details

Add your NSER information and the details of the plot you own.

Step 3: Upload ownership documents

Upload your land ownership documents and complete the application form. Make sure scans are clear.

Step 4: Submit and track

Submit your application, then log in any time to track its status.

Applying offline

If you do not have internet, you can apply at any Deputy Commissioner (DC) office or PHATA facilitation centre. Bring your CNIC and ownership documents.

To see what else your household may qualify for, try our free eligibility checker.

GoPunjab is an independent information website. We cannot approve a loan or process your application. We only explain how the scheme works so you can apply correctly on the official portal.

Frequently Asked Questions

How do I apply for Apni Chhat Apna Ghar?

Apply online at the official portal acag.punjab.gov.pk. Create a profile with your CNIC and mobile number, enter your NSER and land details, upload your ownership documents, and submit. If you cannot apply online, you can apply at a Deputy Commissioner office or a PHATA facilitation centre.

Who is eligible for the Apni Chhat Apna Ghar loan?

You generally need to be a permanent Punjab resident registered in NSER with a PMT score of about 60 or below, be the head of family per NADRA records, own a small plot (reported as 1 to 5 Marla in rural or 1 to 10 Marla in urban areas), and not be a loan defaulter. Confirm the current criteria on the official portal.

How much is the Apni Chhat Apna Ghar loan and is it interest-free?

As of 2026, the scheme offers an interest-free loan reported up to Rs 1.5 million (15 lakh) to build a home on your own plot, repaid in installments over about five years with a short grace period. You repay only the original amount. Confirm the current loan terms on the official portal.

Do I need to own a plot to apply?

Yes. Apni Chhat Apna Ghar is a loan to build a house on a plot you already own. Reported limits are about 1 to 5 Marla in rural areas and 1 to 10 Marla in urban areas. Your ownership documents are required as part of the application.

Can I apply offline without internet?

Yes. While the main process is online at acag.punjab.gov.pk, offline applications are accepted at any Deputy Commissioner (DC) office or PHATA facilitation centre. Bring your CNIC and land ownership documents. Staff there can help you complete the form.