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. You can find official details at acag.punjab.gov.pk.
What is Apni Chhat Apna Ghar?
Many families own a small plot but cannot afford to build on it. Apni Chhat Apna Ghar, which means “your own roof, your own home,” is a Punjab government scheme that lends the construction cost without interest, so a family can turn an empty plot into a finished house. Because there is no interest, the loan does not grow over time, and you repay it in manageable installments.
Apni Chhat Apna Ghar eligibility
Based on the official criteria, you generally need to:
- Be a permanent Punjab resident registered in the PSER (Punjab Socio-Economic Registry) with a PMT score of 60 or below
- Be 21 to 60 years old on the date you apply online
- Be the sole owner of a small plot: 5 Marla or less in urban areas, or up to 10 Marla in rural areas
- Not be a loan defaulter at any bank or institution
- Have no criminal record (such as anti-state or heinous crimes), agree to data verification, and take only one loan per house
Criteria can change, so always confirm the current rules on the official portal. If you are not registered in PSER yet, our PSER registration guide explains how to register.
How much is the loan
As of September 2026, the official portal lists an interest-free loan of up to Rs 1.5 million (15 lakh) to build a home on your own plot. It is repaid in easy monthly installments over 7 years, and you repay only the original amount. Some reports mention a short grace period before repayment starts. 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: Confirm your PSER and land details
Make sure you are registered in PSER, then add 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. Our Apni Chhat Apna Ghar status check guide explains what each status message means.
Documents you need
- Your CNIC
- Land ownership documents for your plot
- Your PSER registration details
Applying offline
If you do not have internet, offline applications have been reported at Deputy Commissioner (DC) offices and PHATA facilitation centres. Call the toll-free ACAG helpline 0800-09100 to confirm where to go. Bring your CNIC and ownership documents, and staff there can help you complete the form.
Common mistakes and fraud safety
- Applying without owning a plot. This is a loan to build on land you already own. If you have no plot yet, our Apni Zameen Apna Ghar guide explains the free-plot scheme.
- A missing or out-of-date PSER record. Register in PSER, or update your survey data if your household details have changed.
- Paying an agent. Applying is free. No one can guarantee approval for a fee.
- Using a copycat site. Only acag.punjab.gov.pk is official.
To see what else your household may qualify for, try our free eligibility checker. If you applied for the free CM Punjab Solar Scheme, you can check your ballot result there. Its registration is closed.
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.