Punjab government has launched Apni Chhat, Mehfooz Chhat Scheme under Apni Chhat Apna Ghar (ACAG) Program.
The scheme offers eligible low income families interest free loans (0% markup) to fix up existing homes or even extend the home.
How Much Loan Can You Get?
Category 1: Roof Repair & Structural Reinforcement
- Maximum Loan: Up to Rs. 5 Lakh
- Markup: 0%
- Repayment Period: Up to 3 Years
- Purpose: Repair damaged roofs and strengthen the existing structure.
Category 2: Home Expansion & Construction
- Maximum Loan: Up to Rs. 10 Lakh
- Markup: 0%
- Repayment Period: Up to 6 Years
- Purpose: Build additional rooms or expand an existing home.
Who Can Apply?
Applicants must meet the following requirements:
- Must be a permanent resident of Punjab.
- Must have a valid CNIC.
- Must be between 21 and 60 years old.
- Must own a house or residential plot.
- Property size should be up to 5 Marla in urban areas.
- Property size should be up to 10 Marla in rural areas.
- Must have a clean financial record with no bank loan defaults.
- Must agree to verification through NADRA and Punjab Land Records Authority (PLRA).
Required Documents
Applicants may need:
- Valid CNIC
- Property ownership documents or Fard
- Existing house photographs
- Other documents required during verification
How to Apply Online?
Follow these simple steps:
Step 1: Visit the official ACAG Portal.
Step 2: Register an account using your personal details.
Step 3: Select the required loan category.
Step 4: Upload your CNIC, property documents and house photographs.
Step 5: Submit your application for verification.
Official Links and Helpline
Official Portal: https://acag.punjab.gov.pk/
Loan Category Portal: https://acag.punjab.gov.pk/Layouts/LoanCategory.aspx
Toll-Free Helpline: 0800-09100
The Apni Chhat Mehfooz Chhat Scheme 2026 is a scheme that is available to the citizens of Punjab to repair the roofs of their homes or to expand them to make them larger, if they need to do so.
Maximum of Rs. per eligible applicant. Subject to eligibility and verification, 10 lakhs at 0% mark-up.
It is important to always check the most up-to-date information and apply through the official government portal.
