Apni Chhat Apna Ghar Scheme: Complete Guide for February 2026

Published On: January 26, 2026

Apni Chhat Apna Ghar Scheme: Complete Guide for February 2026

The Apni Chhat Apna Ghar (ACAG) scheme, initiated by CM Punjab Maryam Nawaz Sharif, has entered a major expansion phase in early 2026. The program aims to provide interest-free housing loans for low- and middle-income families in Punjab and is expected to achieve 160,000 houses by June 2026.

Key Updates for February 2026

Joint Family Inclusion: Large households can now apply for loans to extend their existing homes, even on shared land.
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Increased Loan Limit: Up to Rs. 1.5 Million (15 Lakh) interest-free.
Affordable Installments: Monthly payment of approximately Rs. 14,000, cheaper than most urban rents.
Construction Milestone Payments: Loans disbursed in three phases – foundation, structure, and finishing.

Eligibility Criteria

Applicants must meet the following requirements:

Residency: Permanent resident of Punjab with a valid CNIC.
Land Ownership:
- Urban Areas: Up to 5 Marlas.
- Rural Areas: Up to 10 Marlas.
Financial Standing: Must not be a bank defaulter or have a criminal record.
PMT Score: Registered with NSER, household score ≤ 60.
First-Time Owner: Priority for those without a completed house.

How to Apply Online (Step-by-Step)

Step 1: Digital Registration

Visit the official portal: acag.punjab.gov.pk.
Click “Register” and enter CNIC, name, mobile, and create password.
Verify account via SMS/Email OTP.

Step 2: Complete Application

Enter address, district, tehsil, family details.
Provide occupation and monthly income.
Upload Land Record (Fard) or ownership deed.
E-sign the application digitally.

Step 3: Submission & Tracking

After submission, receive confirmation SMS from 8070 or 1284.
Track status via portal under “Candidate Access”.

Required Documents

CNIC (Front & Back)
Family Registration Certificate (FRC)
Proof of Property Ownership
Recent Utility Bill
Proof of Income

Loan Repayment Structure

Feature	Details
Total Loan	Rs. 1.5 Million
Markup/Interest	0%
Grace Period	First 3 Months
Monthly Installment	~Rs. 14,000
Total Tenure	7 Years

Important Safety Warnings

No Application Fees: Government does not charge registration fees. Avoid agents asking for money.
Official SMS Only: Updates come only from 8070 or PunjabGovt. Do not share passwords or bank OTP.