Apni Chhat Apna Ghar Scheme
The Apni Chhat Apna Ghar Scheme 2026 is a major welfare initiative launched by the Government of Punjab under the leadership of Chief Minister Maryam Nawaz Sharif. This scheme is specially designed for joint families in Punjab who want to expand, renovate, or improve their homes but cannot afford construction costs due to financial problems. Through this program, eligible families can get an interest-free loan (0% markup) to improve their living conditions in a safe and legal way.
This initiative focuses on helping low and middle-income households who are living in overcrowded homes. Instead of taking expensive bank loans with high interest, families can now benefit from a government-backed, easy installment plan.
Quick Information Table – Apni Chhat Apna Ghar Scheme 2026
| Field | Details |
|---|---|
| Program Name | Apni Chhat Apna Ghar Scheme 2026 (ACAG) |
| Start Date to Apply | January 2026 (Applications Open) |
| Last Date to Apply | Ongoing – Subject to fund availability |
| Bank Name | Partner Banks via Punjab Government (Designated Banks & Microfinance Institutions) |
| Total Amount | As per approved construction estimate (Loan-based assistance) |
| Return Time | 2 to 5 Years (Easy Monthly Installments) |
| Cities Name | All Districts of Punjab |
| Province | Punjab |
| Amount of Assistance | Interest-Free Home Expansion Loan |
| Method of Application | Online & Offline Both Available |
What Is Apni Chhat Apna Ghar Scheme 2026?
Apni Chhat Apna Ghar Scheme, also known as ACAG Program 2026, is an interest-free housing support program for joint family households. Many families in Punjab live together in one house where space becomes limited over time. This scheme provides financial support to build additional rooms, construct a second floor, or repair damaged parts of the house.
Unlike traditional loans, this scheme offers:
- 0% interest
- Flexible repayment period
- Government monitoring for transparency
It is a welfare-based housing solution rather than a commercial banking product.
Main Purpose of the Scheme
Improving Living Conditions
The core objective is to reduce overcrowding in joint family homes and improve overall living standards.
Supporting Low and Middle-Income Families
Many families cannot afford construction costs due to rising material prices in 2026. Cement, steel, and labor charges have increased significantly. This scheme helps families manage these expenses without falling into debt.
Promoting Interest-Free Financing
The Punjab Government aims to encourage a social welfare model where citizens can improve their homes without paying interest.
Key Features of ACAG Program 2026
1. 100% Interest-Free Loan
No markup, no hidden charges.
2. Easy Monthly Installments
Installments are designed according to income level.
3. Flexible Repayment Period
Loan can be repaid within 2 to 5 years.
4. Limited Documentation
Only essential documents are required.
5. Strict Use Policy
Loan must be used only for home expansion or renovation.
Loan Details at a Glance
| Loan Aspect | Description |
|---|---|
| Interest Rate | 0% |
| Installments | Monthly |
| Documentation | CNIC & Property Proof |
| Eligible Use | Expansion, Repair, Renovation |
| Priority | Joint Families |
| Approval | Verification-Based |
Eligibility Criteria for Apni Chhat Apna Ghar Scheme 2026
To ensure fairness and transparency, the Punjab Government has defined clear eligibility requirements.
Basic Requirements
- Applicant must be a permanent resident of Punjab
- Must be living in a joint family system
- Must have legal ownership or valid proof of house
- Valid CNIC required
- Household income must fall within government limits
- Clear construction or renovation plan
If any information is incorrect or fake, the application may be rejected.
Approved Uses of Loan Amount
The government has clearly mentioned that funds must be used only for housing improvement.
Allowed Construction Work
- Building additional rooms
- Constructing a second storey
- Repairing roof and walls
- Expanding kitchen or washroom
- Structural safety improvements
Funds cannot be used for business, land purchase, or personal expenses.
How to Apply for Apni Chhat Apna Ghar Scheme 2026
The application process is simple and accessible for everyone.
Online Application Method
- Visit official portal: https://acag.punjab.gov.pk
- Register using your CNIC number
- Upload required documents
- Enter construction details
- Submit application
After submission, your application will go through verification.
Offline Application Method
If you do not have internet access:
- Visit nearest Social Welfare Office
- Collect application form
- Attach required documents
- Submit form to concerned officer
- Wait for verification call
Both methods are equally valid.
Required Documents
- Original CNIC
- Property ownership documents
- Recent utility bill (if required)
- Income proof
- Construction plan details
Make sure documents are clear and valid.
Loan Repayment Plan
The repayment system is designed to reduce financial pressure.
Repayment Structure
- Monthly installments
- Duration: 2 to 5 years
- No hidden charges
- No additional interest
Installment amount depends on approved loan amount and income verification.
Why This Scheme Is Important in 2026
Housing problems are increasing in Punjab due to inflation and population growth. Many joint families are forced to live in small spaces, which creates discomfort and social stress.
This scheme:
- Reduces overcrowding
- Promotes safe construction
- Supports traditional joint family culture
- Improves housing infrastructure
- Strengthens social stability
It is not just a financial program but a long-term welfare investment.
Real-Time Status Update 2026
As of February 2026:
- Applications are open
- Verification process is active
- District-level facilitation centers are operational
- Online portal is functional
Applicants are advised to apply early because approval depends on available funds.
Helpline and Contact Information
For official updates and guidance:
- Official Website: https://acag.punjab.gov.pk
- Punjab Government Helpline: 0800-02345
- District Social Welfare Offices
Always rely on official government sources to avoid scams.
Frequently Asked Questions (FAQs)
What is Apni Chhat Apna Ghar Scheme 2026?
It is an interest-free home expansion loan program launched by the Government of Punjab for joint families.
Who can apply?
Permanent residents of Punjab living in joint family homes with legal ownership documents.
Is the loan really interest-free?
Yes, it is 100% interest-free with no markup.
What is the repayment duration?
2 to 5 years with easy monthly installments.
Can the loan be used for business?
No, it is strictly for home expansion and renovation.
Final Conclusion
The Apni Chhat Apna Ghar Scheme 2026 is a strong and practical step by the Government of Punjab to support joint families struggling with housing problems. By offering interest-free loans, flexible repayment plans, and a transparent application process, this program gives families a real opportunity to improve their homes without financial stress.
If you meet the eligibility criteria, apply as soon as possible. This scheme can help you build extra rooms, improve safety, and provide a better living environment for your family.