The Apni Chhat Apna Ghar (ACAG) Scheme 2026 is a major housing initiative launched by Chief Minister Punjab Maryam Nawaz Sharif. This program aims to provide affordable interest-free home loans to low and middle-income families across Punjab. As of February 2026, the scheme has expanded to include joint families and targets 160,000 houses by June 2026. The program focuses on building houses on owned plots in both urban and rural areas, ensuring financial support and housing security.
Latest Updates February 2026
The 2026 phase brings important improvements for applicants:
| Feature | Update |
|---|---|
| Joint Family Inclusion | Large households can now apply for expanding existing homes |
| Maximum Loan | Rs. 1.5 Million (15 Lakh) interest-free |
| Monthly Installment | Approximately Rs. 14,000 per month |
| Loan Disbursement | In three phases: foundation, structure, finishing |
| Eligibility Score | Household PMT score 60 or less required |
| Plot Size Limit | Urban: up to 5 Marlas, Rural: up to 10 Marlas |
| Loan Tenure | 7 years with first 3 months grace period |
| Application Channel | Online through official portal acag.punjab.gov.pk |
Eligibility Criteria – Who Can Apply
To qualify for the ACAG Scheme 2026, applicants must meet the following:
- Residency: Must be a permanent resident of Punjab with a valid CNIC
- Land Ownership: Urban plots up to 5 Marlas; rural plots up to 10 Marlas
- Financial Standing: Should not be a bank defaulter or have a criminal record
- PMT Score: Registered with NSER with household score ≤ 60
- First-Time Homeowner: Preference given to applicants without a completed house
- Joint Families: Large households can apply to expand or add floors to existing homes
Required Documents for Registration
Applicants need to prepare the following documents for smooth processing:
| Document | Purpose |
|---|---|
| CNIC (Front & Back) | Identity verification |
| Family Registration Certificate (FRC) | Household verification |
| Proof of Property Ownership | Registry, Fard, or Allotment Letter |
| Recent Utility Bill | Address verification |
| Proof of Income | Salary slip or business letterhead |
How to Apply Online for ACAG Scheme 2026
The online registration ensures transparency and avoids third-party interference:
- Visit the official portal: acag.punjab.gov.pk
- Click on “Register” and fill in name, CNIC, mobile number, and password
- Verify your account using OTP sent via SMS or email
- Complete the application with address, income, and property details
- Upload scanned copies of required documents and provide digital signature
- Submit and track status via “Candidate Access” or official SMS (8070 / 1284)
Loan Repayment Structure
The ACAG Scheme provides easy repayment options:
- Total Loan: Rs. 1.5 Million
- Markup/Interest: 0% (interest-free)
- Grace Period: First 3 months, no payment required
- Monthly Installment: Approximately Rs. 14,000
- Tenure: 7 years, with phased payments aligned with construction milestones
Benefits of Apni Chhat Apna Ghar Scheme 2026
The scheme provides significant benefits for families in Punjab:
- Affordable Housing: Monthly installments are lower than typical rents in urban areas
- Interest-Free Loans: No extra financial burden on beneficiaries
- Joint Family Support: Allows expansion for large households
- Safe & Transparent Process: Digital registration and tracking reduce fraud
- Flexible Construction Phases: Payments released as construction milestones are met
- Priority Access: First-time homeowners get preference over existing property owners
Safety Tips and Official Guidelines
- No Application Fees: Avoid agents or intermediaries asking for money
- Official Communication: All updates come only via 8070 SMS or the official portal
- Protect Personal Info: Never share OTP or login credentials with anyone
- Document Accuracy: Ensure all property and income proofs are valid and up-to-date
Conclusion
The Apni Chhat Apna Ghar Scheme 2026 is a transformative housing program in Punjab, providing interest-free loans, affordable monthly installments, and priority for joint and first-time homeowners. By following the official registration steps and submitting valid documents, applicants can secure funding to build or expand their homes safely and transparently.
FAQs:
Q1: What is the maximum loan available under ACAG 2026?
The maximum interest-free loan is Rs. 1.5 Million (15 Lakh).
Q2: Who gets priority for the scheme?
First-time homeowners and large joint families are given priority.
Q3: Can I apply if I already own a house?
Yes, only for expanding an existing home in joint family settings; otherwise, first-time homeowners have priority.
Q4: Where can I apply online?
Applications are accepted only through the official portal: acag.punjab.gov.pk.
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