The Government of Punjab has officially launched the Apni Chhat Apna Ghar Loan Scheme 2025 Registration Open, a historic public-friendly initiative under the visionary leadership of Chief Minister Punjab Maryam Nawaz Sharif. The program aims to provide interest-free and easy loans to thousands of families for the construction of their own homes. So far, over 75,000 families have benefitted, with 14,000 homes already completed under the scheme, and loans worth PKR 90 billion have been disbursed. The ambitious plan targets the construction of 500,000 houses within the next five years, ensuring a strong foundation for a prosperous and happy Punjab. Citizens can now conveniently apply online through the dedicated registration portal
Program Overview
| Details | Information |
|---|---|
| Program Name | Apni Chhat Apna Ghar Loan Scheme 2025 |
| Launched By | Government of Punjab |
| Initiative Lead | Chief Minister Punjab Maryam Nawaz Sharif |
| Program Type | Interest-Free & Easy Home Loan Scheme |
| Beneficiaries so far | 75,000+ Families |
| Completed Houses | 14,000+ |
| Loans Disbursed | PKR 90 Billion+ |
| Target | 500,000 Houses in 5 Years |
| Ad Posted Date | September 18, 2025 |
| Last Date to Apply | Not Announced (Ongoing Registration) |
| Application Mode | Online Portal |
| Official Website | https://acag.punjab.gov.pk/ |
| Helpline Number | 0800-09100 / SPL-1661 |
Loan Scheme Details
- Scheme Type: Interest-free and easy repayment home loan program.
- Current Beneficiaries: 75,000+ families have already received loans.
- Financial Support: Over PKR 90 billion disbursed.
- Completed Houses: More than 14,000 homes constructed.
- Future Target: 500,000 homes to be built within 5 years.
- Objective: Provide every family in Punjab with its own house, creating a secure and prosperous community.
How to Apply
- Visit the official registration portal: https://acag.punjab.gov.pk/.
- Fill out the online application form with required personal and financial details.
- Attach/upload scanned copies of necessary documents (CNIC, proof of income, family details, etc.).
- Submit the application and note the tracking/reference number.
- Applicants can also call the helpline numbers (0800-09100 / SPL-1661) for guidance and support.
Terms & Conditions
- Loans will be provided on interest-free and easy repayment terms.
- Applicants must be residents of Punjab and eligible under the defined income criteria.
- One household can apply for one loan only under this scheme.
- The program is strictly monitored by the Punjab Housing & Town Planning Agency.
- Priority will be given to low-income and middle-class families without permanent housing.
- The scheme aims to ensure transparency and merit-based distribution of loans.
- Any false information or fake documents will result in disqualification.
- The Government reserves the right to amend, update, or modify conditions as per requirements.
- Selected applicants will be informed through the official portal, helpline, or direct communication.
- The initiative is part of the PATA Project Management Unit under Punjab Housing & Town Planning Agency