The complete, verified operational handbook for Chief Minister Maryam Nawaz's flagship housing program. Apply online for up to Rs. 1,500,000 (15 Lakh PKR) interest-free loans across 7-year tenures, verify your PMT score, and simulate monthly repayments.
The Apni Chhat Apna Ghar Scheme (ACAG) is an official housing loan program launched by the Government of Punjab under Chief Minister Maryam Nawaz Sharif. Managed by the Housing, Urban Development and Public Health Engineering Department (HUD&PHED) in partnership with the Punjab Information Technology Board (PITB), the program provides interest-free loans up to Rs. 15 Lakh (1.5 Million PKR) to low-income families owning residential plots of up to 5 Marla in urban areas or up to 10 Marla in rural areas. Repayment is structured over 7 years (84 monthly installments) at approximately Rs. 14,000 per month, with a 3-month initial grace period during construction.
Before submitting your application on the official PITB portal (acag.punjab.gov.pk), use this official criteria simulator to determine if your land holding, residency, and PMT poverty scorecard qualify for the interest-free loan tranche:
Under the Apni Chhat Apna Ghar Program, the Punjab Government pays 100% of the interest/markup to participating financial institutions. Use the interactive slider below to adjust your required loan amount and inspect your monthly installment schedule, grace period benefits, and commercial bank savings:
The Punjab Housing Department has categorized the housing program into three separate tracks tailored to landholders, apartment seekers, and urban society residents:
| Model Scheme | Target Beneficiary | Plot Size Allowed | Loan / Subsidy Package | Repayment Terms |
|---|---|---|---|---|
| Model 1: Build on Own Plot (Most Popular) | Citizens with registered ownership of empty land in urban or rural areas | Up to 5 Marla (Urban) / Up to 10 Marla (Rural) | Rs. 15 Lakh interest-free loan disbursed in tranches | 7 Years at ~Rs. 14,000 – Rs. 17,857/month (3 months grace) |
| Model 2: Subsidized Urban Apartments | Urban families without land in major metropolitan cities (Lahore, Rawalpindi, Multan) | High-rise 1 & 2-bedroom government-constructed flats | Subsidized unit price with 60% down-payment assistance | Extended 10 to 15-year easy bank financing through PHATA |
| Model 3: Private Society Partner Loans | Applicants residing in approved private and cooperative housing schemes | Up to 5 Marla residential plots | Up to Rs. 10 Lakh soft credit through partner commercial banks | 5-Year soft loan with Punjab Govt bearing the full interest spread |
To prevent application rejection on the PITB portal, prepare high-resolution scanned copies or clear mobile photos (under 2MB each in PDF or JPG format) of the following mandatory documents before creating your profile:
The Government of Punjab and PITB have strictly clarified that registration on acag.punjab.gov.pk is 100% FREE OF COST. Never pay any facilitation fees or bribery to local patwaris, agents, or third-party WhatsApp groups claiming guaranteed loan approval. Report fraud immediately to the official helpline at 0800-09100.
Follow this exact official workflow to submit your application on the Punjab Information Technology Board portal:
Navigate to https://acag.punjab.gov.pk/ on your computer or smartphone browser. Ensure you are on the secure government domain ending in .gov.pk.
Click on "Register / نیا اکاؤنٹ بنائیں". Enter your 13-digit CNIC number, active mobile phone number, and generate a strong password. Complete the SMS OTP verification sent to your SIM.
Fill in your full name, father's/husband's name, marital status, permanent district, tehsil, and current residential address as listed on your identity card.
Choose Model 1 (Build on Own Plot). Specify whether your land is Urban or Rural, input exact Marla measurement, and provide PLRA Khewat/Khatooni details.
Attach clear photographs of your CNIC, Fard Malkiat from the Land Record Center, and the signed declaration affidavit.
Review the application summary, click "Final Submit", and save your unique tracking tracking ID (e.g., ACAG-2026-XXXXXX) for online status verification.
The only official and verified web portal for the scheme is https://acag.punjab.gov.pk/ operated by the Punjab Information Technology Board (PITB) and Housing Department. Avoid unofficial third-party APKs or phishing portals.
Yes. The Government of Punjab provides a 100% markup subsidy. Beneficiaries only repay the exact borrowed principal amount over 7 years without any hidden banking markup or service fees.
For applicants in urban areas (cities and municipal corporations), the maximum plot size is 5 Marla. For rural areas (villages and small towns), the maximum allowable land holding is 10 Marla.
Under the standard 7-year (84-month) repayment plan, the monthly installment is approximately Rs. 14,000 to Rs. 17,857, payable through designated partner banks (including Bank of Punjab) after a 3-month construction grace period.
Yes. Individuals without private land can apply under Model 2, which offers subsidized apartments built by the government in major metropolitan hubs like Lahore, Faisalabad, and Rawalpindi.
To ensure construction integrity, the loan is released in three milestone tranches: Tranche 1 upon foundation/plinth completion, Tranche 2 upon lintel/roof casting, and Tranche 3 for finishing and plaster work, verified via field team geofencing.
Citizens can call the official toll-free helpline at 0800-09100 from any mobile or landline network across Pakistan for application assistance, tracking queries, and grievance reporting.
Yes, low-scale government employees (BPS-1 to BPS-11) who meet the income threshold, PMT poverty score, and plot ownership criteria without owning an existing house are eligible to apply.
The standard processing window is approximately 3 to 6 weeks. This includes automated NADRA biometric matching, PLRA land verification, physical site survey by PHATA teams, and final balloting if application volume exceeds quota.
No. Registration and document submission on the official portal are 100% free of cost. Any request for payment from private individuals is fraudulent and should be reported to 0800-09100.
🏛️ Verified against Punjab Housing and Town Planning Agency (PHATA) Guidelines · Updated September 2026