Punjab residents who own a plot of up to 5 marla (urban) or 10 marla (rural).Source: acag.punjab.gov.pk (Apni Chhat Apna Ghar eligibility criteria)Checked on:
Haqdaar is an independent, unofficial guide. We are not BISP, the Government of Pakistan or any provincial government. We never ask for your CNIC, phone number or any fee. Apply only on the official website or office linked on this page.
حقدار ایک آزاد، غیر سرکاری رہنما ہے۔ ہمارا بی آئی ایس پی، حکومتِ پاکستان یا کسی صوبائی حکومت سے کوئی تعلق نہیں۔ ہم کبھی آپ کا شناختی کارڈ نمبر، فون نمبر یا کوئی فیس نہیں مانگتے۔ درخواست صرف اس صفحے پر دی گئی سرکاری ویب سائٹ یا دفتر میں دیں۔
OngoingPunjab
Apni Chhat Apna Ghar (Punjab)
Also called: Interest-free housing loan, ACAG
Interest-free loans of up to Rs 1.5 million to build a house on your own small plot in Punjab.
Last checked: (today) · Source: acag.punjab.gov.pk
This page was last checked more than 30 days ago. We are re-checking it. Confirm on the official source before you act.
- Who it is for
- How much
- Up to Rs 1.5 million, interest-free, repaid in easy monthly instalments over 7 years. Paid out in tranches.This figure is more than 45 days old, so we have hidden it. Confirm it on the official site or helpline.Source: acag.punjab.gov.pk (About the Apni Chhat Apna Ghar programme)Checked on:
- How to apply
- Apply online on the official portal, acag.punjab.gov.pk.Source: acag.punjab.gov.pk (About the Apni Chhat Apna Ghar programme)Checked on:
- Official helpline
- 0800-09100PHATA helpline (toll free)Source: acag.punjab.gov.pk (Apni Chhat Apna Ghar portal)Checked on:
According to Government of Punjab (PHATA): Up to Rs 1.5 million, interest-free, repaid in easy monthly instalments over 7 years. Paid out in tranches. Checked by Haqdaar on 26 Oct 2026.
Current status
The official portal accepts applications.Source: acag.punjab.gov.pk (Apni Chhat Apna Ghar portal)Checked on:
Who qualifies
- A resident of Punjab with a CNIC.Source: acag.punjab.gov.pk (Apni Chhat Apna Ghar eligibility criteria)Checked on:
- Registered in NSER/PSER with a PMT score of 60 or less.Source: acag.punjab.gov.pk (Apni Chhat Apna Ghar eligibility criteria)Checked on:
- Sole owner of a plot of up to 5 marla (urban) or 10 marla (rural).Source: acag.punjab.gov.pk (Apni Chhat Apna Ghar eligibility criteria)Checked on:
- Aged 21–60 when applying.Source: acag.punjab.gov.pk (Apni Chhat Apna Ghar eligibility criteria)Checked on:
- Income test (one route): household income of at most Rs 150,000 a month. The other route is an asset test (see the official page).This figure is more than 45 days old, so we have hidden it. Confirm it on the official site or helpline.Source: acag.punjab.gov.pk (Apni Chhat Apna Ghar eligibility criteria)Checked on:
Who does not qualify
- People with a criminal record or a loan default.Source: acag.punjab.gov.pk (Apni Chhat Apna Ghar eligibility criteria)Checked on:
- UnverifiedOlder news reports gave an income limit of Rs 60,000 a month; the current official limit is Rs 150,000.This figure is more than 45 days old, so we have hidden it. Confirm it on the official site or helpline.Unverified: not confirmed from an official source. Check the official site.Source: Secondary reports of an earlier phase (Income threshold reported for an earlier phase) (not official, so not linked)Checked on:
Documents needed
We have not listed documents because we could not confirm the current list from an official source. Ask the official site or helpline. Give your CNIC only at the official office or on the official website.
How to apply
- Apply online on the official portal, acag.punjab.gov.pk.Source: acag.punjab.gov.pk (About the Apni Chhat Apna Ghar programme)Checked on:
- After eligibility is confirmed, the loan is released in tranches.Source: acag.punjab.gov.pk (About the Apni Chhat Apna Ghar programme)Checked on:
How to check your status
- Log in to the official portal or call 0800-09100.Source: acag.punjab.gov.pk (Apni Chhat Apna Ghar portal)Checked on:
Scams around this scheme
- Avoid anyone charging to get your loan approved faster. Apply only on acag.punjab.gov.pk.
- Lookalike sites ending .com or .pk are not official. The official address ends .punjab.gov.pk.
Questions people ask
- Is there a loan for joint families?
- January 2026 news reports said joint families were added. The official portal mentions “Apni Chhat Mehfooz Chhat” for adding a floor or room to an existing house; see the portal for details.
Change log
- : Reported: joint families added to the interest-free loan (see the portal for official details).Source: ProPakistani (Report: joint families added to the Punjab housing loan scheme, 23 Jan 2026) (not official, so not linked)Checked on:
Three things that keep you safe
BISP messages come only from 8171
A message from any other number, WhatsApp account or link is fake.
Source: bisp.gov.pk (Press Release No. 20, 10 Mar 2026)Checked on:Registration is free
There is no fee to register with BISP or to receive a payment. Report any deduction on 0800-26477.
Source: bisp.gov.pk (Press Release No. 20, 10 Mar 2026)Checked on:There is no online PMT checker
Any website that claims to show your PMT score is fake.
Source: PhoneWorld (Report on fake "8171 check online" sites, quoting a BISP official) (not official, so not linked)Checked on:
Related schemes
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