Chief Minister of Punjab, Maryam Nawaz, has launched the “Apni Chhat Mehfooz Chhat Program 2026” (Our Home, Safe Home) program under the “Apni Chhat Mehfooz Chhat Program 2026” (My Roof, Save Roof) scheme. The objective of this program is to provide easy, interest-free loans to poor and deserving families for roof repair and the construction of an additional floor.

Key Details of the Program

• Repair of Roofs and construction of additional rooms: An interest-free loan of up to Rs. 500,000 (5 Lakhs) will be provided.

• Construction of a New Floor: An interest-free loan of up to Rs. 1,000,000 (10 Lakhs) will be provided in installments.

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The Apni Chhat Mehfooz Chhat Program 2026 is a flagship housing initiative launched by the Government of Punjab under the leadership of Chief Minister Maryam Nawaz Sharif. This program is launched today (15 July 2026). The main purpose to launch this program is to help low and middle-income families repair, renovate, or expand their homes or chhat through interest-free (Qarz-e-Hasna) loans. Families whose homes are unsafe due to rain damage or poor construction can benefit from this scheme and improve their living conditions without paying any interest.

The initiative is being implemented by the Punjab Housing & Town Planning Agency (PHATA) in collaboration with the Government of Punjab.

Apni Chhat Mehfooz Chhat Program 2026 Overview

Loan Amount Details

The scheme offers two financing options depending on the applicant’s needs.

1. Roof Repair Loan

Eligible applicants can receive:

• Loan Amount: Up to Rs. 5,00,000 ( 5 lakh)
• Purpose:
  • Roof repair
  • Construction of an additional room
• Repayment Period:
  • 3 Years

2. Home Expansion Loan

Applicants needing additional living space may receive:

• Loan Amount: Up to Rs. 10,00,000 (10 lakh)
• Purpose:
  • Construction of the new portion of the house
  • Home extension
• Repayment Period:
  • 6 Years

Monthly Installment

According to the advertisement, beneficiaries can repay the loan through affordable monthly installments of approximately:

Rs. 14,000 per month

Eligibility Criteria

Applicants must meet the following conditions.

1. Punjab Resident

The applicant or an immediate family member must be a permanent resident of Punjab as per their valid CNIC.

2. Property Ownership

The applicant must be the sole owner and possessor of: the house

3. No Loan Default

Applicants should not be loan defaulters of any:

• Bank
• Financial institution
• Government financing agency

Who Should Apply?

This program is especially beneficial for:

• Low-income families
• Rural households
• Urban poor
• Families living in unsafe houses
• People with damaged roofs
• Families needing an additional room
• Homeowners requiring urgent repairs

Required Documents

Applicants should keep the following documents ready before applying:

• Valid CNIC
• Mobile number
• Proof of Punjab residence
• Property ownership documents
• Recent photographs (if required)
• Any additional documents requested during verification

Frequently Asked Questions (FAQs)

Is the loan interest-free?

Yes. It is a Qarz-e-Hasna, meaning applicants do not pay any interest.

What is the maximum loan amount?

Applicants may receive up to Rs. 10 lakh for the construction of a new portion/story and Rs. 5 lakh for room extension or renovation  of the roof

Who can apply?

Permanent residents of Punjab who meet the eligibility criteria and own eligible residential property.

What is the repayment period?

• Rs. 10 lakh loan: Up to 6 years
• Rs. 5 lakh loan: Up to 3 years

Can loan defaulters apply?

No. Existing loan defaulters are not eligible.

How to Apply for Apni Chhat Mehfooz Chhat Program 2026

Applying for the Apni Chhat Mehfooz Chhat Program 2026 is simple. Follow these steps carefully:

Step 1: Visit the Official Portal

Open the official application website:

https://acag.punjab.gov.pk

Step 2: Create an Account

Register using your:

• CNIC
• Mobile number
• Required personal information

Step 3: Complete the Online Application

Fill in accurate information, including:

• Personal details
• Address
• Property details
• Loan requirement

Step 4: Upload Required Documents

Upload scanned copies of:

• CNIC
• Property ownership documents
• Any additional documents requested by PHATA

Step 5: Review and Submit

Carefully review your application to ensure all information is correct before submitting it online.

Step 6: Verification Process

PHATA and the relevant government departments will verify:

• Your eligibility
• Property ownership
• Residence status
• Supporting documents

Step 7: Loan Approval

If your application is approved, you will receive official notification along with details about loan disbursement and repayment.