Apni Chhat Apna Ghar Program
Apni Chhat Apna Ghar Program (ACAG) program has entered a decisive phase in Punjab, shifting from planning to large-scale delivery of affordable housing. Under the leadership of Chief Minister Maryam Nawaz Sharif, the government has prioritized loan disbursement, construction progress, and complementary housing initiatives to ensure families with limited income can own homes.
With interest-free loans of up to Rs. 15 lakh, simplified eligibility criteria, and digital monitoring for transparency, ACAG is transforming the landscape of affordable housing in Punjab. Families across urban and rural districts now have a real opportunity to construct homes on their own plots while avoiding financial stress.
ACAG Housing Loans: Who Can Apply and What’s Offered
The ACAG housing loan scheme is designed specifically for families who own small plots but cannot afford construction costs. The program provides financial support without interest or additional fees, making it one of the most citizen-friendly housing schemes in Pakistan.
Key features of ACAG loans include:
- Loan amount of up to Rs. 15 lakh
- Zero interest and no processing fees
- Monthly installment of Rs. 14,000, with the first installment deferred for three months
- Eligibility includes first-time homeowners with a monthly income below Rs. 50,000
- Plot requirements: 1–5 marla in urban areas or up to 10 marla in rural areas
Eligibility is verified digitally through NSER records, PMT scoring, and NADRA-linked checks, ensuring fair access and reducing bureaucratic delays. The program aims to support low-income families in building homes while maintaining financial stability.
Current Progress: ACAG Achievements in Punjab
Punjab has witnessed remarkable growth in ACAG construction activity. By January 2026, the program had achieved significant milestones:
- Over 50,000 houses completed by the end of 2025
- Around 700 houses under construction daily across multiple districts
- Rs. 155 billion disbursed to 121,477 beneficiaries
| ACAG Program Key Highlights | Numbers as of Jan 2026 |
|---|---|
| Houses Completed | 50,000+ |
| Daily Construction | 700 houses |
| Total Loan Disbursed | Rs. 155 billion |
| Number of Beneficiaries | 121,477 |
| Monthly Installment | Rs. 14,000 |
These figures illustrate the scale of ACAG and its growing impact on low-income households. The government has also emphasized continuity in construction, ensuring that funding gaps do not delay home building.
Second Installment Release: Ensuring Construction Continuity
To maintain momentum, the government released the second installment for families whose construction was already underway. This move was critical because delays due to financial gaps can stall progress and increase overall costs.
Official updates highlighted:
- Construction activity is ongoing in multiple districts simultaneously
- Timely release of funds minimizes the risk of delays at building sites
- Continuous monitoring ensures that all selected beneficiaries can proceed with their projects
This step reflects a shift from announcements to actual execution, showing the government’s commitment to delivering homes on time.
Digital Monitoring and Transparency Measures
A major feature of ACAG 2026 is the use of digital tools to track progress and ensure transparency. The government has implemented:
- Live dashboards monitoring construction progress and fund utilization
- District-wise performance reports updated in real time
- Timelines for ongoing projects to ensure deadlines are met
These measures allow authorities to detect issues early, address delays, and ensure that funds are properly utilized. In addition, the government has reviewed development and repair projects worth Rs. 204 billion across 52 cities, which complement ACAG by improving urban infrastructure and housing utilities.
Complementary Housing Programs: AZAG and PAHP
Punjab has also introduced programs that complement ACAG, creating a broader housing ecosystem.
Apni Zameen Apna Ghar (AZAG)
The AZAG program provides free residential plots to landless families, enabling them to eventually participate in housing construction initiatives. Recent updates include:
- First digital balloting completed for 2,000 plots
- Plots located in 19 districts, including Kasur, Faisalabad, Attock, Sargodha, Jhelum, and Gujrat
- Over 367,000 applications received online
- Issuance of allotment letters initiated in January 2026
AZAG ensures that families without land can become future homeowners under ACAG or related housing programs.
Punjab Affordable Housing Programme (PAHP)
The PAHP aims to increase housing supply on a large scale, supporting both the public and private sectors. Key details include:
- 37,000 housing units planned
- US$250 million funding from the World Bank
- 20,000 units on state land, 17,000 units through private sector partnerships
Together, ACAG, AZAG, and PAHP create a comprehensive housing strategy for Punjab, addressing both land ownership and construction challenges.
How to Register Online for ACAG 2026
Families interested in the ACAG loan can complete the online registration process by following these steps:
- Verify eligibility (Punjab resident, monthly income below Rs. 50,000, PMT score ≤ 60)
- Check plot size requirements (urban 1–5 marla, rural up to 10 marla)
- Prepare required documents: CNIC, proof of income, plot ownership
- Submit the online application through the official ACAG portal
- Wait for digital verification and approval
- Receive the first installment, with monthly payments starting after three months
This simplified process ensures that families can access loans without unnecessary delays or complicated paperwork.
Social and Economic Impact
ACAG and complementary housing programs have a significant impact on families and communities:
- Families achieve first-time homeownership, providing security and stability
- Construction projects create job opportunities for local workers
- Improved housing standards contribute to better urban infrastructure and quality of life
By enabling thousands of low-income families to build homes, these initiatives strengthen social welfare, promote economic development, and reduce housing inequality across Punjab.
Outlook: Punjab’s Affordable Housing in 2026
With accelerated loan releases, digital monitoring, and complementary programs, ACAG has firmly moved into the delivery phase. The government’s focus on execution, transparency, and large-scale construction ensures that more families will benefit from homeownership in the coming months.
Eligible citizens are encouraged to register online immediately to take advantage of the Rs. 15 lakh housing loan, which is transforming dreams of homeownership into reality. ACAG is not just a housing program—it is a step toward financial stability, social security, and a better future for thousands of families in Punjab.