Big News: Apni Chhat Apna Ghar Scheme 2026 – Interest-Free Home Expansion Loan for Joint Families in Punjab

Apni Chhat Apna Ghar Scheme 2026 is a flagship welfare initiative launched by the Punjab Government under the leadership of Chief Minister Maryam Nawaz Sharif. This program is designed to support joint family households who want to expand, renovate, or improve their existing homes but cannot do so due to financial constraints. Through the ACAG Program 2026, eligible families can access interest-free loans to ensure dignified, safe, and improved housing conditions across Punjab.

Feature	Details
Scheme Name	Apni Chhat Apna Ghar Scheme 2026
Program Type	Interest-Free Home Expansion Loan
Target Families	Joint Family Households
Province	Punjab
Loan Usage	Home Expansion and Renovation
Interest	0% (Interest-Free)
Repayment Period	2 to 5 Years
Managing Authority	Punjab Government

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Purpose of Apni Chhat Apna Ghar Scheme 2026

The main objective of the Apni Chhat Apna Ghar Scheme is to address housing challenges faced by joint families living under one roof. Many families in Punjab lack sufficient living space, which leads to overcrowding and discomfort. This scheme focuses on improving quality of life by enabling families to expand their homes legally and safely.

Provide financial assistance to low- and middle-income families
Support joint family systems with better housing solutions
Promote interest-free lending for social welfare
Encourage safe and planned home expansion
Improve overall living standards in Punjab

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Key Features of the Interest-Free Loan

The loan offered under ACAG Program 2026 stands out due to its citizen-friendly structure and relaxed conditions. It is specifically tailored for families who want to expand their homes without falling into debt traps.

100% interest-free loan facility
Easy and flexible monthly installments
Long repayment tenure for affordability
Minimal documentation requirements
Loan strictly limited to home expansion purposes
Special priority for joint family households

Loan Aspect	Description
Interest Rate	Zero percent
Installments	Monthly, easy to manage
Documentation	CNIC and property proof
Eligible Use	Expansion, renovation, repair
Priority Group	Joint families
Approval Process	Verification-based

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Eligibility Criteria for ACAG Program 2026

To ensure transparency and fair distribution, the Punjab Government has set clear eligibility conditions. Applicants must meet all criteria to qualify for the scheme.

Applicant must be a permanent resident of Punjab
Family must be living in a joint family system
Legal ownership or valid documentation of the house is required
Clear plan for home expansion or renovation
Valid CNIC of the applicant
Household income must fall within government-defined limits

Approved Uses of the Loan Amount

The interest-free loan can only be used for specific construction and renovation purposes. This ensures that funds are utilized properly and aligned with the scheme’s objectives.

Construction of additional rooms
Building a second storey
Repairing roofs, walls, and foundations
Expansion of kitchen or washroom
Structural improvements for safety and durability

How to Apply for Apni Chhat Apna Ghar Scheme 2026

The application process has been kept simple to ensure maximum participation. Applicants can choose between online and offline methods based on convenience.

Online Application Process

Visit the official Punjab Government portal for Apni Chhat Apna Ghar Scheme at https://acag.punjab.gov.pk
Log in using your CNIC number
Upload required property and identity documents
Enter details of the proposed home expansion
Submit the application form for verification

Offline Application Process

Visit the nearest designated government office or social welfare department
Collect and fill out the application form
Attach original and photocopies of required documents
Submit the form to the concerned officer
Follow instructions provided during verification

Loan Repayment and Installment Plan

The repayment structure is designed to minimize financial burden on families. The Punjab Government ensures that installments remain affordable.

Repayment through easy monthly installments
Tenure ranging from 2 to 5 years
Installment amount adjusted according to income level
No hidden charges or interest added

Why Apni Chhat Apna Ghar Scheme Is Important

This scheme plays a crucial role in addressing housing shortages and social challenges faced by joint families in Punjab. It is not just a loan program but a long-term investment in social stability.

Promotes interest-free financing culture
Supports traditional joint family systems
Reduces overcrowding in households
Provides real relief to low-income families
Contributes to improved housing infrastructure

Helpline & Contact Information

For official guidance, application support, and verification updates, applicants can contact the relevant authorities.

Official Website: https://acag.punjab.gov.pk
Punjab Government Helpline: 0800-02345
Nearest Social Welfare Office: District-level facilitation centers
Information verified from official government sources and leading search results

Conclusion

Apni Chhat Apna Ghar Scheme 2026 (ACAG Program) is a visionary initiative by the Punjab Government aimed at empowering joint families through interest-free home expansion loans. By offering easy installments, zero interest, and a transparent process, the scheme provides a practical solution for families seeking better living conditions. Eligible households are encouraged to apply and benefit from this opportunity to improve their homes with dignity and financial security.