The Punjab government has introduced interest-free financing under the Apni Chhat Programme to help low-income families improve their homes by repairing damaged roofs or constructing upper floors. The initiative offers eligible applicants loans ranging from Rs500,000 to Rs1 million, making home improvement more accessible for qualifying residents across the province.
People who meet the eligibility requirements can submit their applications through the official online portal. In addition, the government has established facilitation centres across Punjab to assist those who need help with the application process.
How to Apply for the Apni Chhat Programme
Applicants must first visit the official ACAG portal and register by creating an account with their personal details. After signing in, they can choose one of the available financing options that best meets their requirements.
The portal provides two loan categories:
- Full Loan under the Apni Chhat, Apna Ghar Programme
- Partial Loan under the Apni Chhat, Mehfooz Chhat Programme
Afterward, applicants must upload the required documents after choosing the appropriate loan category before submitting their application.
Documents Required for the Application
To process an application, applicants need to provide several supporting documents. This helps authorities verify both the applicant’s identity and property ownership.
Required documents include:
- Computerized National Identity Card (CNIC)
- Proof of property ownership (Fard)
- Photographs of the existing house
Once all documents are uploaded, the application can be submitted through the online system.
Who Is Eligible for the Apni Chhat Programme?
To qualify for the interest-free loan, the Punjab government has outlined several conditions that applicants must meet.
Eligible applicants must:
- Be permanent residents of Punjab with a valid CNIC.
- Own a residential property of up to 5 marlas in urban areas or 10 marlas in rural areas.
- Be between 21 and 60 years of age at the time of application.
- Have no history of loan default with banks or financial institutions.
- Have no conviction for any heinous criminal offence.
- Agree to the verification of personal and property records through the National Database and Registration Authority (NADRA) and the Punjab Land Records Authority (PLRA).
These conditions are intended to ensure that the financial assistance reaches eligible households in need of support for home improvements.
Assistance Available Across Punjab
To make the process easier, the government has set up help desks at the offices of all Deputy Commissioners and Assistant Commissioners throughout Punjab. Furthermore, applicants can also seek assistance at the regional and deputy director offices of the Punjab Housing and Town Planning Agency (PHATA).
These facilitation centres are available for people who require guidance in completing the registration process or submitting the necessary documents.
Where to Get More Information
To begin the process, applicants can obtain further details and apply through the official loan category portal. Meanwhile, if they need more information, they may contact the government’s toll-free helpline for guidance on eligibility, documentation, or the application process.
The programme is aimed at supporting eligible low-income families by providing interest-free financing for essential home repairs and roof rehabilitation, helping improve housing conditions across Punjab.
