Last updated: October 24, 2026
The Apni Chhat Mehfooz Chhat loan is an interest-free loan from the Punjab government for families who need to repair a weak roof or add a room or floor to their house. News reports say the loan is up to Rs. 500,000 for roof repair and up to Rs. 1,000,000 for an extra room or floor. This guide explains eligibility, documents and the steps to apply, based on ProPakistani (11 August 2026) and ARY News (3 August 2026).
Please note: We are not the Punjab government. These reports are from August 2026 and rules may have changed, so check the official portal before you apply. Neither report mentions a last date or a ballot (lucky draw), so we do not give one.
Apni Chhat Mehfooz Chhat Loan at a Glance
| Item | What the reports say |
|---|---|
| Programme | Part of the Punjab Apni Chhat, Apna Ghar housing programme |
| Loan for roof repair | Up to Rs. 500,000 (about Rs. 4,700 a month, nine years) |
| Loan for extra room or floor | Up to Rs. 1,000,000 (about Rs. 9,300 a month) |
| Interest | Interest-free |
| Fees | The Punjab government bears processing and administrative charges (ProPakistani) |
| Portal | acag.punjab.gov.pk |
| Helpline | 0800-09100 (toll-free, per ARY News) |
| Last date | Not mentioned |
Who Is Eligible for the Apni Chhat Mehfooz Chhat Loan?
According to ARY News, you must meet these conditions:
- You are a permanent Punjab resident with a valid CNIC.
- You own a residential property of up to 5 marla in an urban area or 10 marla in a rural area.
- You are between 21 and 60 years old at the time of application.
- You have a clean financial record, with no loan default at a bank or financial institution.
- You have no conviction for a heinous criminal offence.
- You agree to verification of your personal and property records through NADRA and PLRA.
ProPakistani says the scheme targets low-income households with unsafe houses but does not list the exact criteria. Follow the conditions shown on the official portal.
Documents for the Apni Chhat Mehfooz Chhat Loan
- CNIC
- Proof of property ownership (Fard)
- Photographs of your existing house
Keep clear scans ready. Our documents checklist explains how to keep your papers organised.
How to Apply for the Apni Chhat Mehfooz Chhat Loan Online
- Open the official ACAG portal and register an account.
- Log in and select the Apni Chhat Mehfooz Chhat application option.
- Choose the loan category: the Partial Loan (Mehfooz Chhat) or the Full Loan (Apni Chhat, Apna Ghar).
- Enter your personal and property details and upload the documents.
- Review and submit the form.
You can also visit the help desks at the offices of Deputy Commissioners and Assistant Commissioners across Punjab, or at the regional and deputy director offices of PHATA, according to ARY News.
What Is Not Clear Yet
- Last date: not mentioned in either report.
- Selection method: not mentioned.
- Repayment period for the Rs. 1,000,000 loan: not mentioned.
- Residents of other provinces: the reports do not say if they can apply.
Avoid Fraud
- Apply only on the official portal or at a government help desk.
- Do not pay an “agent” to approve your loan. The government says it bears the processing fees.
- Never share your CNIC or OTP with a caller. Read our guide on how to spot fake offers in Pakistan.
Frequently Asked Questions
What is the Apni Chhat Mehfooz Chhat loan amount?
Up to Rs. 500,000 for roof repair and up to Rs. 1,000,000 for an additional room or floor, according to ProPakistani.
Is the Apni Chhat Mehfooz Chhat loan interest-free?
Yes. The reports describe it as an interest-free loan.
Who can apply?
Permanent Punjab residents aged 21 to 60 who own a house of up to 5 marla (urban) or 10 marla (rural), with a clean financial record.
Where do I apply?
On the ACAG portal (acag.punjab.gov.pk) or at the help desks of Deputy and Assistant Commissioner offices.
What is the helpline number?
ARY News lists the toll-free helpline 0800-09100.
Final Words
The Apni Chhat Mehfooz Chhat loan can help families that cannot afford a roof repair. If your house has a weak roof and you meet the conditions, check the official portal first and keep your Fard and CNIC ready. For more support programmes, read our guides on the CM e-bike scheme and BISP 8171. For more government schemes in Pakistan, keep visiting EarnExpertHub.
Sources: ProPakistani, 11 August 2026; ARY News, 3 August 2026.
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