ACAG.Punjab.Gov.PK Portal Phase 2
The Punjab government has officially launched Phase 2 of the Apni Chhat Apna Ghar (ACAG) Program 2025, led by Chief Minister Maryam Nawaz Sharif. This initiative provides interest-free home construction loans of up to Rs. 15 lakh to 70,000 deserving families across Punjab. By offering easy loans and simple online registration, the program gives low-income families a real chance to build their own homes without the burden of commercial interest rates.
You can also read: Maryam Nawaz Flood Relief 2025: Rs 1 Million Support for Affected Families
If you are a permanent resident of Punjab and meet the eligibility criteria, you can register online through the ACAG portal: acag.punjab.gov.pk. The process is designed to be simple and transparent.
What is the Apni Chhat Apna Ghar Program?
The Apni Chhat Apna Ghar Program is a historic housing scheme of the Punjab government. It aims to help families who cannot afford commercial bank loans or expensive financing. Under Phase 2, you can receive interest-free housing loans up to Rs. 1.5 million (15 lakh) with a 7-year repayment plan.
One of the biggest benefits of the program is that the first three installments are waived, which reduces the financial burden on families at the start of their construction journey.
You can also read: CM 1000000 Flood Relief Program Punjab 2025
Key Benefits of ACAG Program Phase 2
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Interest-free loan up to Rs. 15 lakh for home construction.
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7-year easy repayment plan (about Rs. 14,000 per month).
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The first The first 3 installments were waived to help families begin construction without stress.
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Transparent online registration with no hidden charges.
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Targeted to low-income families who own small plots but lack construction funds.
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Phase 2 will benefit 70,000 families across Punjab.
This initiative directly addresses the housing crisis and promotes dignity through homeownership.
Eligibility Criteria for ACAG Phase 2
To ensure the loans reach those who need them most, the Punjab government has set specific eligibility conditions:
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Must be a permanent resident of Punjab.
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Should own 5 marla of urban land or 10 marla of rural land.
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No previous loans taken from banks or other government housing schemes.
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Poverty score below 60% as per BISP/NADRA data.
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Must be the head of the family.
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Must have a valid CNIC issued by NADRA.
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Monthly income below Rs. 50,000.
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No government job or business income.
If you meet all these requirements, you can apply online immediately. Applicants who do not meet these criteria cannot register.
You can also read: Complete Step-by-Step Guide to BISP September 2025 Payment Reversal in Flood-Affected Cities
Documents Needed for Online Registration
You will need the following documents before you start the online application process:
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CNIC of the applicant (registered with NADRA).
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Proof of land ownership (registry, allotment letter, or mutation record).
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Monthly income verification document.
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Passport-size photograph.
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Active mobile number and email address.
Providing correct and verifiable information increases your chances of approval.
Table: Eligibility and Required Documents
| Requirement | Details |
|---|---|
| Residency | Permanent resident of Punjab |
| Land Ownership | 5 marla (urban) or 10 marla (rural) |
| Monthly Income | Below Rs. 50,000 |
| Poverty Score | Below 60% (BISP/NADRA) |
| CNIC | Valid NADRA ID card |
| Employment | No government job/business |
| Documents Needed | CNIC, land papers, income proof, passport photo, active mobile/email |
Step-by-Step Registration on ACAG.Punjab.Gov.PK Portal
The online registration process is designed to be user-friendly. You can complete it from home by following these steps:
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Go to acag.punjab.gov.pk and click “Register.”
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Enter your full name (as on CNIC).
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Input your 13-digit CNIC number.
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Provide your father’s or husband’s name and CNIC number.
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Select your gender (Male/Female).
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Provide a valid email address.
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Enter your active mobile number.
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Choose your mobile network provider.
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Select your division, district, tehsil, and city from the dropdown menus.
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Create a secure password and confirm it.
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Upload the required documents (CNIC, land proof, income certificate, and photo).
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Submit your application and note your application number.
Make sure that all the information you provide is accurate to avoid any delays or rejection.
You can also read: Problems with BISP 8171 SMS: Why Payment Is Delayed and How to Verify the Complete Guide to Alternative Methods in 2025
How the Loan Works
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Loan Amount: Up to Rs. 15 lakh per eligible household.
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Repayment: 7 years in equal monthly installments (about Rs. 14,000/month).
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Waived Installments: The first 3 installments are waived by the government.
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Disbursement: Funds are released in stages to ensure proper use for construction.
Table: Loan Features and Benefits
| Feature | Details |
|---|---|
| Loan Amount | Up to Rs. 1.5 million (15 lakh) |
| Interest Rate | 0% (Interest-Free) |
| Repayment | 7 years |
| Installments | About Rs. 14,000 per month |
| Waiver | First 3 installments waived |
| Beneficiaries in Phase 2 | 70,000 families |
Why This Program Matters
The Apni Chhat Apna Ghar Program is more than just a loan scheme. It represents a social uplift for thousands of low-income families in Punjab. With clear eligibility rules, transparent processing, and zero interest, it stands out as one of Pakistan’s most citizen-friendly housing initiatives.
Families who are currently living in rented houses or incomplete structures can finally have a chance to build a proper home and improve their quality of life.
Important Tips for Applicants
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Double-check your CNIC and documents before submitting.
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Use an active mobile number and email address so you receive updates.
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Ensure your land ownership documents are valid and verifiable.
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Apply early to avoid last-minute rushes or technical delays.
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Keep your application number safe for future reference.
Final Words
The ACAG.Punjab.Gov.PK portal has made it easier than ever for eligible citizens to apply for the Apni Chhat Apna Ghar Program Phase 2. With up to Rs. 15 lakh in interest-free loans, a 7-year repayment plan, and the first three installments waived, this is a golden opportunity for low-income families to turn their dream of owning a home into reality. If you meet the criteria, do not delay. Register online today with all your documents ready and take the first step toward a secure and dignified future.
You can also read: Learn the Complete Step-by-Step Guide to BISP 8171 Disqualification September 2025 Payment Check by CNIC
FAQs
1. How can I register for the Apni Chhat Apna Ghar Program Phase 2?
You can register online through the official portal acag.punjab.gov.pk. Fill in your personal details, upload the required documents, and submit the application.
2. What documents are needed during registration?
You need your CNIC, land ownership proof, income certificate, passport-size photograph, and an active mobile number and email address.
3. Is the registration process free?
Yes. The Punjab government has made the entire registration process free. There are no fees or hidden charges at any stage.