Apni Chhat Apna Ghar Phase 2 – Rs. 15 Lakh Interest-Free Loan Scheme 2025 Complete Guide

Apni Chhat Apna Ghar Phase 2

The Apni Chhat Apna Ghar Phase 2 Scheme 2025 is a flagship housing initiative by the Punjab Government aimed at helping low-income families build their own homes. Under this program, eligible residents of Punjab can receive up to Rs. 15 lakh as an interest-free loan to construct a house on land they already own.

This scheme is specially designed for families earning less than Rs. 60,000 per month who cannot afford construction costs. The loan is provided with zero interest, backed by a full government guarantee, and repaid in easy monthly installments over 10 years. Applications are accepted online through the official portal acag.punjab.gov.pk, ensuring transparency and ease.

You Can Also Read: BISP 8171 January 2026 Eligibility Check, Registration & Payment Guide

What Is Apni Chhat Apna Ghar Phase 2?

Apni Chhat Apna Ghar Phase 2 is an expanded version of the earlier housing scheme, launched to reach more deserving families across Punjab in 2025. Many people own small plots of land but live in rented homes or unfinished structures due to financial limitations. This program bridges that gap by offering construction-based financial support instead of cash handouts.

The government releases the loan in three construction-linked phases, ensuring the funds are used only for building purposes. Priority is given to widows, orphans, laborers, and persons with disabilities, making it one of the most inclusive housing schemes in Punjab.

Key Features of Apni Chhat Apna Ghar Scheme

• Interest-free housing loan up to Rs. 15 lakh with a repayment period of 10 years

• Fully online and transparent system with SMS updates and government verification

Additional highlights include flexible installments, phased disbursement, and support centers for applicants without internet access.

Eligibility Criteria for Apni Chhat Apna Ghar Phase 2

To ensure that the scheme benefits only deserving households, the Punjab Government has set clear eligibility rules:

• Applicant must be a permanent resident of Punjab

• Monthly household income must not exceed Rs. 60,000

• Applicant must own a plot or land in their own name

• Applicant must not own a fully constructed house

• CNIC and registered mobile number are mandatory

• Preference is given to widows, disabled persons, laborers, and orphans

Only applicants who meet all conditions should proceed with registration.

Required Documents for Registration

Before starting the online application, keep scanned copies of the following documents ready:

• Computerized National Identity Card (CNIC)

• Land ownership proof or registry (in applicant’s name)

• Latest utility bill (electricity or gas)

• Proof of income or employment certificate

• Family Registration Certificate (FRC) from NADRA

• Passport-size photographs

Incorrect or fake documents may result in rejection, so accuracy is essential.

Apni Chhat Apna Ghar Phase 2

How to Apply Online for Apni Chhat Apna Ghar Phase 2

The application process is simple and does not require visiting any government office.

1. Visit https://acag.punjab.gov.pk

2. Click on “Apply Now.”

3. Enter your CNIC, mobile number, and personal details

4. Provide land, income, and address information

5. Upload required documents

6. Accept the declaration and submit the form

After submission, you will receive a confirmation SMS. Save your application details for future tracking.

What If You Don’t Have Internet Access?

Applicants from rural or remote areas can still apply through PHATA facilitation offices available in each district.

• Visit the nearest PHATA office with original documents

• Government staff will assist with form submission

• SMS confirmation will be sent after successful registration

This ensures equal access for everyone, even without digital skills.

Loan Disbursement Process

The loan amount is released in three phases to ensure proper use:

• First Phase (40%) – After land and document verification

• Second Phase (30%) – After completion of building structure

• Final Phase (30%) – During roofing and finishing stage

Each phase is released after physical inspection and transferred directly to the applicant’s bank account.

You Can Also Read: 8171 CNIC Verification 13500 Online for January 2026

Conclusion 

The Apni Chhat Apna Ghar Phase 2 Scheme 2025 is a life-changing opportunity for low-income families in Punjab. With an interest-free loan of up to Rs. 15 lakh, easy installments, and full government support, building a home is now achievable. The transparent online process ensures fairness and dignity for applicants. If you meet the eligibility criteria, apply today and take a confident step toward secure and respectable home ownership.

FAQs 

1. Is the Rs. 15 lakh loan completely interest-free?
Yes, the loan is 100% interest-free with no hidden charges or markup.

2. How long does approval take after applying?
The approval process usually takes 30 to 60 days, including verification and site inspection.

3. How is the loan amount paid to beneficiaries?
The loan is released in three construction-based phases and transferred directly to the applicant’s bank account.