The Punjab government has approved Apni Chhat Apna Ghar Fresh Applications, giving another chance to families who could not apply in the earlier phase. Chief Minister Maryam Nawaz Sharif approved the decision at a review meeting in Lahore on 3 November 2026, where officials briefed her on the progress of the province’s flagship housing programme.
More than 1.7 million people have already registered on the official portal, and 128,718 houses have been completed under the scheme. The approval means new applicants will soon be able to apply for an interest-free housing loan of up to Rs 1.5 million to build their own home. The portal has not yet announced an opening date for the new applications, so applicants should watch the official website and avoid paying anyone who promises early registration.
Apni Chhat Apna Ghar Fresh Applications: What Was Approved
The decision was taken at a high-level meeting chaired by the Chief Minister, who directed the authorities to ensure timely completion of all targets set under the scheme.
- Approval date: 3 November 2026, at a review meeting chaired by Chief Minister Maryam Nawaz Sharif in Lahore.
- What was approved: inviting fresh applications for housing loans under Apni Chhat Apna Ghar.
- Who benefits: citizens who could not apply during the previous phase of the scheme.
- Opening date: the portal has not announced any opening date for new applications so far.
- Loan amount: up to Rs 1.5 million, fully interest free, paid in parts rather than in one payment.
- Official portal: acag.punjab.gov.pk is the only official website for the scheme.
Scheme Progress So Far
The briefing at the 3 November meeting showed how far the programme has come since its launch. Registration on the portal has crossed 1.7 million, while construction and loan disbursement continue across Punjab.
| Detail | Figure |
|---|---|
| Registered on the portal | More than 1.7 million people |
| Houses completed | 128,718 |
| Loans disbursed | More than 225,000 |
| Second instalment received | 171,597 beneficiaries |
| Houses under construction | 62,600 |
| Loan repayments received | Rs 22.29 billion |
| New loans approved by Cabinet | Rs 60 billion for 40,000 more loans (October 2026) |
In October 2026, the Punjab Cabinet approved Rs 60 billion for 40,000 more loans through the Bank of Punjab, and the fresh applications are part of this expansion.
Loan Amount and Terms
The scheme offers an interest-free loan of up to Rs 1.5 million, paid in tranches as construction work progresses, not in one lump sum.
- Maximum loan: Rs 1.5 million per applicant.
- Interest: fully interest free.
- Payment method: released in tranches linked to construction progress.
- Partner organisations: Akhuwat, the Bank of Punjab, the National Rural Support Programme (NRSP) and the Rural Community Development Programme (RCDP) work with the portal.
- Second instalment: 171,597 beneficiaries have already received the second instalment of their loans.
Who Can Apply in the New Phase
The scheme is aimed at low-income families in Punjab who want to build their own home. Detailed eligibility criteria for the new phase will be published on the official portal when applications open.
- Target group: low-income and homeless families across Punjab.
- Eligibility details: to be published on the official portal when the new phase opens.
- Existing applicants: people who already applied should check their status on the portal instead of applying again.
- Do not apply twice: submitting a second application creates confusion and can delay the original case.
How to Apply When Applications Open
The application form for the new phase will appear on the official portal once the opening date is announced.
- Visit the official portal at acag.punjab.gov.pk and check the address bar before entering any detail.
- Create an account or log in with your CNIC, password and the CAPTCHA shown on the screen.
- Open the application section when the new phase is announced and fill in the form carefully.
- Upload the required documents as asked on the portal and submit the application.
- Save your application number and check the status later by logging in to the portal and opening Application Status.
There is no SMS code for this scheme, and status is checked only by logging in to the portal. No separate public page shows status from a CNIC number alone.
Important Dates
| Event | Date |
|---|---|
| Fresh applications approved | 3 November 2026 |
| Cabinet approval for 40,000 more loans | October 2026 |
| Opening date for new applications | To be announced |
Mistakes to Avoid
- Paying agents: do not pay any person who claims he can get your new application registered before the official opening.
- Fake websites: use only acag.punjab.gov.pk and always check the address bar before typing your CNIC or password.
- Second application: do not submit a second application just to check your status, as it can delay your original case.
- SMS claims: there is no SMS code for this scheme, so any message asking for money or details is not official.
Contact and Helpline Details
| Channel | Details |
|---|---|
| Official portal | acag.punjab.gov.pk |
| Status check | Log in to the portal with CNIC and password, then open Application Status |
| Loan partners | Akhuwat, Bank of Punjab, NRSP, RCDP |
| SMS code | None for this scheme |
Conclusion
The approval of fresh applications gives families who missed the earlier phase another chance. With 128,718 houses already completed and 40,000 more loans approved by the Cabinet, the scheme is now entering a new phase. Applicants should keep checking the official portal for the opening date and apply only through acag.punjab.gov.pk.
FAQs
When will fresh applications for Apni Chhat Apna Ghar open?
The Chief Minister approved inviting fresh applications on 3 November 2026, but the portal has not announced an opening date yet.
How much loan does the scheme offer?
Up to Rs 1.5 million, fully interest free, paid in tranches as construction progresses.
How can I check my application status?
Log in at acag.punjab.gov.pk with your CNIC and password, then open Application Status. There is no SMS code for status checks.
Can I apply again if I already applied?
No. Submitting a second application creates confusion and can delay your original case, so check your status instead.
The editor of epdpunjab.pk, covering the Environment Protection & Climate Change Department, Punjab and the CM Punjab Climate Leadership Development Internship Program 2026, with information verified from official sources.
