Punjab Apni Chhat Mehfooz Chhat Program 2026 – Interest-Free Loan

If your roof is not safe or you need to construct a new floor or repair your existing roof, the Apni Chhat Mehfooz Chhat Program offers you an interest-free loan of up to Rs. 10 Lakh with easy monthly installments. This is a Government of Punjab initiative backed by the Punjab Housing & Town Planning Agency (PHATA) and is open to all eligible residents of Punjab, Pakistan.

Apni Chhat Mehfooz Chhat Program 2026 – Quick Overview

Detail Information
Program Name Apni Chhat, Mehfooz Chhat Program (اپنی چھت، محفوظ چھت)
Organization Punjab Housing & Town Planning Agency (PHATA) – Government of Punjab
Initiated By CM Punjab Maryam Nawaz Sharif
Loan Purpose 1 Roof construction / repair of existing home
Loan Purpose 2 New floor / additional room construction
Maximum Loan (New Floor) Rs. 10 Lakh | Monthly installment: Rs. 9,300/-
Maximum Loan (Repair) Rs. 5 Lakh | Monthly installment: Rs. 4,700/-
Interest Rate Zero (0%) – Completely Interest-Free
Repayment Period 9 Years (First 3 months: installment-free grace period)
Apply Online https://acag.punjab.gov.pk
Helpline 0800-09100 (Free helpline)

Loan Details – Two Categories

Category Maximum Loan Monthly Installment Repayment Period
New Manzil / New Floor Construction Rs. 10,00,000/- Rs. 9,300/- 9 Years
Chhat / Roof Repair & Maintenance Rs. 5,00,000/- Rs. 4,700/- 9 Years

Special Feature: First 3 months are installment-free (grace period). Loan repayment begins from the 4th month.

Program Details – Key Information

  • 🏠 Program: Apni Chhat, Mehfooz Chhat (اپنی چھت، محفوظ چھت)
  • 🏛️ Organization: Punjab Housing & Town Planning Agency (PHATA)
  • 💰 Loan Amount: Up to Rs. 5 Lakh (repair) or Rs. 10 Lakh (new floor)
  • 📍 Location: Punjab, Pakistan (Statewide)
  • 📋 Education Required: None specified
  • 👤 Experience: Not required
  • 📅 Age Limit: As per program policy
  • 📞 Helpline: 0800-09100 (Free)
  • 🌐 Apply Online: acag.punjab.gov.pk

Who Can Apply?

  • ✅ Residents of Punjab, Pakistan
  • ✅ Home owners whose roof is not safe or needs repair
  • ✅ Families who want to build an additional floor or room
  • ✅ Low to middle income families seeking interest-free government support
  • ✅ Applicants must have verifiable property / house ownership

How to Apply – Step-by-Step

  1. Visit the official program portal: https://acag.punjab.gov.pk
  2. Register online with your CNIC number and basic personal details.
  3. Select your loan category — New Floor Construction or Roof Repair.
  4. Fill in the online application form with complete property and income details.
  5. Submit the application and note your application reference number.
  6. Alternatively, visit your nearest Punjab Housing & Town Planning Agency (PHATA) office or the concerned Deputy Commissioner office for in-person facilitation.
  7. You can also visit the Punjab Housing & Town Planning Agency (PHATA) facilitation counter or the nearest Assistant Director office for guidance.
  8. For any queries, call the free helpline: 0800-09100

Related Links – You May Also Like

Official & External Links

Apni Chhat Mehfooz Chhat Program 2026


Conclusion

The Apni Chhat, Mehfooz Chhat Program 2026 is a valuable government initiative by CM Punjab Maryam Nawaz that allows low and middle-income families across Punjab to secure their homes with an interest-free government loan of up to Rs. 10 Lakh. Whether you need to repair your existing roof or build a new floor, this program offers the financial support you need with easy monthly installments and a 9-year repayment period. Apply online at acag.punjab.gov.pk or call 0800-09100 for free guidance.

This is a Government of Punjab initiative. Program terms and eligibility criteria are subject to change as per official policy. Verify all details through the official portal before applying.