Table of Content
Table of Contents
Apni Chhat Apna Ghar Program 100000 Houses Completed
Overview Apni Chhat Apna Ghar Program 100000 Houses Completed
| Feature | Latest Update |
|---|---|
| International Recognition | Ranked among world’s top innovative housing projects at World Urban Forum (WUF), Baku |
| Houses Completed | Over 100,000 within one year |
| Daily Construction Rate | 600-700 houses per day |
| Interest-Free Loans Disbursed | 64,000+ loans |
| Total Loans Disbursed (All Installments) | 121,480+ loans |
| Registered Users | 1.88 million+ |
| Applications Received | 1.06 million+ |
| Houses Completed (as of Jan 2026) | 67,197 |
| Houses Under Construction | 53,843 |
| Total Loan Disbursement Value | Rs. 164.66 billion |
| Recovery Rate | 99% |
| Monthly Installment | Rs. 14,000 – 15,000 |
| Repayment Period | 9 Years |
| Target by June 2026 | 160,000 houses |
| Recovery Collected | Rs. 5.53 billion |
Introduction Apni Chhat Apna Ghar Program 100000 Houses Completed
The Apni Chhat Apna Ghar program continues to transform the housing landscape of Punjab. This flagship initiative of Chief Minister Maryam Nawaz Sharif has achieved remarkable milestones in 2026, including international recognition at the World Urban Forum in Baku, Azerbaijan. This article provides the latest updates on the program’s progress, new developments, and future targets.
Also Read: Apni Zameen Apna Ghar Scheme – Free 3 Marla Plot
Related Scheme: Kissan Card Punjab – Interest Free Loan for Farmers
Latest Major Developments (May 2026)
1. International Recognition at World Urban Forum – 19 May 2026
Punjab Chief Minister Maryam Nawaz Sharif inaugurated the Punjab Pavilion at the World Urban Forum held in Baku, Azerbaijan on 19 May 2026. During the event, the Apni Chhat Apna Ghar program was ranked among the world’s top innovative housing projects. Director General PHATA Zeeshan Sikandar briefed the chief minister on the progress and achievements of the program at the Punjab Pavilion.
The chief minister took a live virtual tour of the housing scheme through interactive digital gadgets and watched a documentary showcasing the construction journey and impact of the project on beneficiaries. International delegates, foreign media representatives, and guests attending the pavilion praised the chief minister’s vision and welfare-oriented policies.
Speaking to foreign delegates and media representatives, CM Maryam Nawaz highlighted the success of Punjab’s affordable urban housing programme, saying the initiative was very close to her heart and aimed at enabling deserving families to build homes through transparent and non-discriminatory loan distribution.
The Punjab Pavilion emerged as a major attraction at the World Urban Forum, while international media described the Punjab government’s swift implementation of the housing initiative as a model for other countries.
Read More: CM Punjab Himmat Card – Support for Disabled Persons
Trending Now: CM Punjab E-Bikes Scheme for Students
2. 100,000+ Houses Completed Within One Year
Chief Minister Maryam Nawaz announced that more than 100,000 houses have been completed within just one year under the Apni Chhat Apna Ghar program. The construction pace is impressive, with 600 to 700 houses being constructed daily across Punjab.
This remarkable achievement demonstrates the government’s commitment to providing affordable housing to low-income families. The program has successfully addressed the housing needs of thousands of deserving families who previously could not afford to build their own homes.
New Update: Green Tractor Scheme by CM Punjab
Must Read: Roshan Gharana – Free Solar Panels Scheme
3. 64,000+ Interest-Free Loans Disbursed
According to official figures, 64,000 interest-free loans have been disbursed under the scheme. Recipients will repay the loans in easy installments over a period of nine years, with the monthly installment being only Rs. 15,000, making repayment convenient for the beneficiaries.
The government plans to disburse 75,000 loans by the end of the month. Additionally, 121,480 loans have been disbursed in the first installment under the program, while the second installment will be provided to 21,390 families soon. An additional 18,240 newly approved loans will also be disbursed in the coming days.
Related Guide: Asan Karobar Card – Small Business Loan
Also Read: Parwaaz Card – Interest Free Loan for Youth
4. Joint Family System Expansion
The Punjab government has expanded the Apni Chhat Apna Ghar program to include joint families across the province. Under the updated scheme, joint families can now access interest-free loans with easy installments to upgrade and expand their existing homes.
Chief Minister Maryam Nawaz Sharif described the expanded scheme as a “golden gift” for the people of Punjab, highlighting that the program focuses on increasing living space for joint families without compromising shared arrangements. The move aims to support the traditional joint family system while promoting social harmony and improved living conditions.
Latest Information: CM Punjab Rashan Card Scheme
Relevant Scheme: E-Taxi Scheme by CM Punjab
Program Statistics at a Glance (2026) Apni Chhat Apna Ghar Program 100000 Houses Completed
| Metric | Figure |
|---|---|
| Registered Users | 1.88 million+ |
| Applications Received | 1.06 million+ |
| Houses Completed (Total) | 67,197 |
| Houses Under Construction | 53,843 |
| Interest-Free Loans Disbursed | 64,000+ |
| Total Loan Disbursement Value | Rs. 164.66 billion |
| Recovery Rate | 99% |
| Recovery Collected | Rs. 5.53 billion |
| Daily Construction Rate | 600-700 houses |
| Target by June 2026 | 160,000 houses |
| Monthly Installment | Rs. 14,000 – 15,000 |
Step-by-Step Guide: How to Apply for Apni Zameen Apna Ghar Scheme
Future Targets and Government Vision Apni Chhat Apna Ghar Program 100000 Houses Completed
The provincial government aims to construct 160,000 houses by June 2026 under this housing roadmap for low and middle-income families.
Chief Minister Maryam Nawaz has directed authorities to speed up the release of upcoming installments, increase project funding, and develop policies to support families in case of the death of a primary applicant, ensuring continuity of assistance.
Official Details: BISP 8171 Payment Check Online
Latest Update: Benazir Taleemi Wazaif Program – Education Stipend
Loan Recovery and Financial Sustainability
The program has demonstrated impressive financial sustainability with a 99% recovery rate. A total recovery of Rs. 5.53 billion has been successfully completed under the program, reflecting transparent, efficient, and effective implementation.
Construction activities are actively underway in both urban and rural areas across the province. To ensure easy access for deserving families, offices have been established throughout Punjab, while the online application process has been made extremely simple and user-friendly.
Also Read: Punjab Skills Development Initiative
New Scheme: Digital Youth Hub Pakistan
Frequently Asked Questions (FAQs)
What is the Apni Chhat Apna Ghar program?
It is a Punjab government flagship housing initiative launched by CM Maryam Nawaz Sharif that provides interest-free loans up to Rs. 1.5 million for house construction.
Is the loan really interest-free?
Yes, the loan is completely interest-free (0% markup).
What is the monthly installment amount?
The monthly installment is approximately Rs. 14,000 to Rs. 15,000.
What is the repayment period?
The repayment period is 9 years.
How many houses have been completed so far?
More than 100,000 houses have been completed within one year, with 67,197 houses completed as of January 2026.
How many loans have been disbursed?
64,000+ interest-free loans have been disbursed, with 121,480 loans disbursed in the first installment alone.
Can joint families apply for this program?
Yes, the program has now been expanded to include joint families.
What is the official portal for application?
The official portal is acag.punjab.gov.pk.
What is the recovery rate of the program?
The program has a 99% recovery rate.
What is the target for June 2026?
The government aims to construct 160,000 houses by June 2026.
What is the daily construction rate?
600 to 700 houses are being constructed daily.
What international recognition has the program received?
The program was ranked among the world’s top innovative housing projects at the World Urban Forum in Baku, Azerbaijan in May 2026.
What documents are required for application?
Valid CNIC, Punjab domicile, plot ownership proof, income proof, FRC, and passport-size photographs.
Is there any application fee?
No, the application is completely free. No processing fee is charged.
What is the helpline number?
The helpline number is 0800-09100.
How many people have registered for the program?
Over 1.88 million users have registered for the program.
What is the total loan disbursement value?
The total loan disbursement value is Rs. 164.66 billion.
How many houses are currently under construction?
53,843 houses are currently under construction.
Can I apply if I already own a plot?
Yes, the program is specifically for plot owners who need financial assistance for construction.
Is there any prepayment penalty if I pay early?
No, there is no prepayment penalty. You can pay early without any extra charges.
Trending Guide: BISP Kafaalat Program – Rs.13,500 Quarterly Payment
Must Read: Benazir Hunarmand Program 2026 – Skill Training for Women
Comparison Table – ACAG vs AZAG
| Feature | Apni Chhat Apna Ghar (ACAG) | Apni Zameen Apna Ghar (AZAG) |
|---|---|---|
| Purpose | Construction loan | Free plot |
| Loan Amount | Up to Rs. 1.5 Million | N/A (free plot) |
| Interest Rate | 0% (Interest-Free) | N/A |
| Requirement | Applicant must own plot | Landless families |
| Monthly Installment | Rs. 14,000 – 15,000 | N/A |
| Repayment Period | 9 Years | N/A |
| Official Portal | acag.punjab.gov.pk | azag.punjab.gov.pk |
| Beneficiaries | Plot owners needing construction | Landless families needing plot |
Official Details: Apni Zameen Apna Ghar Eligibility Criteria
Required Documents: Documents Required for Apni Zameen Apna Ghar Registration
Conclusion
The Apni Chhat Apna Ghar program has achieved remarkable success in 2026, with over 100,000 houses completed, 64,000+ interest-free loans disbursed, and international recognition at the World Urban Forum in Baku. The expansion to include joint families further strengthens the program’s impact on Punjab’s housing landscape.
With a target of 160,000 houses by June 2026, a 99% recovery rate, and daily construction of 600-700 houses, the program continues to transform the lives of low-income families across Punjab.
For more information or to apply, visit the official portal at acag.punjab.gov.pk or call helpline 0800-09100.
Read More: BISP Khawaja Sara Program – Transgender Support
Also Read: PSER Survey Online Registration
Join Channel