The Punjab government has launched Apni Chhat Mehfooz Chhat, an interest-free loan scheme for homeowners who need to repair
their roofs or expand their homes. Launched on 17 July 2026 by Chief Minister Maryam Nawaz, the scheme is run by the Punjab
Mehfooz Chhat at a Glance
| Launch date | 17 July 2026 |
| Launched by | Chief Minister Maryam Nawaz |
| Run by | PHATA (Punjab Housing and Town Planning Agency) |
| Dedicated to | 14 children who died in the Kahna roof-collapse tragedy |
| Loan Category 1 | Up to Rs500,000 for roof repair or an additional room |
| Loan Category 2 | Up to Rs1,000,000 for an additional storey |
| Interest rate | 0% (interest-free) |
| Grace period | 3 months; repayment starts from the 4th month |
| Helpline | 0800-09100 |
What Is the Apni Chhat Mehfooz Chhat Scheme?
The scheme was launched on 17 July 2026 by Chief Minister Maryam Nawaz and is administered by the Punjab Housing
It is dedicated to the memory of 14 children who lost their lives in the Kahna roof-collapse tragedy, a sombre
Unlike new-construction housing loans, Mehfooz Chhat is designed for families who already own a home but need help
Two Loan Categories Compared
The scheme offers two loan categories. Category 1 provides up to Rs500,000 interest-free for roof repair, roof
The monthly instalment for Category 1 is around Rs4,700 spread over 9 years, making it manageable for low-
Category 2 provides up to Rs1,000,000 interest-free for building an additional storey or a new floor. The
The monthly instalment for Category 2 is around Rs9,300 over 9 years. Joint families may apply for this
Who Can Apply
The scheme is open to Punjab residents who already own a house. It covers repair and expansion only, not
It is not for new construction or land purchase. You must own the property where the repair or expansion
Winners of the Apni Zameen Apna Ghar free 3-marla plots may also apply for construction support under
How to Apply Online
You can apply online through the official ACAG portal. Registration requires your CNIC and an active mobile
After registration, you will receive an OTP on your mobile to verify your identity. Enter the code to
Next, submit a declaration, select your loan category, and choose a microfinance institution for loan
How to Apply In Person
If you prefer to apply in person, visit your nearest Deputy Commissioner (DC) office, Assistant Commissioner
Take your original CNIC, proof of property ownership, and recent photographs. Staff will help you complete
Repayment & Grace Period
The scheme offers a 3-month grace period. Repayment starts from the 4th month after the loan is disbursed,
The interest rate is 0%. The Punjab government pays the processing fee, so borrowers face no hidden charges.
Mehfooz Chhat vs Apna Ghar vs Apni Zameen Apna Ghar
| Scheme | Maximum benefit | Ideal for |
| Apni Chhat Mehfooz Chhat | Up to Rs1,000,000 interest-free loan | Homeowners needing roof repair or expansion |
| Apni Chhat Apna Ghar | Up to Rs1,500,000 new-construction loan | Families building a new house |
| Apni Zameen Apna Ghar | Free 3-marla residential plot | Landless families |
FAQs
Is there any interest on the loan? No. The loan is completely interest-free at 0%, with no hidden charges.
Is there a processing fee? No. The Punjab government pays the processing fee, so there are no hidden charges.
Can joint families apply? Yes. Joint families may apply for Category 2, the Rs1,000,000 loan for an additional
Can renters apply? No. The scheme is only for homeowners. It covers repair and expansion, not new
Conclusion
The Apni Chhat Mehfooz Chhat scheme offers Punjab homeowners a practical way to repair their roofs or expand their
With loans up to Rs500,000 and Rs1,000,000, a 3-month grace period, and no processing fee, it removes the financial
If you own a house in Punjab and need roof repair or an extra room