The Punjab government’s flagship housing program is the Apni Chhat Apna Ghar scheme, targeting 125,000 homes — more than 126,000 homes completed and 61,000 under construction, with Rs 289.8 billion disbursed to over 219,000 families.
On 22 October 2026, Punjab Housing Minister Bilal Yasin said the Punjab government has approved over 224,000 cases for interest-free housing loans under the Apni Chhat Apna Ghar programme. Divisional breakdown: Sargodha 29,658; Rawalpindi 26,903; Dera Ghazi Khan 26,878; Gujranwala 26,165; Lahore 25,468; Faisalabad 25,402; Bahawalpur 21,804; and Sahiwal 13,584. The minister, speaking to beneficiaries in Bahawalpur, Sahiwal and Sargodha over the phone, also directed officials to contact beneficiary families directly for feedback to strengthen transparency and merit (reported by Business Recorder on 23 October 2026).
Eligible applicants get an interest-free loan to build on their own plot — the loan terms and installment plan are set by the Punjab government. Landless citizens are allotted 3-marla plots under the Apni Zameen Apna Ghar component. For help, call the program helpline 0800-09100.
The scheme won the UN-Habitat Scroll of Honour in 2026, and the latest program stats were shared at the 22 October 2026 review meeting chaired by Secretary Housing Noor-ul-Amin Mengal. Key figures: Rs 289.8 billion disbursed to 219,000+ families; 126,000+ houses completed and 61,000 under construction; second installment issued to 169,000+ families; Rs 22.15 billion recovered and being reinvested; 2.462 million portal registrations and 1.54 million+ applications.
Also read:
- Apply online for the Apni Chhat Apna Ghar scheme
- Eligibility for Apni Chhat Apna Ghar scheme
- CM Apni Chhat Apna Ghar