The Apni Chhat Apna Ghar (ACAG) initiative launched under Chief Minister Punjab Maryam Nawaz Sharif is designed for low-income and middle-class families who own residential land but lack construction capital. Through PHATA and the Bank of Punjab (BOP), the government provides 100% markup-free loans with transparent computerized balloting.
| Parameter | Official Rule & Requirements |
|---|---|
| Plot Size Limit | Up to 5 Marla in Urban areas, or up to 10 Marla in Rural areas across Punjab. |
| Plot Ownership | Applicant or spouse must hold registered ownership (Computerized Fard Malkiat, Registry, or approved society transfer). |
| Head of Family (NADRA) | Must be designated as Head of Family in NADRA database with valid CNIC. |
| Punjab Domicile | Must be permanent resident of Punjab. Mandi Bahauddin and Phalia residents fully eligible. |
| Credit History | No active bank defaults or criminal records in the State Bank of Pakistan e-CIB. |
You can visit AQ Business Point at Kadhar Pull, Phalia Road with your CNIC, plot fard, and electricity bill. Our team will verify your land title, create your citizen profile on acag.punjab.gov.pk, upload compressed scanned papers, and provide you with an official tracking receipt.
No! The Government of Punjab subsidizes 100% of the markup. You only repay the exact principal amount borrowed (~Rs. 14,000 per month over 7 years) directly to the Bank of Punjab without any hidden interest.
Yes! Widows, female household heads, and female landowners are encouraged to apply and receive priority scoring in the provincial balloting system.
If your plot is in a rural area (Mauza) managed under manual Patwari records, you will need a verified Fard Malkiat Baraye Tamir-e-Makan signed by the Halqa Patwari and Tehsildar, or we can assist in obtaining PLRA verification at our counter.
