CM Maryam Nawaz — Apna Ghar Mehfooz Ghar Programme 2026, Eligibility, Rite of Interest-free Pre repaired Roof and Floor Construction Eligibility Documents.
Punjab Chief Minister Maryam Nawaz Sharif has approved another housing-safety initiative called Apna Ghar Mehfooz Ghar (also known as Apni Chhat, Mehfooz Chhat). This programme, unlike the province’s flagship Apni Chhat Apna Ghar (ACAG) scheme that assists eligible landowners in building a house from scratch, is for families already living at home but under a “fragile”, “unfit” or otherwise unsafe roof. Here’s a full breakdown of what the scheme contains, why it was created and who is eligible, as well as how to apply – all updated for 2023.
What Is the Apna Ghar Mehfooz Ghar Programme?
Apna Ghar Mehfooz Ghar is a Punjab government program for giving interest free loans to low-income families residing in structurally unsafe residences. On July 8, 2026 in a review meeting held at Lahore and approved by CM Maryam Nawaz while its digital application category was launched from July 17, 2026 on official ACAG portal.
Apart from this, there are two different kinds of help under the scheme.
| Purpose | Loan Amount | Interest Rate |
|---|---|---|
| Repairing or strengthening a weak/unsafe roof | Up to Rs. 500,000 | 0% (interest-free) |
| Building an additional storey or extra rooms | Up to Rs. 1,000,000 | 0% (interest-free) |
Loans are paid out in simple, previse installments (not as a single lump sum) and repayment is expected to follow the easy-installment structure applied towards the main ACAG loans, reportedly over multiple years.
Why Was the Scheme Launched?
The programme was launched in direct response to the roof collapse disaster at a weak structure in the Kahna locality of Lahore where 14 children lost their lives. The episode underlined how a large number of homes in Punjab — especially in low-earnings households – have vintage, negative and badly maintained roofs that constittute a real protection hazard during monsoon rains and windstorms.
Long before any more accidents happened, the Punjab state government moved to establish a special fund for families so they did not have to continue living in dangerous houses just because they could not afford the repairs.
How Apna Ghar Mehfooz Ghar Differs from Apni Chhat Apna Ghar (ACAG)
This scheme should not be confused with the central housing programme:
- Apni Chhat Apna Ghar (ACAG): For families that own report but do not help a development loan of up to Rs. 1,500,000.
- Apna Ghar Mehfooz Ghar: For families whose house needs repairing or expanding as its structural condition is unsafe.
Both schemes are supported by the Punjab Housing & Town Planning Agency (PHATA) but have different purposes and are therefore treated as separate loan types under a broad eligibility framework;
Eligibility Criteria
However, since Mehfooz Ghar is operated under the current ACAG framework, the government announced that they will generally apply existing eligibility rules. Under the official criteria of the main scheme, applicants are anticipated to want:
- Citizen of Pakistan with a valid CNIC
- Residency in Punjab province
- For the repair/floor-addition category, proof of home ownership
- Registration or Verification through NSER (NATIONAL SOCIO ECONOMIC REGISTR)
- A qualifying Proxy Means Test (PMT) score indicating being from an economic poor household
- Validator of name and property through NADRA
Due to the fact that Mehfooz Ghar is a newly announced category, eligibility details at the scheme level — like exact PMT thresholds or confirmation of documentation for proving ‘unsafe roof’ status — are still being finalised. Before applying, candidates are some to check the latest requirements on the official portal from time to time.
Documents You May Need
The official document requirements for this category are still being defined and will not entirely be based on the key ACAG scheme, however in accordance with that pattern you should have following ready.
The original CNIC of the owner (of the applicant and co-owner, if any)
- Proof of home/property ownership
- Proof of registration into NSER, or record of being registered in the Ehsaas/BISP survey
- Utility bill or other document that proves your address
- Photographs evidencing the roof/structure damage or unsafety
- An active mobile number that belongs to you (for OTP verification)
How to Apply for Apna Ghar Mehfooz Ghar (Step-by-Step)
- official portalVisit the government’s official portal for ACAG at acag. punjab. gov.pk. Avoid unofficial third-party websites or agents
- Register with CNIC: Sign up using your CNIC number and an active phone number.
- Choose category (Mehfooz Ghar): Once the independent class is fully functional, choose between roof-repair loan or extra-storying mortgage
- Complete property and household details: Provide all true information of the condition of your home, your ownership status and income in your household.
- Upload necessary documents: Your CNIC, proof of ownership, NSER information and images of the damage.
- Verify Application: Applications will be verified from NADRA, NSER and land records before approval.
- Check your status: Re-enter the portal with your CNIC and password after a few days in order to find out if your application has been accepted, is still under review or requires modifications.
Important: As this is a very recently launched category, some steps may still be rolling out. Always verify the latest process on the official portal rather than relying solely on third-party guides, and never share your CNIC, OTP, or payment details with anyone claiming to “process” your application for a fee — the scheme is completely free to apply for.
Frequently Asked Questions (FAQs)
Q.1 Apna Ghar Mehfooz Ghar programme was launched by? The plan was approved on July 8, 2022 by Punjab Chief Minister Maryam Nawaz Sharif after a deadly collapse of an internal space roof in Lahore’s Kahna locality.
Q2: Maximum loan amount you can avail under this scheme Interest-free loans up to Rs. 500,000 for roof repair or up to Rs. 1 million for constructing an additional floor or rooms —
Question 3: Is this Apni Chhat Apna Ghar? No, ACAG is for a new home on owned land. Mehfooz Ghar, repairs or builds upon an already existing insecure home. They operate within the same government structure but are different types of loans.
Q4: Where do I apply? Found on the official Punjab housing portal at acag. punjab. Once the Mehfooz Ghar category is live in your district, you can manage it via gov.pk.
Q5: Is the scheme help avail for Whole Punjab? Yes, it is designed as a province-wide initiative, similar to the main ACAG programme.
Q6: Can both the repair loan and the floor-construction loan be availed? Currently, the two are still considered different loan types. It has yet to be confirmed whether official guidance on both being in your household will combine — contact the helpline for specific query.
Q7: Is there a fee to apply? Is this chargeable? No, applying through the official government portal is completely free. Stay away from anyone asking for money, your CNIC and OTP codes apart from the official website.
Final Word
Apna Ghar Mehfooz Ghar is a newly launched scheme covering the Punjab landscape specifically designed to prevent tragedies caused by unsafe housing. If your home has a poorly-performing roof or you need additional living space through vertical construction, this is interest-free loan scheme that you should apply for once your local government area becomes active. Always take it from the official acag website. punjab. As scheme details are yet to be finalized and unofficial websites may carry outdated or misleading information about the scheme, applicants are advised to combine their data with the official seek help from the official govern.pk portal for registration, updates and status of applications.