The Punjab government, under the leadership of Chief Minister Maryam Nawaz Sharif, has launched the Maryam Nawaz 15 Lakh Loan Scheme 2025, a transformative initiative designed to assist low-income families in achieving homeownership. Under the Apni Chhat Apna Ghar Scheme, 70,000 families across Punjab will receive interest-free loans of up to PKR 1.5 million to construct their homes.
Key Highlights of the Loan Scheme
- Loan Amount: Up to PKR 1.5 million
- Beneficiaries: 70,000 families across Punjab
- Interest Rate: 0% (Completely interest-free)
- Repayment Period: 7 years with affordable monthly installments
- Objective: To support low-income families in home construction
This scheme aims to alleviate housing challenges, improve living standards, and support economic growth in Punjab.
Eligibility Criteria for the Maryam Nawaz Loan Scheme 2025
To qualify for the 15 Lakh Loan Scheme, applicants must meet the following conditions:
- Must be a resident of Punjab
- Must belong to a low-income or middle-income group
- Must not own a house or require financial assistance for home construction
- Must provide valid property ownership proof
If you meet these eligibility requirements, you should apply as soon as possible to take advantage of this opportunity.
How to Apply for the Maryam Nawaz 15 Lakh Loan Online?
Follow these simple steps to apply for the Apni Chhat Apna Ghar Scheme:
Step 1: Gather the Required Documents
Ensure you have the following documents:
- CNIC (National Identity Card)
- Proof of income (salary slip, business details, etc.)
- Property ownership details
- Recent passport-sized photograph
- Contact information (phone & email)
Step 2: Visit the Official Website
Go to http://acag.punjab.gov.pk to begin your application process.
Step 3: Register an Account
New users need to register by providing:
- CNIC Number
- Mobile Number
- Email Address
- Password
Step 4: Fill Out the Application Form
Enter the following details in the online form:
- Full Name
- Father’s/Husband’s Name
- CNIC Number
- Address & Property Details
- Monthly Income
Step 5: Upload the Required Documents
Attach scanned copies of:
- CNIC (front & back)
- Proof of property ownership
- Recent passport-sized photograph
Step 6: Submit Your Application
Review all details and click Submit. You will receive a confirmation message with your application number for tracking.
Loan Disbursement & Repayment Plan
The first batch of loans was disbursed on September 15, 2025, and eligible applicants started receiving funds from October 2, 2025.
- Repayment Tenure: 7 years
- Initial 3 Months: No payment required
- Monthly Installment: Approximately PKR 14,000
Key Benefits of the Interest-Free Housing Loan
The Maryam Nawaz 15 Lakh Loan Scheme 2025 provides several advantages for Punjab residents:
- Completely Interest-Free
- Unlike traditional bank loans, this scheme ensures zero interest.
- Flexible Repayment Plan
- The 7-year tenure with easy installments makes loan repayment manageable.
- Quick & Easy Online Application
- Minimal paperwork and a fast approval process ensure smooth processing.
- Financial Freedom
- Low-income families can avoid rental costs and invest in their own homes.
- Boost to the Construction Sector
- Encourages job creation and economic development in Punjab.
Why This Scheme is a Game-Changer for Punjab?
This initiative is a historic step towards financial stability and homeownership for thousands of families. Key benefits include:
- Empowering Families: Enabling people to build their own homes.
- Economic Growth: Expanding the housing and construction industry.
- Poverty Reduction: Providing long-term financial relief to low-income
Frequently Asked Questions (FAQs)
How can I apply for the Maryam Nawaz 15 Lakh Loan Scheme?
Visit http://acag.punjab.gov.pk, fill out the online form, upload required documents, and submit your application.
Who is eligible for the Apni Chhat Apna Ghar Scheme?
Residents of Punjab from low-income and middle-income groups who need financial aid for home construction.
Is this loan completely interest-free?
Yes, the loan is 100% interest-free and payable in affordable monthly installments over seven years.
When is the last date to apply?
The deadline has not been announced yet, but over 200,000 people have already applied, so apply as soon as possible.
Where can I check my application status?
You can check your application status on the official website http://acag.punjab.gov.pk by entering your CNIC number.
Final Thoughts – Apply Today!
The Maryam Nawaz 15 Lakh Loan Scheme 2025 is a golden opportunity for families in Punjab to build their homes without financial burden. If you meet the eligibility criteria, apply today at http://acag.punjab.gov.pk before the application window closes!
✅ Don’t miss out on this historic opportunity! ✅