Maryam Nawaz 15 Lakh Loan 2026: Complete Registration Process & Eligibility Guide
As of February 2026, the Apni Chhat Apna Ghar (ACAG) initiative is actively underway across Punjab under the leadership of Maryam Nawaz. The scheme is designed to support low-income families who already own small residential plots but lack the financial resources to begin construction.
The program offers a Rs. 1.5 million (15 lakh) interest-free loan, making it one of the most ambitious housing support initiatives in Punjab’s recent history.
This detailed guide covers eligibility criteria, online application steps, repayment structure, verification process, and how to check your application status.
What Is the Maryam Nawaz Loan Scheme 2026?
The Maryam Nawaz Loan Scheme 2026, officially branded as Apni Chhat Apna Ghar, is a government-backed housing loan program that provides:
- Interest-free financing
- Structured repayment over seven years
- Digital application and verification system
- Transparent disbursement in construction stages
The scheme specifically targets individuals who:
- Own a small residential plot
- Fall within lower-income brackets
- Cannot arrange construction funds independently
Loan Features & Financial Structure
Loan Amount
- Fixed at Rs. 1,500,000 (15 lakh)
Interest Rate
- 0% interest
- The Punjab government covers the markup entirely
Repayment Period
- 7 years (84 months)
Monthly Installment
- Approximately Rs. 14,000 per month
Grace Period
- First three installments waived
- Repayment begins after construction progresses
This structure ensures families can start building without immediate financial pressure.
Eligibility Criteria – 2026 Phase
To qualify for the Maryam Nawaz 15 lakh loan scheme, applicants must:
- Be a permanent resident of Punjab
- Possess a valid CNIC
- Own a small residential plot in their name
- Fall within defined income thresholds
- Not be a defaulter of any government-backed financial program
Plot ownership verification is a central requirement for approval.
Maryam Nawaz 15 Lakh Loan Scheme Online Apply – Step-by-Step Process
The application process is fully digital to ensure transparency and minimize human interference.
Step 1: Visit the Official Portal
Go to the Apni Chhat Apna Ghar online portal.
Step 2: Create an Account
Click “Register” and enter:
- CNIC number
- Mobile number (registered on your CNIC)
- Email address
Step 3: Login
Use your CNIC and password to access your dashboard.
Step 4: Fill the Application Form
Provide:
- Personal details
- Household information
- Plot details (location, size, ownership proof)
Step 5: Upload Required Documents
Upload clear scanned copies or photos of:
- CNIC (front and back)
- Passport-size photograph
- Proof of land ownership (Fard, Registry, Allotment Letter)
Step 6: Submit Application
Review all details carefully and click submit.
You will receive an application tracking number via SMS.
Maryam Nawaz Loan Scheme Check Status
To check your application status:
- Log in to the official ACAG portal
- Enter your CNIC
- Navigate to the “Application Status” section
The portal will show whether your application is:
- Under review
- Verified
- Approved
- Rejected (with reason)
SMS updates may also be sent during each stage.
Verification & Approval Process
After submission, applications undergo multiple verification layers:
NADRA Verification
Identity and family data are cross-checked.
Land Record Authority Verification
Ownership of the plot is verified through official land records.
Physical Inspection
A field team may visit the site to confirm the plot exists and matches the submitted details.
Disbursement in Tranches
Funds are released in stages:
- Foundation stage
- Structure stage
- Finishing stage
This ensures funds are used strictly for construction purposes.
Maryam Nawaz Loan Scheme 150,000 – Clarification
Some online searches refer to “Maryam Nawaz loan scheme 150,000.”
The official housing initiative provides Rs. 1,500,000 (15 lakh) for home construction. Smaller financial support programs may exist separately, but ACAG’s standard housing loan is fixed at 15 lakh.
Maryam Nawaz Loan Scheme 2026 Last Date to Apply
As of February 2026, the scheme operates in phases.
No permanent closing date has been announced publicly. However:
- Applications may close once district quotas are filled.
- Early submission is recommended.
Always rely on official portal updates for deadline announcements.
Offline Assistance Options
If you cannot apply online:
- Visit your nearest e-Khidmat Markaz in Punjab
- Call the official helpline: 0800-09100
Staff can assist with registration and document uploads.
Key Benefits of the ACAG Scheme
- No interest burden
- Government-backed transparent system
- Structured repayment
- Grace period for construction start
- Secure digital verification
The scheme aims to promote home ownership among lower-income families while reducing reliance on informal borrowing.
Final Summary
- Scheme Name: Apni Chhat Apna Ghar (ACAG)
- Loan Amount: Rs. 1.5 million
- Interest Rate: 0%
- Repayment: 7 years
- Installment: Approx. Rs. 14,000/month
- Grace Period: 3 months
- Application Mode: Online via official portal
