The CM Punjab Apni Chhat Apna Ghar Scheme 2026 has emerged as one of Pakistan’s most impactful housing initiatives, aimed at making homeownership possible for low-income families through interest-free housing loans.
Launched under the leadership of Maryam Nawaz Sharif, the programme is rapidly transforming Punjab’s affordable housing landscape by combining large-scale financing, transparent execution, and strong social focus.
Major Progress Achieved So Far
Over 64,000 Interest-Free Loans Disbursed
Within just seven months, more than 64,000 families across Punjab have received interest-free housing loans under the scheme. According to official statements, the figure is expected to rise to 75,000 beneficiaries by early 2026, reflecting the pace and scale of implementation.
Thousands of Homes Completed and Under Construction
The housing initiative has already delivered 9,000 completed homes, while over 52,000 houses are currently under active construction. In total, approximately Rs. 74 billion in interest-free loans has been disbursed so far, with a reported 99.9% recovery rate, highlighting strong financial discipline.
A Programme Designed for Social Uplift
The scheme is specifically designed to support:
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Daily wage labourers
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Rickshaw drivers and small traders
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Women-led households
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Marginalised and low-income families
By prioritising these groups, the programme goes beyond construction and directly addresses housing insecurity, rent pressure, and social vulnerability.
During recent interaction ceremonies, thousands of beneficiary families shared stories of transitioning from rented or insecure housing to owning their own homes—underscoring the real, ground-level impact of the initiative.
Province-Wide Reach and Expansion Plan
Coverage Across Punjab
Unlike past housing schemes limited to major cities, this programme ensures district-wide distribution across Punjab. The initial phase focuses on 19 districts, with thousands of plots allocated through the Punjab Housing and Town Planning Agency (PHATA).
Ambitious Expansion Target
A new expansion phase aims to deliver up to 150,000 homes annually, setting a record for public-sector housing initiatives in Pakistan. Officials describe the programme as a potential national and international model for affordable housing.
Why the Apni Chhat Apna Ghar Scheme Matters
Unmatched Scale
No previous provincial housing initiative has achieved this level of outreach in such a short time.
Economic Impact
Beyond housing, the scheme stimulates:
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Construction-sector employment
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Local material supply chains
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Small business activity
Operational Strength
A one-window system, automated selection, and institutional oversight have helped ensure transparency, speed, and accountability.
Key Statistics at a Glance
| Category | Current Status |
|---|---|
| Loans Disbursed | 64,000+ |
| Target Beneficiaries | 75,000+ |
| Homes Completed | 9,000 |
| Homes Under Construction | 52,000+ |
| Funds Disbursed | Rs. 74 billion |
| Loan Recovery Rate | 99.9% |
| Expansion Goal | 150,000 homes per year |
Final Assessment
The CM Punjab Apni Chhat Apna Ghar Scheme 2026 represents a structural shift in affordable housing policy. By offering interest-free loans, transparent selection, and province-wide access, the programme is not merely building houses—it is restoring dignity, financial stability, and long-term security for tens of thousands of families.
As expansion continues, the scheme is set to become a cornerstone of Punjab’s social welfare framework and a benchmark for future housing initiatives across Pakistan.
Frequently Asked Questions
How many loans have been issued so far?
More than 64,000 interest-free loans have already been disbursed.
How many homes are completed?
Around 9,000 homes are completed, with over 52,000 under construction.
Is the scheme limited to Lahore?
No, it covers districts across Punjab.
What is the loan recovery rate?
The programme maintains a recovery rate of approximately 99.9%.
Who is prioritised in the scheme?
Low-income families, labourers, women, and marginalised groups.
