Interest-free loans of Rs 500,000 for home repair · Rs 1 million for building an extra floor · Complete eligibility, documents and apply guide in one place.
Apna Ghar Mehfooz Ghar is a new category added under Punjab’s flagship housing programme, “Apni Chhat, Apna Ghar.” The decision followed an incident in the Kahna area where a roof collapse put lives at risk. Rather than focusing on building new homes, this scheme concentrates on repairing and reinforcing existing houses. Punjab Housing Authority will oversee the programme, and registration data will be cross-checked against the provincial database.
AGMG marks a shift in approach — from building new homes to making existing ones safe to live in.
Until now, most of Punjab’s housing initiatives focused on constructing new homes or distributing free plots to homeless families. AGMG targets households that already own a home but can’t afford to make it structurally safe. This is expected to be especially useful for daily-wage families in older neighbourhoods, where homes were often built decades ago with substandard materials.
Loan Structure
Apna Ghar Mehfooz Ghar Loan Categories
The scheme offers two categories of interest-free loans, depending on the type of construction work needed at your home.
Category 1
Rs 500,000
Repair of weak roofs and structurally unsafe homes
Interest-free loan
Disbursed in installments
Linked to repair progress
Category 2
Rs 1,000,000
Construction of an additional floor
Interest-free loan
Disbursed in installments
Linked to construction progress
Who Can Apply
Eligibility Criteria
Eligibility for AGMG mirrors the parent “Apni Chhat, Apna Ghar” scheme:
Must be a permanent resident of Punjab (NADRA verified)
Must be the head of the household applying
Must own the house or the land it is built on
Property size limit: 5 marla (urban) or 10 marla (rural)
Must be registered in the National Socio-Economic Registry (NSER)
Poverty Means Test (PMT) score must be 60 or below
Eligibility for CM Punjab
Apna Ghar Mehfooz Ghar Eligibility Checker
Answer a few quick questions below to get an instant estimate of your eligibility.
Basic Details
Financial & Registry
Loan Purpose
⚠️Disclaimer: This checker estimates eligibility using criteria published for the parent “Apni Chhat, Apna Ghar” scheme, since AGMG’s own official criteria have not been separately released yet. Final eligibility will be confirmed by the Punjab Government once the official registration process begins.
Paperwork Checklist
Required Documents
CNICOriginal + copy
Mobile NumberRegistered with NADRA
Ownership ProofRegistry / Fard / Intiqal
NSER ProofRegistration certificate
Property PhotosEvidence of damage
Construction PlanRequired for extra floor category
💡
It’s a good idea to check your NSER profile before applying, since outdated or incomplete registration is a common reason applications get delayed. If you’re not yet registered with NSER, complete that step first. It’s also worth keeping a simple folder — physical or digital — with scanned copies of every document listed above, so you’re not scrambling to find paperwork once the portal opens.
Application Process
How to Apply for Apna Ghar Mehfooz Ghar Online 2026
The official portal is not live yet, but based on the parent scheme, the expected process looks like this:
1
Visit the Punjab Housing Authority’s official website
2
Select the AGMG category
3
Register using your CNIC
4
Enter your property details
5
Upload required documents
6
Submit the application
7
Data gets verified against NADRA/NSER records
8
Once approved, the loan is disbursed in installments
⚠️Note: This page will be updated as soon as the official portal goes live.
Track Your Application
How to Check Application Status
Once submitted, applicants can currently track their status through the “Apni Chhat, Apna Ghar” portal by entering their CNIC number.
Available Now
A dedicated status-check facility for AGMG is expected once the portal launches.
Coming Soon
Keep your registered mobile number active, as updates may also be sent via SMS.
Compare Schemes
AGMG vs Other Punjab Housing Schemes
Scheme
Who It’s For
Apni Chhat, Apna Ghar
Loan for building a new home
Apni Zameen, Apna Ghar
Free residential plot
Apna Ghar, Mehfooz Ghar This Scheme
Repair or extra floor for existing homes
📊
These three schemes work together as part of Punjab’s broader housing vision. Over 180,000 families have already been approved for loans under Apni Chhat Apna Ghar, while 2,000 residential plots have been distributed across 23 districts under Apni Zameen Apna Ghar.
The Bigger Picture
Why AGMG Matters
Safety
Reduces the risk of roof collapses
Affordability
Interest-free financing makes it accessible to low-income families
Housing Density
Building upward instead of buying new land saves space in urban areas
Together, these benefits make AGMG an important part of Punjab’s housing policy, while also protecting families from having to take on high-interest emergency loans. It also indirectly supports local economies, since repair and construction work creates demand for masons, laborers, and building material suppliers in the communities where it takes place.
Get Ready
Tips Before You Apply
Check your NSER registration status now, and register first if you haven’t already
Keep attested copies of ownership documents (registry/fard/intiqal) ready
Keep your registered mobile number active for SMS updates
Take clear photos of the property damage for verification
Never pay any “agent” or third party to submit your application — the process is free
Follow official Punjab Government channels and this page for the latest updates
Common Questions
FAQs
Yes, both categories — Rs 500,000 and Rs 1 million — are entirely interest-free.
5 marla for urban areas, 10 marla for rural areas.
The official portal is expected to be announced soon.
No, only residential properties qualify.
No, the programme applies across all 36 districts of Punjab, though the rollout schedule may vary by district.
Schemes like this typically allow reapplication, especially if rejection was due to documentation issues. Details will become clearer once the official portal launches.
In Summary
Final Word
Apna Ghar Mehfooz Ghar (AGMG) is a commendable step by the Punjab Government to support families living in weak and unsafe homes. Whether you need to repair a damaged roof or build an additional floor, this scheme offers completely interest-free financial assistance. We’ll keep updating this page as new information becomes available, so bookmark it and check back once the official application window opens.
This website is not the official Punjab Government portal. It is intended for informational purposes only. Please verify details through official sources before applying.
