Apni Chhat Apna Ghar Program Latest Update
The Punjab government has taken another bold step to support low-income families in building their own homes under the Apni Chhat Apna Ghar Program. A major agreement has been signed between the Bank of Punjab (BOP) and the Punjab Housing Department to provide interest-free housing loans to thousands of applicants across the province. This partnership marks a new milestone in the government’s efforts to ensure shelter for every deserving family in Punjab.
Under this program, loans worth Rs 60 billion have been given to 52,000 people so far, from whose monthly installments the government has also recovered Rs 900 million. Another Rs 10 billion in loans will be distributed next month, which is a golden opportunity for those who could not benefit so far. Bank of Punjab will take over the financial responsibility of all loans so that the process is transparent, easy and fast.
The Chief Minister of Punjab has also approved the proposals of microfinance institutions to achieve the 2025 goals so that the applications can be processed immediately. If you are also dreaming of building your own house, then take advantage of this opportunity. For complete details, application process, and loan repayment procedures, be sure to read this article in its entirety because your home is now your right.
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What is the Apni Chhat Apna Ghar Program?
The Apni Chhat Apna Ghar (Your Roof, Your Home) program is a public welfare initiative launched by the Government of Punjab. It aims to provide interest-free loans to citizens who want to build or improve their houses but lack the financial resources to do so. With this scheme, the government is ensuring that even the poorest segments of society can fulfill their dream of owning a home.
Punjab Govt & Bank of Punjab Sign Housing Loan Agreement
To implement this vision, a formal Memorandum of Understanding (MoU) was signed between the Bank of Punjab (BOP) and the Punjab Housing Department. The signing ceremony was attended by Punjab Housing Minister Bilal Yasin and BOP President Zafar Masud. Key figures such as DG PHATA Sikandar Zeeshan and BOP’s Umar Khan also participated in finalizing the agreement.
This MoU confirms that the Bank of Punjab will take full responsibility for financing the interest-free loans under this housing scheme.
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BOP to Handle All Loan Financing
The Punjab government has officially assigned the Bank of Punjab to manage and distribute the loans for housing construction. The bank will ensure smooth processing and disbursement of funds to eligible applicants, making the loan system more transparent, fast, and accessible for ordinary citizens.
CM Punjab Approves MFI Suggestions for 2025 Targets
To make sure the project runs efficiently and targets are met on time, Chief Minister Punjab has approved proposals from various Microfinance Institutions (MFIs). These proposals are expected to help the government complete its annual housing targets by ensuring faster application processing and broader outreach.
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Progress So Far: Rs. 60 Billion in Loans Already Distributed
The program has already made a huge impact. According to Punjab Housing Minister Bilal Yasin, more than 52,000 individuals have received Rs. 60 billion in interest-free loans. This clearly shows the trust people have in the scheme and its growing success across the province.
Monthly Recovery & Next Phase: Rs. 10 Billion More Coming
So far, the government has recovered Rs. 900 million through monthly installments. This recovered amount proves that people are paying back their loans responsibly. Encouraged by this success, the government has announced that Rs. 10 billion more will be disbursed among new applicants by next month.
This is a golden opportunity for families who missed earlier phases to apply now and benefit from the next round of interest-free loans.
A Major Step Toward Affordable Housing in Punjab
The Apni Chhat Apna Ghar Program is not just about loans it’s about empowering families, reducing homelessness, and strengthening the housing economy. By ensuring interest-free loans with a trusted bank partner, the Punjab government is giving thousands of families the hope of living under their own roof.
This initiative plays a key role in reducing the urban housing gap in Pakistan and promoting a culture of responsible lending and borrowing for long-term economic stability.
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Final Thoughts
If you’re a resident of Punjab and dream of building your own home, now is the time to act. With the government’s support and Bank of Punjab’s partnership, the Apni Chhat Apna Ghar scheme can help you turn that dream into reality without any interest or heavy financial burden.
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