Maryam Nawaz 15 lakh Loan Scheme
Maryam Nawaz 15 Lakh Loan Scheme 2026 offers an interest-free housing loan of Rs 1,500,000 under the Apni Chhat Apna Ghar program for deserving families in Punjab. Eligible applicants who do not own a house but have 5 marla urban or 10 marla rural land can apply online at acag.punjab.gov.pk.
The loan is repayable over seven years in easy monthly installments of around Rs 14,000, with the first three months waived. PMT score is not required, but PSER survey completion is necessary. Shortlisted candidates receive SMS alerts before disbursement, ensuring transparency and secure processing.
What Is the 15 Lakh Loan Scheme?
This housing initiative is designed for low-income families in Punjab who:
- Do not own a house
- Have land but lack construction funds
- Want to build a small, secure home
Instead of distributing plots, the government is providing financial power directly to families — so they can build with dignity.
Quick Info Table
| Detail | Information |
|---|---|
| Scheme Name | 15 lakh Loan Scheme |
| Loan Amount | Rs 1,500,000 |
| Interest | 0% (Interest-Free) |
| Repayment Period | 7 Years |
| Monthly Installment | Approx. Rs 14,000 |
| First 3 Months | Installments Waived |
| Province | Punjab |
| Apply Online | acag.punjab.gov.pk |
Latest Update – Phase Two Verification Accelerated
Authorities have been directed to speed up verification. A dedicated tracking system and helpline are now active. Shortlisted applicants will receive official SMS alerts before loan disbursement.
If you recently applied, keep your registered mobile number active.
Who Can Apply for 15 lakh Loan Scheme?
To qualify, you must:
- Be a permanent resident of Punjab
- Be 18 years or older
- Be married
- Not already own a house
- Own 5 marla urban land OR 10 marla rural land
- Have completed the PSER survey
📢 Important: PMT score is no longer required for this scheme.
Loan Features That Matter
Here’s why this scheme is different:
- Completely interest-free
- 7-year easy repayment plan
- Around Rs 14,000 monthly installment
- First three installments waived
- Transparent digital tracking system
For a laborer or small shopkeeper, this installment is manageable compared to renting for years.
15 lakh Loan Scheme Apply Online
The process is fully digital.
Follow these steps:
- Visit acag.punjab.gov.pk
- Click on Registration
- Enter CNIC & mobile number
- Provide spouse/father details
- Add property and employment information
- Upload CNIC front/back & photo
- Accept terms and submit
After submission, your data goes into verification. You will receive an SMS update about eligibility.
Documents Required
Keep these ready before applying:
- Valid CNIC (front & back copy)
- Passport size photo
- Property ownership proof
- PSER survey completion proof
- Active mobile number registered on your CNIC
Incorrect or false data may lead to rejection.
Real Impact – Why This Scheme Matters
Imagine paying rent for years without ownership.
Now imagine paying similar monthly installments — but building your own home.
For many families:
- It means security
- It means stability
- It means children growing up under their own roof
The target is to support 70,000 families across Punjab.
When Will Loans Be Given?
Eligible applicants from earlier phases are being processed first. New applicants may fall under phase two depending on verification timeline.
SMS alerts will be sent before disbursement.
Final Words
The Maryam Nawaz 15 Lakh Loan Scheme is not just a housing policy — it’s a long-term stability plan for low-income families.
If you meet the eligibility criteria, apply online today. Keep your documents ready and your mobile active. Because sometimes, the difference between rent and ownership is just one approved application away.
