Maryam Nawaz 15 Lakh Loan Scheme 2025
Maryam Nawaz 15 Lakh Loan Scheme 2025: The Punjab Government under Chief Minister Maryam Nawaz Sharif has introduced the 15 Lakh Loan Scheme 2025 as part of the Apni Chhat Apna Ghar Program. This initiative is specially designed for low-income families who cannot afford to construct their own homes despite owning land. The scheme provides interest-free loans of up to 1.5 million rupees to eligible families, giving them the opportunity to build safe and secure housing without the burden of commercial bank interest.
Through this program, around 70,000 households will benefit in the first phase, while Phase 2 has been launched to support those who could not qualify earlier. The loan is repayable in 7 years through easy monthly installments, and the first three installments are waived off to ease the financial burden.
Key Features of the 15 Lakh Loan Scheme
The Maryam Nawaz Loan Scheme 2025 stands out because it directly targets families who are financially weak yet own land. By offering easy terms and interest-free repayments, the government aims to empower families to live with dignity.
- Loan amount up to 1.5 million rupees for house construction.
- Zero interest rate – repay only the principal amount.
- 7-year repayment plan with affordable installments.
- First 3 installments waived, so families can begin construction without immediate pressure.
- Around 70,000 families to be supported
- Special focus on low-income residents of Punjab.
This program is not just financial support but also a step toward solving housing insecurity for thousands of families in Punjab.
Eligibility Criteria for Applicants
To ensure transparency and fairness, the Punjab Government has set clear eligibility conditions. Only deserving and needy families will qualify for the loan under this scheme.
Families Eligible for the Loan:
- Permanent residents of Punjab with valid CNIC.
- Owning at least 5 marla land in urban areas or 10 marla in rural areas.
- Household with income below 50,000 rupees per month.
- PMT score less than 34%.
- No previous loan default history with banks.
Families Not Eligible:
- Those already owning a house.
- Applicants without any land ownership.
- Families with high income, government jobs, or registered businesses.
- Applicants providing fake or incomplete documents.
These rules are designed to make sure the scheme benefits families who truly need a permanent home.
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Required Documents for Registration
To apply successfully, applicants must provide genuine documents during the online registration process. Missing or false documents may lead to rejection.
- CNIC of applicant (and spouse or father’s CNIC if applicable).
- Property ownership papers (land registry, allotment letter).
- Income certificate or salary slip.
- Household utility bills (electricity, gas, mobile).
- Passport-size photograph.
- Active mobile number and email address.
- Affidavit stating the applicant does not own a house.
By keeping these documents ready, applicants can avoid delays in the approval process.
Step-by-Step Registration Process
The online application process has been made user-friendly through the official ACAG portal. Eligible applicants can complete the registration from home by following these steps:
- Visit the official portal: acag.punjab.gov.pk.
- Create an account using CNIC, mobile number, and a secure password.
- Enter personal details including name, father/husband’s CNIC, and gender.
- Select division, district, tehsil, and city information.
- Provide income details and upload required documents.
- Review all information carefully before submitting.
- Accept terms and conditions and click on Submit Application.
Once submitted, the government will verify the details, and approved applicants will receive confirmation through the portal and SMS updates.
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Loan Repayment Plan
The repayment structure of the Maryam Nawaz Loan Scheme is designed to ease financial stress on low-income families. Beneficiaries are only required to return the loan in small monthly installments.
- Total Loan Amount: 1.5 million rupees.
- Monthly Installment: 14,000 rupees.
- Repayment Period: 7 years (84 months).
- First 3 Installments: Waived off.
This structure allows families to begin construction without the immediate worry of repayments. The waived installments also give households a breathing space to stabilize financially.
How to Check Application Status
After completing the registration, applicants can easily track their application status online. This helps families stay updated without visiting government offices.
- Go to the ACAG portal login page.
- Enter CNIC and password created during registration.
- Complete CAPTCHA verification.
- Log in to your dashboard to see updates on verification and approval.
The portal provides real-time progress, ensuring applicants know whether their loan has been approved, is under review, or requires additional documents.
Final Thoughts
The Maryam Nawaz 15 Lakh Loan Scheme 2025 under the Apni Chhat Apna Ghar Program is a landmark effort to reduce housing insecurity in Punjab. With interest-free loans, a 7-year repayment plan, and waived installments, the scheme gives struggling families a real chance to build their own homes.
By applying through the ACAG online portal, eligible families can secure financial assistance without long queues or middlemen. If you meet the eligibility criteria and have the required documents ready, this program could be the turning point toward a better and more secure future.
Also Read: Prime Minister Loan Scheme 2025 Full Process To Apply And Get Approval
FAQs
What is the Maryam Nawaz 15 Lakh Loan Scheme 2025?
It is an interest-free housing loan program under the Apni Chhat Apna Ghar initiative, offering up to 1.5 million rupees for home construction in Punjab.
Who can apply for the scheme?
Permanent residents of Punjab with low income, valid CNIC, and land ownership of 5 marla urban or 10 marla rural can apply.
How long is the repayment period?
The loan must be repaid in 7 years with monthly installments of 14,000 rupees, while the first three installments are waived.
Where can applicants register?
Applicants can register online at the official portal acag.punjab.gov.pk by submitting personal details and required documents.
What documents are necessary to apply?
Applicants need CNIC, land ownership papers, income proof, utility bills, and a passport-size photo for verification.