Punjab families already owning a small house can repair a roof or add a floor through Mehfooz Chhat. Launched on 17 July 2026 and run through the Apni Chhat Apna Ghar portal, the scheme serves existing small-house owners rather than new-plot builders.
Launch context carries weight. Mehfooz Chhat launched in memory of 14 children killed in a Kahna roof-collapse tragedy, with safe roofs as the core purpose. Applicants should read the scheme in that light: roof safety and room addition for families already housed, not fresh construction on empty plots.
Mehfooz Chhat Loan Details at a Glance
| Item | Detail |
|---|---|
| Roof repair or room loan | Up to Rs500,000 |
| Additional floor loan | Up to Rs1,000,000 |
| Markup | 0%, interest-free |
| Repayment period | 9 years |
| Monthly installment, Rs500,000 loan | Around Rs4,700 |
| Monthly installment, Rs1,000,000 loan | Around Rs9,300 |
| Portal | acag.punjab.gov.pk |
Installment figures come from the July 2026 launch notice. Applicants should confirm live installments on the portal before committing, since launch figures may adjust with later notices.
Who Can Apply
- Existing small-house owners in Punjab.
- Applicants following Apni Chhat Apna Ghar eligibility rules, adapted for repair and addition cases.
- Families needing roof repair, a room, or an additional floor.
New-plot builders do not fit this scheme. Families owning a plot but no house fit the construction loan route instead, while landless families fit the free plot route.
How to Apply
- Open acag.punjab.gov.pk and register with CNIC and a mobile number in the applicant’s own name, verified by OTP.
- Choose “Addition of New Floor/Room” or the Mehfooz Chhat option on the portal.
- Enter house and personal details carefully.
- Wait for verification, followed by disbursement.
Help stands available at Deputy Commissioner, Assistant Commissioner and PHATA offices, and helpline 0800-09100 covers queries.
Roof Repair or Extra Floor: Which Fits
Roof repair fits families whose existing roof risks safety or leaks, with up to Rs500,000 covering repair or a room. An additional floor fits families needing more living space on the same plot, with up to Rs1,000,000 covering the new floor. Applicants should pick the option matching their actual need, since loan size and purpose tie together.
Planning should match the 9-year repayment rhythm. Monthly installments near Rs4,700 for the smaller loan and near Rs9,300 for the larger loan run across 9 years, so families should weigh the monthly figure against household income before choosing the larger option.
Total Repayment Picture
Interest-free terms keep total repayment close to principal. Monthly installments near Rs4,700 across 9 years land near the Rs500,000 principal, while installments near Rs9,300 across 9 years land near the Rs1,000,000 principal, with launch figures marked as approximate. Families should confirm live installments on the portal, since approximate launch figures may adjust with later notices.
How Mehfooz Chhat Differs From the Other Housing Routes
Three housing routes serve three situations. Apni Zameen Apna Ghar gives free land to landless families. Apni Chhat Apna Ghar gives interest-free construction loans to families already owning a plot. Mehfooz Chhat gives interest-free repair and addition loans to families already owning a small house.
Applicants should pick the route matching their current position. Existing small-house owners fit the repair route, while plot owners fit the construction loan route and landless families fit the free plot route first.
What the Portal Asks
Portal steps follow the Apni Chhat pattern, with the Mehfooz Chhat option added. Registration needs a CNIC and a mobile number in the applicant’s own name, verified by OTP. House details and personal details follow, with the applicant choosing “Addition of New Floor/Room” or the Mehfooz Chhat option on the portal. Verification follows submission, with disbursement after approval.
Applicants should keep house ownership papers ready before registering. Verification runs against house and identity records, so mismatched details stall the process in the same way as any housing application.
Frequently asked questions
Up to Rs500,000 stands available for roof repair or a room, while up to Rs1,000,000 stands available for an additional floor.
Yes. Both loan options carry 0% markup.
Around Rs4,700 per month applies for the Rs500,000 loan, while around Rs9,300 per month applies for the Rs1,000,000 loan, over 9 years per the July 2026 launch notice.
New-plot builders do not fit this scheme. Families owning a plot but no house fit the construction loan route instead.
Applications run through acag.punjab.gov.pk, choosing the addition or Mehfooz Chhat option on the portal.
Existing small-house owners should match their need to the right option before applying. Roof safety fits the smaller loan, added living space fits the larger loan, and both routes run interest-free through the same portal as the construction loan programme.
