Apni Chhat Mehfooz Chhat Scheme 2026: 3,055 Families Get Rs 1.21 Billion Loans

The Apni Chhat Mehfooz Chhat scheme has completed its application process, and the numbers show real progress on the ground. Loans worth Rs 1.216 billion have been disbursed to 3,055 applicants, while construction and expansion work on 532 houses has been completed. The figures were shared at a special review meeting chaired by Chief Minister Maryam Nawaz Sharif on 3 November 2026. This article explains what Mehfooz Chhat is, what the latest figures mean, and how it fits into Punjab’s wider housing programme.

What Is the Mehfooz Chhat Scheme?

• Safe roof support: Mehfooz Chhat is the part of Punjab’s housing programme that helps poor and homeless families build or expand a safe house.
• Interest-free loans: The support is given as interest-free loans, in line with the wider Apni Chhat, Apna Ghar model.
• Construction and expansion: The loans cover both building a new house and expanding an existing one, according to the review meeting briefing.
• Applications closed: The application process for Mehfooz Chhat has been completed, so no new applications are being taken under this part right now.
• Part of a bigger programme: Mehfooz Chhat runs alongside the main Apni Chhat, Apna Ghar scheme, which serves a much larger number of families.
• Transparent model praised: The programme’s transparent, interest-free lending model has been recognised by international institutions, according to the official handout.

Latest Figures: 3,055 Families, Rs 1.21 Billion

• Loans disbursed: Loans worth Rs 1.216 billion have been disbursed to 3,055 applicants under Mehfooz Chhat.
• 532 houses done: Construction and expansion work on 532 houses has been completed under the initiative.
• Meeting date: The figures were presented at the special review meeting chaired by the Chief Minister on 3 November 2026.
• Average loan size: The figures work out to an average of about Rs 398,000 per applicant, which fits small house construction and expansion work.
• Not new applications: These are loans already given to applicants whose process is complete, not a fresh round of applications.
• Progress tracked: The Chief Minister directed officials to ensure timely completion of targets under the housing project.

How the Main Housing Scheme Is Doing

• 1.7 million registrations: More than 1.7 million people have registered on the Apni Chhat, Apna Ghar portal since the launch.
• 225,000 loans given: Over 225,000 loans have been disbursed under the main scheme so far.
• 128,718 houses completed: Construction of 128,718 houses has been completed under the main programme.
• 62,600 near completion: Another 62,600 houses are rapidly nearing completion, according to the meeting briefing.
• Second instalments paid: A total of 171,597 beneficiaries have received the second instalment of their loans.
• 97.6 percent recovery: The loan recovery rate stands at 97.6 percent, with Rs 22.29 billion recovered in instalments from beneficiaries.

Fresh Applications Approved for the Main Scheme

• New round approved: The review meeting approved inviting fresh applications under the main Apni Chhat, Apna Ghar scheme.
• Separate from Mehfooz Chhat: The fresh applications are for the main scheme, not for Mehfooz Chhat, whose process is already complete.
• Wait for the schedule: The schedule and eligibility details for the new round had not been announced at the time of the meeting.
• Apply only officially: When applications open, apply only through the official portal and never through agents or unofficial numbers.
• Helpline available: The scheme’s helpline 0800-09100 gives free support, complaints handling and fraud alerts for applicants.
• Check status online: Applicants can check their application status online by CNIC on the official portal.

What Beneficiaries Should Remember

• Keep your record: Keep your loan documents, instalment receipts and construction photos safe for future verification.
• Pay instalments on time: The 97.6 percent recovery rate shows most families pay on schedule, which keeps the scheme running for others.
• Report fraud: If anyone asks for money to approve your loan or speed up your application, report it on the helpline 0800-09100.
• Second instalment rules: Second instalments are released after verification of construction progress, so complete the work in stages.
• Use the official portal: All genuine updates come through the official portal; social media lists and WhatsApp forwards are not official.
• Watch for announcements: Fresh application dates for the main scheme will be announced through official Punjab government channels.

Contact and Helpline Details

Conclusion

Apni Chhat, Mehfooz Chhat has delivered concrete results: Rs 1.216 billion in loans to 3,055 applicants and 532 houses built or expanded, with the application process now complete. Around it, the main Apni Chhat, Apna Ghar scheme has passed 225,000 loans and 128,718 completed houses, with fresh applications approved. Families waiting for the next round should watch official announcements and apply only through the official portal.

FAQs

How many families got loans under Mehfooz Chhat? Loans worth Rs 1.216 billion were disbursed to 3,055 applicants, and construction and expansion work on 532 houses was completed.

Can I still apply for Mehfooz Chhat? No. The application process for Mehfooz Chhat has been completed. Fresh applications approved at the review meeting are for the main Apni Chhat, Apna Ghar scheme.

How many loans has Apni Chhat, Apna Ghar given so far? More than 225,000 loans have been disbursed, with 128,718 houses completed and over 1.7 million people registered on the portal.

What is the Apni Chhat helpline number? The helpline is 0800-09100, which offers free support, complaints handling and fraud alerts.

Where do I apply for Apni Chhat, Apna Ghar? Apply only through the official portal, acag.punjab.gov.pk, and check your application status online by CNIC.