"Maryam Nawaz loan scheme 2026" is not one scheme. It is the name people use for several interest-free Punjab government loans started by CM Maryam Nawaz. For a house, the main one is Apni Chhat Apna Ghar: up to Rs1.5 million (15 lakh), applied for online at acag.punjab.gov.pk, and still accepting applications in October 2026. For business, Asaan Karobar Finance (Rs1m to Rs30m) is open, but new Asaan Karobar Card registrations have been stopped. The Rs150,000 figure is the original Kissan Card limit for farmers. See our Asaan Karobar loan scheme guide for the business loans.
This guide covers every Maryam Nawaz loan scheme in 2026 that we could confirm on an official portal or in major news. Housing loans come first, then business, farming, livestock and overseas-job loans. For each one you get the amount, interest, tenure (muddat), who qualifies, the official website, the helpline and the status as of 15 October 2026.
| Detail | Information |
|---|---|
| Who runs these schemes | Government of Punjab (CM Maryam Nawaz), mostly through the Bank of Punjab |
| Interest (sood) | 0% for the borrower in every scheme below |
| Biggest housing loan | Rs1.5 million (Apni Chhat Apna Ghar) |
| Biggest business loan | Rs30 million (Asaan Karobar Finance, Tier 2) |
| Who can apply | Punjab residents with a valid CNIC; each scheme adds its own rules |
| How to apply | Online on the official .punjab.gov.pk portal, or by SMS for Kissan Card |
| Housing helpline | 0800-09100 (toll-free) |
| Business helpline | 1786 (Asaan Karobar) |
All Maryam Nawaz Loan Schemes Compared (October 2026)
| Scheme | For | Amount | Interest / tenure | Status (15 Oct 2026) |
|---|---|---|---|---|
| Apni Chhat Apna Ghar | Building a new house on your own plot | Up to Rs1.5m | 0%, up to 9 years | Open |
| Apni Chhat Mehfooz Chhat | Roof repair, extra room or extra storey | Rs500,000 / Rs1m | 0%, 9 years | Open |
| Apni Zameen Apna Ghar | Free 3-marla plot for landless families | Plot, not cash | Free (build with ACAG loan) | No new window announced |
| Asaan Karobar Card | Small business credit card | Up to Rs1m | 0%, 3 years | Registration stopped |
| Asaan Karobar Finance | New and existing SMEs | Rs1m to Rs30m (exports up to Rs50m) | 0%, up to 5 years | Open (apply button live) |
| Kissan Card | Farm inputs (seed, fertiliser) | Rs30,000/acre, Rs150,000 per season (original limit) | 0%, 6-month card + 1 month grace | SMS route listed; Phase II planned |
| Livestock Card | Animal feed, silage, minerals | Rs27,000 per animal, up to Rs540,000 | 0% (government pays interest) | Open, launched 14 Oct 2026 |
| Parwaaz Card | Pre-departure costs for an overseas job | Reported up to Rs1m | 0%, monthly instalments | Open online |
1. Apni Chhat Apna Ghar: the Maryam Nawaz 15 Lakh Loan Scheme
When people search "Maryam Nawaz 15 lakh loan scheme" or "Maryam Nawaz house loan scheme", this is the programme they mean. Apni Chhat Apna Ghar (ACAG) gives an interest-free loan of up to Rs1.5 million to build a house on a small plot you already own. Our Apna Ghar Apni Chat scheme guide covers this loan step by step.
The loan is paid in instalments as construction moves ahead. The portal has a button to request the 2nd instalment. You repay only the principal. The Nation reported a monthly instalment (kist) of about Rs14,000 over 9 years. If you repay everything early, the portal offers a 20% rebate on the remaining principal in years 1 to 3, and 10% in years 4 to 6.
The scheme is large. The ACAG portal counter showed 223,547 loans worth PKR 291,440.5 million disbursed and 127,376 houses completed as of 28 October 2026.
Who qualifies
- Head of a nuclear family as recorded by NADRA.
- Permanent resident of Punjab as shown on the CNIC.
- Sole owner of a plot up to 5 marla in a city or 10 marla in a village.
- Aged 21 to 60. The current eligibility table on acag.punjab.gov.pk does not list a PMT score for the main ACAG loan (it applies to Mehfooz Chhat).
- No criminal record and not a loan defaulter.
Families without a plot cannot apply for ACAG. They should look at Apni Zameen Apna Ghar (section 3).
How to apply online
- Open acag.punjab.gov.pk and click "Apni Chhat Apna Ghar – Apply for Construction of New House".
- Fill the citizen registration form with your CNIC and the mobile number registered in your name.
- Complete the eligibility form, then the full application form.
- Upload your CNIC, plot ownership proof (Fard, registry or transfer letter) and photos.
- Wait for verification. Lenders check your details before approval; there is no ballot.
See the full documents checklist and our guide to checking your ACAG status. Estimate the kist with the loan calculator.
Status: open. No official closing date or "Phase 3" deadline has been published. Treat any "last date" you see on social media with caution. Helpline: 0800-09100.
2. Apni Chhat Mehfooz Chhat: Loans to Repair or Add a Floor
This newer category sits inside the same ACAG portal. It is for families who already have a house but need a safer roof or more space. The portal lists two options:
| Category | Use | Maximum loan | Tenure | Paid in |
|---|---|---|---|---|
| Category 01 | Repair and strengthening of weak roofs, or adding a room | Rs500,000 | 9 years | Two instalments |
| Category 02 | Building an additional storey / floor | Rs1,000,000 | 9 years | Two tranches (approval, then lintel level) |
How to apply
- Go to acag.punjab.gov.pk.
- Click "Apni Chhat Mehfooz Chhat – Apply for Addition of New Floor/Room".
- Choose Category 01 or Category 02 and click Apply.
- Register with your CNIC and complete the form.
The portal applies its own eligibility checks for this category. Call 0800-09100 if you are unsure whether you qualify. Our Mehfooz Ghar guide explains this loan in more detail.
3. Apni Zameen Apna Ghar: Free 3-Marla Plot
Apni Zameen Apna Ghar (AZAG) is not a loan. It gives a free 3-marla plot to homeless families, in their own district. It is run by PHATA through azag.punjab.gov.pk. The first phase covered about 2,000 plots in 19 districts.
Plot winners can then take the Rs1.5 million ACAG loan to build. In Jhelum, more than 600 families received allotment letters in July 2026.
Who qualifies
- Permanent Punjab resident with a valid CNIC.
- Owns no other plot or land.
- Meets the income requirement (the portal does not publish the exact limit).
- Clean criminal record.
- Must start building within 6 months of possession and finish within 2 years.
Process: online application, PHATA scrutiny and NADRA check, computerised ballot, then allotment. Status: no new registration dates have been announced as of 15 October 2026. Helpline: 0800-09100, or PHATA 042-99213419. Read our full 3-marla plot guide.
4. CM Punjab Asaan Karobar Card (Up to Rs1 Million)
The Asaan Karobar Card is a digital business card from the Bank of Punjab with a credit limit of up to Rs1 million at 0% interest. It is not cash in hand. You spend it on suppliers, utility bills, government fees and taxes. Up to 25% of the limit can be withdrawn in cash for business needs.
Important: when we opened akc.punjab.gov.pk on 15 October 2026, it showed the notice "Registration of applications has been stopped." You cannot apply for a new card right now. Existing cardholders can still log in.
Key terms (from the official portal)
- Tenure: 3 years. The first year works as revolving credit; the balance is then repaid in 24 equal monthly instalments.
- Grace period: 3 months after the card is issued. After that, pay at least 5% of the outstanding principal each month.
- Fees: Rs500 non-refundable processing fee; annual card fee of Rs25,000 + FED taken from the approved limit.
- Eligibility: age 21 to 57; Pakistani living in Punjab; CNIC and a mobile SIM in your own name; an existing or planned business in Punjab; clean credit history; credit and psychometric assessment.
Helpline: 1786.
5. CM Punjab Asaan Karobar Finance (Rs1m to Rs30m)
This is the bigger business loan, for small and medium enterprises. On 15 October 2026 the portal akf.punjab.gov.pk still showed live "Apply" buttons for both regular finance and exports.
| Tier | Amount | Security | Tenure | Processing fee |
|---|---|---|---|---|
| T1 | Rs1m to Rs5m | Personal guarantee | Up to 5 years | Rs5,000 |
| T2 | Rs6m to Rs30m | Secured (property etc.) | Up to 5 years | Rs10,000 |
| Export / SME | Up to Rs50m | Secured | Up to 5 years | Rs10,000 |
The end-user rate is 0%. The grace period is up to 6 months for start-ups and up to 3 months for existing businesses. Your own equity share is 0% for T1, 20% for most T2 loans, and 10% for women, transgender and differently-abled applicants.
Who qualifies
- Age 25 to 55 years.
- Active FBR tax filer with a clean credit history, plus a valid CNIC and NTN.
- Home and business both in Punjab; you own or rent the business premises.
- Small enterprise (sales up to Rs150m a year) or medium enterprise (Rs150m to Rs800m).
How to apply
- Open akf.punjab.gov.pk and click "Apply For Asaan Karobar Finance".
- Sign up with a mobile number registered in your own name.
- Upload a photo or selfie, both sides of your CNIC, and rent agreement, registry or utility bill.
- Add two references who are not blood relatives, and your business income details.
- Submit, then pay the fee through the PSID shown on screen. Processing starts only after payment.
Status updates come by SMS. Helpline: 1786.
6. Kissan Card: the Rs150,000 Loan for Farmers
Many people search "Maryam Nawaz loan scheme 150,000". The only official match we found is the CM Kissan Card. Its original terms give Rs30,000 per acre, up to Rs150,000 per farmer per season (reached at 5 acres), interest-free. It is not a housing loan, and it is not paid as cash. You buy seed, fertiliser and other inputs from authorised dealers.
- Who qualifies: farmers with land up to 12.5 acres recorded in PLRA, with a mobile SIM registered on their own CNIC.
- Repayment: the card runs for 6 months, followed by a 1-month grace period to repay.
- How to apply: the official punjab.gov.pk page says send "pkc [space] CNIC number" by SMS to 8070. The card is issued by the Bank of Punjab.
Status: the Punjab Agriculture Department's 2026-27 development plan lists Kissan Card Phase-II, with loans of up to Rs360,000 per cropping season for 1 million cardholders. We found no official notice of a new 2026 registration window. Call the Agriculture helpline 0800-17000 before you apply.
7. Other Current CM Punjab Loan Schemes
Livestock Card (up to Rs540,000)
CM Maryam Nawaz formally launched the new phase of the Livestock Card on 14 October 2026, with Rs16.2 billion in interest-free loans. Farmers get Rs27,000 per animal for feed (wanda), silage and mineral mixtures. Registration opened on 15 July 2026 for farmers keeping 5 to 20 animals, with loans up to Rs540,000. You repay the principal; the government pays the interest. Up to 25% can be withdrawn in cash. Register at plc.punjab.gov.pk, at a government veterinary hospital, or through the helpline 0800-09211.
Maryam Nawaz Hunarmand Naujawan Parwaaz Card
This is the main youth loan right now. It gives an interest-free loan to Punjab residents aged 18 or older who hold a confirmed overseas job offer. It covers visa, medical, airfare, skill testing and agent (OEP) charges. Business Recorder reported loans of up to Rs1 million; the portal itself does not publish a cap. Apply at parwaaz.psdf.org.pk. Contact: (042) 111-11-7733.
E-bike, e-taxi and "youth business" loans seen on blogs are left out because we could not confirm their current terms officially.
Maryam Nawaz Loan Scheme Eligibility: Quick Summary
Every scheme needs a valid CNIC, Punjab residence and a mobile SIM in your own name. After that, the rules split:
- House loan (ACAG): own a plot up to 5/10 marla and be aged 21 to 60.
- Free plot (AZAG): own no land at all.
- Business card: age 21 to 57 (registration stopped for now).
- Business finance: age 25 to 55 and an active tax filer.
- Kissan Card: land up to 12.5 acres, recorded in PLRA.
- Livestock Card: 5 to 20 animals, registered with the Livestock Department.
- Parwaaz Card: age 18+ with an overseas job offer.
Common reasons for rejection are a SIM registered in someone else's name, a defaulted loan in your credit record, a plot jointly owned or in a relative's name, and wrong details on the form.
Scam Warning: Fake WhatsApp and Facebook "Loan" Offers
The Punjab government does not approve loans through WhatsApp, Facebook pages, TikTok or phone calls. No real scheme asks for a "registration fee" in Easypaisa or JazzCash. The only fees are the official ones paid through a government PSID, such as the Asaan Karobar processing fee. Before using any loan app, check it with our online loan apply safety guide.
- Apply only on websites ending in .punjab.gov.pk (or psdf.org.pk for Parwaaz). Blogs, ".com.pk" look-alike sites and YouTube links are not official.
- Never share an OTP or ATM PIN, and ignore messages saying "your loan is approved, send a fee to release it".
- If in doubt, call the official helpline: 0800-09100 (housing) or 1786 (Asaan Karobar).
Latest News (October 2026)
- 28 Oct 2026: ACAG portal shows 223,547 loans disbursed and 127,376 houses completed.
- 14 Oct 2026: CM Maryam Nawaz launched the new Livestock Card phase with Rs16.2bn in interest-free loans.
- 8 Oct 2026: The CM restated a target of 500,000 houses in five years under Apni Chhat Apna Ghar.
- 5 Oct 2026: Apni Chhat Apna Ghar received the UN-Habitat Scroll of Honour in Muscat.
Looking for the federal housing loan of up to Rs10 million instead? See our PM Apna Ghar guide and the PM vs Punjab comparison.
Frequently Asked Questions
It is the common name for a group of interest-free Punjab government loans started by CM Maryam Nawaz. The main ones are Apni Chhat Apna Ghar (house loan up to Rs1.5 million), Apni Chhat Mehfooz Chhat (repair or extra storey), Asaan Karobar Finance and Card (business), Kissan Card (farmers), Livestock Card and Parwaaz Card (overseas jobs).
The Rs15 lakh loan is Apni Chhat Apna Ghar. Go to acag.punjab.gov.pk, click "Apply for Construction of New House", register with your CNIC and own mobile number, then fill the eligibility and application forms and upload your plot ownership proof.
As of 15 October 2026, Apni Chhat Apna Ghar, Mehfooz Chhat, Asaan Karobar Finance, the Livestock Card and the Parwaaz Card accept applications. New Asaan Karobar Card registrations are stopped, and no new Apni Zameen Apna Ghar window has been announced.
Rs150,000 is the original per-season limit of the CM Kissan Card for farmers: Rs30,000 per acre, up to 5 acres, interest-free, for buying seed and fertiliser. There is no Rs150,000 housing loan. Some people also confuse it with the Rs15 lakh (Rs1.5 million) house loan.
No official last date has been published for Apni Chhat Apna Ghar or Asaan Karobar Finance. Dates shared on social media are not confirmed. Check the official portal or call 0800-09100 or 1786.
You must be a head of family and permanent Punjab resident, be aged 21 to 60, be the sole owner of a plot up to 5 marla (urban) or 10 marla (rural), have no criminal record and not be a loan defaulter. The current portal table does not require a PMT score for this loan.
No. The end-user interest rate is 0% in every scheme in this guide. Some schemes still have fees, such as the Rs500 Asaan Karobar Card processing fee or the Rs5,000 and Rs10,000 Asaan Karobar Finance fees.
Log in to the same portal where you applied. ACAG applicants log in at acag.punjab.gov.pk; Asaan Karobar applicants get SMS updates and can check on their portal. You can also call 0800-09100 for housing or 1786 for business loans.
Yes. Women who meet the rules can apply. Asaan Karobar Finance lowers the required equity to 10% for women, transgender and differently-abled applicants.
We found no official Maryam Nawaz personal loan. Every loan in this guide is for a house, business, farm, livestock or overseas job. Cash support programmes are not loans and are not covered here; check punjab.gov.pk for those.
No official WhatsApp application number exists for these schemes. Anyone asking for money or an OTP on WhatsApp to approve a loan is a scammer. Apply only on .punjab.gov.pk portals.
Disclaimer: Apna Ghar Guide is an independent information site, not a government website. Always apply through official portals. Information verified from acag.punjab.gov.pk, akc.punjab.gov.pk, akf.punjab.gov.pk, azag.punjab.gov.pk, parwaaz.psdf.org.pk and punjab.gov.pk (all read 15 October 2026), and from The Nation, Pakistan Today, APP, Business Recorder and Dawn reports (January 2025 to October 2026).