The Maryam Nawaz Loan Scheme was introduced by the Government of Punjab with the main objective of helping the people of Punjab achieve their dream of owning a house. Under this scheme, an interest-free loan of 15 lakh rupees is being offered, allowing people to start construction on their own homes.
This loan is given in the form of installments, making it more accessible for the public. Once you apply, the Punjab government will provide the loan amount, which can be repaid in monthly installments over a period of 7 years. The repayment amount is just 14500 rupees each month, making it easier for everyone to manage.
To access this scheme, interested individuals need to register for it under the ACAG Scheme, and there are specific District Quota allocations for different areas. Many are highly appreciating the initiative as it provides a much-needed solution for those who want to own their houses but face financial barriers.
District Wise Quota of Maryam Nawaz Loan Scheme
The Maryam Nawaz Sharif Loan Scheme follows a district-wise quota system, which means that the Punjab government has fixed a specific quota for various districts. This ensures that the loan of 15 lakh rupees is fairly distributed among the people in each district. If there are more applications than the prescribed quota in any district, then balloting results will be used to decide the recipients.
The district seats are allocated based on this process, and you can access the information regarding the elected seats in your district to find out how many seats have been provided with the loan of 15 lakh rupees from the Punjab government. This transparent method ensures that the scheme benefits all districts according to the available resources.
| No. | Districts | Loan Distribution |
| 1 | Bhakar | 283 |
| 2 | Khushab | 243 |
| 3 | Layyah | 366 |
| 4 | Mianwali | 307 |
| 5 | Muzaffargarh | 714 |
| 6 | Chiniot | 313 |
| 7 | Faisalabad | 851 |
| 8 | Jhang | 451 |
| 9 | Sargodha | 520 |
| 10 | Toba Tek Singh | 376 |
| 11 | Gujranwala | 657 |
| 12 | Hafizabad | 302 |
| 13 | Kasur | 484 |
| 14 | Lahore | 1690 |
| 15 | Nankana | 314 |
| 16 | Narowal | 357 |
| 17 | Okara | 518 |
| 18 | Pakpattan | 401 |
| 19 | Sheikhupura | 512 |
| 20 | Sialkot | 570 |
| 21 | Attock | 287 |
| 22 | Chakwal | 263 |
| 23 | Gujrat | 466 |
| 24 | Jhelum | 225 |
| 25 | Mandi Bahauddin | 358 |
| 26 | Rawalpindi | 600 |
| 27 | Bahawalnagar | 454 |
| 28 | Bahawalpur | 517 |
| 29 | Rahim Yar Khan | 714 |
| 30 | DG Khan | 498 |
| 31 | Khanewal | 458 |
| 32 | Lodhran | 380 |
| 33 | Multan | 726 |
| 34 | Rajanpur | 368 |
| 35 | Sahiwal | 443 |
| 36 | Vehari | 517 |
Registration Process for the Apni Chhat Apna Ghar Scheme
To apply for the 15 lakh loan under the Apni Chhat Apna Ghar Scheme (ACAG), follow these simple steps:
- Visit the official website of the Apni Chhat Apna Ghar Scheme.
- Create an account by entering your CNIC number, phone number, father’s name, father’s CNIC number, password, and your division, district, tehsil, and city.
- Login to your account using your CNIC number and password.
- Agree to the displayed certificate and click the “Proceed” button.
- Enter your personal information, a photo of yourself, and bank information, then click “Save and Next”.
- Upload the front side and back side photo of your CNIC, as well as the pictures of your ownership documents, ensuring they are clear and legible.
- If you want to provide remarks or feedback, enter them; otherwise, simply click the “Submit” button to complete your application.
Balloting Process for Maryam Nawaz Loan Scheme
If the Punjab government receives more applications than the prescribed quota in a particular district, a balloting process will be conducted to select names according to the fixed quota. The names selected in the blotting will be chosen fairly, with no recommendation or fraud involved, ensuring transparency.
Once the results are announced, if your name appears, you will be given the first installment of the 15 lakh loan, which can be used for construction of your house. This system guarantees a fair and clear process for distributing the loan to the public.
Frequently Ask Questions
What is the Maryam Nawaz Loan Scheme?
The Maryam Nawaz Loan Scheme offers an interest-free loan of 15 lakh rupees to residents of Punjab to help them build their own houses.
How is the loan distributed?
The loan is given in installments as the construction of the house progresses. The Punjab government releases the funds in stages based on the work completed.
How much is the monthly repayment schedule of the Maryam Nawaz Loan Scheme?
The loan is to be repaid in monthly installments of 14,500 rupees over a period of 7 years.
What happens if my district receives more applications than the quota?
If a district receives more applications than the prescribed quota, a balloting process will select recipients fairly.
How can I apply for the Maryam Nawaz Loan Scheme?
To apply, visit the official Apni Chhat Apna Ghar Scheme (ACAG) website, create an account, and submit your information and required documents.
What documents are required for registration?
For registration, you need to submit your CNIC, ownership documents, and personal information, including a photo.
What is the process for loan approval through balloting?
In districts where applications exceed the quota, a balloting process will select names. If your name is selected, you will receive the first loan installment.
Conclusion of ACAG
The Maryam Nawaz Loan Scheme is a great opportunity for residents to build their own homes with interest-loose loans of 15 lakh rupees provided by the Punjab government. It ensures fair distribution of loans across Punjab through a district quota system. In case of over-registration in any district, a transparent voting process is used to select the beneficiaries, preventing any chances of fraud. The loan can be repaid in monthly installments of 14,500 rupees over 7 years. To apply, simply visit the official Apni Chhat Apna Ghar Scheme (ACAG) website, where you can create an account, and submit the necessary information and required documents.