15 Lakh Qarza Scheme
15 Lakh Qarza Scheme: The Punjab Government, under the leadership of Chief Minister Maryam Nawaz Sharif, has introduced the 15 Lakh Qarza Scheme 2025 to help low-income and deserving families achieve their dream of owning a house. This initiative, part of the Apni Chhat Apna Ghar Scheme Phase 2, provides interest-free loans up to Rs. 15 lakh to citizens of Punjab who qualify under the defined eligibility criteria.
The scheme is specially designed for those families who could not benefit from the previous phase and continue to struggle without their own home. The entire registration process is online, allowing applicants to apply from the comfort of their homes.
Why the 15 Lakh Qarza Scheme 2025 Matters
The rising cost of living and expensive housing has made it impossible for many families in Punjab to buy or build their homes. To address this, the Punjab Government has launched this loan program to provide financial relief.
- Families with a monthly income of less than Rs. 50,000 can now hope for financial stability.
- Applicants who do not own a house, land, or vehicle can qualify.
- This initiative opens doors for thousands of citizens who were left behind in Phase 1.
By offering loans without interest, the government aims to reduce financial pressure and ensure every deserving household has a roof over their head.
Eligibility Criteria for Maryam Nawaz Qarza Scheme
To make sure that the loan reaches only the deserving families, the Punjab Government has set clear requirements. Applicants must meet all conditions to qualify.
Eligibility Conditions:
- Must be a permanent resident of Punjab.
- Must possess a valid Punjab domicile and CNIC.
- Monthly income should be less than Rs. 50,000.
- PMT (Poverty Means Test) score must be under 34%.
- Should not have taken any loan in the previous phase.
- No record of bank loans or defaults.
- Must not own land, a business, or a registered vehicle.
Only those meeting the above conditions will be eligible to apply.
Required Documents for Registration
Applicants must prepare their documents in advance to avoid delays during the registration process. The government requires valid and updated information to process applications.
Documents Needed:
- Applicant’s CNIC.
- CNIC of husband or father (in case of dependent applicants).
- Mobile number registered on applicant’s own CNIC.
- Recent utility bills (electricity, gas, or mobile phone).
- Salary slip or income certificate.
- Affidavit declaring that the applicant does not own a house.
- Active email address for official updates.
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Step-By-Step Application Process for 15 Lakh Qarza Scheme 2025
The registration process has been made simple and fully online. Here’s how you can apply:
- Visit the official portal: acag.punjab.gov.pk.
- Click on the “Register Now” button.
- Enter your personal details:
- Full name
- Father’s/Husband’s name
- CNIC number
- Gender
- Provide contact information:
- Mobile number (registered on CNIC)
- Email address
- Mobile network
- Set up location details:
- Division, District, Tehsil
- City name
- Create a secure password and confirm it.
- Click Register to complete the application.
Once submitted, your application will be verified through the official system.
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How to Check Application Status After Registration
After submitting your form, you can track your application through the online portal. This feature helps applicants stay updated on the progress of their loan approval.
Follow these steps:
- Go to the official login page.
- Enter your CNIC and the password you created during registration.
- Complete the CAPTCHA verification.
- Click Login to access your dashboard.
- Your application status, verification stage, and approval updates will appear there.
Final Thoughts
The 15 Lakh Qarza Scheme 2025 by Maryam Nawaz Sharif is a game-changer for the underprivileged citizens of Punjab. With easy online registration, transparent eligibility criteria, and an interest-free loan facility, thousands of families will now be able to build their own homes without financial stress.
Applicants are encouraged to apply as soon as possible, prepare all necessary documents, and regularly check their application status through the official portal. This scheme is not just a loan—it is a chance to uplift families, improve living standards, and bring stability to households that have long struggled for a secure home.
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FAQs
Who can apply for the 15 Lakh Qarza Scheme 2025?
Any permanent resident of Punjab with income below Rs. 50,000 and no property, vehicle, or business can apply.
Is the loan under this scheme interest-free?
Yes, the Punjab Government is offering completely interest-free loans up to Rs. 15 lakh.
How can I register for the Qarza Scheme?
You can apply online by visiting acag.punjab.gov.pk and filling out the registration form.
What documents are required for registration?
You need CNIC, domicile, income proof, utility bill, affidavit of no house, and a registered mobile number.
How do I check my application status?
Login to the official portal using your CNIC and password to track the status of your application.