Last updated: 12 November 2026. We check every scheme’s official portal and update this page as windows open and close. Latest headlines are in Govt Schemes News.
Punjab Chief Minister Maryam Nawaz’s government runs a long list of programmes: interest-free housing and business loans, farmer cards, student laptops, scholarships and e-bikes. “Maryam Nawaz scheme” is not one programme, so this page lists every major scheme in one place with the amount, who it’s for and whether you can apply right now.
All Maryam Nawaz Schemes 2026 (Quick Table)
| Scheme | For | Benefit | Status (Nov 2026) |
|---|---|---|---|
| Apni Chhat Apna Ghar | Build a house on your own plot | Up to Rs1.5m, 0%, 9 years | Open |
| Apni Chhat Mehfooz Chhat | Repair, extra room or storey | Rs0.5m – Rs1m, 0%, 9 years | Check portal |
| Apni Zameen Apna Ghar | Free 3-marla plot for landless families | Free plot (+ ACAG loan to build) | No new window |
| Asaan Karobar Card | Small businesses | Up to Rs1m, 0%, 3 years | Registration closed |
| Asaan Karobar Finance | SMEs and exporters | Rs1m – Rs50m, 0%, 5 years | Open |
| Kissan Card | Farmers (up to 12.5 acres) | Rs30,000/acre, up to Rs150,000/season | SMS 8070 route listed |
| Livestock Card | Livestock farmers (5–20 animals) | Rs27,000/animal, up to Rs540,000 | Season closed |
| Parwaaz Card | Youth with an overseas job offer | Visa, ticket, agent fees; 0% | Open |
| CM E-Bike Scheme | Students | Electric bike on instalments | Distribution from Dec 2026 |
| CM Laptop Scheme | Public university/college students | Free Core i7 laptop | Phase II distribution |
| Honhaar Scholarship | BS students | Full tuition fee | Phase IV closed (Nov 2026) |
| PIVOT Plan / STEP loans | Industry & exporters | Rs300bn loans at 0–5% | Launched 30 Oct 2026 |
How to Apply for a Maryam Nawaz Loan Scheme (Step by Step)
Every Maryam Nawaz loan is applied for online on its own official Punjab government portal. The basic steps are the same:
- Pick the right scheme from the table above: house on your own plot = Apni Chhat Apna Ghar; repairs or extra room = Apni Chhat Mehfooz Chhat; business = Asaan Karobar Card or Asaan Karobar Finance; farmers = Kissan Card.
- Open the official portal (list below). Type the address yourself; do not use links forwarded on WhatsApp or Facebook.
- Register with your CNIC and a mobile number registered in your own name (SIM must be on your CNIC).
- Fill the form honestly: family, income, plot or business details. Wrong information fails NADRA and credit (eCIB) checks.
- Upload documents: CNIC, plot papers for housing loans, business premises proof, references and tax/NTN details for business loans.
- Pay a fee only if the portal shows a PSID (for example the Asaan Karobar processing fee). Housing applications are free.
- Track by SMS or by logging in, and call the scheme helpline if nothing changes.
| Loan scheme | Where to apply | Helpline |
|---|---|---|
| Apni Chhat Apna Ghar / Mehfooz Chhat | acag.punjab.gov.pk | 0800-09100 |
| Asaan Karobar Finance | akf.punjab.gov.pk | 1786 |
| Asaan Karobar Card | akc.punjab.gov.pk (registration closed Nov 2026) | 1786 |
| Kissan Card | SMS / official Punjab agriculture portal (see our Kissan Card guide) | See guide |
Step-by-step guides: how to apply for Apni Chhat Apna Ghar and how to apply for Asaan Karobar Finance.
Housing Schemes
Apni Chhat Apna Ghar is the “Maryam Nawaz 15 lakh loan” people search for: up to Rs1.5 million interest-free over 9 years to build a house on a plot you own (up to 5 marla in cities, 10 marla in villages). Over 229,000 loans had been disbursed by early November 2026. Apply at acag.punjab.gov.pk; helpline 0800-09100. Full guide: Apni Chhat Apna Ghar.
Apni Chhat Mehfooz Chhat covers roof repairs, an extra room (up to Rs500,000) or an extra storey (up to Rs1 million) on the same portal. Apni Zameen Apna Ghar gives free 3-marla plots by ballot to landless families.
Business Loans
Small traders can use the Asaan Karobar Card (up to Rs1 million) when registration reopens, while filers with an established or planned SME can apply now for Asaan Karobar Finance (Rs1 million to Rs50 million). Larger industrial and export firms should follow the PIVOT plan‘s Rs300 billion STEP financing.
Farmers and Livestock
The Kissan Card gives interest-free credit for seed and fertiliser, and the Livestock Card covers animal feed. Both are issued through the Bank of Punjab.
Students and Youth
Students can benefit from the laptop scheme, the Honhaar Scholarship and the e-bike scheme. Young people with a job offer abroad can finance their move through the Parwaaz Card. Nationwide, the PM Youth Loan is another option.
Federal Support: BISP
Low-income families across Pakistan should also check BISP 8171 for the Rs14,500 quarterly Benazir Kafaalat payment.
How to Stay Safe
- Apply only on official punjab.gov.pk portals; there are many look-alike websites.
- No scheme approves loans on WhatsApp, Facebook or TikTok.
- Fees, where they exist, are paid only through a PSID on the official portal, never to a person’s Easypaisa/JazzCash.
Free Calculators for Scheme Applicants
Before you apply, check what you can afford: estimate a monthly installment with our loan installment calculator, work out take-home pay with the salary tax calculator, and see all our free tools. For business finance options beyond Punjab schemes, read business loans in Pakistan.
FAQs (Roman Urdu)
Maryam Nawaz 15 lakh loan scheme kya hai?
Yeh Apni Chhat Apna Ghar hai: apne plot par ghar banane ke liye Rs15 lakh bila sood qarza, 9 saal mein wapsi.
Abhi kaun si schemes khuli hain?
Apni Chhat Apna Ghar, Asaan Karobar Finance aur Parwaaz Card (November 2026).
Business ke liye kaun si scheme behtar hai?
Chhote karobar ke liye Asaan Karobar Card, bare karobar ke liye Asaan Karobar Finance.
Maryam Nawaz loan scheme ke liye apply kaise karein?
Pehle scheme chunein (ghar, business ya kissan), phir uske official portal par CNIC aur apne naam ke mobile number se register kar ke form bharein. Ghar wale loan ki koi fees nahi.
Maryam Nawaz loan scheme ka status kaise check karein?
Portal par login kar ke ya SMS updates se. Ghar ke loan ke liye 0800-09100 aur Asaan Karobar ke liye 1786 helpline hai.
Kya koi personal loan scheme hai?
Hamein koi official Maryam Nawaz personal loan scheme nahi mili; aise dawon se hoshiyar rahein.
Sources: official Punjab government portals (acag, akc, akf, plc, parwaaz, cmlaptophed, honhaarscholarship), punjab.gov.pk and press reports. Statuses checked November 2026.