Use this free calculator to see exactly what you will pay every month under the Apni Chhat Mehfooz Chhat scheme. Select your loan category below and get your monthly installment, grace period, tenure, and total repayment instantly. No sign up, no personal information, and no cost.
This estimate is based on a 9-year tenure and the official installment figure of around Rs. 4,700 per month, minus your 3-month grace period. The government has not published an exact month by month schedule, so your final figures may vary slightly. Interest rate is 0% in every case.
| Year | Months Paid | Amount Paid This Year | Remaining Balance |
|---|
How This Calculator Works
The calculator uses the official figures announced by the Chief Minister at the scheme launch on July 17, 2026. It divides your loan amount across your repayment tenure after removing the 3-month grace period, using the announced installment for each category.
| Detail | Category 01 | Category 02 |
|---|---|---|
| Loan Amount | Rs. 500,000 | Rs. 1,000,000 |
| Monthly Installment | Around Rs. 4,700 | Around Rs. 9,300 |
| Interest Rate | 0% | 0% |
| Grace Period | 3 months | 3 months |
| Estimated Tenure | 9 years | 9 years |
Why estimated tenure? The government confirmed the monthly installment figures clearly, but has not published an exact official tenure for Category 02 in years. Our 9-year figure is a close mathematical estimate based on the interest-free nature of the loan. We will update this the moment an exact schedule is officially confirmed.
Why This Calculator Helps You
- See your monthly commitment before you apply, so you can plan your household budget
- Understand that your total repayment stays close to your loan amount since there is no interest
- Know exactly when your first installment is due, after your 3-month grace period
- Compare both categories side by side in seconds
For the complete explanation of both loan categories and how they work, read our complete program guide.
قسط کیلکولیٹر: اردو خلاصہ
یہ مفت کیلکولیٹر آپ کو اپنی چھت محفوظ چھت قرض کی ماہانہ قسط سمجھنے میں مدد دیتا ہے۔ اپنی کیٹیگری منتخب کریں اور قرض کی رقم، ماہانہ قسط، رعایتی مدت اور تخمینی کل ادائیگی فوری طور پر دیکھیں۔
یہ کیلکولیٹر صرف معلوماتی مقصد کے لیے ہے۔ درخواست دینے کے لیے سرکاری پورٹل acag.punjab.gov.pk پر جائیں یا اپنے قریبی DC، AC یا PHATA دفتر سے رابطہ کریں۔
Frequently Asked Questions (FAQs)
How accurate is this loan calculator?
This calculator uses the official loan amounts and installment figures announced by the Chief Minister at the launch of the scheme. The total repayment figure is our own calculation based on these numbers, since the government has not published a month by month schedule. Always confirm your exact figures with your microfinance institution.
Why does the total repayment not exactly equal the loan amount?
The loan is interest-free, so your total repayment should be close to the loan amount. Small differences exist because the government announced rounded installment figures. Your microfinance institution will confirm your exact final installment.
Does the calculator include interest?
No. Both loan categories are 100% interest-free. The calculator does not add any interest or markup to your repayment.
Can I use this calculator to apply for the loan?
No. This calculator only shows estimated figures for your understanding. To apply, visit the official portal acag.punjab.gov.pk or your nearest DC, AC, or PHATA office.