The Government of Punjab has launched a people-centric housing initiative in 2025 titled “Apni Chhat Apna Ghar,” aimed at supporting low-income individuals and families in building or acquiring a home of their own. This program provides interest-free loans to eligible applicants, helping them secure a dignified place to live.
Below is a complete guide explaining who can apply, who cannot, and what the process involves.
✅ Who Is Eligible? (Eligibility Criteria)
Individuals or families who meet the following conditions are considered eligible for the “Apni Chhat Apna Ghar” program:
- Permanent Residency in Punjab
Applicants must be permanent residents of Punjab, as verified by their CNIC. Proof of residence from the NADRA-issued National Identity Card is mandatory. - Land Ownership or Intention to Purchase
Applicants must either own a plot of land or intend to purchase one. The size limits are - Urban Areas: Up to 5 Marla
- Rural Areas: Up to 10 Marla
- Income Bracket Requirement
The monthly household income must fall between PKR 20,000 and PKR 80,000. This restriction ensures the scheme targets financially deserving segments. - PMT Score Requirement
Applicants must be registered with NSER (National Socio-Economic Registry) and have a Poverty Means Test (PMT) score of 60 or below. This number is necessary to prove that you are having a challenging time with money. - Repayment Capacity
Applicants should be able to repay the loan in installments. A basic financial assessment is carried out to ensure the borrower has stable income and repayment capability. - Criminal & Financial Record
No criminal history should be associated with the applicant. Additionally, the applicant must not be a defaulter of any financial institution. - Priority Beneficiaries
The following categories will receive priority: - Widows
- Orphans
- People with disabilities
- Daily wage earners and laborers
❌ Who Is Not Eligible? (Ineligibility Conditions)
The following individuals are not qualified to benefit from the scheme:
- Existing Property Owners
Anyone (including spouse or dependents) who already owns property anywhere in Pakistan is not eligible. - PMT Score Above 60
Individuals with a Poverty Score above 60 are considered financially stable enough not to require this assistance. - Outstanding Loans or Criminal Charges
Applicants with a record of financial default or involvement in criminal activities will be disqualified. - Non-Punjab Residents
Only individuals who are Punjabi or have their CNICs registered in Punjab are eligible to apply. This program does not cover residents from other provinces.
💸 Loan Features & Financial Details
The scheme provides a Shariah-compliant, interest-free housing loan to assist in home construction or completion.
- Maximum Loan Amount: Up to PKR 1.5 million
- Tenure: Up to 7 years, repayable in monthly installments
- Monthly Installments: Approximately PKR 11,000 to 14,000
- Markup/Interest: Absolutely zero interest
We design this financial assistance to alleviate the housing burden without imposing long-term pressure on low-income families.
📝 Application Process—How to Apply
To apply for the Apni Chhat Apna Ghar program, follow these steps:
- Visit the Official Portal
Go to https://acag.punjab.gov.pk - Fill Out the Online Form
Complete the online application form with correct personal, financial, and housing details. - Upload Required Documents
Attach clear scanned copies of: - CNIC (applicant and spouse, if applicable)
- Proof of income (salary slip, business record, etc.)
- Land ownership or intent-to-purchase documents
- Submit the Form
After completing the application and uploading the necessary documents, proceed to submit the form. - Wait for Verification
The government and affiliated banks will assess your information. Once verified, approved applicants will receive disbursement notifications.
📞 Contact & Support
For inquiries or further assistance, you may:
- Call the official helpline at 0800-09100
- Visit https://acag.punjab.gov.pk for updates, FAQs, and contact info
🌟 Conclusion
Many people in Punjab are having a difficult time affording a home, but the “Apni Chhat Apna Ghar” program changes everything. Are you struggling to afford a home? With transparent procedures, targeted eligibility, and financial support without interest, the program empowers deserving families to move from insecurity to stability.
If you or someone you know meets the criteria, apply now for the first step toward owning a home with government-backed support.
For More Information Click Here