The Government of Punjab has introduced the “Apni Chat Apna Ghar” (My Roof, My Home) initiative in 2025, aiming to provide affordable housing to underprivileged and low-income families across the province. This landmark housing program seeks to bridge the shelter gap and offer deserving citizens a chance to own a home with dignity. This scheme provides a permanent residence without financial exploitation or lengthy paperwork, regardless of whether you’re living in an urban slum or renting a small flat.
🏠 Key Features of the Scheme
- The scheme plans to construct over 100,000 housing units within the next 4.5 years.
- Unit Price: Fixed at PKR 1.5 million per home.
- The Subsidised Payment Model requires the applicant to pay only 40% (PKR 600,000) in easy monthly instalments.
- Installment Plan: Monthly instalment of PKR 26,000 over 5 years.
- Government Contribution: The Punjab Government will subsidize 60% (PKR 900,000) of the home’s cost.
- Pilot Cities: Lahore, Faisalabad, Multan, Sialkot, Rawalpindi, and Sargodha have been chosen for the initial rollout.
- Special Loans: Landowners can avail interest-free housing loans up to PKR 1.5 million, payable in monthly instalments of PKR 14,000 over 7 years.
📋 Eligibility Criteria
To ensure transparency and that the help reaches the right hands, the scheme sets the following eligibility conditions:
- Permanent Resident of Punjab – The applicant must possess a valid Punjab domicile.
- Low-Income Family – Total household income must not exceed PKR 60,000 per month.
- No Existing Home – The applicant must not own a house registered in their name anywhere in Pakistan.
- The applicant must register themselves as the head of the household in NADRA records.
- Applicants must maintain a clean legal record by not being involved in any criminal cases or declared bank defaulters.
- Applicants must be registered with the Punjab Social & Economic Registry (PSER).
💻 How to Apply Online (Step-by-Step Guide)
Punjab Government has made the application process digital and simple. Follow these steps:
Visit the Official Portal:
Go to acag.punjab.gov.pk
Register Your Profile:
Click on the ‘Register’ button and fill out the online form.
Enter Personal Information:
Provide:
- Full name
- CNIC number
- Father’s or spouse’s CNIC
- Gender
- Active mobile number
- Email address
- Complete address including city, tehsil, and district
Upload Documents:
Scan and attach:
- CNIC (both sides)
- Income proof or salary certificate
- Land or rental agreement (if applicable)
Set a Password & submit it.
Choose a strong password, confirm it, and click ‘Submit’.
Confirmation Message:
You will receive an SMS with tracking details and next steps after submission.
📝 Offline Application Process
Those unable to apply online can still benefit from the scheme:
- Visit Your Local DC Office – Carry original documents (CNIC, income proof, etc.)
- Please complete the physical application form available at the location.
- Please submit the form along with the required documents.
- After processing, you will receive an SMS notification.
📞 Helpline and Contact Info
For any assistance, technical difficulties, or queries regarding the process:
Helpline Numbers:
- 042-99213419
- 0800-09100 (Toll-free)
Official Website:
https://acag.punjab.gov.pk
🏡 Why This Scheme Matters
This housing initiative is a revolutionary step for Punjab’s urban development and poverty alleviation goals. By enabling low-income individuals to pay for a home over time—and covering more than half the cost through subsidies—the government is ensuring social inclusion, economic upliftment, and human dignity.
It addresses homelessness and boosts local construction, generates employment, and stabilizes families socially and financially.
⏳ Don’t delay; Apply Today!
Applications for the 2025 cycle are open now. If you or someone you know fulfills the requirements, take advantage of this golden opportunity. This plan can help you leave rented spaces and own a home.
For More Information Click Here