Ehsaas Apna Ghar Scheme 2025 || Online Registration and Latest Updates

The Government of Pakistan has consistently introduced social welfare programs aimed at uplifting low-income families across the country. One such initiative is the Ehsaas Apna Ghar Scheme, designed to help deserving individuals build or improve their own homes. This article provides a complete update on the scheme, its eligibility criteria, registration process, and what applicants need to know about the latest status for 2025.

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What is the Ehsaas Apna Ghar Scheme?

The Ehsaas Apna Ghar Scheme is part of Pakistan’s broader social protection agenda. It offers interest-free housing loans to help the poor construct homes on their own land or renovate existing ones. The scheme is primarily targeted at individuals who do not already own a proper residence or are living in inadequate housing conditions.

Although the program initially focused on federal levels, recent efforts in Khyber Pakhtunkhwa (KP) and Punjab have made it a more provincial initiative with separate registration processes and requirements.

Khyber Pakhtunkhwa Apna Ghar Scheme (Closed for Now)

Apna Ghar is a program started by the KP Government under the Ehsaas name that gives loans of up to Rs. 1.5 million with no interest. With these loans, people who were less fortunate could build homes on small pieces of land that were usually 3 to 5 marlas in size. Watching over the registering process were the Bank of Khyber and the Department of Social Welfare.

.Eligibility Criteria:

Resident of Khyber Pakhtunkhwa
Age between 18 and 55 years
Monthly income under Rs. 100,000
Must own land or a small property (maximum 5 marla)
Priority given to widows, orphans, disabled persons, and flood-affected families

Registration Deadline:

The latest phase of the KP scheme ended on May 8, 2025. The online application portal is currently closed, but officials have hinted at the possibility of future phases.

Punjab’s Apna Ghar and Apni Chhat Schemes (Open Now)

While the KP registration is temporarily closed, the Punjab Government has launched several housing schemes which are actively accepting applications. These schemes fall under two main categories:

1. Apni Chhat Apna Ghar Scheme (ACAG)

This scheme is aimed at low-income individuals who already own a plot but need financial help to construct a house. The Punjab government is offering easy loans through partner banks, and the application process is fully online.

Key Features:

Open to residents of Punjab
Interest-free or low-interest loans up to Rs. 1.5 million
Loan can be used for construction or renovation

2. Apni Zameen Apna Ghar Scheme

This initiative provides free 3-marla plots to deserving individuals. It is targeted at those who do not already own any residential property.

Eligibility:

No existing house or plot ownership
Must be a Punjab resident
Priority for widows, disabled, and extremely poor families

Registration:

Applicants can apply online through the official portal.

How to Register for Punjab Housing Schemes?

The steps below should be taken if you want to apply for any of the current housing projects in Punjab:

Take a look at the page for the program you want to join (ACAG or AZAG).
Give your cellphone number and CNIC to create an account.
On the online form, you must give your personal information, information about your income, and details about the home or plot you need.
Please send the required files, which include a copy of your CNIC, proof that you own the land (if applicable), and proof of your income.
Send your application and wait for approval.

Petitioners can check on the progress of their applications through an online portal, and the whole process is clear.

Final Thoughts

The Ehsaas Apna Ghar and related provincial schemes are a great opportunity for low-income families to own a secure and decent home. While the KP program is currently not accepting new applications, Punjab’s schemes are still open and provide real support to those in need.Interested individuals are advised to apply as early as possible to avoid missing deadlines, as future phases may not open immediately.

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