Apni Chhat Apna Ghar Program – How to Check Your PMT Score

The Punjab Government has launched a remarkable housing initiative called the “Apni Chhat Apna Ghar” Program to help low-income families secure affordable homes. This scheme provides financial support, including interest-free loans, to eligible households who don’t already own property. One of the most important criteria for eligibility in this program is your PMT (Proxy Means Test) score. Understanding and checking your PMT score is the first step to becoming a part of this life-changing housing scheme.

In this article, we will guide you through everything you need to know about the PMT score and how to check it easily.

Table of Contents

What Is PMT Score?

The Proxy Means Test (PMT) score is a system developed by the government of Pakistan to assess the financial status of individuals and families. It is mainly used by welfare organizations like BISP (Benazir Income Support Programme) and the Ehsaas Program to determine the eligibility of people for various government schemes.

The PMT score is calculated based on household income, assets, number of dependents, and living conditions. For the Apni Chhat Apna Ghar Program, a lower PMT score indicates higher financial need and thus a higher chance of being eligible.

Generally, if your PMT score is below 40, you may qualify for the program. However, final eligibility depends on additional factors as well.

Why Is PMT Score Important?

Your PMT score determines:

Whether you are eligible to apply for the Apni Chhat Apna Ghar scheme.
If you can get an interest-free loan of up to Rs. 1.5 million.
Your priority level for home allotment under the scheme.

If you do not know your PMT score, you won’t be able to complete your application or qualify for benefits.

How to Check Your PMT Score?

Here are the most effective and official ways to check your PMT score:

1. Check Through SMS (8171)

This is the simplest way:

Open your messaging app.
Type your 13-digit CNIC number without dashes.
Send it to 8171.
Within a few seconds, you will receive a reply showing your eligibility status and PMT score.

This method is officially used for BISP and Ehsaas eligibility as well.

2. Visit BISP or Ehsaas Centres.

If you prefer in-person assistance:

Visit your nearest BISP Tehsil Office or Ehsaas Centre.
Bring your original CNIC and any other required documents.
Staff will check your PMT score and inform you of your eligibility for the housing scheme.

3. Check Online (When Available)

The Government of Punjab is expected to launch an online portal for Apni Chhat Apna Ghar program applicants.

Steps (once portal is launched):

Visit the official Punjab Housing & Town Planning Agency (PHATA) website: https://phata.punjab.gov.pk

Enter your CNIC number.

Your PMT score and eligibility status will appear on the screen.

This online option will soon be the most convenient way to track application status.

What If You Qualify?

If your PMT score is below the required threshold (e.g., 40):

Complete the Apni Chhat Apna Ghar online registration when available.
Attach necessary documents.
CNIC
Proof of income
Rent agreement (if living in a rented house)
Family certificate (optional)
Submit the form online or at designated centres.

After submission, your documents and application will be verified. If approved, you will receive confirmation via SMS and further details about home allocation or financial assistance.

What If Your PMT Score Is Too High?

If your PMT score is above the eligibility limit, here’s what you can do:

Visit a BISP office and request a review or update of your household survey data.
If your financial condition has recently changed, request a new dynamic survey.
Check for other government housing schemes that may accept higher PMT scores.

Sometimes, incorrect or outdated data in the system can impact your PMT score. Getting your information updated can help you become eligible.

Final Words

The Apni Chhat Apna Ghar Program is a golden opportunity for deserving families in Punjab to fulfill their dream of owning a house. But before you can benefit from it, checking your PMT score is essential. Whether you use SMS, visit an office, or check online, make sure you verify your eligibility as soon

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