Apni Chhat Apna Ghar Scheme 2025 Complete Registration Guide

The “Apni Chhat Apna Ghar” scheme, launched by the Government of Punjab in 2025, aims to address the housing needs of low-income families across the province. Under this initiative, eligible individuals are either provided with free residential plots or interest-free loans to build their own homes. The government’s vision is to ensure every deserving citizen has access to a secure and dignified shelter, promoting social welfare and economic stability.

🏡 Types of Housing Support Offered

The scheme operates under two major categories:

1. Apni Zameen Apna Ghar (Own Land, Own Home)

Under this component, the government distributes free 3-marla residential plots (approx. 675 sq. ft.) to underprivileged families who do not own any land. The government is allocating these plots across various districts of Punjab, with a particular focus on underdeveloped and rural areas.

2. Apni Chhat Apna Ghar (Interest-Free Home Construction Loan)

For those who already own land (up to 5 marlas in urban areas or 10 marlas in rural areas), the government is offering interest-free loans. The goal is to assist them in building or finishing their homes without incurring debt or depending on commercial banks.

✅ Eligibility Criteria for Applicants

To apply for any part of the scheme, applicants must fulfill the following criteria:

• Must be a permanent resident of Punjab (valid domicile required)
• Household income should not exceed PKR 60,000 per month
• Registered with the National Socio-Economic Registry (NSER) and possesses a Poverty Means Test (PMT) score of 60 or below
• Must not be a defaulter of any bank or financial institution
• Should not be involved in any criminal activity
• Must be the head of the household as per NADRA records
• For loan applicants: Must already own a plot of land (within defined size limits)

📝 How to Register—Step-by-Step Guide

Applicants can easily register through the official government web portal. Follow these steps to apply:

1. Visit the Official Portal

Go to: acag.punjab.gov.pk. This is the official website for the “Apni Chhat Apna Ghar” scheme.

2. Create Your Account

Click on the “Register” button and enter the following details:

• Full Name
• CNIC (Computerized National Identity Card) Number
• Father’s or Husband’s CNIC
• Gender
• Mobile Number
• Email Address
• District, Division, and City
• Create and confirm a secure password

3. Fill Out the Eligibility Form

After registration, log in to the portal and complete the Eligibility Certificate Form, which verifies your qualifications for the scheme.

4. Complete the Application Form

Provide additional information about:

• Your family income
• Property ownership (if any)
• Attach supporting documents like CNIC, utility bills, income proof, and NSER registration slip

5. Submit and Track Your Application

The district-level committee will review your application once you submit it. You can track the status by logging into your account at any time.

📄 Required Documents

To ensure a smooth application process, keep the following documents ready:

• Copy of CNIC (Self and spouse)
• A recent passport-sized photograph
• Proof of income or a salary slip
• Utility bill (electricity/gas) as address verification
• Proof of land ownership (if applying for a construction loan)
• NSER registration or BISP slip (if available)

📞 Helpline and Support

If you face any issues during the registration process, you can seek help through:

• Toll-Free Helpline: 0800-09100
• Online Complaint Portal: complaints.punjab.gov.pk
• Alternatively, you can visit the Deputy Commissioner’s Office in your district, where they have set up special desks for the scheme.

📅 Last Date to Apply

While no official deadline has been announced yet, it is advised to apply as soon as possible due to limited plot availability and a high volume of applications.

🔚 Final Words

The Apni Chhat Apna Ghar scheme reflects the Punjab government’s commitment to supporting low-income families and ensuring every citizen has access to safe housing. With a transparent digital application system and robust verification mechanisms in place, this initiative presents a wonderful opportunity for the underprivileged to finally own a home.