The Punjab Government has launched a fresh round of Apni Chhat Apna Ghar Scheme New Registrations, designed to offer interest-free loans to low-income families so they can construct their own homes. Spearheaded by Chief Minister Maryam Nawaz, this initiative is a significant move to uplift deserving individuals who have land but lack the financial means to build on it.
The scheme is open to residents of Punjab who own plots measuring 5 marla in cities or 10 marla in rural areas. Eligible applicants can apply for an interest-free loan of up to Rs. 15 lakh to support the construction of their homes.
What is the Apni Chhat Apna Ghar Scheme?
The Apni Chhat Apna Ghar Scheme is a welfare housing initiative launched by the Punjab Government to help low-income families build homes on land they already own. This project aims to empower people who have land but lack the financial means to construct a house.
Key Highlights:
- Interest-free loan of up to Rs. 1.5 million
- Available only for permanent residents of Punjab
- Applicable to individuals owning 5 marla (urban) or 10 marla (rural) plots
Who Can Apply – Eligibility Criteria for Apni Chhat Apna Ghar
Before you apply, make sure you meet the following conditions:
- Must be a permanent resident of Punjab
- Must be registered as the head of the household (verified by NADRA)
- Must own either 5 marla (urban) or 10 marla (rural) land
- Must not already possess a house
- Completion of the PSER survey is mandatory
- Should have no criminal background or loan defaults
How to Apply Online – Simple Registration Steps
- Visit the official website: acag.punjab.gov.pk
- Click on the “Register” button in the top right corner
- Fill in your personal information (Name, CNIC, Contact, Address, Password, etc.)
- Submit the form to create your user account
Once Registered:
- Log in using your CNIC and password
- Confirm your eligibility (land ownership, no prior house, etc.)
- Complete the application form with:
- Personal and property details
- Employment and income information
- Upload required documents (CNIC front and back, land ownership papers in JPG/PNG/PDF)
- Submit your application for review
Offline Application – No Internet? No Problem!
If you’re unable to apply online, you can go for offline registration:
- Visit your nearest Deputy Commissioner (DC) Office
- Head to the Apni Chhat Apna Ghar registration counter
- Carry necessary documents like CNIC and land ownership proof
- On-site staff will assist you with the application process
This method is especially useful for senior citizens and residents of remote areas.
Helpful Tips for Applicants
- Always use your own CNIC and real information
- Keep digital copies of all required documents
- Providing false details may result in rejection
- Use an active mobile number for updates
- Check your email regularly for application status
Final Thoughts
The Apni Chhat Apna Ghar Scheme is a valuable opportunity for landowners in Punjab who dream of having their own home. With interest-free loans and a transparent process, this initiative can be life-changing for deserving families.
Don’t wait—whether you’re applying online or offline, start the process today and take the first step toward building your dream home.
Frequently Asked Questions (FAQs)
Q1: Who is eligible for the 2025 Apni Chhat Apna Ghar Scheme?
A: Permanent residents of Punjab who own 5 marla (urban) or 10 marla (rural) land and don’t already own a home.
Q2: How do I apply online for the scheme?
A: Go to acag.punjab.gov.pk, register, and fill out the application form.
Q3: What is the loan amount provided under this scheme?
A: The government is offering an interest-free loan of up to Rs. 15 lakh for home construction.
Q4: Is the loan truly interest-free?
A: Yes, the loan is completely free of interest charges.
Q5: What if I’m not tech-savvy or don’t have internet access?
A: You can apply offline by visiting the DC Office in your district. Staff will help with the application.
Q6: What documents do I need to apply?
A: You’ll need your CNIC (front and back) and land ownership documents.
Q7: How will I know if I’ve been approved?
A: Updates will be sent via the mobile number or email you provided.
Q8: Can I apply if I live in a rental property?
A: No, only individuals who own land are eligible for this scheme.