Punjab Government has launched the Apni Chhat Apna Ghar Scheme 2025 to help low- and middle-income families turn their dream of home ownership into reality. This scheme is specially designed for those who already own a small piece of land but cannot afford to build a house due to financial challenges. Through this program, the government offers interest-free loans, a generous subsidy, and a simple application process to make home construction easy and affordable.
What Is Apni Chhat Apna Ghar Scheme?
This housing scheme is a step toward solving the housing crisis in Punjab. If you have land but no funds to build, this program gives you access to a loan without interest and a major subsidy. The goal is to ensure every deserving family has a safe and secure place to live — without carrying the burden of high construction costs.
Who Can Apply?
You are eligible to apply if you meet these conditions:
- You are the head of the family as per the National Database and Registration Authority records.
- You have Punjab domicile with the address listed on your Computerized National Identity Card.
- You already own land — up to 5 Marla in urban areas or 10 Marla in rural locations.
- You have no history of crime or loan default.
- You are registered with NSER and have a poverty score (PMT) of 60 or below.
How to Apply for Apni Chhat Apna Ghar Scheme Online
Follow these steps to apply:
- Visit the official website: acag.punjab.gov.pk
- Create your account using your CNIC number, mobile phone, name, and password.
- Log in and complete the online application form.
- Add details about your family, land, and income.
- Upload the required documents, including:
- CNIC copy
- Proof of land ownership
- Punjab domicile
- NSER verification or PMT score
- Submit the form and save your application number for future tracking.
District-Wise Loan Distribution
To ensure equal opportunity across Punjab, the loan program is divided into districts and zones. Below is a summary of how loans are distributed:
| Zone | District | Allocated Loans |
|---|---|---|
| Central | Bhakkar, Khushab, Layyah, Mianwali, Muzaffargarh | 1,913 |
| Faisalabad | Faisalabad, Jhang, Toba Tek Singh, Sargodha, Chiniot | 2,511 |
| North Lahore | Lahore, Gujranwala, Sheikhupura, Kasur, Sialkot, Nankana, Narowal, Okara, Hafizabad, Pakpattan | 5,804 |
| Rawalpindi | Rawalpindi, Attock, Chakwal, Jhelum, Gujrat, Mandi Bahauddin | 2,198 |
| South Punjab | Bahawalpur, Rahim Yar Khan, Multan, Khanewal, DG Khan, Lodhran, Vehari, Rajanpur, Sahiwal | 3,390 |
How the Scheme Will Work
The program is divided into three models to suit different situations:
1. Public-Private Development Model
- Houses will be built on government-owned land.
- Private developers will handle construction and provide roads, sewerage, and electricity.
- Eligible families will receive completed homes at reduced prices.
2. Affordable Housing in Private Schemes
- Private housing societies will be required to reserve 20% of their land for low-income housing.
- The government will offer a 1 million rupees subsidy to help buyers.
3. Self-Build Loan Model
- Families who already own land will receive interest-free loans up to 1.5 million rupees.
- The loan will be payable in small monthly instalments over 7 years.
Why This Scheme Matters
The Apni Chhat Apna Ghar Scheme will help solve many problems at once:
- Reduce overcrowded housing conditions
- Improve living standards in both cities and villages
- Support job creation in the construction sector
- Ensure fair distribution of resources across Punjab
- Empower families to become homeowners, not renters
Long-Term Benefits for Families and the Economy
This scheme is not just about houses. It is a powerful tool to:
- Create up to 500,000 new jobs
- Boost the economy through construction and related industries
- Improve basic services like water, electricity, and sanitation
- Strengthen social stability by giving families permanent shelter
Final Words
The Apni Chhat Apna Ghar Scheme 2025 offers a once-in-a-lifetime chance for Punjab residents to build the home they have always wanted. With zero interest loans, fair district quotas, and simple online application, the program is designed to help those who need it the most. If you own a small plot but cannot afford to build, now is the time to take action. Gather your documents and apply today at acag.punjab.gov.pk. This scheme could be the turning point for your family’s future.
FAQ
Residents of Punjab who own land and have a poverty score of 60 or below.
No. You must own land to qualify for the self-build loan model.
You can receive up to 1.5 million rupees as an interest-free loan.
The loan must be repaid within 7 years in small monthly payments.
Yes, in specific models where government land and developer partnerships are used.
You can track your application using the number provided at submission.
