Punjab Government Launches Apni Chhat Apna Ghar Scheme 2025
The Punjab Government has officially unveiled the Apni Chhat Apna Ghar Scheme 2025, a life-changing initiative aimed at helping low-income families realize the dream of owning a home. Under the leadership of Chief Minister Maryam Nawaz, the government is offering interest-free loans up to Rs. 1.5 million to eligible residents for constructing houses on their owned land.
One delighted beneficiary shared,
“We had land for years but never the funds to build. This scheme has truly changed our lives.”
What is the Apni Chhat Apna Ghar Scheme?
The Apni Chhat Apna Ghar Scheme is a housing project designed for Punjab’s land-owning families who cannot afford home construction. Through interest-free financing, the scheme empowers them to build secure homes and uplift their living standards.
Key Features of the Scheme
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Loan Amount: Up to Rs. 1.5 million (Rs. 15 lakh)
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Eligibility: Permanent residents of Punjab
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Land Size Requirement:
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5 Marla (Urban areas)
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10 Marla (Rural areas)
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Condition: Must not already own a house
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Objective: Combat homelessness and improve living standards across Punjab
Who is Eligible to Apply?
To qualify for the Apni Chhat Apna Ghar Scheme 2025, applicants must:
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Be a permanent resident of Punjab
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Be listed as the head of the family in NADRA records
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Own a piece of land in Punjab
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Have no existing house ownership
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Have completed the Punjab Social Economic Registry (PSER) survey
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Have no criminal record or bank default history
🔔 Important: Providing false information can lead to permanent disqualification.
How to Apply Online: Step-by-Step Registration Guide
Applying is simple! Follow these steps:
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Visit the official portal: acag.punjab.gov.pk
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Click on “Register” at the top right.
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Enter personal details:
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Name
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CNIC Number
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Mobile Number
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Email Address
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Password
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Submit the form to create your account.
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Log in using your CNIC and password.
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Verify your land ownership status.
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Fill in property and income details.
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Upload the following documents:
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CNIC (Front and Back)
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Land ownership papers (PDF, JPG, PNG format)
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Submit your application for review.
Offline Registration: No Internet? No Problem!
Residents without internet access can apply manually:
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Visit your District Deputy Commissioner (DC) Office.
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Request the Apni Chhat Apna Ghar Desk.
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Submit photocopies of CNIC and land documents.
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Complete the registration form with the assistance of officials.
This process ensures everyone across Punjab, even in remote areas, can apply.
District-Wise Loan Distribution Quota
The Punjab Government has ensured a fair district-based loan allocation through the Punjab Housing and Town Planning Agency (PHATA). Here’s a quick view:
| Zone | PHATA Region | Districts Included | Loans Distributed |
|---|---|---|---|
| Center | Bhakkar | Bhakkar, Khushab, Layyah, Mianwali, Muzaffargarh | 1,913 |
| Center | Faisalabad | Chiniot, Faisalabad, Jhang, Sargodha, Toba Tek Singh | 2,511 |
| North | Lahore | Lahore, Gujranwala, Hafizabad, Kasur, Sheikhupura, Sialkot, and others | 5,804 |
| North | Rawalpindi | Rawalpindi, Chakwal, Jhelum, Gujrat, and others | 2,198 |
| South | Bahawalpur | Bahawalpur, Rahim Yar Khan, Bahawalnagar | 1,684 |
| South | Multan | Multan, DG Khan, Khanewal, Lodhran, Rajanpur, Sahiwal, Vehari | 3,390 |
Total Loans Allocated: 17,500 units across Punjab!
Loan Details and Repayment Terms
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Loan Amount: Up to Rs. 1.5 million
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Interest Rate: 0% (completely interest-free)
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Repayment Period: Up to 10 years in easy installments
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Usage: Strictly for house construction only
✨ “This scheme offers a fresh start for families who have the land but not the means.”
Important Tips Before Applying
✅ Always use your own CNIC.
✅ Keep scanned copies of necessary documents ready.
✅ Use a working mobile number and email for communication.
✅ Avoid multiple applications.
✅ Verify eligibility through your PSER ID.
🚨 Beware of fraud! Never pay agents — registration is 100% FREE.
Application Review and Loan Disbursement Process
Once your application is submitted:
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Government officials verify your documents and land ownership.
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Your financial status and PSER survey completion are cross-checked.
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If eligible, you’ll receive an approval notification via SMS or email.
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Loan disbursement happens in phases based on construction milestones.
Common Mistakes to Avoid
❌ Submitting fake land records
❌ Using someone else’s CNIC
❌ Ignoring updates via SMS or Email
❌ Applying without completing the PSER survey
Conclusion
The Apni Chhat Apna Ghar Scheme 2025 is a golden opportunity for landowners in Punjab struggling to build a home. With interest-free loans, transparent procedures, and district-based quotas, this scheme truly brings the dream of homeownership within reach for thousands.
✅ Don’t wait — register now and secure your family’s future!
Frequently Asked Questions (FAQs)
Q1: What is the last date to apply?
👉 Currently, no official deadline. Apply early to secure your loan!
Q2: Can landowners outside Punjab apply?
👉 No, only residents of Punjab are eligible.
Q3: Is there an application fee?
👉 No, applying is completely free.
Q4: Can I register offline?
👉 Yes, visit your nearest DC Office.
Q5: How will I know if I’m selected?
👉 You’ll be informed through SMS or email.
Q6: Can I use the loan to buy a ready-made house?
👉 No, the loan is strictly for new house construction.
Q7: What if my PSER data is missing?
👉 Update it immediately at your nearest BISP or NADRA center.
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