The Apni Chhat Apna Ghar (ACAG) program 2025 is an initiative launched by Punjab Chief Minister Maryam Nawaz Sharif to provide affordable housing solutions for low-income families. This program offers interest-free loans of up to 15 lakh rupees to eligible applicants to help them build or purchase a home.
If you’re interested in applying for the ACAG program, this step-by-step guide will help you complete your registration easily.
Eligibility Criteria for the ACAG Program
Before applying, ensure that you meet the eligibility requirements set by the Punjab government. Below are the four key criteria:
-
Permanent Residency: The applicant or any family member must be a permanent resident of Punjab as per their CNIC (Computerized National Identity Card).
-
Land Ownership:
-
The applicant must own 5 marla or less of land in urban areas OR up to 10 marla in rural areas for construction.
-
-
No Criminal Record: The applicant must not have a history of criminal activities, including anti-state or anti-social activities.
-
No Loan Defaults: The applicant should not be a defaulter of any financial institution or bank.
If you fulfill all the above requirements, you can proceed with your registration for the ACAG program.
Step-by-Step Process to Register for ACAG Program
The Punjab government has provided two methods for ACAG registration:
-
Online Registration (Most Convenient)
-
Registration via Deputy Commissioner’s Office
Let’s go through each method step by step.
Method 1: Online Registration for ACAG Program
The easiest way to apply is through the official ACAG website. Follow these steps:
Step 1: Visit the ACAG Official Website
-
Go to the ACAG program’s official website.
-
On the homepage, look for the “Register” button in the upper right corner.
Step 2: Create Your Account
-
Click on the “Register” button.
-
Fill in the Citizen Registration Form with the required details, such as:
-
Full Name
-
CNIC Number
-
Mobile Number
-
Email Address (if applicable)
-
-
Set a username and password to create your account.
Step 3: Login and Verification
-
After registration, return to the homepage and log in using your username and password.
-
A verification certificate will appear. You must confirm:
-
You are a resident of Punjab.
-
You do not own any other house.
-
Step 4: Fill Out the Registration Form
-
After verification, click on the “Continue Registration” button.
-
The registration form has three sections:
-
Personal Information: Enter your name, address, CNIC, family details, and financial status.
-
Document Upload: Attach scanned copies of:
-
CNIC (Front and Back)
-
Proof of land ownership (if applicable)
-
Recent utility bill
-
-
Opinion Submission (Optional): You can share additional comments or feedback.
-
Step 5: Submit Your Application
-
After completing all sections, click on the “Submit Application” button.
-
You will receive a confirmation message and tracking number for future reference.
Also Read: BISP 13500 April 2025 Payment Update: Latest Notifications and Eligibility Details
Method 2: Registration via Deputy Commissioner’s Office
If you’re unable to apply online, you can visit the nearest Deputy Commissioner’s (DC) Office for manual registration.
Steps for In-Person Registration:
-
Visit the DC Office: Go to your local Deputy Commissioner’s Office and locate the ACAG Registration Desk.
-
Collect the Registration Form: Request the ACAG program form and fill it out with accurate details.
-
Attach Required Documents: Submit photocopies of:
-
CNIC
-
Proof of residency
-
Land ownership proof (if applicable)
-
-
Submit the Form: Hand over the form to the official representative for processing.
-
Receive Confirmation: The office will provide you with an application tracking number for follow-ups.
Latest Updates on ACAG Program
As of the most recent update from the official Facebook page of CM Punjab Maryam Nawaz Sharif:
-
Over 544,000 applicants have created accounts on the ACAG online portal.
-
280,000 applications have been successfully submitted.
-
More than 76,000 applications are still in draft status.
Important Update: The Punjab government has released the fifth list of eligible families for loan approvals. If you have applied, visit the official ACAG website today to check if your name is in the latest list.
Also Read: 8171 BISP Ehsaas Program CNIC Check Online – Latest Payment Update 2025
Conclusion
The Apni Chhat Apna Ghar (ACAG) program is a golden opportunity for low-income families to secure an interest-free loan and fulfill their dream of owning a home. If you meet the eligibility criteria, follow the step-by-step guide to complete your registration online or through the Deputy Commissioner’s Office.
Make sure to submit your application as soon as possible before the registration deadline closes.
Frequently Asked Questions (FAQs)
1. Can I apply for the ACAG program if I already own a house?
No, this program is designed for people who do not own a house. However, if you own up to 5 marla in urban areas or up to 10 marla in rural areas, you may be eligible.
2. What is the deadline for ACAG program registration?
The Punjab government has not announced a fixed deadline yet. However, it’s recommended to apply as soon as possible since thousands of families have already registered.
3. Is the ACAG loan completely interest-free?
Yes, the 15 lakh rupees loan provided under this scheme is 100% interest-free, making it accessible for low-income families.
4. Can I apply if I don’t have an internet connection?
Yes, you can visit your nearest Deputy Commissioner’s Office and register manually.
5. How can I check the status of my application?
After submitting your application, visit the official ACAG website and log in using your credentials. You can track your status using your application number.