The Punjab Government has officially started new registrations for the Apni Chhat Apna Ghar Scheme, a major housing initiative by Chief Minister Maryam Nawaz. This program is designed to help low-income families who own land but cannot afford to build a home, offering interest-free loans to make home ownership a reality. Under this scheme, residents of Punjab who own 5 marla land in urban areas or 10 marla land in rural areas can receive an interest-free loan of up to Rs. 15 lakh for construction purposes. Apni Chhat Apna Ghar Scheme’s

What is Apni Chhat Apna Ghar Scheme?

The Apni Chhat Apna Ghar Scheme is a welfare project aimed at supporting deserving families who already have land but lack the financial resources to build their homes.

Key Highlights:

• Interest-free loans up to Rs. 1.5 million

• Only for permanent residents of Punjab

• Landownership required: 5 marla (urban) or 10 marla (rural)

• Feature	Details
  Loan Amount	Up to Rs. 1.5 million (interest-free)
  Land Requirement	5 marla (urban) or 10 marla (rural)
  Who Can Apply	Permanent residents of Punjab
  Registration Methods	Online at acag.punjab.gov.pk or DC Office

Who Can Apply? – Eligibility Criteria

Before applying, ensure you meet these requirements:

• Permanent resident of Punjab

• Must be the head of the family (as per NADRA record)

• Own 5 marla (urban) or 10 marla (rural) land

• No existing house ownership Apni Chhat Apna Ghar Scheme’s

• Must have completed the PSER survey

• Clean record (no criminal cases or bank defaults)

How to Register Online – Step-by-Step Guide

Follow these steps to register online:

1. Visit the official website: acag.punjab.gov.pk

2. Click on the Register button on the top right corner.

3. Fill in your personal details (Name, CNIC, Mobile Number, Address, Password).

4. Submit to create your account.

After account creation: 

• Log in using your CNIC and password.

• Verify your land ownership and eligibility.

• Complete the application form by providing:

  • Personal details

  • Land/property details

  • Employment and income information

  • Upload CNIC and land documents (JPG/PNG/PDF formats)

• Submit your application for review.

Offline Registration Process

If online registration is not possible for you, apply offline:

• Visit your nearest Deputy Commissioner (DC) Office.

• Go to the Apni Chhat Apna Ghar registration desk.

• Bring original documents (CNIC, land papers).

• Staff will assist you with form filling and submission.

Tip: This method is ideal for senior citizens and rural residents.

Important Tips for Applicants

• Always use your own CNIC for registration.

• Keep scanned copies of required documents ready.

• Avoid submitting any false information to prevent disqualification.

• Use a working mobile number for communication and updates.

• Regularly check your email for application status. Apni Chhat Apna Ghar Scheme’s

Final Words

The Apni Chhat Apna Ghar Scheme is a golden opportunity for families in Punjab to fulfill their dream of owning a house. Whether you apply online or offline, the process is simple, transparent, and designed to support you at every step. Apni Chhat Apna Ghar Scheme’s

Apni Chhat Apna Ghar Scheme

FAQs

Who is eligible for the Apni Chhat Apna Ghar Scheme 2025?
Permanent residents of Punjab who own 5 marla (urban) or 10 marla (rural) land and do not already own a house.

How can I apply online for the scheme?
Visit acag.punjab.gov.pk, create your account, fill in the form with personal and property details, and submit it for review.