What is Apni Chhat Apna Ghar Program 2025?
Apni Chhat Apna Ghar Program 2025 is a flagship housing initiative launched under the leadership of Punjab Chief Minister Maryam Nawaz Sharif. This groundbreaking project aims to provide financial assistance and easy loans to low-income and middle-class families who wish to build their own homes on existing land or plots. It is the first housing scheme of its kind in Punjab that directly addresses the dream of “owning a roof” for every deserving citizen.
Under this scheme, thousands of families have already benefited. Over 1,562 houses have been successfully built, while 21,797 more are nearing completion. Additionally, Rs. 26.97 billion in loans has been distributed to 25,000+ families, and a second loan installment has recently been approved for 11,500 additional families. The transparency of the program is evident from the Rs. 92.4 million recovered from the first phase of loans, showing responsible implementation and financial tracking.
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This program is a turning point for Punjab’s urban and rural development, offering long-term benefits to landowners who previously lacked the resources to construct a house. If you are also a plot owner in Punjab and are looking for financial support to build a home, this guide explains everything—from eligibility to registration.
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Who is Eligible for the Apni Chhat Apna Ghar Program?
To ensure the loans reach the truly deserving citizens, the Punjab Government has set clear and fair eligibility rules. Below are the main conditions you must fulfill to qualify:
Basic Eligibility Criteria
- You must be a permanent resident of Punjab and have a valid CNIC.
- You should own a plot between:
- 1 to 5 marla in an urban area, or
- 1 to 10 marla in a rural area.
- You should not have a criminal record or be involved in any anti-state activity.
- You must not be a loan defaulter from any government institution or bank.
These conditions are designed to ensure that only honest and genuine people are selected for this life-changing support.
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Apni Chhat Apna Ghar Program 2025 – Quick Summary Table
| Feature | Details |
|---|---|
| Program Name | Apni Chhat Apna Ghar Program 2025 |
| Launched By | Punjab Chief Minister Maryam Nawaz Sharif |
| Purpose | Provide easy loans for house construction on existing plots |
| Target Audience | Low-income & middle-class families in Punjab |
| Loan Disbursed So Far | Rs. 26.97 billion to over 25,000 families |
| Completed Houses | 1,562 constructed, 21,797 near completion |
| Eligibility Criteria | Punjab resident, own 1–5 marla (urban) or 1–10 marla (rural) plot, no default or criminal record |
| Online Application Portal | acag.punjab.gov.pk |
| Offline Registration | Available at DC Offices across Punjab |
| Required Documents | CNIC, Plot Ownership Documents, Recent Photograph |
| Support Helpline | 042-99213419, 042-99213428 |
| Email Support | info@phata.punjab.gov.pk |
How to Apply Online for Apni Chhat Apna Ghar Loan?
The registration process for this scheme is fully digital and extremely user-friendly. You can apply from your home using your mobile or computer by following these steps:
🌐 Step-by-Step Online Application Process
- Visit the official portal: https://acag.punjab.gov.pk
- Create a new account using your CNIC number and registered mobile number.
- Log in to your account and read the online affidavit. Tick the checkboxes to accept terms and conditions.
- Fill out the complete form, which includes three parts:
- Personal Information: Name, address, family details, etc.
- Property Details: Plot size, location, ownership documents.
- Loan Requirement: Mention the required loan amount.
- Upload documents such as:
- Copy of CNIC
- Property papers
- Recent photograph
- Submit the application after reviewing all the details.
Once submitted, your application will be reviewed, and you may be contacted for further verification or loan disbursement.
Don’t Have Internet? Use the Offline Registration Option
For people living in remote areas or those who are not familiar with smartphones or the internet, the Punjab Government has also set up offline registration facilities. Special desks have been arranged at Deputy Commissioner (DC) offices in all districts.
You can visit your nearest DC Office, fill out the physical registration form, and attach your required documents. The staff there will guide you through the whole process. This ensures equal access to all citizens, regardless of their digital literacy.
Contact Details for Assistance and Queries
If you face any issue during the application or have questions about the program, you can contact the official helpline or email the support team.
📞 Helpline Numbers:
- 042-99213419
- 042-99213428
📧 Email:
- info@phata.punjab.gov.pk
Support is available during working hours to guide applicants and address complaints.
Key Features of the Apni Chhat Apna Ghar Program
- Transparent loan disbursement through verified applicants.
- Support for both urban and rural plot owners.
- Separate registration options for online and offline users.
- Financial empowerment of middle and low-income families.
- Rapid construction progress with active monitoring.
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Conclusion
The Apni Chhat Apna Ghar Program 2025 is not just a loan scheme—it’s a vision of prosperity, self-reliance, and dignity. For thousands of families in Punjab, this initiative is turning the dream of owning a home into reality. Whether you’re in a rural village or an urban town, this program is designed for you.
If you meet the eligibility criteria, don’t delay—apply now either online or by visiting your local DC office. This could be the first step toward a secure and happy future for you and your family.
Frequently Asked Questions (FAQs)
Can I apply if I don’t have property ownership documents yet?
No, only verified owners of the plot (with legal documents) are eligible to apply for this loan.
Is there any deadline for registration in 2025?
As of now, no specific deadline has been announced, but it is advised to apply early to avoid delays and processing issues.
Can I apply if I already have taken a loan from another scheme?
You may not be eligible if you’re a defaulter. If your previous loans are clear and you meet all the criteria, you may still apply.
Disclaimer
⚠️ Disclaimer: This article is for informational purposes only. We are not affiliated with any government agency. For official updates, visit the official BISP website.
Note: This content is based on publicly available information. We are not affiliated with BISP or any government body. Read full disclaimer here.