The Apni Chhat Apna Ghar Program is one of the most impactful housing initiatives launched by the Punjab Government, designed specifically to support low and middle-income families who dream of owning a home but lack financial resources. Instead of relying on expensive bank loans or informal borrowing, applicants can now receive interest-free loans under this scheme, making home ownership a reality even for those with limited income.
This housing programme does not follow a one-size-fits-all approach. Whether you are living in a rented house, staying with relatives due to financial constraints, or owning a small piece of land but struggling to build on it — ACAG offers solutions for every category. From plot-based construction assistance to complete housing support, the scheme aims to eliminate homelessness and uplift financial stability across Punjab.
In this detailed guide, we will explain the complete process of applying for Apni Chhat Apna Ghar, including who is eligible, which documents are required, how online and offline registration works, how loans are approved, and how you can track your application step by step. Whether you’re applying for the first time or waiting for verification, this article will answer all your questions in the simplest way possible.
What is the Apni Chhat Apna Ghar Program?
Apni Chhat Apna Ghar Overview
The Apni Chhat Apna Ghar program, also known as ACAG, is part of the Punjab Government’s efforts to improve the living standards of low-income families. Through this program, the government provides interest-free loans to eligible families, allowing them to build their own homes on their land. The program targets those who struggle to afford traditional housing loans.
The CM Punjab Apni Chhat Apna Ghar Scheme 2025 aims to create a pathway for these families to move from renting homes to owning one. Phase 2 of the Apni Chhat Apna Ghar Scheme was launched to reach even more families, with new benefits and a streamlined process for applicants.
ACAG Apni Chat Apna Ghar Scheme Latest Update 2025-26
Apni Chhat Apna Ghar Eligibility Criteria
Who is Eligible for the Apni Chhat Apna Ghar Scheme?
To apply for Apni Chhat Apna Ghar, you must meet certain eligibility criteria. These include:
- Residency Requirement:
- You must be a resident of Punjab and have proof of your residential status.
- Land Ownership:
- You should own a plot of land in Punjab. The land must be:
- 1-5 marlas in urban areas
- 1-10 marlas in rural areas
- You should own a plot of land in Punjab. The land must be:
- Income Level:
- Preference is given to low-income families, typically with monthly income below PKR 60,000.
- No Prior Home Ownership:
- Applicants should not have previously owned a house. This is one of the core criteria, as the program aims to provide housing solutions to those without homes.
- PMT Score:
- The PMT score for the applicant must be 60 or below. The PMT score ACAG determines the financial need of the applicant.
- NADRA Registration:
- The applicant must be registered with NADRA and listed as the head of the family.
How to Apply for Apni Chhat Apna Ghar (ACAG)?
Online Registration for Apni Chhat Apna Ghar – Complete Guide
Applying for the Apni Chhat Apna Ghar (ACAG) scheme is now easier than ever, thanks to the government’s fully digital registration process. Whether you are applying for the first time or updating your previous application, you can follow the steps below to complete your registration without any hassle.
✅ Step 1: Visit the Official Registration Portal
- Open your browser and go to acag.punjab.gov.pk.
- Make sure the URL is correct — do not use unofficial or fake websites, as many scammers circulate false links.
✅ Step 2: Create Your Account (If You’re a New User)
- Click on “Sign Up” or “Register Now”.
- You will be asked to provide:
- CNIC Number (Without Dashes)
- Mobile Number (Registered on Your CNIC)
- Basic Personal Details (Name, Date of Birth, etc.)
- You will receive an OTP via SMS for verification. Enter it to activate your account.
Tip: Make sure your SIM is registered in your name, otherwise you may not receive the verification code.
✅ Step 3: Login and Open the Application Form
- After verification, log in using your CNIC and password.
- Click on “Apply for Housing Scheme / Loan”.
- A detailed application form will open.
✅ Step 4: Fill in the Required Information
You will be required to enter:
| Section | Information Required |
|---|---|
| Personal Details | Name, CNIC, Family Members, Marital Status |
| Income Details | Monthly Salary / Business Income / Government Assistance |
| Living Condition | Own House / Rented / Joint Family |
| Property Details | If you already own any land or plot |
| Preferred Location | City or District where you wish to get a house |
Important: Enter only accurate information. Any mismatch during verification may result in application rejection.
✅ Step 5: Upload Your Documents
Your documents must be clear and readable. Upload in JPG or PDF format.
| Required Document | Purpose |
|---|---|
| CNIC (Front & Back) | Identity Verification |
| Salary Slip / Income Proof | Eligibility Check |
| Rent Agreement or Ownership Papers | Residence Status Verification |
| PMT Score or BISP Card | Poverty Score Confirmation |
✅ Step 6: Review and Submit Your Application
- Once all fields are filled, click “Preview” to double-check your information.
- If everything looks correct, press “Submit”.
- You will instantly receive an Application Tracking Number.
Save this number — you will need it later to track your application status.
✅ Offline Registration Option (No Internet? No Problem!)
If you cannot apply online, you can visit your nearest registration center, such as:
- ACAG Facilitation Centers
- Punjab Bank Branches (if authorized)
- District Housing Support Offices
Take the required documents, and the staff will fill out and submit your application for you.
✅ After Submission – What Happens Next?
Once your application is submitted:
House / Plot Allotment or Construction Grant – Final step before possession.
Initial Screening – Your details will be checked in the database.
Verification Phase – Your income, CNIC, and PMT score will be verified.
Shortlisting / Balloting – If eligible, your name may appear in the selected candidates list.
Loan Processing & Approval – Banks will process the financial part.
Apna Ghar Scheme – Online Registration Last Date
When is the Last Date for Apni Chhat Apna Ghar Registration?
The Apna Ghar Scheme Online Registration 2025 will have a last date for applications that will be announced on the official website. Ensure you apply well before the deadline to avoid missing out on this opportunity. It is important to keep checking for updates on Apna Ghar Apni Chat application status check and make sure all your documents are ready.
What Happens After Your Application is Submitted?
Apni Chat Apna Ghar Registration Status Check
After submitting your Apni Chat Apna Ghar application, the next step is the verification process. Here’s what happens:
- Application Review:
- Your application will be reviewed by ACAG Punjab officials. This includes verifying your PMT score, income documents, and land ownership.
- Balloting Process:
- Once your application is verified, your name will be entered into the balloting process. Apni Chat Apna Ghar PMT score check is a key factor in this process.
- Loan Disbursement:
- After selection, the loan amount will be disbursed in phases based on the progress of construction.
How to Check the ACAG Application Status?
ACAG Application Status Check
To check your ACAG application status, follow these steps:
- Visit the ACAG Portal:
- Go to the official ACAG portal acag.punjab.gov.pk.
- Login:
- Use your credentials to login to your account.
- View Your Status:
- You will be able to see whether your application has been approved and the next steps in the process.
Apni Chhat Apna Ghar Loan Details
One of the biggest advantages of the Apni Chhat Apna Ghar (ACAG) Scheme is that it offers interest-free financial assistance, making it far more affordable than traditional bank loans.
✅ Loan Amount
- Eligible applicants can receive up to PKR 1.5 million (15 lakh) in construction or home-building support.
- The exact loan amount depends on:
- Size of the land (plot size)
- Type of construction (single-storey / double-storey)
- Estimated cost of materials and labour
In some cases, additional assistance may also be provided in the form of building materials or technical guidance instead of direct cash disbursement.
✅ Repayment Period
- The loan is repaid across 7 years, giving applicants sufficient flexibility to manage their finances.
- There is no markup or hidden charges, making it 100% interest-free.
✅ Monthly Installment Structure
The repayment plan is designed to match the financial capacity of low-income and middle-income households. On average:
| Loan Amount | Estimated Monthly Installment | Repayment Duration |
|---|---|---|
| PKR 500,000 | PKR 8,000 – 12,000 | 7 Years |
| PKR 1,000,000 | PKR 14,000 – 18,000 | 7 Years |
| PKR 1,500,000 | PKR 20,000 – 26,000 | 7 Years |
Note: The final installment amount may slightly vary depending on the construction stage and loan disbursement structure approved by the bank or ACAG authority.
✅ What If Someone Fails to Pay on Time?
- In most cases, applicants are given grace periods to manage missed payments.
- However, consistent non-payment may lead to cancellation of further installments or withholding of NOC for house completion.
Frequently Asked Questions (FAQs) – Apni Chhat Apna Ghar Registration:
Is there any helpline for assistance?
Yes, you can contact the official ACAG support center through the helpline number provided on their website.uestions
What is Apni Chhat Apna Ghar Scheme?
It is a Punjab Government housing scheme that provides interest-free or low-cost loans to low and middle-income families for building or purchasing homes.
Who can apply for this scheme?
Any Pakistani citizen living in Punjab with a valid CNIC, a stable income source, and who does not already own a proper house can apply.
Is online registration mandatory?
Yes, online registration is preferred, but offline registration is also available at ACAG facilitation centers.
What is the official website for registration?
The official website is acag.punjab.gov.pk.
What documents are required?
CNIC, income proof, PMT scorecard or BISP registration, property documents (if any), and recent utility bills.
Can I apply without a PMT score?
No, PMT score is necessary as it helps determine your eligibility based on your poverty level.
How do I check my PMT score?
You can visit the nearest BISP Tehsil Office or send your CNIC to 8171 to check eligibility.
Can government employees apply?
Yes, if their income falls within the eligibility criteria set by ACAG.
Can widows or divorced women apply?
Yes, special preference is given to widows, orphans, and female-headed households.
Is there any registration fee?
No, registration is completely free. Avoid paying anyone for form submission.
What happens after submitting the application?
Your information goes through verification, and shortlisted applicants are contacted for further processing.
How will I know if I am selected?
You will be notified via SMS, email, or through the online portal under the “Application Status” section
Can I edit my application after submission?
No, once submitted, you cannot edit. However, you can reapply if the correction window opens.
How much loan amount will be provided?
The loan amount varies based on your income and housing requirement — usually between Rs. 500,000 to Rs. 3 million.
Is the loan interest-free?
Yes, in most cases it is interest-free or very low-markup depending on category and income level.
What if I don’t own land?
You can still apply for apartment or government-provided plots, depending on availability.
Can I apply on someone else’s CNIC?
No, only self-owned CNIC holders can apply.
How long does the approval process take?
The verification and approval process may take 1 to 3 months, depending on your eligibility.
What happens if my application is rejected?
You can apply again in the next phase or submit missing documents if requested
ACAG Complaints Portal and Support
ACAG Complaint Portal
If you face any issues or have complaints regarding your application, you can visit the ACAG complaint portal available on the official website. The portal allows users to file complaints regarding ACAG application status, documentation, or other queries related to the scheme.
Conclusion – Apni Chat Apna Ghar scheme
The Apni Chhat Apna Ghar scheme provides a significant opportunity for low-income families to become homeowners with interest-free loans. By following the application process, meeting the eligibility requirements, and ensuring your documents are in order, you can take the first step toward owning a home.
Stay updated with the latest news on the Apni Chat Apna Ghar scheme, and be sure to apply before the last date for online registration. Visit the official ACAG Punjab website for more details and to check your application status.