Punjab Government has launched the Apni Chhat Apna Ghar Scheme 2025 to help poor and middle-class families build their own homes. If you own a small piece of land but cannot afford to build a house, this scheme is made for you. The government will offer subsidized loans and easy monthly instalments so you can finally live in your own home safely, affordably, and with dignity.
What is Apni Chhat Apna Ghar Scheme?
This is a special housing project started by Chief Minister Maryam Nawaz Sharif. The aim is to make it possible for low-income families to build homes on land they already own. The government will:
- Provide interest-free or low-interest loans
- Give up to Rs. 1 million subsidy
- Allow repayment in small monthly instalments
This scheme is not just about homes — it is about secure shelter, better living conditions, and economic growth through job creation.
Who Can Apply?
You can apply for the scheme if you meet the following conditions:
| Requirement | Details |
|---|---|
| Family Head | Must be registered as head of the family in NADRA |
| Punjab Domicile | Must have Punjab domicile on CNIC |
| Land Ownership | Own up to 5 Marla in cities or 10 Marla in villages |
| Clean Record | No criminal case or loan default |
| NSER Registration | PMT poverty score must be 60 or less |
How to Apply Online
Follow these simple steps to apply through the official portal:
- Visit: https://acag.punjab.gov.pk
- Click on “Register”
- Enter your CNIC, name, mobile number, and create a password
- Log in with your CNIC and password
- Fill the application form with:
- Personal details
- Family information
- Land ownership details
- Upload documents:
- CNIC copy
- Domicile
- NSER proof
- Land papers
- Submit the form and save your application number for tracking
District-Based Loan Quota – Fair Distribution for All
To make sure every area benefits equally, the government has set district-wise loan quotas. A total of 17,500 housing loans will be given out based on district population and need.
Here are some key district allocations:
| Region | District | Loan Quota |
|---|---|---|
| Lahore | Lahore | 1,690 |
| Faisalabad | Faisalabad | 851 |
| Rawalpindi | Rawalpindi | 600 |
| Bahawalpur | Bahawalnagar | 454 |
| DG Khan | DG Khan | 498 |
| Sahiwal | Sahiwal | 443 |
| Sargodha | Sargodha | 520 |
This method gives equal chances to both big cities and small towns.
How Will the Scheme Work?
The project is based on three flexible models, so everyone can benefit:
Model 1 – Government Land with Developer Partnership
- Developers will build full infrastructure (roads, utilities, etc.)
- Houses will be built on government-owned land
Model 2 – Private Housing Schemes
- Private societies must keep 20% land for affordable homes
- Government will give Rs. 1 million subsidy to buyers
Model 3 – Interest-Free Home Building Loans
- People with small plots get loans up to Rs. 1.5 million
- Repayment in monthly instalments over 7 years
- Loan funds are recycled to help more families
Benefits of the Apni Chhat Apna Ghar Scheme
This scheme is designed to improve lives and grow communities:
- Build your own house with government help
- Access to electricity, clean water, and better sanitation
- 100,000 homes = over 500,000 new jobs
- Reduced stress from rent and poor living conditions
- Stronger, safer, and more connected neighbourhoods
Why the District Quota Matters
Many government programs benefit big cities more than small areas. But this scheme makes sure that every district gets a fair share of the housing loans.
This helps rural areas grow, and small landowners finally build homes of their own.
Final Thoughts
The Apni Chhat Apna Ghar Scheme 2025 is a golden opportunity for low-income families in Punjab who have land but no resources to build.
With:
- Government subsidies
- Zero-interest loans
- Easy online application
You can now turn your dream into reality — a home that is truly yours.
Apply today if you meet the eligibility criteria. Get your documents ready and visit the official portal.
FAQs
What is the Apni Chhat Apna Ghar Scheme?
It is a housing program by the Punjab Government to help low- and middle-income families build their own homes with loans and subsidies.
Who can apply for this scheme?
Only residents of Punjab who own their own land and meet the income and poverty score requirements can apply.
3. How much loan can I get under this scheme?
You can get up to 1.5 million rupees as an interest-free loan for house construction.
How can I apply online?
You can apply by visiting the official website at acag.punjab.gov.pk, creating an account, filling out the form, uploading the required documents, and submitting your application.
Is there any quota for different districts?
Yes, the government has set a district-based quota to make sure loans are given fairly across Punjab.
6. Will the government build houses for me?
In some models, yes. The government will work with developers to build houses and provide them at affordable prices. In other models, you will get a loan to build your own house.
When will the loans or houses be given?
The exact dates will be announced by the Punjab Government, but distribution will happen after all applications are checked and approved.
