Apni Chhat Apna Ghar Application Process 2025

The Punjab government has started the fee-based registration process under the Apni Chhat Apna Ghar Application Process 2025. Under which the Punjab government is providing a loan of up to Rs 1.5 million for the construction of a new house. The Punjab government has committed to completing one lakh houses in four years.

More than 51,000 houses have completed their houses under this scheme. More than 45,000 houses are currently being built. The registration process is also very easy. You first have to complete your profile. After that, a registration form will open for you. You have to enter all the information in detail in it. After that, the Punjab government will complete the process of verifying your information.

After that, if you are eligible, you will be given a loan of up to Rs 1.5 million by the Punjab government. Which you have to pay in easy installments over seven years. To know more information and details, stay connected with this article so that you can register easily. Get more information.

What is the Apni Chhat Apna Ghar Program?

Apni Chhat Apna Ghar is a housing scheme launched to facilitate those who own land but do not have the financial resources to build a house. The Punjab Government is offering interest-free loans of up to Rs. 15 lakh under this scheme. This initiative is part of CM Maryam Nawaz’s vision to build 100,000 homes for the poor.

Key Features:

Loan amount: Up to Rs. 1.5 million (Rs. 15 lakh)
Target: 5 Marla (urban) and 10 Marla (rural) plot owners
Loan is completely interest-free
Only available for Punjab residents

Also Read: BISP 8171 August 2025 Payment Start for Registered Verified Women

Who Can Apply – Complete Guide

Before starting the Apni Chhat Apna Ghar application process, make sure you meet the following conditions:

Must be the head of household (verified by NADRA)
Permanent resident of Punjab
Own a 5 Marla (urban) or 10 Marla (rural) plot
Must not own a built house
Have completed the PSER survey
Not a defaulter of any bank
No involvement in criminal activities

Step-by-Step Online Registration Process at acag.punjab.gov.pk

If you meet the eligibility criteria, you can proceed to apply online. Here’s how:

Step 1: Visit the Official Portal

Go to acag.punjab.gov.pk.

Step 2: Register an Account

Click on the ‘Register’ button
Fill in your:
- Full Name
- CNIC Number
- Father/Husband’s Name & CNIC
- Gender
- Email and Mobile Number
- Division, District, Tehsil, City
- Password and confirm it

Make sure the information matches your documents.

Step 3: Login to Your Account

Use your CNIC and password to log in
Confirm that:
- You are a Punjab resident
- You do not own a house
- You own eligible land (5/10 Marla)
Agree to the terms and proceed

Step 4: Fill Out the Application Form

The form has 3 main sections:

Personal Details
- Date of Birth
- Marital Status
- Spouse’s Name & CNIC
- Alternate Contact Number
Property Details
- Type of land (urban/rural)
- Plot size and location
- Ownership type (self, parent, etc.)
- Nearby landmarks
Income Details
- Monthly income
- Employment type
- Spouse’s income (if applicable)
- Income source (fixed salary, daily wage, etc.)

Step 5: Upload Documents

Upload the following in JPG, PNG, or PDF (under 1MB):

CNIC (Front and Back)
Land ownership document

Step 6: Final Submission

Once all fields are complete and documents uploaded, submit the form. Your application will go for official review.

How to Apply Offline for Apni Chhat Apna Ghar

If you do not have internet access or digital literacy, you can apply manually:

Visit your local Deputy Commissioner (DC) Office
Go to the Apni Chhat Apna Ghar desk
Bring required documents:
- Original CNIC
- Copy of land ownership papers
A staff member will assist you with the application

This method is useful for older individuals, rural citizens, and people without smartphones or internet.

Tips for a Successful Application

Use your own, active mobile number and email
Double-check CNIC and land ownership info
Do not provide false information (leads to rejection/legal action)
Keep scanned documents ready before starting online form

Loan Terms and Usage

The loan can only be used for construction of the house
Monitoring teams may visit to ensure funds are used correctly
Further updates will be sent to your registered number/email

Frequently Asked Questions (FAQs)

Q1: What if I do not own land?
Unfortunately, you are not eligible. This scheme is for landowners only.

Q2: Is the loan truly interest-free?
Yes, the Punjab government is offering a 100% interest-free loan.

Q3: Can I apply if I live on rent but own land?
Yes, if you own the land and meet other criteria, you can apply.

Q4: How will I know if my application is approved?
You will receive a notification via SMS or email.

Q5: What file size and format is accepted for uploads?
JPG, PNG, or PDF under 1MB.

Final Thoughts

The Apni Chhat Apna Ghar Application Process is an incredible opportunity for low-income families in Punjab. If you have a plot but no financial support to build a home, now is your chance. Whether you apply online via acag.punjab.gov.pk or visit the DC office, the process is simple and accessible.

Take the first step toward owning a safe and dignified shelter for your family. Apply today and make your dream home a reality under CM Maryam Nawaz’s visionary program.

Apni Chhat Apna Ghar Application Process 2025 – Complete Registration Guide via acag.punjab.gov.pk

ByTehreemFatima