The Punjab government has opened up fresh registrations for the Apni Chhat Apna Ghar scheme. This program is a significant step toward assisting poor families in Punjab who already own property but cannot afford to build a home. Under this initiative, qualifying families can receive an interest-free loan of up to Rs. 15 lakh. Chief Minister Maryam Nawaz established this housing support program to assist persons who want to build their own home but do not have the funds. The plan provides both online and offline application alternatives for simple access.
| Important Point | Details |
| Loan Amount | Interest-free loan up to Rs. 15 lakh |
| Land Requirement | 5 marla (city) or 10 marla (village) |
| Application Methods | Online via website or Offline via DC office |
| Who Can Apply | Head of family, Punjab resident, landowner, no other property |
What is Apni Chhat Apna Ghar Scheme?
The Apni Chhat Apna Ghar Scheme is a special program launched for poor families who want to build a home but cannot afford it. The scheme targets those who possess a small plot of land—5 marlas in cities or 10 marlas in villages. They can now get a loan of Rs 15 lakh without any interest. The goal is to provide safe and permanent housing to families who have no home. This step by the Punjab government will help many families move from rented houses to their own homes.
Also Read: Green Tractor Scheme Registration Form April 2025 (Complete Method)
Who Can Apply for Apni Chat Apna Ghar Scheme?
- Requirement of Residency: Must be a permanent resident of Punjab
- Applicant Eligibility: Only the head of the family (as listed by NADRA) can apply
- Land Ownership: Must own land
- 5 marla in urban areas or
- 10 marla in rural areas
- No Other Property: Must not own any other house
- Survey Completion: Must have completed the PSER survey
- Clean Record: Criminals and bank defaulters are not eligible
- Character Requirement: Program is for honest, deserving citizens who want a peaceful life
How to Apply Online for Apni Chhat Apna Ghar Scheme
Applicants can apply online at acag.punjab.gov.pk. First, go to the upper right corner of the website and select “Register”. After that, enter your name, CNIC number, cellphone number, address, and password. After creating an account, log in with your CNIC and password. You must complete the full application form and provide scanned copies of your CNIC and land ownership documents. Once everything is finished, submit the form for verification. You will receive updates via mobile or email.
Apni Chhat Apna Ghar Scheme Offline Registration Process
If someone does not know how to use the internet or cannot apply online, there is an offline option too. The applicant can go to the nearby Deputy Commissioner (DC) office in their district. There will be a special desk for Apni Chhat Apna Ghar Scheme. You must take CNIC and land documents with you. The staff at the desk will help you fill the form and submit your documents. This offline process is useful for old people, villagers, and those without smartphones or internet.
Important Tips for Apni Chhat Apna Ghar Scheme Applicants
Applicants must be careful while applying.
Here are some useful tips:
- Always use your own CNIC and correct details in the form.
- Keep your land documents and CNIC scanned in JPG or PDF format.
- Do not give false information, as it can lead to rejection.
- Use a working mobile number and check it regularly for SMS updates.
Also, make sure to check your email after submitting the form. Many people forget this step and miss important updates about their application.
Also Read: How do I Check My BISP Eligibility in April 2025 – Easy Method
Conclusion
This scheme is a golden chance for poor families in Punjab who have land but no house. With this interest-free loan of Rs. 15 lakh, they can now build strong and safe home for their loved ones. The process is easy and clear, with both online and offline options available. In this article, we are sharing all the details you need to apply successfully for the Apni Chhat Apna Ghar Scheme. Take the first step today and make your dream of having your own home come true.
FAQs
Can I apply if I am a widow and own land?
Yes, widows who are heads of the family and meet the land ownership condition can apply.
Will I need a bank account to receive the loan?
Yes, a valid bank account will be required later to receive the loan amount.
Is there any fee for registration in the scheme?
No, the registration is completely free whether you apply online or offline.
How long does it take to get approval after submitting the form?
It depends on the review process, but applicants will be updated through SMS or email within a few weeks.