Apni Chhat Apna Ghar Program 2025
Apni Chhat Apna Ghar Program 2025 is one of the most ambitious housing schemes launched under the leadership of Chief Minister Maryam Nawaz Sharif. It targets thousands of low-income families in Punjab who are unable to afford homes of their own. With the rising cost of real estate and construction, many families struggle to move beyond rented homes. This initiative addresses that exact need by providing easy home loan options and housing support to people who already own a small plot of land but lack financial resources to construct a house.
The program’s aim is to build 100,000 affordable homes over the next 4.5 years across Punjab. Registration for this program has officially started via the online portal acag.punjab.gov.pk, and residents of Punjab are encouraged to apply as soon as possible. In this detailed guide, we’ll explain who is eligible, how to apply online and offline, what documents are needed, and how the entire process works.
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What Is the Apni Chhat Apna Ghar ACAG Program?
The Apni Chhat Apna Ghar Program is a state-run low-cost housing initiative. It is designed to help those families in Punjab who cannot afford to buy or construct a house. If a family already owns a piece of land but lacks the financial means to build on it, this scheme offers them a path to achieve that dream through structured support and easy-to-access loans. This housing program is being implemented by the Punjab Housing and Town Planning Agency PHATA and supervised under the Development and Public Health Engineering Department.
The homes constructed under this program will not only be cost-effective but also environment-friendly, ensuring sustainable living. By helping families get ownership of their homes, the Punjab government aims to promote dignity, stability, and financial security.
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Main Features of the Program
- Construction of 100,000 homes over 4.5 years
- Preference for low-income and land-owning families
- No NSER requirement for applicants
- Managed by PHATA and monitored by the Punjab government
- Loans and technical assistance for constructing homes on self-owned land
- Simple, user-friendly online application system
Eligibility Criteria for Apni Chhat Apna Ghar Program 2025
Only those applicants who meet the eligibility conditions will be considered for the program. The government has set clear guidelines to ensure transparency and that only deserving citizens benefit from this scheme.
Eligibility Requirements Include:
- Must be a permanent resident of Punjab
- Must be the head of the household as per NADRA record
- Applicant or family should not own any other house
- Should own a maximum of 5 Marla land in urban areas or 10 Marla in rural areas
- Must not be a defaulter of any bank, microfinance institution, or financial body
- Applicant should have no criminal background or be involved in anti-state activities
- NSER registration is not mandatory anymore
- Families residing on rent or with self-owned land but no house are highly encouraged to apply
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Step-by-Step Guide to Register on acag.punjab.gov.pk
Online registration is simple and has been made accessible for all citizens of Punjab. The government has introduced a dedicated web portal where applicants can create accounts, fill out forms, and upload documents without needing to visit any office.
Steps to Register Online:
- Go to the official website acag.punjab.gov.pk
- Click on the “Register” option in the top-right corner
- Fill out the Citizen Registration Form with details such as:
- Full Name
- CNIC Number
- Father’s/Husband’s Name and CNIC
- Gender
- Email Address
- Mobile Number and Network
- Complete Address (Division, District, Tehsil, City)
- Create a secure Password
- After filling all required fields, click on the Register button
Once your account is successfully created, you can proceed to log in and complete your application.
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ACAG Program Login and Application Form Guide
After registration, log in using your CNIC number and password to access the application form. A self-declaration certificate will appear, where you’ll need to confirm the following:
- You are a permanent resident of Punjab
- You or your family do not own a home
- You possess a small piece of land, either urban (5 Marla) or rural (10 Marla)
Once confirmed, you can begin filling out your application form, which is divided into multiple sections.
Form Sections:
- General Information
- Property Details
- Socio-Economic Information
Take your time to provide complete and accurate information. Errors or false entries may result in rejection.
Documents Required for Upload
You must upload scanned copies of the following documents. Ensure that the file size does not exceed 1MB and that all files are in JPG, PNG, or PDF format:
- Front and back sides of your CNIC
- Land Ownership Document (Registry or Intiqal)
- Recent passport-sized photograph
Uploading incorrect or blurry documents may delay your application approval.
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Final Submission
Once all sections are complete and documents are uploaded, you will be shown a final review and comments section. Here, you may add any personal notes or financial difficulties that could support your case. After reviewing your complete application, click the Submit button.
Your application will be reviewed by PHATA and relevant authorities. If shortlisted, you may be contacted for the next steps, including technical surveys and loan assistance.
Offline Registration For Those Without Internet Access
The government understands that not all citizens have access to the internet or digital devices. To accommodate such applicants:
- Visit your nearest Deputy Commissioner (DC) Office
- Go to the ACAG Program Registration Desk
- Provide your CNIC and land documents
- Staff will assist you in filling out the application form
This facility ensures that every eligible family, regardless of their digital access, can benefit from this program.
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ACAG Contact and Support Information
If you face any problems while applying or have questions about eligibility, use the following contact details:
- Official Website: https://acag.punjab.gov.pk
- Phone Numbers: 042-99213419, 042-99213428, 0800-09100
- Email: [email protected]
You can also visit your local DC office for one-on-one support.
FAQs
Is this scheme free of cost?
Yes, registration is completely free. There are no application or hidden charges.
Can someone outside Punjab apply?
No, the scheme is only for permanent residents of Punjab.
Do I need to be NSER registered?
No, NSER registration is not required anymore.
Is land ownership necessary?
Yes, the applicant must already own land to be eligible for housing construction support.
Final Thoughts
The Apni Chhat Apna Ghar Program 2025 is a historic initiative that brings hope to thousands of land-owning yet homeless families in Punjab. If you are among those who live in rented houses or own land but cannot afford to build your dream home, this is the opportunity you’ve been waiting for. With a transparent process, simple online registration, and dedicated government support, owning your own home is no longer just a dream.
Visit acag.punjab.gov.pk today to begin your journey toward home ownership. Make sure to provide accurate details and submit all required documents. For those without internet, help is just a DC office away