Apni Chhat Apna Ghar Program 2025
Punjab Chief Minister Maryam Nawaz Sharif has allocated a budget for the second phase of the “Apni Chhat Apna Ghar Program 2025“. The Punjab government says that they have allocated an amount of Rs 150 billion for the “Apni Chhat Apna Ghar Program 2025” in the current year 2025-26, through which they will provide interest-free loans of Rs 1.5 million to 50,000 people for the construction of houses.
It should be remembered that this loan is interest-free, which you have to repay to the Punjab government. Maryam Nawaz Sharif says that through this program, they will provide loans to deserving families in the province of Punjab for the construction of one hundred thousand houses. If you also want to get an interest-free loan by registering yourself in the “Apni Chhat Apna Ghar Program 2025” provided by the Punjab government, then for this, you have to register your account on the ACAG portal.
CM Punjab Ration Card Online Registration 2025 – Eligibility and Ineligibility Criteria Explained
The details of account registration, eligibility, and required documents are being explained below, by following which you will be able to successfully submit your application through the “Apni Chhat Apna Ghar” portal, so read the article from beginning to end.
Key Benefits of the Apni Chhat Apna Ghar Program 2025
- Target: Construction of 100,000 homes
- Focus: Low-income, deserving, and homeless families
- Interest-Free Loan: Up to Rs. 15 lakh per family
- Step-by-Step Disbursement: Funds will be given in phases during construction
Who is Eligible for the Apni Chhat Apna Ghar Program 2025?
To qualify for this scheme, you must meet the following criteria:
- Be a permanent resident of Punjab
- Do not already own a personal house
- Own at least 5 marla urban or 10 marla rural land
- Be the head of your family
- Have a valid CNIC issued by the Government of Pakistan
- Not be involved in any criminal activity
- Your monthly income must be less than Rs. 60,000
If you meet all these conditions, you are eligible to apply for the program and receive the loan.
Punjab Solar Panel Scheme Balloting Result Check Online and Installation Process Explained
Documents Required for Registration
To apply for the Apni Chhat Apna Ghar Program 2025, you will need to submit the following documents:
- CNIC (Front & Back) photos
- Proof of property ownership (urban/rural land)
- Bank statement (optional)
- Personal information such as:
- Name
- Father’s name
- CNIC number
- Mobile number
- Current and permanent address
- Email address
If you do not have a bank statement, you can skip it or submit a short review or feedback instead.
How to Apply for Apni Chhat Apna Ghar Program 2025 – Step-by-Step Guide
To apply for the program, follow these simple steps on the official ACAG portal:
Step 1: Visit the ACAG Portal
Go to the official portal provided by the Government of Punjab, acag punjab gov pk.
Step 2: Create Your Account
Register using the following information:
- CNIC number
- Mobile number
- Full name
- Father’s name
- Email address
- Create a password
Step 3: Log in to Your Account
Use your CNIC number (your username) and password to log in.
Step 4: Fill in Your Details
Enter your personal information, including:
- Your complete name
- Your CNIC number
- Your father name
- Father’s CNIC number
- Current and permanent address
- Mobile number
- Email Address
Step 5: Upload Required Documents
Upload scanned copies of:
- CNIC (front and back)
- Proof of land ownership
- Bank statement (optional)
Step 6: Final Review and Submit
- Carefully review your application
- Make sure all information is correct
- Click on Submit
Himmat Card Schemes 2025 – Financial Help, Free Travel & Jobs for Disabled Citizens of Punjab
What Happens After You Apply?
Once your application is submitted:
- The Punjab government will review your eligibility
- If approved, you will be contacted for loan disbursement
- Funds will be released in phases as your house construction progresses
- Many families have already started construction under this scheme
Frequently Asked Questions (FAQs)
What is the Apni Chhat Apna Ghar Program 2025?
It is a scheme of the Punjab government under which low-income families are given interest-free loans to build houses.
How much budget has been allocated for Phase 2?
Rs 150 billion has been allocated in the financial year 2025-26.
How much loan will each family get?
A maximum of Rs 1.5 million, completely interest-free, which has to be repaid to the government.
What are the basic eligibility conditions in the Apni Chhat Apna Ghar Program 2025?
Be a permanent resident of Punjab, do not have a personal house, have 5 marla urban or 10 marla rural land, be the head of the family, have a CNIC, have a monthly income of less than Rs 60,000, and have no criminal record.
Is it necessary to own land for the ACAG Program?
Yes, ownership of 5 marla (urban) or 10 marla (rural) land is mandatory.
Is a bank statement mandatory for registration?
No, a bank statement is optional; If not, you can leave the “Review or Feedback” box blank.
What documents are required to apply to the ACAG Program?
Front and back photos of CNIC, land proof, and other personal information; Bank statement is optional.
How do I apply to the Apni Chhat Apna Ghar Program 2025?
Create an account on the ACAG portal, enter the information, upload documents, check the application, and click “Submit”.
What happens after applying?
The government will check the eligibility; on approval, the loan will be released in phases with construction.
How is the money released under ACAG?
The funds are released in installments according to the progress of the construction work.
Final Thoughts
The Apni Chhat Apna Ghar Program 2025-26 is a golden opportunity for low-income families in Punjab to own their dream homes. With no interest, easy registration, and direct government support, this scheme helps uplift lives and reduce housing issues in the province. If you are eligible, do not miss out. Register now on the ACAG portal and take the first step toward building your own home with dignity.