Apni Chhat Apna Ghar Program – September 2025 Update

Apni Chhat Apna Ghar Program

The Punjab government has taken a big step for the people and has launched the “Apni Chhat Apna Ghar Program”. The aim of this scheme is to provide housing facilities to people who live in rented houses or are forced to adopt substandard and temporary accommodation. Under this program, one lakh affordable houses and apartments will be constructed in the next four and a half years.

This project is a historic development in the housing sector of Punjab that will provide their own homes to the low-income group. This program is being run under the Punjab Housing and Town Planning Agency while the Housing, Urban Development and Public Health Engineering Department will monitor it.

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Possible Outcomes Of The Program

This scheme is not limited to the construction of houses only, but it will also have many positive effects:

• The living conditions of low-income families will improve.
• There will be a reduction in slums and overcrowded areas.
• There will be better access to basic amenities like clean water, electricity and sanitation.
• Community safety and social stability will increase.
• Construction of one lakh houses will create about five lakh employment opportunities.
• The economy will benefit both directly and indirectly.

Eligibility Criteria

To apply for the program, citizens must meet the following conditions:

• The applicant must be the head of his family (as per NADRA records).
• The applicant must have a permanent address in Punjab (as per identity card).
• The applicant must have 5 marla or less land in urban areas, or up to 10 marla land in rural areas, where he wants to build a house.
• The applicant must have no criminal record and must not be involved in any serious crime or anti-state activity.
• Must not be a defaulter in any bank or financial institution.
• The applicant must be registered with the National Socio-Economic Registry (NSER) and have a PMT score of 60 or less.

How to Apply Online In Apni Chhat Apna Ghar Program

• If you meet all the conditions, then applying is very easy.
• First, visit the official website of the program: acag.punjab.gov.pk
• Fill in the Citizen Registration Form with correct information.
• Upload your land and identity documents.
• After submitting the form, you will get a registration number which you should keep safe.

Latest Update September 2025

It should be remembered that under the Apni Chhat Apna Ghar program, the Punjab government is providing interest-free loans ranging from Rs 100,000 to Rs 1.5 million. The scheme is progressing rapidly and according to recent data, 28,219 houses have been approved in just five months, while more than 23,500 houses are nearing completion. The monthly installment for repayment of the loan has been fixed at Rs 14,000, however, in view of convenience, no installment will be paid for the first three months.

To join this scheme, the candidate must own at least ten marla of land in the village or five marla of land in the city. The registration process can be completed only online or through the registration desks established in the service centers of the Punjab government. This update is a golden opportunity for low-income families to turn their dream of a house into a reality.

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Conclusion

“Apni Chhat Apna Ghar Program” is a revolutionary step by the Punjab government aimed at providing decent housing to the people. This scheme will not only fulfill the dreams of low-income families but will also play a significant role in the economy and social development of the province. If you are eligible, apply today and turn your dream of a personal home into a reality.