The Apni Chhat Apna Ghar Program is a major initiative by the Punjab Government under the leadership of Chief Minister Maryam Nawaz Sharif. This scheme offers financial support to low-income families who own land but lack resources to build homes. Thousands of families have already received assistance to begin construction. In this article, you’ll find complete details on how to apply, eligibility criteria, and both online and offline registration processes.
✨ Key Information About the Program
| Important Area | Details |
|---|---|
| ✅ Total Homes Completed | 1562 houses built |
| 💰 Total Loans Issued | Rs. 26.97 billion to 25,000+ families |
| 🌐 Online Registration Link | acag.punjab.gov.pk |
| 🏢 Offline Registration Point | Deputy Commissioner Office in each district |
🏠 What Is the Apni Chhat Apna Ghar Scheme?
This scheme provides loans to help people build homes on their own land. It’s mainly for individuals who own a plot but cannot afford construction. More than 1562 homes are already completed, and over 21,000 are in progress. The government ensures a quick and transparent loan process, making it a perfect opportunity for families with limited income to own a house.
✅ Who Can Apply – Eligibility Requirements
To be eligible, you must fulfill certain conditions:
📍 Be a permanent resident of Punjab
🧾 Own a plot: 5 marla in cities or 10 marla in rural areas
🚫 Have no criminal background
💳 Not be a defaulter of any bank or institution
These rules help ensure that only honest and eligible families benefit from the scheme.
Read More :How to Apply for the Asaan Karobar Finance Scheme 2025
🖥️ How to Apply Online for ACAG Program
The online registration process is easy and can be done from home:
🌐 Go to: https://acag.punjab.gov.pk
✍️ Create an account with basic personal details
✔️ Accept the conditions in the affidavit
📄 Fill in your property and loan details
📎 Upload scanned CNIC and property papers
✅ Submit your application after reviewing
You don’t need to visit any office or pay an agent. Everything is free and transparent.
📝 Offline Registration – For Those Without Internet
If you can’t apply online, you can register in person.
🏢 Visit your district’s Deputy Commissioner Office
💼 Go to the ACAG registration desk
📄 Fill out the form manually and attach required documents
👨💼 Staff will help you throughout the process
This makes sure even those without digital access can benefit from the program.
📋 Required Documents for Registration
Before you apply, prepare these important documents:
🆔 Copy of CNIC
🏡 Plot ownership documents
❌ Bank clearance (you’re not a defaulter)
🖼️ One recent passport-size photo
Make sure all documents are clear and updated to avoid delays.
⭐ Why This Scheme Is a Great Opportunity
This program provides real hope to families across Punjab:
✅ It helps people with land but no funds to build
🏠 Encourages home ownership among lower and middle-class
🔒 The process is safe, fast, and transparent
👨👩👧👦 Women can also apply if the land is in their name
🔄 Both online and offline methods are available
It’s a chance to turn your dream of owning a house into reality.
✅ Conclusion
The Apni Chhat Apna Ghar Program is a helpful and inclusive effort by the Punjab Government for April 2025. Whether you apply online or offline, the process is simple and 100% free. If you own a plot and meet the eligibility conditions, this is the best time to start building your home with government support.
Read More:CM Punjab 3 Marla Plot Scheme –How To Apply!
❓ Frequently Asked Questions (FAQs)
Q1: Can I apply if I already have a small house and want to upgrade?
❌ No. This scheme is only for people who have no built house.
Q2: Do I need to pay anything to apply?
💸 No, applying is completely free.
Q3: Can women apply in their own name?
✅ Yes, if the land is in their name and all criteria are met.