Apni Chhat Apna Ghar Scheme 2025 – Complete Overview, Eligibility & Online Application Guide

Apni Chhat Apna Ghar Scheme 2025 – Complete Overview, Eligibility & Online Application Guide

The Apni Chhat Apna Ghar Scheme 2025 is a groundbreaking housing initiative launched by the Chief Minister of Punjab to make homeownership a reality for low- and middle-income families. The scheme aims to construct 100,000 affordable houses and apartments across Punjab, representing one of the province’s largest-ever housing development projects.

Designed especially for families currently living in rented or informal settlements, this program helps them move into safe, permanent homes with access to all basic facilities. Construction will be completed in four and a half years through three execution models, ensuring speed, quality, and inclusivity.

The Punjab Housing and Town Planning Agency (PHATA) is responsible for implementing the project, while the Housing, Urban Development & Public Health Engineering Department (HUD&PHED) oversees its administration and progress.

Key Benefits of the Apni Chhat Apna Ghar Program

The program isn’t just about providing houses — it’s a step toward economic empowerment and community uplift. Here’s what it promises to deliver:

• Affordable and permanent housing for low-income families
• Improved living standards with access to clean water, sanitation, and electricity
• Reduced overcrowding and informal settlements in urban areas
• Safer and well-planned neighborhoods with better infrastructure
• Enhanced social inclusion and community stability
• Massive job creation, generating nearly 500,000 new employment opportunities in the housing and construction sectors

By addressing both social and economic challenges, this program contributes directly to Punjab’s sustainable development goals.

Eligibility Criteria for Apni Chhat Apna Ghar Scheme

Applicants must meet the following conditions to qualify for the program:

1. Head of Family:
   The applicant must be the head of their household, as verified by NADRA records.
2. Punjab Residency:
   Must be a permanent resident of Punjab, confirmed through CNIC.
3. Land Ownership:
   Should own or possess land measuring up to:
   • 5 Marla (urban areas)
   • 10 Marla (rural areas)
     The applicant must intend to build a home on their own land.
4. Clean Record:
   Must not have a criminal background or be involved in anti-state or serious criminal cases.
5. Financial Responsibility:
   Should not be a loan defaulter of any bank or financial institution.
6. Economic Eligibility:
   Must be registered with the National Socio-Economic Registry (NSER) and have a Poverty Means Test (PMT) score of 60 or below.

These criteria ensure that only genuinely deserving families benefit from this initiative.

How to Apply Online for the Apni Chhat Apna Ghar Scheme 2025

Eligible applicants can easily apply online by submitting the Citizen Registration Form available on the official website:
👉 acag.punjab.gov.pk

Follow these steps to complete your application:

1. Visit the official website and click “Apply Online” or “Citizen Registration Form.”
2. Enter your personal details and CNIC number accurately.
3. Upload any required supporting documents, if prompted.
4. Double-check all the information before submitting.
5. After successful submission, you’ll receive a confirmation message or tracking number for future updates.

This online process ensures transparency and accessibility for all eligible citizens across Punjab.

Project Timeline and Implementation

The Punjab government has committed to constructing 100,000 houses across the province within 4.5 years.

To ensure fast and fair execution, the scheme will follow three distinct models:

1. Public Sector Development Model – Houses built directly under government supervision
2. Public-Private Partnership Model – Collaboration with private developers
3. Self-Construction Support Model – For individuals building on their own plots with subsidized assistance

Each model is designed to maintain quality, affordability, and transparency, ensuring that every home meets modern standards.

For More Information and Support

For complete details, online registration, and regular updates, visit the official government website:
👉 https://acag.punjab.gov.pk/index.aspx

You can also stay updated through:

• Official Punjab Government social media pages
• Local housing offices and PHATA centers across the province

For inquiries or assistance, you can contact the Housing, Urban Development & Public Health Engineering Department (HUD&PHED).

Final Thoughts

The Apni Chhat Apna Ghar Scheme 2025 is a visionary step toward making housing accessible and affordable for every deserving family in Punjab. By combining digital transparency, clear eligibility criteria, and sustainable construction practices, this program represents a strong commitment to public welfare.

For thousands of families who have long dreamed of owning their own home, this scheme opens the door to a secure and dignified future — truly living up to its name:
“Apni Chhat, Apna Ghar