Apni Chhat Apna Ghar Scheme Online Registration April 2025

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Apni Chhat Apna Ghar Scheme Online Registration

Apni Chhat Apna Ghar Scheme Online Registration has opened another window of opportunity for thousands of deserving families across Punjab in April 2025. Apni Chhat Apna Ghar Scheme is a wonderful step that has been introduced by Punjab Chief Minister Maryam Nawaz Sharif for the low-income people.

So far, 1562 houses have been completed under this scheme, while the construction of more than 797 houses is in the final stages. The Punjab government has provided loans worth more than Rs 26.97 billion to more than 25 thousand families so that they can build their dream homes. In the final stage of registration, it is also necessary to upload a recent photograph.

This scheme is especially for those people from urban areas who want to build their own house of 1 to 5 marla, and the government is providing a loan of up to Rs. 15 lakh on easy installments. The most special thing about this scheme is that the entire registration process is online, through which everyone can easily apply. If you are a permanent resident of Punjab, and you do not already have a house or plot, then you are eligible for this scheme.

What Is the Apni Chhat Apna Ghar Scheme?

This scheme was launched to help those families in Punjab who have no house of their own and cannot afford to buy or build one. The government provides an easy loan of up to Rs. 15 Lakh to eligible applicants so they can construct or own a 1 to 5 marla house in urban areas of Punjab.

The most attractive part? You do not have to stand in long queues or deal with any paperwork chaos. The entire process from applying to checking eligibility is done online.

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Current Progress & Achievements of the Scheme

The achievements of the scheme speak for themselves:

1562 houses have already been completed.
797 houses are in the final stages of completion.
Rs. 92.4 million in loans have been successfully recovered.
Over 25,000 families have received loans.
A total of Rs. 26.97 billion in loans has been issued.
The second installment has already been disbursed to 5,500 families for construction purposes.

These milestones are proof that this housing scheme is not just a plan on paper—it’s a working model that is already changing lives.

Loan Structure and Financial Support

Each eligible family can receive a loan of up to 1.5 million rupees (Rs. 15 Lakh). This amount is enough to build a small, comfortable house in urban areas. The loan is given in installments, depending on the construction stage of the house.

The process is designed to be simple, fair, and supportive. Once approved, families can begin construction with the first installment, and the second installment is released as the construction progresses.

How to Apply Online for Apni Chhat Apna Ghar Scheme (Step-by-Step)

Here is a complete step-by-step guide to the Apni Chhat Apna Ghar Scheme Online Registration:

Step 1: Visit the Official Website

Go to the official website: acag.punjab.gov.pk

Step 2: Create Your Account

Click on the “Register” button.
Enter your full name, CNIC number, and email address.
Choose your mobile network and provide your mobile number.
Select your Division, Tehsil, District, and City.
Set a strong password for your account.

Step 3: Confirm Your Eligibility

After registration, log in using your CNIC and password. To qualify, you must meet these conditions:

You must be a permanent resident of Punjab.
You do not already own a house.
You do not own any residential plot, up to 5 marla in an urban area or 10 marla in a rural area.

Step 4: Submit Personal and Property Information

Once eligible, you need to submit the following details:

Name, Father’s Name, CNIC
Father’s CNIC (for verification)
Email and mobile number (plus alternate mobile number)
Date of Birth
Marital Status (Married/Unmarried)
Current residential address
Property details (if any)
Desired loan amount
Household socio-economic details

Step 5: Upload Your Photograph

In the final step, you must upload a recent passport-size photograph and click on the “Save and Next” button to submit your application.

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Information Required for Online Registration

Before you start your online application, make sure you have the following details ready:

Full Name
CNIC and Father’s or Husband’s CNIC
Valid Email Address
Mobile Number and Network Provider
Residential Address (Tehsil, District, and City)
Passport-Size Photograph
Socio-economic details (Monthly Income, Number of Family Members, etc.)

Who Can Apply? – Eligibility Checklist

To apply for the scheme, you must fulfill all of the following:

Be a permanent resident of Punjab.
Does not own a house or residential plot (urban or rural).
Be interested in building a house between 1 to 5 marla in size.
Have all necessary documents and contact details available.
Meet the income criteria set by the government.

Tips Before Applying

Make sure your CNIC is valid and updated.
Use a working email and phone number.
Double-check your entered details before submitting.
Take a clear, professional photo for upload.
Complete the form in one sitting to avoid session timeout.

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FAQs

What is the Apni Chhat Apna Ghar Scheme?
The Apni Chhat Apna Ghar Scheme is a government housing loan program launched to help low-income families in Punjab build or own their own homes.

Who is eligible for the scheme?
Any permanent resident of Punjab can apply, as long as they do not already own a house or residential plot in either an urban or rural area.

What is the loan amount under the scheme?
Eligible families can receive a loan of up to Rs. 15 Lakh to build a house of their own.

How many families have received loans so far?
So far, over 25,000 families have benefited from the scheme, with total loan disbursements reaching Rs. 26.97 billion. This shows the strong impact of the program in just a short time.

Is the application process online?
Yes, the entire application process is online. You can apply by visiting the official website and completing your Apni Chhat Apna Ghar Scheme Online Registration from the comfort of your home.

Do I need to upload a photograph during registration?
Yes, you must upload a recent passport-size photograph when filling out your online application. This is a required step before submitting your form.

Is the scheme only for urban areas?
Loans under this scheme are mainly for 1 to 5 marla houses in urban Punjab, but eligibility also includes applicants who do not own plots in rural areas (up to 10 marla).

Final Summary

The Apni Chhat Apna Ghar Scheme Online Registration is a golden opportunity for families who have long dreamt of owning a home but were held back due to financial difficulties. With a transparent, fully online process and a supportive loan system, the government is making homeownership achievable for the people of Punjab.

If you meet the eligibility criteria, do not delay. This could be the first step toward your own home. Visit acag.punjab.gov.pk today and apply now!