The Punjab government has launched the second phase of the “Apni Chhat Apna Ghar” scheme in April 2025. This initiative is aimed at helping low-income families in urban areas who do not own a home or land. The scheme provides loans to build houses between 1 to 5 marlas. The best part is that the entire registration and application process is online, making it easier for people to apply. This article will provide you with all the important details about the online registration process, eligibility criteria, loan structure, and more.
| Point | Details |
| Loan Limit | Up to Rs. 15 Lakh |
| Loan Type | Interest-free, repayable in easy terms |
| Who Can Apply | Punjab residents without a house or plot |
| Registration Method | Fully Online via acag.punjab.gov.pk |
What Is the Apni Chhat Apna Ghar Scheme?
The Apni Chhat Apna Ghar Scheme is a government housing program designed to help low-income families in Punjab who do not own a house. Under the scheme, eligible individuals can receive a loan of up to Rs. 15 lakh to build a house of 1 to 5 marlas. This loan is provided in installments, and the repayment can be done in small, manageable monthly amounts. The best part is that the entire process is done online, so there’s no need to visit any government offices or wait in long lines. This program is a great opportunity for those struggling to own a home.
See also: Asaan Karobar Card Apply Online
Achievements of the Apni Chhat Apna Ghar Scheme
The Apni Chhat Apna Ghar Scheme has already shown great success in its initial phase. As of now, the scheme has helped many families in Punjab:
- A total of 1562 houses have been built and handed over to beneficiaries.
- 797 more houses are nearing completion.
- Loans worth Rs. 26.97 billion have been provided to over 25,000 families.
- Rs. 92.4 million have been recovered in the loan repayments.
- Second loan installments have been sent to 5,500 families to continue construction.
These achievements highlight how successful this initiative has been in improving the lives of many families in Punjab.
How to Register Online for Apni Chhat Apna Ghar Scheme
The registration for this scheme is entirely online. To apply, follow these simple steps:
- Visit the official website: Go to acag.punjab.gov.pk.
- Click on “Register”: You’ll need to create an account by providing your:
- Name
- CNIC number
- Email address
- Mobile number
- District, Tehsil, and City
- A secure password
- Name
- Login and Check Eligibility: Once registered, log in to check if you meet the eligibility requirements.
- Fill in Personal and Property Details: Provide information like your CNIC, marital status, income, and the number of family members.
- Upload Documents: Finally, upload your passport-size photograph and submit the form.
Eligibility Criteria for Apni Chhat Apna Ghar Scheme
To be eligible for the Apni Chhat Apna Ghar Scheme, you must meet the following criteria:
- Permanent resident of Punjab: Only those living in Punjab can apply.
- No ownership of house or plot: You must not own a house or residential plot in any area.
- House size: You must wish to build a house of 1 to 5 marlas.
- Financial eligibility: You must meet the financial requirements set by the government.
- Correct documentation: All the documents provided in the application must be valid and correct.
This scheme is specifically for those who struggle to afford a home and are looking for support to build their own house.
See also: Asaan Karobar Card Apply Online
Loan Structure and Financial Help
The loan structure for this scheme is straightforward and easy to manage. Beneficiaries can receive up to Rs. 15 lakh, provided in installments based on construction progress. The loan is interest-free, making it affordable for low-income families. The first installment is given once the application is approved, and construction begins. Subsequent installments are released as construction progresses, and the entire loan can be repaid in easy monthly installments, ensuring gradual support for families.
Conclusion
In this article, we are sharing all the details about the Apni Chhat Apna Ghar Scheme Online Registration for April 2025. We have covered the purpose of the scheme, how to apply online, the eligibility criteria, loan structure, and the success achieved so far. The online registration process is simple and convenient, making it accessible to everyone in Punjab. If you meet the eligibility conditions, don’t miss the opportunity to apply for the loan and start building your dream home. Visit official site acag.punjab.gov.pk to begin your registration today.
FAQs
Is the loan interest-free under the Apni Chhat Apna Ghar Scheme?
Yes, the loan is interest-free, making it easier for families to repay.
Can I apply for this scheme if I live in a rented house?
Yes, you can apply if you live in a rented house, as long as you do not own any property.
How many times can I apply for the scheme?
You can apply only once. Multiple applications may lead to rejection.
What happens if I submit an incomplete application?
If your application is incomplete or missing documents, it may be rejected or delayed. Be sure to provide all required information.