Last updated on August 30th, 2025 at 07:38 am
The Apni Chhat Apna Ghar Scheme (ACAG 2025) is a special program by the Punjab government to help low- and middle-income families own their own affordable homes. This plan aims to build 100,000 houses and create 500,000 new jobs in the coming years. The government will pay up to 60% of the house cost, and the rest can be paid in easy monthly installments.
Whether this is your first time applying or you just want to understand the process better, this simple guide will take you through every step of registering online. We will explain who can apply, what documents you need, how to make payments, and answer common questions clearly. Follow this guide to make your dream of owning a home in Punjab come true.
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ACAG 2025: Latest Updates
As of 2025, the ACAG scheme has achieved remarkable progress:
- 51,911 families have successfully benefited from the program
- Rs. 65 billion has been disbursed to deserving families
- 45,000+ homes are currently under construction across Punjab
- Bank of Punjab Partnership: A new MoU signed for FY 2025-26 to streamline loan disbursement and repayments
What is the Apni Chhat Apna Ghar Scheme?
The ACAG Scheme focuses on helping underprivileged and middle-class families own their own homes. So far, around 51,911 families have benefited from the program, with Rs. 65 billion disbursed and more than 45,000 homes currently being constructed.This housing plan operates under three main models:
| Execution Model | Description | Approx. Housing Units |
|---|---|---|
| State-Owned Land Model | Homes built on state land with developers | 10,000 |
| Affordable Private Schemes | Housing in private schemes regulated by PHATA | 20,000 |
| Interest-Free Loan Program | Loans to families owning small plots of land | 70,000 |
If you own between 1 to 5 marlas of land in urban areas or 1 to 10 marlas in rural areas, you may be eligible for the interest-free loan option. Monthly installments can be as low as Rs. 14,000 – roughly equal to average rent – making homeownership affordable.
Eligibility Criteria for Apni Chhat Apna Ghar Scheme 2025
Before you start the Apni Chhat Apna Ghar apply online process, you should make sure you meet the eligibility requirements:
- Permanent resident of Punjab
- Sole owner of land (1-5 marlas urban; 1-10 marlas rural)
- No criminal record or loan defaults
- NSER score below 60%
- Head of household’s CNIC is required
Documents Required for Online Registration
Gather the following before starting your Apni Chhat Apna Ghar online registration:
- The applicant’s and the family head’s CNIC
- Land ownership documents or property papers
- Recent passport-sized photographs
- NSER registration details
- Any other documents as requested by the registration portal or housing department
Step-by-Step Online Application Process
Follow these easy steps to finish your online registration
- Visit the official Apni Chhat Apna Ghar website at acag.punjab.gov.pk.
- On the homepage, click the “Register” button which will take you to the registration form.
- Enter all required personal details carefully, including your CNIC number, contact information, and land details.
- Upload the scanned copies or photos of your documents as listed above.
- Review the information to ensure accuracy and submit your application.
- You will receive a confirmation along with a registration number to keep for future reference.
Need help? Call toll-free 0800-09100 or visit your nearest registration center.
What Happens After You Apply?
Once your ACAG online registration is complete, the Punjab Housing and Town Planning Agency (PHATA) will begin verifying your details. This includes:
- Confirming your identity and residence through NADRA records.
- Verifying your NSER score to ensure it is under 60%.
- confirming your land ownership with the Cooperative Development Authority or Punjab Land Records Authority (PLRA).
If your application meets all criteria and passes verification, it will proceed to the loan allocation or housing allotment phase. Keep an eye on your application status through the official portal or use the helpdesk contacts provided.
How to Check Your ACAG Application Status Online (2025)
Follow these simple steps to track your application:
- Visit the official status page at acag.punjab.gov.pk/Layouts/ApplicantStatus
- Enter your CNIC number (without dashes)
- Click “Search” to view your current status
- Check if your application is under review, verified, shortlisted, or needs corrections
How to Check Your PMT Score for ACAG 2025
Your PMT (Proxy Means Test) score determines eligibility:
Online: Contact through official ACAG portal for assistance
Required Score: Below 60% to qualify
Check Through: NADRA office or social welfare office
Helpline: Call 0800-09100 for PMT score inquiry
Additional Tips
- Keep your CNIC and application number handy while checking your status or PMT score.
- Make sure your registration details are accurate to avoid delays in verification.
- For further assistance, contact the official toll-free number 0800-09100 or visit your nearest registration center for help
Financial Details: Installments & Subsidies Explained
The Apni Chhat Apna Ghar Scheme offers a unique financing package:
- The government provides a 60% subsidy on the house price.
- Beneficiaries pay the remaining 40% through down payment and installments.
- Installments typically amount to around Rs. 26,000 monthly, payable over 5 years.
- For eligible middle-class families with smaller plots, monthly installments can be as low as Rs. 14,000.
| Aspect | Details |
|---|---|
| Government Subsidy | 60% of total house price |
| Beneficiary Payment | 40% via down payment and installment plan |
| Monthly Installments | Typically Rs. 26,000 over 5 years |
| Special Cases | Middle-class families with smaller plots pay approx Rs.14,000 monthly |
| Loan Management | Bank of Punjab handles disbursement and repayments via MoU for FY 2025-26 |
Apni Chhat Apna Ghar Scheme Latest Update
Recently, the Punjab Housing Department signed a Memorandum of Understanding (MoU) with the Bank of Punjab to streamline interest-free loans. The bank will manage the loan disbursement and repayments exclusively for the fiscal year 2025-26 to further simplify the process.
Benefits of the Apni Chhat Apna Ghar Scheme
- Affordable housing options for low- and middle-income families
- Subsidized loans that make owning a home easier than renting
- Reliable job creation helping the local economy grow
- Transparent and monitored installment payments for financial security
- Government commitment to improving lives through housing
Common Registration Issues & Solutions
If you have low technical skills or face issues applying online:
- Low technical skills? Visit a registration center for help.
- Missing or incomplete documents? Prepare carefully beforehand.
- Issues with NSER data? Contact social welfare or helpline.
Frequently Asked Questions (FAQs)
Q: Can I apply if I don’t own land?
A: Owning land in your name in the covered areas is mandatory to qualify for the scheme.
What is the deadline for Apni Chhat Apna Ghar Scheme application?
A: No official deadline yet. Stay updated on the official website.
Q: How long does the registration process take?
A: Verification and approval usually take a few weeks; keep track via the official portal.
Q: Is the online application free?
A: Yes, registering online through the official website is free of charge.
Can women or single applicants apply?
A: Yes, eligible heads of household including women can apply.
Q: What if I face technical difficulties during online registration?
A: Use the helpline (0800-09100) or visit a registration center to get help.
ACAG Scheme Progress Report 2025
The scheme’s remarkable growth in 2025:
- Target Achievement: 51.9% of initial 100,000 housing unit goal
- Financial Disbursement: Rs. 65 billion successfully distributed
- Job Creation: 500,000+ employment opportunities generated
- Construction Status: 45,000+ homes actively under development
- Banking Partner: Bank of Punjab handles all loan processes
Conclusion
The Apni Chhat Apna Ghar Scheme 2025 is a promising chance for eligible families in Punjab to secure affordable, quality housing with manageable payments. By following this guide for online registration, you can easily submit your application and move one step closer to owning your dream home.
Make sure you meet the eligibility criteria and have all necessary documents ready before you apply. Visit the official website at acag.punjab.gov.pk for additional details or help, or contact the toll-free helpline (0800-09100) at any time.
