Owning a home is a fundamental dream for every family, yet rising inflation and property costs in Pakistan have made it increasingly difficult for low-income segments to achieve this goal. To bridge this gap, Chief Minister Punjab, Maryam Nawaz Sharif, launched the Apni Chhat Apna Ghar (ACAG) Program.
This flagship housing initiative aims to provide 100,000 affordable houses and interest-free loans to deserving citizens across Punjab. In this guide, we provide a complete breakdown of the registration process, eligibility criteria, and the 2025 updates for the ACAG program.
What is the Apni Chhat Apna Ghar Program?
The Apni Chhat Apna Ghar Program is a multi-billion rupee housing project designed to provide sustainable living solutions for homeless and low-income families. Unlike traditional housing schemes, ACAG focuses on three distinct execution models:
- Interest-Free Loans: For individuals who already own small plots and need financing for construction.
- State-Owned Land Housing: Construction of apartments and small houses on government land in major cities.
- Private Housing Schemes: Collaboration with private developers to offer subsidized units.
The primary goal is to provide a roof to those with a monthly income of less than PKR 60,000, ensuring that even daily-wage workers can become homeowners.
Key Features of Apni Chhat Apna Ghar Program 2026
- Massive Subsidy: The Punjab government provides a significant portion of the house cost (up to 60%) as a subsidy.
- Interest-Free Loan: Loans are strictly interest-free, making them Shariah-compliant and accessible to all.
- Easy Installments: Monthly installments are capped at approximately PKR 14,000, which is often lower than the average house rent in Punjab.
- Grace Period: A three-month grace period is provided, meaning you don’t start paying back the loan until three months after the disbursement.
- Transparent Selection: Beneficiaries are selected via a computerized balloting process to ensure merit and transparency.
Eligibility Criteria For Apni Chhat Apna Ghar Program
To apply for the Apni Chhat Apna Ghar Program 2025, applicants must meet the following official requirements:
- Punjab Residency: You must be a permanent resident of Punjab with a valid CNIC.
- Plot Ownership (For Loans): You must own a plot of up to 5 Marla in urban areas or up to 10 Marla in rural areas.
- Income Limit: Preference is given to families with a total monthly income of PKR 60,000 or less.
- NSER/PMT Score: Applicants should ideally be registered in the National Socio-Economic Registry (NSER) with a PMT score of 60 or below.
- No Prior Ownership: The applicant, their spouse, or dependent children must not own any other residential property in Pakistan.
- Clean Record: You must not be a bank defaulter and should have a clean criminal record.
How to Create an Account and Login to acag.punjab.gov.pk
If you are visiting the Apni Chhat Apna Ghar portal for the first time, you must create a “Citizen Account” before you can apply for the house or loan. Follow these simple steps to get started.
1. How to Register (For New Users)
If you do not have an account yet, you need to sign up first:
- Visit the Portal: Go to the official website acag.punjab.gov.pk.
- Click on Register: Look for the “Register” or “Sign Up” button on the top right corner of the homepage.
- Enter Your CNIC: Type your 13-digit National Identity Card number without any dashes (e.g., 3520112345671).
- Provide Mobile Number: Enter a mobile number that is registered in your name. You will also need to select your mobile network provider.
- Create a Password: Choose a strong password (at least 8 characters) and re-type it in the “Confirm Password” field.
- Verification (OTP): Click on the register button. You will receive a One-Time Password (OTP) via SMS on your mobile. Enter this code on the website to verify your account.
2. How to Login (For Returning Users)
Once your account is successfully created, you can log in anytime to complete your application or check your balloting status:
- Access the Login Page: On the main website, click on the “Login” button.
- Enter Credentials:
- Username: Your 13-digit CNIC number serves as your username.
- Password: Enter the password you created during the registration process.
- Click Sign In: Press the “Sign In” button.
- Dashboard Access: You will be redirected to your personal dashboard where you can see the application form or the “Track Application” status.
3. Forgot Your Password?
If you forget your password, don’t worry. Click on the “Forgot Password?” link on the login page. Enter your registered CNIC and mobile number, and the system will allow you to reset your password via a new OTP.
How to Apply Online For Apni Chhat Apna Ghar Program?
The Punjab Information Technology Board (PITB) has simplified the application process through a dedicated web portal. Follow these steps to register:
Step 1: Citizen Registration
Visit the official website: acag.punjab.gov.pk. Click on the “Register” button and provide your full name, CNIC number, and mobile number. You will receive an OTP for verification.
Step 2: Fill the Information Form
After logging in, fill out the comprehensive application form, which includes:
- Personal Details: Father’s name, address, and family registration details.
- Income Details: Mention your source of income and monthly earnings.
- Housing Details: Indicate whether you are currently living in a rented house or an informal setting.
Step 3: Upload Documents
Ensure you have scanned copies of the following documents (under 1MB):
- Front and back of your CNIC.
- Recent passport-sized photograph.
- Land ownership documents (Registry/Intiqal) if applying for the construction loan.
- Proof of monthly income (Salary slip or affidavit).
Step 4: Submission and Tracking
Review your application carefully and click “Submit.” You will be given an Application ID, which you can use to track your status online.
Loan Amount and Repayment Plan
The scheme offers a maximum loan of PKR 1.5 million for house construction. The repayment plan is designed to be the most “pro-poor” in Pakistan’s history:
- Loan Tenure: 7 to 9 years.
- Monthly Installment: Approx. PKR 14,000.
- Down Payment: For constructed units, the applicant usually pays 40% (often subsidized further), while the government covers the rest.
Benefits for Low-Income Families
Beyond just providing four walls and a roof, the ACAG program brings several long-term benefits:
- Economic Stability: Families can redirect the money previously spent on rent toward education and health.
- Job Creation: Building 100,000 houses will generate approximately half a million jobs in the construction sector.
- Access to Basic Amenities: Every house under this scheme is planned with proper access to clean water, sanitation, and electricity.
Frequently Asked Questions (FAQs)
Q: Can I apply for Apni Chhat Apna Ghar Program if I don’t own any land?
Yes. You can apply for the apartment/constructed house category where the government provides both the land and the structure.
Q: How will I know if I am selected?
The Punjab Government will conduct a computerized balloting. Winners will receive an SMS from the official government code and the list will be posted on the ACAG portal.
Q: Is there any processing fee for Apni Chhat Apna Ghar Program?
No, the online registration for the Apni Chhat Apna Ghar Program is completely free. Never pay any third-party agents.
The Apni Chhat Apna Ghar Program is more than just a housing scheme; it is a movement to provide dignity and security to the people of Punjab. By making the process 100% digital via acag.punjab.gov.pk, the government has ensured that only the most deserving citizens get the keys to their new homes. If you meet the eligibility criteria, do not delay—apply today and take the first step toward a secure future.
