The Government of Punjab has relaunched and expanded its flagship housing initiative, the Apni Chhat Apna Ghar Scheme, with the introduction of Phase 2. This program aims to make housing more accessible for low- and middle-income families by offering affordable construction loans, modern infrastructure, and a transparent application process. With thousands of beneficiaries already enrolled, the scheme is rapidly becoming one of the most impactful housing programs in Pakistan.
What is the Apni Chhat Apna Ghar Scheme?
The government created the Apni Chhat Apna Ghar (ACAG) plan as a housing program in reaction to the growing need for cheap places to live in Punjab. Under this program, eligible residents of Punjab are provided with interest-free home loans, technical guidance, and support to construct or complete their homes. The scheme targets families with limited income, allowing them to build a safe and sustainable home on their land.
Highlights of Phase 2 – What’s New in 2025?
The second phase of the program, launched in 2024 and continuing into 2025, has introduced several upgrades over the initial phase. Here’s a breakdown of what Phase 2 includes:
️ Expanded Construction and Design
Punjab is currently constructing or completing thousands of homes.
- The beneficiaries can use the loan to build on their existing lands, ranging in size from 1 to 10 marlas.
- Better urban design will be used in the new living units, such as:
- Clean water and drainage systems
- Green spaces and tree plantations
- Solar-powered solutions
- Energy-efficient architecture
- Fiber-optic internet access
Interest-Free Loans Up to PKR 1.5 Million
One of the major attractions of this scheme is the interest-free construction loan. Eligible families can receive up to PKR 1.5 million, which is repaid in easy monthly installments over 7 years. The estimated monthly installment ranges between PKR 11,000 and PKR 14,000, making it affordable for working-class families.
- As of mid-2025:
- Over 25,000 families have benefited from the loan facility.
- The total amount disbursed has crossed PKR 26.97 billion.
- More than 11,000 families have already received their second installment after meeting construction milestones.
Who Can Apply?
The scheme specifically targets the working-class population in Punjab. The eligibility criteria for the Apni Chhat Apna Ghar Scheme Phase 2 are as follows:
- The applicant must be a resident of Punjab.
- The applicant must possess a registered plot, ranging from 1 to 10 marlas, either in their own name or that of their immediate family.
- The household income should be between PKR 20,000 and PKR 80,000 per month.
- The applicant must not have a criminal record or history of loan default with any financial institution.
How to Apply for the Scheme
There are two simple ways to apply for the Apni Chhat Apna Ghar Scheme:
1. Online Application
Applicants can submit their forms online by visiting the official government portal:
https://acag.punjab.gov.pk
- The online application process includes:
- Filling in personal and property details
- Uploading necessary documents
- Verification of income and plot ownership
2. Offline Application
If an applicant is unable to apply online, they can visit the nearest Deputy Commissioner’s Office or ACAG Help Desk in their district to apply manually. Trained staff will guide them through the form submission and documentation process.
Transparency and Monitoring
- The scheme employs the following measures to ensure transparency and prevent misuse:
- Digital monitoring systems to track construction progress
- Biometric verification during fund disbursement
- On-ground inspections before releasing the second instalment
Social and Economic Impact
The Apni Chhat Apna Ghar Scheme is more than just a housing initiative—it’s a step toward poverty reduction and social inclusion. Here are a few ways it’s positively impacting communities:
- Creating jobs in the construction and materials sector
- Increasing housing security for low-income families
- Improving living standards in underdeveloped areas
- Reducing urban slums by encouraging rural home development
Final Words
With Phase 2 of the Apni Chhat Apna Ghar Scheme, the Punjab government has taken a bold step to provide safe, affordable, and dignified housing to those who need it most. Now is the time to fill out an application and take the first step towards becoming a homeowner if you or someone you know meets the requirements.
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