Apni Chhat Apna Ghar Scheme
Apni Chhat Apna Ghar Scheme Punjab Government has taken a historic step toward addressing homelessness in the province through the launch of the Apni Chhat Apna Ghar scheme. Under the leadership of Chief Minister Maryam Nawaz Sharif, the program offers interest-free loans for constructing 5 and 10 marla houses, targeting thousands of underprivileged families who dream of owning a home. Launched in September 2024, this initiative is now showing visible results, with more than 23,500 houses nearing completion and over Rs 30 billion in loans distributed to 28,219 deserving families.
Under the Apni Chhat Apna Ghar scheme, loans can be obtained for five marla and ten marla houses. So far, loans worth about Rs 30 billion have been given to those who have applied. Those who have land but cannot build a house on it do not have enough money to build their trust on it. Maryam Nawaz has launched this scheme to solve this problem.
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A Vision for Shelter: Maryam Nawaz Historic Initiative
Chief Minister Maryam Nawaz Sharif, inspired by the long-term vision of her father and former Prime Minister Muhammad Nawaz Sharif, introduced the Apni Chhat Apna Ghar program to solve the housing crisis in Punjab. The program aims to provide a secure roof to every homeless family and empower them with financial stability. In just five months since its launch, the program has not only approved thousands of interest-free loans but also ensured speedy construction of thousands of houses across urban and rural areas of Punjab.
- Launched in September 2024 under CM Maryam Nawaz Sharif’s leadership
- Over 23,500 houses in final stages of construction
- More than 28,219 families already received interest-free loans
- Over Rs 30 billion disbursed across Punjab
- Fastest large-scale housing program in provincial history
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Eligibility Criteria for 5 and 10 Marla House Loans
To ensure that the support reaches those who truly need it, the eligibility criteria are clearly defined. Only permanent residents of Punjab can apply for this scheme. In urban areas, individuals who own 1 to 5 marla plots are eligible, while in rural regions, the eligibility extends to those owning 1 to 10 marla land. This targeted approach makes sure the scheme supports those with basic land ownership but lacking the resources to build a home.
Who Can Apply?
- Permanent residents of Punjab
- Plot owners in urban areas 1 to 5 marla
- Plot owners in rural areas 1 to 10 marla
- Must not be a beneficiary of similar past housing schemes
- Belongs to a financially vulnerable or low-income group
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28219 Families Supported with 30 Billion in Loans
Within a short span of time, the Apni Chhat Apna Ghar scheme has changed the lives of thousands of families across Punjab. As of early 2025, over Rs 30 billion in interest-free loans have been disbursed to 28,219 families. The construction of over 23,500 houses is either completed or in its final stages. This scale of achievement has never been seen before in such a short time in the history of Punjab’s housing development efforts.
The loans are not just financial assistance they are a pathway to self-respect, stability, and empowerment. Families who were previously living in temporary shelters or cramped conditions now have the opportunity to build proper homes and start a better chapter of life. The government’s effort to make the application process simple and digital has helped thousands benefit quickly without facing unnecessary delays.
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How to Apply for Apni Chhat Apna Ghar Loan Online
To apply for the scheme, applicants need to visit the official portal at https://acag.punjab.gov.pk/. The online portal allows users to fill out the application form and upload required documents, such as proof of residence, CNIC, and land ownership records. The system has been designed to be user-friendly and easily accessible to all applicants, even in rural areas.
Step-by-Step Application Process:
- Visit: https://acag.punjab.gov.pk/
- Fill out the online application form
- Upload required documents (CNIC, proof of land ownership)
- Submit your application
- Wait for verification and loan approval
- For help, call the helpline: 0800-09100
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A New Era of Housing Development in Punjab
This initiative is a remarkable example of good governance and proactive leadership. Maryam Nawaz’s approach to rapid implementation and public-first governance has brought visible change in just five months. With over 23,500 houses under construction and thousands of families already financed, the government has set a new record in public welfare and housing support.
In her address during the review meeting, CM Maryam Nawaz emphasized that no government in the last five years has achieved as much in housing development as this one has done in just a few months. This rapid progress reflects her dedication and the efficiency of the team executing the program.
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Final Thoughts
The Apni Chhat Apna Ghar Scheme 2025 is more than just a housing project it is a commitment to dignity, hope, and the right to a better life for every deserving family in Punjab. Through interest-free loans, transparent processes, and strong political will, this program has already transformed thousands of lives and is set to benefit many more in the coming months.
If you or someone you know meets the criteria, this is the perfect opportunity to secure your family’s future. Apply online today and take the first step toward owning your own home under one of Punjab’s most successful public welfare programs.
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