The Apni Chhat Apna Ghar scheme has entered a critical phase of development. The government has sanctioned 2,000 additional interest-free loans, and construction of houses funded by the 3,000 loans issued in Phase 2 has already begun. The online portal has received over 400,000 applications, indicating public interest in the programme.
To improve transparency and accessibility, loan distribution centres have been set up in all major districts, and the official web portal has been updated with new features that allow applicants to track the status of their applications more easily. Citizens are encouraged to complete their registration before June 2025 to qualify for the next round of approvals.
Major Progress in Apni Chhat Apna Ghar Scheme 2025
The Apni Chhat Apna Ghar Scheme 2025 is a key initiative under the Government of Punjab plan to solve the housing crisis for low-income citizens. Here’s a look at the latest progress:
- 23,500 houses are in the final stages of completion.
- 5,000 loans have been disbursed under Phase 1.
- 3,000 new loans have been released under Phase 2.
- 2000 more loans have been approved and are being processed.
- The official portal has received over 400,000 applications.
- Three impartial microfinance institutions are verifying applications.
- The goal is to build 100,000 homes in 4.5 years and 500,000 homes in 5 years.
This is the biggest state-led housing support plan in recent years, offering interest-free loans and targeting the poorest and most vulnerable segments of society.
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Apni Chhat Apna Ghar Scheme Online Registration
The new online registration process for May 2025 is simple and accessible. Interested applicants must submit their documents through the official website:
- Visit acag.punjab.gov.pk and click on “Apply Now”.
- Fill out the online registration form with your CNIC, family details, and income.
- Upload all required documents such as:
- CNIC copy
- Proof of income
- Family registration certificate
- Submit the form and note your application tracking number.
Those who do not have internet access can visit their nearest facilitation center or call the helpline for guidance.
Apni Chhat Apna Ghar PMT Score
To be eligible for the Apni Chhat Apna Ghar Scheme 2025, your PMT (Poverty Means Test) score must fall under the qualifying range. This score is determined by NADRA and BISP data.
PMT Score Requirement: Must be below 40 to qualify.
Applicants with a PMT score above 40 are not eligible for interest-free loans under this scheme.
Apni Chat Apna Ghar Login Check Application Status
After registration, applicants can log in to check their application status. Fellow these Steps to Check status:
- Go to acag.punjab.gov.pk
- Click on “Login” at the top right corner.
- Enter your CNIC number and password.
- Track your application status and loan approval updates.
This portal is regularly updated with real-time status, so applicants are advised to check frequently.
Registration and Loan Eligibility Criteria
To apply for the scheme, applicants must meet the following eligibility criteria:
| Criteria | Requirement |
|---|---|
| Residence | Must be a resident of Punjab |
| Income | Low-income household (verified) |
| PMT Score | Below 40 |
| Ownership | Should not own a house |
| CNIC | Must be valid and verified |
| Document Submission | All necessary documents submitted |
Eligible applicants will receive interest-free loans to construct or purchase houses under the government-approved model.
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Free and Interest-Free Loans for Housing
The most attractive feature of this scheme is the interest-free loan structure. Beneficiaries are not required to pay any interest on the amount received for building their homes.
- Loan Range: Up to Rs. 1.5 million
- Repayment Period: Up to 10 years
- Installments: Small, monthly installments
- Interest Rate: 0% (fully subsidized by government)
This initiative ensures that even the most underprivileged families can own their homes without the burden of high repayments.
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Helpline Number for Assistance
For any queries or support related to registration, loan disbursement, or application status, applicants can call the official helpline:
📞 Helpline Number: 0800-09100
This number is toll-free and operates during office hours. You can also visit your local government office for help.
Apni Chat Apna Ghar Phase 2 Latest Update May 2025
The Apni Chhat Apna Ghar Scheme 2025 is rapidly advancing toward its goal of providing affordable housing to low-income families across the region. With more than 23,500 homes nearing completion, this ambitious program is making significant strides in addressing the housing crisis. Additionally, the first phase of the scheme has already seen the disbursement of thousands of loans, paving the way for many families to build their own homes.
Apni Chhat Apna Ghar program has officially reopened for new registration and loan issuance, offering renewed hope to a broader segment of the population. This renewed phase has created a surge in applications from eligible candidates, particularly as the scheme continues to offer interest-free loans, thus making homeownership a reality for many who previously considered it out of reach.
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Conclusion
The Apni Chhat Apna Ghar Scheme 2025 is a life-changing opportunity for thousands of families in Punjab. With free loans, easy application, and transparent verification, the government has taken a strong step toward solving the housing shortage. Whether you are a farmer, laborer, or small business worker, this scheme offers a secure future with a home of your own. Register today and take the first step toward building your Apna Ghar.