Apni Chhat Apna Ghar Program
The Punjab government’s flagship housing initiative, Apni Chhat Apna Ghar (ACAG) Program, has reached an important milestone. More than 850 approved applicants across Punjab have successfully received their first installment, bringing them one step closer to owning a home. This development marks a major success for the program, which aims to support low-income families in building houses on their own land.
Under the special directives of Chief Minister Punjab Maryam Nawaz, a total amount of Rs 60 crore (600 million PKR) has been released in the first phase. This financial support empowers deserving citizens to finally begin construction and turn the long-held dream of homeownership into reality.
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Latest Update on Apni Chhat Apna Ghar Program
The Punjab government confirmed that the verification process for applicants was completed between 21st and 31st January. During this period, applications were thoroughly reviewed to ensure transparency and fairness. Applicants who met all eligibility requirements were approved, and their first installment was transferred directly to their bank accounts.
This swift and organized process reflects the government’s seriousness in addressing the housing shortage and supporting families who previously lacked the resources to construct a permanent home.
Rs 600 Million Allocated for Housing Across Punjab
In the first installment alone, 600 million PKR has been distributed among successful applicants. This funding is specifically meant for home construction, allowing families to start building immediately without relying on informal loans or unsafe housing arrangements.
The financial relief is especially significant for low-income households that struggled for years to save enough money for construction. With this installment, many families can now lay foundations, purchase building materials, and hire labor without delay.
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Key Highlights of the First Installment Phase
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Over 850 applicants received their first installment, enabling them to start home construction
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Rs 60 crore released under CM Maryam Nawaz’s directives to support affordable housing
These achievements show the practical implementation of the Punjab government’s promise to ensure “housing for all.”
Verification Process: Ensuring Transparency
The verification stage played a critical role in the success of this phase. From January 21st to January 31st, applications were checked against eligibility criteria such as income level, land ownership, and documentation authenticity. Only those who met all conditions were approved.
This careful scrutiny helped ensure that financial assistance reached the most deserving families and prevented misuse of public funds. Applicants who cleared verification were immediately informed and included in the first installment transfer.
Special Congratulations from Chief Minister Maryam Nawaz
This initiative not only boosts morale but also strengthens trust between citizens and the government, showing that welfare programs are backed by genuine commitment.
Message from the Chief Minister
In her official message, CM Maryam Nawaz congratulated all beneficiaries and confirmed that the first loan installment has been credited to their accounts. She encouraged recipients to begin construction immediately, emphasizing that safe and permanent housing is key to social stability and dignity.
She also expressed hope that the Apni Chhat Apna Ghar Program will continue to uplift thousands of families across Punjab and play a vital role in poverty reduction and community development.
Apni Chhat Apna Ghar Program
| Feature | Details |
|---|---|
| Program Name | Apni Chhat Apna Ghar (ACAG) |
| Launched By | Punjab Government |
| Chief Minister | Maryam Nawaz |
| Purpose | Financial assistance for home construction |
| First Installment Beneficiaries | 850+ applicants |
| Total Amount Released | Rs 600 million |
| Verification Period | 21–31 January |
| Disbursement Method | Direct bank transfer |
| Target Group | Low-income families in Punjab |
| Loan Nature | Installment-based housing loan |
Impact on Housing and Society
The Apni Chhat Apna Ghar Program is more than just a loan scheme—it is a long-term investment in social welfare. Secure housing improves health, education outcomes, and economic stability. By enabling families to construct homes on their own land, the program promotes dignity, ownership, and community growth.
As construction begins across Punjab, the scheme is expected to generate employment in the construction sector while improving overall living standards.
Conclusion
The completion of the first installment for over 850 applicants under the Apni Chhat Apna Ghar Program marks a significant step toward affordable housing in Punjab. With Rs 600 million released, transparent verification, and strong government backing, deserving families can finally begin building their own homes. Under Chief Minister Maryam Nawaz’s leadership, this initiative reflects a firm commitment to social welfare, poverty reduction, and a more secure future for low-income citizens.
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FAQs
1. What is the Apni Chhat Apna Ghar Program?
It is a Punjab government housing initiative that provides financial assistance to low-income families to build homes on their own land.
2. How many people received the first installment?
More than 850 eligible applicants across Punjab have received the first installment under this program.
3. How is the financial assistance provided?
The loan amount is disbursed in installments directly into the beneficiaries’ bank accounts, starting with the first installment already released.