Apni Chhat Apna Ghar Scheme 2025: District Coverage and Complete Details

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Apni Chhat Apna Ghar Scheme 2025

The Apni Chhat Apna Ghar and Apni Zameen Apna Ghar schemes are two major housing initiatives launched by the Government of Punjab in 2025. These programs aim to provide low-income and landless families with affordable housing solutions, including free residential plots and interest-free loans for home construction.

You can also read: BISP 8171 New Bank Payment Method 2025 Rs. 13,500 Direct Transfer

Led by Chief Minister Maryam Nawaz Sharif and managed by the Punjab Housing & Town Planning Agency (PHATA), these schemes are being implemented across both urban and rural districts of Punjab. The focus is on ensuring that people who previously could not afford a house now have a chance to build one.

Phase I District Coverage 2025

Apni Chhat Apna Ghar Total 1,892 plots have been reserved for this initial stage. The selected districts are

Attock
Bahawalnagar
Bahawalpur
Bhakkar
Chiniot
Faisalabad
Gujarat
Jhang
Jhelum
Kasur
Khushab
Layyah
Lodhran
Mandi Bahauddin
Okara
Rajanpur
Sahiwal
Sargodha
Vehari

These plots will be given free of cost to eligible applicants through a transparent process.

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Expansion Under Apni Chhat Apna Ghar

Alongside the free-plot program, the Apni Chhat Apna Ghar scheme is offering interest-free home construction loans of up to Rs. 1.5 million, repayable over seven years. This part of the scheme is designed for people who already own land but cannot afford to build a house.

Key features of the expansion include

Accelerated construction on 2,807 plots across 35 government-run housing schemes.
Focused development on 1,119 plots in nine schemes across seven districts.
Implementation in 22 districts, with rapid development work under official orders.

The goal is to ensure that construction moves quickly so that families can start living in their new homes as soon as possible.

You can also read: BISP 8171 Expansion August 2025 – Newly Added Districts and Full Eligibility Guide

How the Schemes Work

1. Apni Chhat Apna Ghar Free Plots

Eligible recipients receive a 3-marla residential plot free of cost.
Plots are allocated through a transparent balloting system supervised by district-level committees and civil society representatives.
No application fee is required, making it easy for low-income applicants to apply.
Special priority is given to widows, orphans, disabled individuals, and families with very low incomes.

2. Apni Chhat Apna Ghar Interest-Free Construction Loan

Applicants must already own a plot of land within the eligible size limits: up to 5 Marla (urban) or 10 Marla (rural).
Loans of up to Rs. 1.5 million are provided to build a house.
Repayment is interest-free and spread over seven years at about Rs. 14,000 per month.
Applications can be submitted online at acag.punjab.gov.pk or through district offices for those without internet access.

You can also read: Eligibility for BISP 8171 July 2025 Payment: 36000 Using CNICs and Registered Documents Verified by NADRA

Eligibility Criteria

To qualify for either Apni Chhat Apna Ghar, applicants must meet the following requirements:

Permanent Resident of Punjab: Verified via CNIC.
No Other Property Ownership : Applicant, spouse, or dependents must not own any other property.
Low Socio-Economic Score: Registered in the National Socio-Economic Registry (NSER) with a PMT score of 60 or below.
Household Income Limit – Must earn less than Rs. 50,000 per month.
Age Requirement: Applicant must be 18 years or older and head of the household.
Clean Record: No criminal history or record of loan default.
The building loans: Must already own land within eligible limits (5 Marla urban / 10 Marla rural).

Application Process

The application process is simple and accessible for everyone.

For Free Plots

Apply online through azag.punjab.gov.pk.
Submit required documents (CNIC, proof of domicile, income details, NSER score, etc.).
Allocation is done via transparent balloting.

For Interest-Free Construction Loans

Apply online through acag.punjab.gov.pk.
Provide proof of land ownership, CNIC, income documents, and NSER score.
Loan approval is followed by disbursement in installments to ensure proper construction.

For those without internet access, offline registration is available through the District Deputy Commissioner’s (DC) office.

You can also read BISP Updates for August 2025 Verify the 2025 Dynamic Survey and New Registrations

Required Documents

Applicants must prepare the following documents before applying:

Copy of CNIC (Computerized National Identity Card).
Proof of domicile or utility bill.
Income affidavit or salary slip.
Family registration certificate from NADRA.
NSER score proof.
Land ownership documents (for loan applicants).

Progress and Targets

The government has set ambitious goals for these housing schemes:

Phase I: 1,892 free plots distributed in 19 districts.
Construction Loans: Rapid development in 35 housing schemes across 22 districts.
Short-Term Target: Deliver 20,000 houses by February 2025.
Long-Term Goal: Build 100,000 houses every year thereafter.

Government’s Commitment to Transparency

The Punjab government has emphasized that all allocations and loan approvals will be completely transparent. Local oversight committees, district administrations, and civil society representatives will be involved to prevent corruption and favoritism.

Additionally, priority groups such as widows, orphans, and people with disabilities will receive special attention during the selection process.

Conclusion

The Apni Zameen Apna Ghar and Apni Chhat Apna Ghar schemes are game-changing housing initiatives for Punjab in 2025. With Phase I covering 19 districts and expansion plans in 22 districts, the government is making affordable housing a reality for thousands of low-income families.

You can also read: Verification of BISP Documents August 2025: Online Payment Status Check

By offering free plots and interest-free home loans, and by ensuring transparency and inclusivity, these programs are set to reduce housing insecurity and improve living standards for the people of Punjab.

If you meet the eligibility criteria, you should apply now to secure your chance of owning a plot or building your own home under this historic initiative.

FAQs

1. Who can apply for the Apni Chhat Apna Ghar or Apni Zameen Apna Ghar scheme?
Any permanent resident of Punjab with a valid CNIC, household income under Rs. 50,000 per month, and a PMT score of 60 or below in the National Socio-Economic Registry (NSER) can apply. Applicants must not own any other property and must be the head of the household.

2. How can I apply for the free plot or interest-free loan?
For free plots, you can apply online at azag.punjab.gov.pk. For construction loans, apply at acag.punjab.gov.pk. Applicants need to submit CNIC, proof of domicile, income proof, NSER score, and land ownership documents (for loans). Offline applications are available at the District DC office.

3. What benefits does the scheme provide?
The Apni Zameen Apna Ghar program offers free 3-marla residential plots, while the Apni Chhat Apna Ghar program provides interest-free loans of up to Rs. 1.5 million for home construction, repayable over seven years. Special priority is given to widows, orphans, disabled persons, and low-income families.