Apni Chhat Apna Ghar Scheme 2025 Complete Guide to 15 Lakh Interest-Free Loan

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Apni Chhat Apna Ghar Scheme 2025

The Government of Punjab under Chief Minister Maryam Nawaz Sharif has launched the Apni Chhat Apna Ghar Scheme 2025 to help low-income families build their own houses. Housing is one of the biggest challenges for poor families in Punjab. Many people live in rented houses or temporary shelters and cannot afford to build a home due to high costs and interest rates on loans.

With this scheme, the government provides interest-free loans of up to 15 lakh rupees so that eligible residents can build their own homes. This guide explains the full details, eligibility criteria, required documents, and registration process in simple steps.

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Overview of the Apni Chhat Apna Ghar Scheme

Loan Amount: Up to 15 lakh rupees.
Interest Rate: 0% (interest-free loan).
Repayment Period: 7 years in easy monthly installments.
Target Group: Low-income families living in Punjab with no house of their own.

The Punjab Government announced that loan distribution would start soon. If you are eligible and registered under the scheme, you can receive financial help to build your own home.

Why This Scheme Matters

The Apni Chhat Apna Ghar Scheme provides real benefits:

Gives poor families a chance to build a permanent home.
Removes the burden of paying high rent.
Encourages economic stability and social security.
Provides long-term, interest-free support rather than short-term cash handouts.

Eligibility Criteria for Apni Chhat Apna Ghar Scheme

To qualify for the 15 lakh loan, you must meet the following conditions:

You must live in Punjab.
You must not already own a home.
You must have a 10 Marla plot in your name.
You must have completed the PSER survey.
You must not have any illegal activities linked to your name.
You must never have traveled abroad.
Your poverty score must be less than 40%.
You must not have taken any bank loan previously.

Key Features of Apni Chhat Apna Ghar Scheme

Feature	Details
Loan Amount	Up to 15 lakh rupees
Interest Rate	0% (interest-free loan)
Repayment Duration	7 years – easy installments
Who Can Apply	Low-income Punjab residents without their own house
Plot Requirement	Must own a 10 Marla plot
Poverty Score	Must be less than 40%
PSER Survey	Must be completed before applying
Bank Loan History	Must not have taken any bank loan before
Travel History	Should not have traveled abroad

Registration Procedure

If you are eligible, follow the steps below to register for the scheme online:

Visit the official website of Apni Chhat Apna Ghar Scheme: acag.punjab.gov.pk.
Click on “Apply Now” to start your application.
Fill in the form carefully with your personal details.
Upload the required documents, including:
- Passport-size photo.
- CNIC (front and back).
- Partner’s CNIC (if married).
- Proof of income.
If you are a husband, also add your wife’s details.
If you are a woman, add your husband’s or father’s details.
Submit the form online.

Once you submit the form, the government will verify your information. You will be notified by SMS or email about your application status. If approved, you will receive an interest-free loan up to 15 lakh rupees, repayable in 7 years.

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Required Documents for Apni Chhat Apna Ghar Scheme

During registration, keep the following documents ready:

Valid CNIC (both sides).
Personal phone number.
Passport-size photograph.
Proof of monthly income.
Spouse’s CNIC (if applicable).
Plot ownership proof (if asked).

These documents help the government verify your eligibility and speed up the approval process.

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Document Upload Tips

To avoid delays, follow these simple tips when uploading your documents:

Scan documents clearly using apps like CamScanner or Adobe Scan.
Save files in JPG or PDF format.
File size should be 1MB to 2MB per document.
Make sure both sides of your CNIC are visible and not cropped.
Double-check all entries before clicking submit.

Verification and Loan Approval Timeline

After submission, your application goes through the following process:

Initial screening by the Apni Chhat Apna Ghar team.
Verification of your CNIC, PSER survey, and plot ownership.
Approval notification via SMS or email.
Loan disbursement starts once verification is complete.

The entire process may take a few weeks depending on the number of applications received.

Benefits of the 15 Lakh Interest-Free Loan

You can build a permanent home for your family.
No interest payments – only repay the principal in installments.
Government support creates trust and long-term stability.
Easy 7-year repayment plan reduces financial stress.

Common Mistakes to Avoid

Many applications are delayed or rejected due to simple mistakes. Make sure you avoid these:

Entering the wrong CNIC number.
Uploading blurry or incomplete documents.
Not completing the PSER survey before applying.
Submitting without proof of 10 Marla plot ownership.
Using someone else’s phone number or email address.

Double-check all information before submission to ensure fast approval.

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Final Checklist Before Applying

✅ You live in Punjab.
✅ You do not already own a home.
✅ You have a 10 Marla plot.
✅ Your PSER survey is complete.
✅ Your poverty score is less than 40%.
✅ You have not taken any bank loan.
✅ You have your CNIC, phone number, and passport photo ready.

FAQs

1. Who is eligible to apply for the Apni Chhat Apna Ghar Program?

Any resident of Punjab who does not already own a house, has a 10 Marla plot, a poverty score below 40%, has not taken any bank loan, and has completed the PSER survey can apply.

2. How much loan can I get and how will I repay it?

You can get an interest-free loan up to 15 lakh rupees. The repayment period is 7 years, and you will repay in small monthly installments without any extra charges.

3. What documents are needed to apply for the scheme?

You need a valid CNIC (front and back), personal phone number, passport-size photograph, spouse’s CNIC (if applicable), and proof of monthly income. Keep these ready before applying online.

Key Takeaway

The Apni Chhat Apna Ghar Scheme 2025 is a golden opportunity for low-income families in Punjab to build their own homes without paying any interest. By preparing your documents carefully, following the eligibility rules, and submitting your application online, you can benefit from a 15 lakh rupee loan from the Punjab Government.