The Apni Chhat Apna Ghar initiative, launched under the leadership of the Chief Minister Punjab, is a groundbreaking scheme that plans to deliver around 100,000 affordable houses and apartments across various areas of the province within four and a half years. As someone familiar with Punjab’s housing sector, I see this program as a lifeline for low-income segments of society who currently live in rented buildings or informal settings. This initiative will facilitate these eligible residents in securing their own houses, providing not just shelter but dignity. With 03 different execution models, the Punjab Housing & Town Planning Agency has been appointed as the executing agency, while the Housing, Urban Development, and Public Health Engineering Department (HUD&PHED) serve as the administrative department, ensuring smooth implementation of this impactful program.
Future Benefits of ACAG Program:”
The Apni Chhat Apna Ghar program is not just about building 100,000 homes — it’s about changing lives by creating improved living conditions for low-income families. From my perspective working in housing outreach, I’ve seen how reduced overcrowding and the shift away from slum dwelling can restore dignity and health. By providing enhanced access to basic amenities like water, sanitation, and electricity, the program fosters increased community safety and security. There’s a clear and positive social impact on target beneficiaries, helping build stronger communities. Beyond that, it has strengthened social cohesion and driven community development, while the construction efforts alone are expected to generate approximately half a million jobs and contribute to the economy, both directly and indirectly.
First Phase and District Included in Phase One
In the first phase of the Apni Chhat Apna Ghar scheme, the provincial government has decided to provide 1,892 free plots spread across 23 housing schemes in 19 districts, including Attock, Bahawalnagar, Bahawalpur, Bhakkar, Chiniot, Faisalabad, Gujrat, Jhang, Jhelum, Kasur, Khushab, Layyah, Lodhran, Mandi Bahauddin, Okara, Rajanpur, Sahiwal, Sargodha, and Vehari. Having worked with community development teams in rural Punjab, I can attest to the significance of such land allocations. While further phases are expected to expand coverage to all districts of Punjab, the overarching goal is to construct 100,000 houses in 4.5 years, directly benefitting poor and middle-income families who struggle to access formal housing.
Key Features of Apni Zameen Apna Ghar
The Apni Zameen Apna Ghar initiative offers an opportunity for eligible families to own a 3-marla plot of land, providing a space to build their own home. With a transparent process and a fair balloting system, this scheme prioritizes vulnerable groups, including widows, orphans, differently-abled individuals, and labourers, ensuring inclusivity and eliminating exploitation. The interest-free, construction loans of up to Rs1.5 million can be repaid over seven years, with manageable monthly payments of Rs14,000. To make the process accessible, the application fee is set to zero, removing any financial barriers for those in need. The entire program is overseen by an eight-member, district-level committee that ensures fairness and accountability throughout. Preference is given to the most deserving candidates, making this an opportunity for families who may not have had the chance to own property before.
Eligibility Criteria for Apni Zameen Apna Ghar
- To qualify for the Apni Zameen Apna Ghar scheme, applicants must be permanent residents of Punjab and must apply only within their home district.
- They must not own any property in Pakistan, including the property of their spouse or dependent children.
- Applicants need to be registered with the National Socio-Economic Registry (NSER) and have a PMT score of 60 or below.
- Monthly household income must be less than Rs50,000.
- Applicants must be 18 years or older, with married individuals given priority.
- They should have no criminal record or history of loan defaults.
- The applicant must be the head of a nuclear family, as verified by NADRA.
- For Apni Chhat Apna Ghar, the applicant must already own a parcel of land (either 5-marla in urban areas or 10-marla in rural areas) to qualify for house construction support.Construction Loan Process for AZAGFor those who have been allotted plots under the Apni Zameen Apna Ghar program, an interest-free construction loan of Rs1.5 million is available. The process begins by confirming plot ownership and then submitting the required documents via acag.punjab.gov.pk or at the DC office. Once the documents are submitted, they go through a verification process by the relevant departments. After this, the loan disbursal is done in instalments, and there is a three-month grace period before the monthly repayment of Rs14,000 begins, which will continue for seven years. As of May 2025, more than Rs924 million has already been recovered from 25,500+ loans, reflecting a strong repayment culture among beneficiaries.How can I apply for Apni Chhat Apna Ghar?/
- Visit the official website to apply for loan
- Fill the online application form.
- Upload the required documents…
- Submit your application.
- Wait for the verification and approval process.How to apply for the 3 Marla scheme?Check the official website the link of which is given below and when the URL will be activated, apply for it.Gather all the required documents for the process and apload these documents on along the application.Required Documents
- Valid CNIC (applicant and spouse)
- Proof of Punjab residency (utility bill or domicile)
- NADRA family registration certificate
- Income verification or affidavit (for informal workers)
- NSER verification (PMT ≤ 60)
Online Applications Process
If you want to apply for Apni Zameen Apna Ghar click on this: https://azag.punjab.gov.pk
If you want to apply for loan facility of Apni Chhat Apna Ghar for house click on this link: https://acag.punjab.gov.pk