Apni Chhat Apna Ghar Scheme 2025 Apply Online
The Government of Punjab has introduced the “Apni Chhat Apna Ghar” Scheme 2025, aiming to provide interest-free loans to eligible residents for constructing their own homes. This comprehensive guide offers detailed information on the scheme’s eligibility criteria, application process, district-wise loan quotas, and more.
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Eligibility Criteria for Apni Chhat Apna Ghar Scheme
To qualify for the Apni Chhat Apna Ghar Scheme, applicants must meet the following conditions:
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Family Head: The applicant must be recognized as the head of their nuclear family according to NADRA records.
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Permanent Residency: Applicants should be permanent residents of Punjab, as indicated on their Computerized National Identity Card (CNIC).
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Land Ownership: Ownership of a plot measuring up to 5 Marlas in urban areas or up to 10 Marlas in rural areas within Punjab is mandatory. The land should be in the applicant’s name at the time of application.
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Criminal Record: Applicants must have a clean criminal record, free from any involvement in anti-state, anti-social, or serious crimes.
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Financial Standing: Applicants should not be defaulters of any financial institution or bank.
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NSER Registration: Registration with the National Socio-Economic Registry (NSER) is required, with a household Proxy Means Test (PMT) score of 60 or below.
How to Apply for Apni Chhat Apna Ghar Scheme
Applicants can choose between online and offline methods to apply for the scheme.
Online Application Process
Visit the Official Portal: Navigate to the official website: https://acag.punjab.gov.pk/.
Registration: Click on the “Register” button located at the top right corner of the homepage.
Fill Out the Registration Form: Provide accurate information, including:
- Full Name
- CNIC Number
- Father’s or Husband’s CNIC Number
- Gender
- Email Address
- Mobile Number (specify the network provider if the number is ported)
- Division, District, and City
Set a Password: Create and confirm a secure password for your account.
Submit the Form: After ensuring all details are correct, click on the “Register” button to complete the process.
Certification: Upon registration, you’ll receive a certification form. Confirm your eligibility by certifying each category as required.
Application Form: Proceed to fill out the application form, providing general information, attaching necessary documents, and adding any additional remarks before submission.
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Offline Application Process
For those without internet access, the scheme offers an offline application method:
- Helpline: Call the dedicated helpline at 0800-09100 to receive information and assistance with the application process.
District-Wise Loan Quota
The Punjab Government has allocated loan quotas across various districts to ensure equitable distribution. Below is a breakdown of the district-wise loan distribution:
Central Region
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Bhakkar: 283 loans
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Khushab: 243 loans
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Layyah: 366 loans
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Mianwali: 307 loans
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Muzaffargarh: 714 loans
Faisalabad Region
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Chiniot: 313 loans
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Faisalabad: 851 loans
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Jhang: 451 loans
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Sargodha: 520 loans
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Toba Tek Singh: 376 loans
North Region
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Gujranwala: 657 loans
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Hafizabad: 302 loans
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Kasur: 484 loans
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Lahore: 1,690 loans
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Nankana Sahib: 314 loans
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Narowal: 357 loans
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Okara: 518 loans
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Pakpattan: 401 loans
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Sheikhupura: 512 loans
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Sialkot: 570 loans
This distribution ensures that residents across various districts have access to the scheme’s benefits.
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Final Thoughts
The Apni Chhat Apna Ghar Scheme 2025 is a significant initiative by the Punjab Government to assist residents in building their own homes through interest-free loans. By meeting the specified eligibility criteria and following the outlined application procedures, eligible individuals can take a substantial step toward achieving their dream of homeownership. For more information or assistance, applicants can visit the official website or contact the helpline at 0800-09100.