Apni Chhat Apna Ghar Program New Registration 2025
The Apni Chhat Apna Ghar Program (ACAG) 2025 is a radical housing creativity launched by Punjab Chief Minister Maryam Nawaz Sharif to help low-income and bourgeois relations construct their own families. Under this arrangement, qualified people can obtain interest-free or low-interest loans to build families happening their owned plots.
So far, 1,562 houses have been efficaciously finalized, and loans worth Rs. 26.97 billion have been expended to over 25,000 families. Moreover, 11,500 families have customary the following loan part, while 1,106 new tenders have been agreed. If you own a plot (1-5 marla in metropolitan spaces or 1-10 marla in rural spaces), you can apply for financial help under this package.
This step-by-step guide covers eligibility criteria, online/offline registration, required documents, and loan details to ensure you can apply without any hassle.
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Quick Overview – Apni Chhat Apna Ghar Program New Registration 2025
| Detail | Information |
| Program Name | Apni Chhat Apna Ghar Program (ACAG) |
| Launched By | Punjab Government (Chief Minister Maryam Nawaz Sharif) |
| Start Date | January 2024 |
| Last Date to Apply | December 31, 2025 (Expected) |
| Loan Amount | Up to Rs. 1.5 Million (Based on Plot Size) |
| Eligible Areas | Urban (1-5 Marla) & Rural (1-10 Marla) |
| Application Method | Online (https://acag.punjab.gov.pk) or Offline (DC Office) |
| Helpline | 042-99213419, 042-99213428 / Email: info@phata.punjab.gov.pk |
Eligibility Criteria for Apni Chhat Apna Ghar Program
To qualify for the ACAG housing loan, candidates must meet the following circumstances:
Punjab Residency – Must be a permanent resident of Punjab with a valid CNIC.
Plot Ownership – Must own a 1-5 marla plot (urban) or 1-10 marla (rural).
No Criminal Record – Applicant should not be intricate in illegal events.
No Loan Default – Must not be a defaulter in any bank or government scheme.
Income Limit – Priority given to low-income & middle-class families.
More Read:Facing AZAG Application Rejection in 2025
How to Apply Online for Apni Chhat Apna Ghar Program
The Punjab Government has finished the bid process simple and online. Follow these steps:
Step 1: Visit the Official Website
Go to https://acag.punjab.gov.pk
Step 2: Create an Account
Register using your CNIC & mobile number (OTP substantiation required).
Step 3: Fill the Application Form
The form has three parts:
- Personal & Property Details (Name, Address, Plot Size, Loan Amount)
- Document Upload (CNIC, Property Papers, Income Proof)
- Final Submission (Review & Submit)
Step 4: Track Application Status
After proposal, you can checkered your loan approval rank online.
Offline Registration – Apply Through DC Office
For those who don’t have internet access, the Punjab Administration has set up registering desks at all Second-in-command Official (DC) Offices.
Visit your nearest DC office
Submit documents & application form
Get a receipt for tracking
Required Documents for ACAG Loan Application
CNIC Copy (Applicant & Co-owner if any)
Proof of Plot Ownership (Registry/Lease Leaflets)
Recent Utility Bill (Electricity/Gas)
Income Certificate (If applicable)
Passport-size Snap
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Loan Amount & Repayment Plan
Loan Amount:
- Urban Areas (1-5 Marla): Up to Rs. 1.5 Million
- Rural Areas (1-10 Marla): Up to Rs. 1 Million
Repayment:
- Flexible installments (5-10 years)
- Low-interest or interest-free (Conditions apply)
ACAG Helpline & Contact Information
For any queries or application issues, contact:
Helpline: 042-99213419, 042-99213428
Email: info@phata.punjab.gov.pk
Office Address: Punjab Housing & Town Preparation Agency (PHATA), Lahore
More Read: AZAG Scheme Reapplication Process 2025
Final Words – Don’t Miss This Opportunity!
The Apni Chhat Apna Ghar Program New Registration 2025 is a life-changing chance for Punjab residents who dream of owning a house. With easy online/offline registration and transparent loan processing, thousands of children must now benefited.
Apply Now: ACAG Official Portal
Deadline: December 31, 2025 (Expected)