🏠 Apni Chhat Apna Ghar Scheme 2024 – A Revolutionary Housing Initiative by the Punjab Government
📌 Introduction
“Apni Chhat Apna Ghar Program” is a landmark housing scheme launched in 2024 by the Chief Minister of Punjab… The goal is to provide 100,,000 affordable houses/apartments to low-income families across the province… This scheme aims to enable those living in rented houses or informal settlements to finally own a permanent home…
This initiative is not just a housing program but a major contributor to social welfare,, economic growth,, and community development in Punjab…
📊 Key Highlights
Feature | Details |
Scheme Name | Apni Chhat Apna Ghar (ACAG) |
Target Housing Units | 100,,000 |
Completion Period | 4…5 years |
Target Beneficiaries | Low-income individuals,, tenants,, slum residents |
Execution Models | 3 distinct implementation models |
Implementing Agency | |
Administrative Department | Housing,, Urban Development,, and Public Health Engineering Dept… (HUD&PHED) |
🎯 Expected Outcomes
- Improved housing standards for low-income families
- Reduction in overcrowded and slum areas
- Access to essential utilities (water,, sanitation,, electricity)
- Enhanced safety and community infrastructure
- Positive social impact on vulnerable groups
- Strengthened social harmony and neighborhood cohesion
- Generation of approx… 500,,000 jobs (directly and indirectly)
- Significant boost to Punjab’s economy
✅ Eligibility Criteria
Applicants must meet the following conditions:
- Must be the head of their nuclear family (as per NADRA)
- Must be a permanent resident of Punjab (as per CNIC)
- Must own and possess a plot of up to 5 Marla (urban) or 10 Marla (rural) anywhere in Punjab at the time of application submission
- Should not have any criminal record (anti-state,, anti-social,, or serious crimes)
- Should not be a loan defaulter of any bank or financial institution
- Must be registered with NSER (National Socio-Economic Registry) and have a PMT score of 60 or below
📝 How to Apply Online?
Follow these steps to register:
- Visit the official website:
🔗 https://acag…punjab…gov…pk - Click on the “Citizen Registration Form”
- Fill out your personal details:
- Full Name
- CNIC Number
- Father’s/Husband’s CNIC Number
- Gender
- Mobile Number
- Email Address
- District,, Tehsil,, and City
- Create and confirm a secure password
- Submit the form to receive your registration certificate
- Complete your application with required documents
📞 Contact Information
- PHATA Head Office:
☎️ 042-99213419 | 042-99213428
📧 Email: info@phata…punjab…gov…pk - Toll-Free Helpline:
📞 0800-09100
❓ Frequently Asked Questions (FAQs)
Q1: Who can apply for this scheme?
Only permanent residents of Punjab who fulfill the eligibility criteria are allowed to apply…
Q2: Is owning a plot mandatory?
Yes,, the applicant must already own a residential plot within the required size limit…
Q3: Are loans interest-free?
Yes,, the loans provided under this scheme are completely interest-free…
🔚 Conclusion
The Apni Chhat Apna Ghar Scheme 2024 offers a once-in-a-lifetime opportunity for low-income families in Punjab to secure their dream of homeownership… It’s a symbol of progress,, dignity,, and prosperity led by the Government of Punjab… If you meet the criteria,, don’t miss this chance — apply now!
If you’re planning to apply for the Apni Zameen Apna Ghar scheme, here’s a complete step-by-step guide to help you through the process:
