In a bold step toward providing housing security for low and middle-income families in Punjab, Chief Minister Maryam Nawaz has officially relaunched the Apni Chhat Apni Ghar Scheme. With its fifth phase now active, thousands of families have a new opportunity to turn their dream of owning a home into reality — and that too, without paying any interest on loans.
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What is the Apni Chhat Apni Ghar Scheme?
The Apni Chhat Apni Ghar Scheme is a major housing initiative by the Punjab Government. It’s designed to help people from low and middle-income backgrounds build or buy their own homes.
The best part? The government is offering interest-free loans up to Rs. 15 lakh, making it easier for deserving families to afford a safe and stable place to live. This scheme is not just about homes — it’s about dignity, stability, and opportunity.
What’s New in the 2025 Relaunch?
Under the leadership of CM Maryam Nawaz, the scheme has entered Phase 5, with new improvements and wider access.
Here’s what’s different this time:
- More transparent balloting through an online system
- Simpler application process via a dedicated portal
- Expanded reach to more cities and rural districts
- Stronger focus on families who don’t already own a house
The government is using digital tools to make sure the process is fair, fast, and free of hassle.
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Key Features of the Scheme
Here’s a quick look at what makes this scheme so special:
| Feature | Details |
|---|---|
| Loan Amount | Up to Rs. 15 lakh |
| Interest Rate | 0% – Fully Interest-Free |
| Repayment | Flexible and family-friendly |
| Eligibility | Punjab residents only |
| Target Group | Low and middle-income families |
This is truly a once-in-a-lifetime opportunity for families who have always dreamed of a home but never had the financial means.
How to Check Phase 5 Balloting Results
If you applied in the past and are waiting to see if you got selected, here’s how you can check:
- Visit the official website:
👉 https://acag.punjab.gov.pk/Layouts/BallotingResults.aspx - Enter your CNIC Number
- Click on Search
- If your name is in the list, congratulations! You’ve been selected for the loan.
No need to stand in long queues. Everything is just a few clicks away.
How to Apply (If You Haven’t Registered Yet)
Didn’t apply before? Don’t worry — you still have a chance!
Follow these simple steps:
- Go to the official portal:
👉 https://acag.punjab.gov.pk - Click on “Apply Online” or “Apply for Loan”
- Fill in your personal information:
- Full Name (as per CNIC)
- CNIC Number
- Mobile Number
- Full Residential Address
- Monthly Income and Family Size
- Upload the required documents:
- CNIC (Front and Back)
- Domicile (Punjab)
- Latest Utility Bill (Electricity/Gas)
- Proof of Income (Salary Slip, Pension, etc.)
- Review and click Submit
After submission, you’ll receive a confirmation message on your mobile number. Make sure to enter an active phone number.
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Who is Eligible?
To ensure fairness, the scheme is available only to those who meet the following criteria:
- You must live in Punjab and have a valid CNIC
- Your monthly income should fall within low or middle-income range
- You do not already own a house
- You should have a clean financial record (no major loan defaults)
Required Documents Checklist
Make sure you have the following before applying:
- ✅ CNIC (Front and Back)
- ✅ Punjab Domicile Certificate
- ✅ Utility Bill (Electricity, Gas, etc.)
- ✅ Proof of Monthly Income (Salary Slip, Business Proof, etc.)
Need Help? You’re Not Alone
If you face any problems during the application or checking process, help is just a call or visit away:
📞 Helpline: 0800-09100
🏢 Visit your nearest Deputy Commissioner Office or PHATA Office
You can also talk to field teams that may visit your area for awareness and support.
Why This Scheme Matters
The Apni Chhat Apni Ghar Scheme isn’t just a loan facility. It’s a path to a better life.
- Families can live without fear of eviction
- Children can grow up in a stable environment
- Savings are easier when you’re not paying high rent
- It boosts local construction jobs and small businesses
With CM Maryam Nawaz’s vision, this scheme promises to change thousands of lives across Punjab.
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Conclusion
The relaunch of Apni Chhat Apni Ghar Scheme in 2025 is a powerful message from the Punjab Government: every family deserves a safe and affordable home.
- If you’re eligible, don’t miss this chance.
- If you’ve applied already, check the Phase 5 list today.
- If you haven’t, register now and take the first step towards owning your home.