Apni Chhat Apna Ghar Scheme 2025 Phase 2

The Punjab Government has officially launched Phase 2 of the Apni Chhat Apna Ghar (ACAG) Scheme 2025, offering interest-free housing loans up to Rs 1.5 million. This initiative aims to support low-income families who own a small plot but cannot afford to build or complete their houses. The program is active, funded, and expanding in 2025, with budget allocations and government confirmations ensuring transparency.

Key Features of Apni Chhat Apna Ghar Scheme 2025 (Phase 2)

Loan Size: Up to Rs 1,500,000 (interest-free).
Repayment Tenure: 7–10 years (example: Rs 12,500 per month for 10 years).
Target Group: Low-income families without a completed house.
Transparency: Run by Punjab authorities (PHATA / SMU / DGPR).
Funds Released in 3 Phases: Linked to construction progress.

Eligibility Criteria – Who Can Apply?

You are eligible if you:

Are a permanent resident of Punjab.
Have low family income (below program threshold).
Own land (up to 5 marla urban / 10 marla rural) OR an incomplete house.
Do not own a fully constructed house.
Possess a valid CNIC and registered mobile number.
Priority given to widows, orphans, disabled persons, and labour-class families.

Required Documents

CNIC (original & copy)
Proof of income (salary slip / undertaking)
Land ownership documents (fard/registry)
Latest utility bill (for address verification)
Family Registration Certificate (FRC)
2 passport-size photos
Widow/Divorce/Disability certificates (if applicable)

How to Apply Online – Step by Step

Visit the official portal: acag.punjab.gov.pk
Click on “Apply Now” and create/login to your account.
Enter your details: CNIC, name, mobile, income, and land details.
Upload the required documents.
Submit the application and note your application/reference number.
You will receive an SMS confirmation.

Verification & Loan Approval Timeline

Stage	Process	Time (Approx.)
Screening	Document & data check	10–15 days
NADRA & Land Verification	CNIC/biometrics & ownership check	20–25 days
Site Inspection	Physical visit to verify house/land	10–15 days
Final Approval & Loan Papers	SMS/call confirmation, documentation	30–60 days
Disbursement (3 Phases)	40% → 30% → 30% (based on construction stage)	Linked to build progress

Loan Disbursement & Installments

Disbursement: In 3 phases – 40% (verification) → 30% (structure) → 30% (finishing).
Installments Example: Rs 15,00,000 / 10 years ≈ Rs 12,500 per month.
No Interest: 100% interest-free loan.

Common Reasons for Rejection

Income above program threshold.
Land ownership issues / unclear title.
Missing or fake documents.
Already owning a fully constructed house.

Benefits of the Scheme

Zero Markup Loan (no interest).
Flexible Tenure (up to 10 years).
Milestone-Based Disbursements (ensures proper use).
Transparent Processing (official portals & budget-backed).
Boosts construction sector and creates jobs.

Official Sources

DGPR Punjab official coverage.
Punjab Budget Books (fund allocation).
PITB official portal: acag.punjab.gov.pk.
Helpline: 0800-09100.

FAQs – Apni Chhat Apna Ghar 2025

Q1. What is the loan amount and is it interest-free?
Yes, up to Rs 1.5 million, completely interest-free.

Q2. Who can apply?
Low-income Punjab residents with land but no completed house. Priority for widows, orphans, disabled.

Q3. Do I need land in my own name?
Yes, ownership/title documents must be in your name.

Q4. How long does approval take?
On average, 30–60 days after verification.

Q5. How is money released?
In three tranches (40% / 30% / 30%), linked to construction stages.

Conclusion

The Apni Chhat Apna Ghar Scheme 2025 Phase 2 is a golden opportunity for Punjab’s low-income families to build their dream homes with Rs 15 lakh interest-free financing. With milestone-based disbursements, flexible installments, and transparent processing, this scheme ensures that deserving families can move into their own safe and dignified homes in 2025.

👉 Apply now at acag.punjab.gov.pk before applications close!