FAQS

Apni Chat Apna Ghar is a comprehensive housing initiative launched by the Government of Punjab to provide affordable housing to low-income and deserving families. The scheme offers interest-free or subsidized loans so that families can construct their own homes on their existing plots without the burden of heavy bank interest.

The scheme was launched by Chief Minister Punjab Maryam Nawaz Sharif to help low-income and middle-class families who cannot afford to build their own homes or are forced to live in rented houses. The goal is to provide every deserving family with a permanent roof where they can live with dignity and peace.

The key benefits include:
✅ Interest-free loans (government covers 60% of cost, beneficiary pays 40%)
✅ Affordable monthly installments (Rs. 14,000 – 26,000 approx.)
✅ Job creation in construction sector
✅ Transparent online process
✅ Improved quality of life with basic facilities

The Punjab government aims to complete 100,000 housing units within a few years under different execution models across the province.

Yes, this scheme is specifically for permanent residents of Punjab as per their CNIC. Applicants must be residents of Punjab to be eligible.

The applicant must:
Be the head of family as per NADRA records
Be a permanent resident of Punjab
Own the land (1-5 marla in urban areas, 1-10 marla in rural areas)
Have no criminal record
Not be a loan defaulter of any bank
Have PMT score of 60 or less

Urban areas: Applicant must own a plot of 1 to 5 marla
Rural areas: Applicant must own a plot of 1 to 10 marla

Yes, women can apply if they are the head of family as per NADRA records and meet all other eligibility criteria.

The scheme does not specify a strict age limit, but the applicant must be an adult (18+ years) and capable of repaying the loan installments.

The scheme is designed for families who do not already own a pucca house. If you already have a permanent house, you may not be eligible.

The scheme targets low-income families. While no specific income bracket is published, the PMT score of 60 or less ensures that only the most deserving families are selected.

No.

✅ Valid CNIC of applicant
✅ Land ownership documents (proof of plot ownership)
✅ Family details as per NADRA
✅ Contact information (mobile and email)
✅ NSER/PMT score verification documents (if applicable)

No, the application process is primarily online. You will upload scanned copies of your documents on the official portal. However, if you apply offline, you may need to submit physical copies.

Yes, all applications are verified through NADRA database to confirm identity, family details, and eligibility. Government Responsibility.

Incomplete applications may be rejected during verification. Make sure you have all required documents before applying.

Follow these steps:
Visit official portal: acag.punjab.gov.pk
Click on “Registration” button
Fill the citizen registration form with authentic details
Upload required documents (CNIC, land proof)
Submit the form
You will receive confirmation via SMS or email

Yes, if you have difficulty applying online, you can visit your nearest registration center or Deputy Commissioner Office where staff will assist you. You can also call toll-free helpline 0800-09100 for assistance.

No, the application process is completely free. Beware of fraudulent agents asking for money.

Deadlines are announced by the government periodically. Check the official portal or our Blog for latest updates.

Once submitted, you may not be able to edit all fields. However, you can contact the helpline or visit the nearest center for assistance with corrections.

Yes, you will receive confirmation via SMS or email with your application details and tracking information.

Go to https://acag.punjab.gov.pk/Login.aspx
Click on “Login” button
Enter your CNIC (without dashes) and password (created during registration)
Click “Login” to access your dashboard

Use the “Forgot Password” option on the login page. You will receive instructions to reset your password via SMS or email.

Login to your dashboard
Click on “Application Status” section
View current status (Under Review / Verified / Eligible / Not Eligible / Selected)

Your application is being verified by the concerned authorities for accuracy and eligibility.

Yes, you can also check status by visiting the portal and clicking on “Application Status” section, then entering your CNIC and registration details

PMT (Poverty Measurement Tool) score is a socio-economic score that determines a family’s eligibility for the scheme. It is based on various factors including income, assets, and living conditions.

Applicants must have a PMT score of 60 or less to be eligible for the scheme

You can check your PMT score through:
NSER portal
ACAG verification process during application review
Nearest registration center

PMT score ensures that only the most deserving families are selected. Applicants with lower scores (more deserving) get priority in the balloting process.

Balloting results are the official results published on the ACAG portal after a computerized draw is conducted among eligible applicants. This transparent process selects beneficiaries for the scheme.

Visit acag.punjab.gov.pk
Look for “Balloting Results” button
Enter your CNIC or application number
View your result
You can also download district-wise PDF lists and search for your name.

If selected:
Complete the verification process
Submit documents for final verification
Sign loan agreement
Receive installment schedule
Start construction process

Possible reasons:
Application was incomplete
PMT score didn’t meet criteria
Documents missing during verification
Limited quota in your district
You can wait for future balloting phases and keep checking your status.

Government covers: 60% of construction cost
Beneficiary pays: 40% in installments
Duration: 5-7 years
Monthly installment: Approximately Rs. 14,000 – 26,000 (similar to rent)

Yes, the scheme offers interest-free loans with government subsidy. No additional interest is charged.

Installments begin after loan approval and agreement signing, usually once construction starts.

📞 Toll-free: 0800-09100
📞 Alternate numbers: 042-99213419, 042-99213428
📧 Email: info@phata.punjab.gov.pk
🌐 Official portal: acag.punjab.gov.pk

District-wise lists, quotas, and updates are published on the official ACAG portal. You can also visit our HTML Sitemap for all pages.