CM ‘Apni Chhat Apna Ghar’
Punjab Chief Minister Maryam Nawaz has approved Rs62 billion for the CM Apni Chhat Apna Ghar program in another important public welfare initiative. Through this revolutionary project, the Punjab government is determined to make the dream of providing a house of its own to the homeless a reality. The Chief Minister has directed that loans be given to 40,000 people by May, and this process should be completed as soon as possible.
Around five thousand people have already received loans under this project across Punjab, while more than 4,200 houses are in the process of being completed rapidly. It was informed in a meeting chaired by the Chief Minister that an amount of Rs1.5 million to Rs2 million is being reviewed to increase the loan amount under this program. This project is playing an important role in providing economic support to the poor and vulnerable sections.
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Through the CM’s ‘Apni Chhat Apna Ghar’, not only are citizens getting an opportunity to fulfill their dream of owning a house, but also pre-built houses are being provided to poor families in collaboration with RODA and Housing and Urban Development. Chief Minister Maryam Nawaz has vowed that this dream of providing every homeless person with their own roof will soon be turned into a reality.
UN-Habitat Scroll of Honour — 5 October 2026
Punjab’s Apni Chhat Apna Ghar programme received the UN-Habitat Scroll of Honour Award 2026 — one of the highest honours of the UN Human Settlements Programme — at a World Habitat Day ceremony at the Oman Convention and Exhibition Centre in Muscat. Chief Minister Maryam Nawaz accepted the award as a specially-invited state guest. The programme was one of five initiatives selected from more than 150 projects worldwide, and the first provincial housing initiative from Pakistan to receive the honour. The Chief Minister dedicated the award to homeless people and families who built homes under the programme.
Oman Meeting — 7 October 2026: Latest Programme Stats
In Muscat, the Chief Minister met Oman’s Minister of Housing and Urban Planning, Dr Khalfan bin Saeed bin Mubarak Al Shueili, who described Punjab’s interest-free housing model as better than Oman’s own housing loan programme. Briefing him, she said more than 200,000 people had received interest-free home-construction loans within 18 months, Rs 260 billion had been disbursed and installment recovery had begun, and over 125,000 families had moved into their homes. She said the recovery rate exceeded 99 percent thanks to the affordable Rs 14,000 monthly installment, and reaffirmed the target of 500,000 houses for low-income families within five years, adding that merit and transparency — with no recommendation required — were the programme’s hallmarks.
Target of 40,000 Loans
The Chief Minister has set an ambitious target to disburse loans to 40,000 individuals by October. To expedite the process, she has directed all concerned departments to accelerate the loan provision under the program. Additionally, a proposal to increase the maximum loan amount from Rs 1.5 million to Rs 2 million is under review. This potential increase would enable beneficiaries to construct more durable and spacious homes.
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Progress and Collaboration
In a special meeting chaired by Chief Minister Maryam Nawaz, critical decisions were made to enhance the program’s efficiency. The meeting revealed that approximately 5,000 citizens across Punjab have already received loans through the CM ‘Apni Chhat Apna Ghar’. Furthermore, over 4,200 houses are nearing completion, marking a significant achievement in improving living conditions for the underserved population.
The program is being implemented in collaboration with the Punjab Rural Development Authority (RODA) and the Housing and Urban Development Department, ensuring comprehensive support for housing construction. Along with providing loans, the government is directly assisting poor families by facilitating the construction of homes in urban and rural areas.
Eligibility Criteria for Apni Chhat Apna Ghar Scheme
To apply for the Apni Chhat, Apna Ghar Scheme, applicants must meet the following requirements:
- The applicant or a family member must be a permanent resident of Punjab, as verified by their CNIC.
- The applicant must be the sole owner and possessor of land:
- Urban Areas: Up to 5 Marla.
- Rural Areas: Up to 10 Marla.
- The land must be in Punjab and intended for the construction of a house.
- Applicants with a criminal history, such as convictions for anti-state, anti-social activities, or heinous crimes, are ineligible.
- The applicant must not be a defaulter of any financial institution or bank.
This comprehensive eligibility framework ensures that the scheme reaches deserving individuals who genuinely need housing assistance.
Apni Chat Apna Ghar Scheme Online Registration Step-by-Step Guide
Follow these steps to apply for the Apni Chhat, Apna Ghar Scheme:
Step 1: Visit the Official Portal
- Go to the official website for the Apni Chhat, Apna Ghar Scheme of acag.punjab.gov.pk.
Step 2: Create an Account
- Click on the “Register” button and provide your CNIC, mobile number, and email address to create an account.
Step 3: Complete the Online Form
- Fill out the application form with accurate details, including personal information, income status, and housing requirements.
Step 4: Upload Documents
- Attach scanned copies of required documents, such as CNIC, proof of income, and residential address.
Step 5: Submit the Application
- Review your application for errors and submit it. You will receive a confirmation message with your application number.
Step 6: Track Your Application
- Use the provided application number to track the status of your application online.
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Benefits of the Apni Chhat, Apna Ghar Scheme
The Apni Chhat, Apna Ghar Scheme provides numerous benefits to eligible individuals and families:
- Affordable Loans: Low-interest housing loans of up to Rs 1.5 million (potentially increasing to Rs 2 million) to support home construction.
- Homeless Support: Aimed at reducing homelessness by providing financial assistance for housing.
- Fast Processing: Streamlined loan approval and disbursement process to ensure quick access to funds.
- Urban and Rural Coverage: Supports housing construction in both urban and rural areas of Punjab.
- Government Collaboration: Partnership with RODA and Housing and Urban Development ensures quality housing and reliable support.
- Improved Living Standards: Empowers low-income families to own a home and improve their quality of life.
By following the outlined registration process, eligible individuals can take the first step towards homeownership through this transformative initiative by the Punjab government.
A Vision for Every Citizen
Chief Minister Maryam Nawaz has emphasized her vision of a Punjab where every homeless person has a roof over their head. She described CM ‘Apni Chhat Apna Ghar’ as a fundamental right of every citizen and a cornerstone of her administration’s efforts to improve living standards.
This program represents a transformative initiative, offering financial and infrastructural support to thousands of families. By combining accessible loans and affordable housing options, the government aims to reduce homelessness and improve social equity across Punjab.
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Conclusion
The CM ‘Apni Chhat Apna Ghar’ Program is a landmark initiative by Chief Minister Maryam Nawaz to ensure housing for all. With Rs 62 billion in funding, an expanded loan cap under consideration, and thousands of homes nearing completion, this program is set to bring tangible benefits to Punjab’s citizens. The collaboration with key departments further strengthens its impact, making homeownership a reality for thousands of families.
The Chief Minister has allocated Rs. 62 billion for the CM Apni Chhat Apna Ghar housing initiative in Punjab. This significant investment aims to provide affordable housing to low-income families, ensuring improved living conditions and promoting social welfare across the province.
FAQs
What is the Apni Chhat, Apna Ghar program?
It is a government initiative launched to provide loans and housing support to individuals and families in Punjab, ensuring affordable and accessible housing.
Who is eligible for this program?
The program is targeted at low-income and homeless individuals or families across Punjab.
How much loan can be availed under this program?
Currently, the maximum loan amount is Rs 1.5 million, with a proposal to increase it to Rs 2 million under review.
How many loans have been provided so far?
Approximately 5,000 loans have already been disbursed, with over 4,200 houses nearing completion.
What departments are collaborating in this program?
The program is implemented in collaboration with the Punjab Rural Development Authority (RODA) and the Housing and Urban Development Department.
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