Apni Chhat Apna Ghar (ACAG) Program
The Apni Chhat Apna Ghar (ACAG) Program has been launched by Punjab Chief Minister Maryam Nawaz Sharif to provide affordable houses to low-income families. Under this scheme, eligible individuals can receive a 15 lakh rupees interest-free loan from the Punjab government to construct their own home.
📢 Great News! The registration process for the first phase is now open! This article provides a step-by-step guide to help you apply easily. If you want to secure financial assistance under this scheme, read this article carefully to learn the complete registration process and eligibility criteria.
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What is the Apni Chhat Apna Ghar (ACAG) Program?
The Punjab Government has structured this program into three execution models:
✅ Phase 1: 70,000 families will receive a 15 lakh rupees loan each.
✅ Phase 2: 20,000 housing units will be provided.
✅ Phase 3: 10,000 housing units will be distributed.
This initiative aims to help poor and deserving families fulfill their dream of homeownership. If you meet the eligibility criteria, apply now and take the first step toward your own home!
Eligibility Criteria – Who Can Apply?
Before applying, ensure you meet the following eligibility criteria:
| Eligibility Requirement | Details |
|---|---|
| Permanent Residency | Applicant or family member must be a resident of Punjab (as per CNIC). |
| Land Ownership | Must own 5 marla or less (urban) or 10 marla or less (rural) land. |
| No Criminal Record | Applicants must not have a criminal history. |
| No Bank Default | Applicants should not be defaulters of any bank or financial institution. |
If you meet these conditions, you are eligible to apply for the 15 lakh rupees interest-free loan under this scheme.
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Step-by-Step Guide: How to Register for the ACAG Program?
✅ Method 1: Online Registration (Easy & Fast!)
Follow these steps to apply online for the ACAG program:
1️⃣ Visit the Official Website of the Apni Chhat Apna Ghar (ACAG) Program.
2️⃣ Click on the “Register” button on the homepage.
3️⃣ Fill in the Citizen Registration Form with accurate details.
4️⃣ Create an account by entering your email and password.
5️⃣ Log in to your account and verify your eligibility.
6️⃣ Complete the Registration Form (General Information, Document Upload, and Opinion Section).
7️⃣ Click on “Submit Application” and receive a confirmation message.
💡 Note: Ensure all details are correct to avoid application rejection!
✅ Method 2: Offline Registration (Visit Your DC Office)
If you are unable to apply online, visit the nearest Deputy Commissioner (DC) Office to complete the registration at the ACAG registration desk.
📌 Required Documents:
- Original CNIC
- Land Ownership Documents
- Proof of Punjab Residency
Once your application is approved, you will be notified about the next steps.
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Latest Updates on ACAG Program – March 2025
📢 Breaking News! The Punjab Government has provided loans to thousands of families, and many have already completed their home construction.
🔹 As of March 2025:
✔️ 544,000 people have created accounts on the ACAG web portal.
✔️ 280,000 applications have been successfully submitted.
✔️ 76,000 applications are still in draft mode.
📌 IMPORTANT UPDATE:
The fifth list of eligible families has been released. Check the ACAG website to see if your name is on the latest balloting list.
✅ If you haven’t applied yet, hurry up! Complete your registration today to take advantage of this golden opportunity.
FAQs – Frequently Asked Questions
❓ What is the last date to apply for the ACAG program?
✅ The government has not announced a deadline yet, but apply as soon as possible before the first phase closes.
❓ How long does it take to get the 15 lakh rupees loan?
✅ Once your application is approved, the Punjab Government will process your loan within a few months.
❓ Is the ACAG loan really interest-free?
✅ Yes! The 15 lakh rupees loan is 100% interest-free, making it easy for deserving families to build their homes.
❓ Can I apply if I don’t own land?
✅ No, you must own 5 marla (urban) or 10 marla (rural) land to qualify for this program.
❓ Where can I check my application status?
✅ Visit the official ACAG website and log in to check your registration status.
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Conclusion – Don’t Miss This Chance!
The Apni Chhat Apna Ghar (ACAG) Program is a life-changing opportunity for low-income families in Punjab. By applying for this scheme, you can receive 15 lakh rupees interest-free loan and build your dream home.
💡 Important Reminders:
✔️ Check your eligibility and apply before the first phase closes.
✔️ Register online or visit the nearest DC Office for offline registration.
✔️ Check the ACAG website regularly for updates and new balloting lists.
📢 If you found this article helpful, share it with others so they can also benefit from this program! ✅