Apni Chhat Apna Ghar Program 2026 | How to Apply Online

The Apni Chhat Apna Ghar Program is the Punjab government’s flagship housing initiative launched by Chief Minister Maryam Nawaz Sharif to provide interest-free housing loans up to PKR 1.5 million to low-income families who own land, enabling them to build, repair, or expand their homes through easy monthly installments with zero markup.

What you will learn from this guide:

• Complete eligibility criteria and required documents for the Apni Chhat Apna Ghar Program
• Step-by-step online application process through the official portal
• Loan amounts, repayment terms, and how to check application status by CNIC

Key Takeaways

• Interest-Free Financing: The program offers 100% zero-markup loans up to PKR 1.5 million, with the government bearing all processing fees and associated charges.
• Massive Reach: Over 173,158 interest-free loans worth more than Rs. 224 billion have been disbursed, with more than 155,000 houses completed across Punjab.
• Simple Online Application: Applicants can register and apply through the official portal acag.punjab.gov.pk using only their CNIC and property ownership documents.
• New Roof Safety Category: The “Apni Chhat, Mehfooz Chhat” scheme provides Rs. 500,000 loans for roof strengthening and up to Rs. 1 million for additional floors, with monthly installments as low as Rs. 4,700.
• 99% Recovery Rate: The program demonstrates strong financial discipline with over Rs. 14.5 billion recovered in loan repayments, reflecting transparency and borrower commitment.

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Apni Chhat Apna Ghar Program | How to Apply Online

What is the Apni Chhat Apna Ghar Program and Why Was It Launched?

The Apni Chhat Apna Ghar Program is a transformative housing initiative by the Punjab government that provides interest-free loans to low-income families for constructing, repairing, or expanding their homes. Launched under the leadership of Chief Minister Maryam Nawaz Sharif, this program has become one of the largest low-cost housing finance programs in Pakistan’s history.

What is the vision behind CM Maryam Nawaz’s Apni Chhat Apna Ghar scheme?

Chief Minister Maryam Nawaz launched this initiative to fulfill the government’s commitment to ensuring every citizen in Punjab can afford a home. The scheme has enabled nearly 200,000 families to move from rented accommodation into homes of their own. Maryam Nawaz has emphasized that a house represents safety, dignity, and protection for a family, stating that a home is far more than a structure of bricks and mortar.

The program is designed to address the housing crisis facing ordinary Punjabis, where rising rents and climbing building material prices make saving enough money to build even a small house a lifelong challenge. The program turns this impossible dream into reality for thousands of families across the province.

How does the Apni Chhat Apna Ghar Program fit into Punjab’s broader housing strategy?

The program is part of a comprehensive Rs. 700 billion project designed to distribute loans to 5 lakh applicants, aiming to construct five lakh houses over five years. Housing Minister Bilal Yasin has directed authorities to further expand the program’s scope in both urban and rural areas. The program is a flagship project of the Punjab government, and authorities have emphasized that negligence in its implementation would not be tolerated.

The program has been ranked among top international housing innovations, with transparent and merit-based loans being provided to help citizens build their own homes. The government has committed to providing interest-free loans to another 100,000 families in the upcoming fiscal year.

What is the “Apna Ghar, Mehfooz Ghar” category introduced in 2026?

In July 2026, Chief Minister Maryam Nawaz approved a new “Apna Ghar, Mehfooz Ghar” (My Home, Safe Home) category under the flagship program to improve the safety of structurally weak homes and reduce building-related accidents. This initiative was launched in memory of the 14 children who lost their lives in the Kahna roof collapse tragedy.

Under this new category, interest-free loans of Rs. 500,000 are provided for roof strengthening and safety improvements, while loans of up to Rs. 1 million are offered for constructing additional rooms or adding a second storey. The chief minister directed that the monthly installment for the interest-free loan be reduced from Rs. 14,000 to between Rs. 4,700 and Rs. 9,300, making the program more affordable for low-income households.

What is the difference between Apni Chhat Apna Ghar and Apni Zameen Apna Ghar?

The “Apni Zameen, Apna Ghar” (My Land, My Home) program is a companion initiative that targets families who do not own any land. It provides plots together with interest-free loans to build on them. The first phase reportedly allocated 1,534 plots across Jhelum, Kasur, Faisalabad, and Lodhran. Officials stated that 2,000 plots had been distributed in 23 districts under this program.

The key distinction is that Apni Chhat Apna Ghar requires applicants to already own land (up to 5 marlas in urban areas or 10 marlas in rural areas), while Apni Zameen Apna Ghar provides both land and construction financing to landless families.

How does the Punjab Apni Chhat Apna Ghar program differ from the federal PM Apna Ghar programme?

The Punjab Apni Chhat Apna Ghar is a provincial, largely interest-free scheme, while the federal PM (Wazir-e-Azam) Apna Ghar programme offers subsidized bank financing of up to Rs. 10 million at a 5% markup. Depending on income, location, and needs, one may suit a family better than the other.

The Punjab program is specifically designed for low-income families who own small plots, with a maximum loan of Rs. 1.5 million and zero interest. The federal program targets a broader income range with higher loan amounts but carries a markup.

What is the Apni Chhat Apna Ghar Program Loan Amount and Interest Rate?

What is the maximum loan amount under Apni Chhat Apna Ghar Program?

The program offers interest-free loans of up to PKR 1.5 million (15 lakh) for the construction of houses. Under the expanded “Apna Ghar, Mehfooz Ghar” category, interest-free loans of Rs. 500,000 are available for roof strengthening and safety improvements, while loans of up to Rs. 1 million are offered for constructing additional rooms or adding a second storey.

The official online portal offers two financing categories:

• “Apni Chhat, Apna Ghar” program – for housing support (up to Rs. 1.5 million)
• Separate loan for roof repair and rehabilitation – for structural safety (Rs. 500,000 to Rs. 1 million)

Is the Apni Chhat Apna Ghar loan truly interest-free?

Yes, the program offers 100% interest-free (zero markup) loans. The Punjab government bears all processing fees and other associated charges, ensuring beneficiaries receive loans without any additional financial burden. Unnecessary paperwork and complicated procedures have been eliminated to make the program accessible to ordinary citizens.

The chief minister announced that applicants would only require a valid Computerised National Identity Card (CNIC) to apply, eliminating unnecessary paperwork and complicated procedures.

What is the monthly installment for the Apni Chhat Apna Ghar loan?

The monthly installment structure varies based on the loan amount:

• Rs. 500,000 roof safety loan: Monthly installment reduced from Rs. 14,000 to approximately Rs. 4,700
• Rs. 1 million loan: Monthly installment approximately Rs. 9,300
• Standard Rs. 1.5 million loan: Monthly installment approximately Rs. 14,000

The chief minister directed the Housing Department to reduce the monthly installment for the interest-free loan from Rs. 14,000 to between Rs. 4,700 and Rs. 9,300, saying the program should remain within the financial reach of deserving households.

What is the repayment period for Apni Chhat Apna Ghar loans?

Loans are repayable over 7, 8, or 9 years through easy monthly installments:

• Rs. 500,000 roof safety loan: Repayable over nine years through monthly installments of Rs. 4,700
• Rs. 1 million loan: Repayable over seven years through easy monthly installments
• Standard Rs. 1.5 million loan: Repayable over 7 to 9 years

The first three months require no payments, providing a grace period for families to settle into their new homes or complete construction before beginning repayments.

How is the Apni Chhat Apna Ghar loan disbursed?

Loan disbursement processes have been kept simple, transparent, and accessible. Chief Minister Maryam Nawaz ordered that the second installment under the program be released within three days. She also ordered that the process for obtaining housing loans should be simplified.

As of 2026, 173,158 interest-free loans amounting to Rs. 224.457 billion had already been disbursed, enabling thousands of families to own homes. More than Rs. 217.8 billion has been released for the program.

Who is Eligible for the Apni Chhat Apna Ghar Program?

What are the eligibility criteria for Apni Chhat Apna Ghar Program?

Applicants must meet the following criteria to qualify for the program:

• Be a permanent resident of Punjab
• Hold a valid NADRA-issued Computerised National Identity Card (CNIC)
• Own a residential property of up to 5 marlas in urban areas or 10 marlas in rural areas
• Be between 21 and 60 years of age at the time of application
• Be registered as the head of the household
• Must not already own a completed house
• Must not be a loan defaulter of any bank or financial institution
• Must not have been convicted of any serious criminal offence
• Must have clean financial records

The government has stipulated that applicants must not be defaulters of any bank or financial institution and should have a clean financial record. Personal and property records will be verified through NADRA and the Punjab Land Records Authority (PLRA).

What property ownership documents are required for Apni Chhat Apna Ghar?

Applicants must provide digital copies of their CNIC and land ownership documents (Fard/Registry) verified by the land authority. The required documents include:

• Computerised National Identity Card (CNIC)
• Property ownership documents (Fard)
• Photographs of the existing house or roof
• Land ownership documents verified by the land authority

For the Apni Chhat, Mehfooz Chhat scheme, applicants only require a valid CNIC to apply, as unnecessary paperwork and complicated procedures have been eliminated.

Can joint families apply for Apni Chhat Apna Ghar?

Yes, the scheme has been expanded so that joint families can also access easy-installment loans to add living space to an existing home. Families sharing a single residence are eligible for interest-free financing to construct additional rooms or add a second storey.

This expansion recognizes that many Punjabi families live in joint family arrangements and need additional space to accommodate growing families.

Are homeowners with weak roofs eligible for Apni Chhat Apna Ghar?

Yes, homeowners with weak roofs or structurally damaged walls are eligible to apply under the expanded program. Homeowners with dilapidated or structurally vulnerable houses can receive financial assistance of up to Rs. 500,000 for safety improvements and essential repairs.

The program aims to protect low-income families from loss of life and property caused by unsafe buildings, particularly given that increasingly severe weather, including heavy rainfall and windstorms, frequently causes weak roofs and walls to collapse.

What is the PMT score requirement for Apni Chhat Apna Ghar?

The Poverty Means Test (PMT) score is used to determine eligibility for the program. Applicants must meet the specified PMT score threshold to qualify for interest-free loans. PSER registration feeds into eligibility checks for the Apni Chhat Apna Ghar program.

How to Apply Online for Apni Chhat Apna Ghar Program?

What is the official Apni Chhat Apna Ghar portal for online registration?

The official government portal for Apni Chhat Apna Ghar online registration is https://acag.punjab.gov.pk. Applicants can register online through this portal by creating an account. The digital portal was launched to streamline the application process and make it accessible to citizens across Punjab.

How to register for Apni Chhat Apna Ghar Program online?

The online registration process involves the following steps:

1. Visit the official portal at acag.punjab.gov.pk
2. Create an account by entering your credentials
3. Log in to your account
4. Select your preferred loan category
5. Fill out the digital application form with personal, financial, and property land details
6. Upload digital copies of CNIC, property ownership documents (Fard), and photographs of the existing house
7. Submit your application for review

After logging in, applicants are required to select their preferred loan category and upload the necessary documents, including their CNIC, proof of property ownership (Fard), and photographs of the existing house.

Where can applicants submit Apni Chhat Apna Ghar applications offline?

Citizens can submit applications at the offices of Deputy Commissioners (DCs), Assistant Commissioners (ACs), and the Punjab Housing and Town Planning Agency (PHATA). The government has established special help desks at these offices for guidance and application submission.

The Punjab government has established special help desks at the offices of all Deputy Commissioners (DCs), Assistant Commissioners (ACs), and regional and deputy directors in the designated areas, where people can also receive guidance and submit applications.

What is the Apni Chhat Apna Ghar helpline number?

A dedicated toll-free helpline (0800-09100) has been established to facilitate applicants. Applicants can call this number for information and assistance regarding the program. The helpline provides guidance on eligibility, application procedures, document requirements, and status inquiries.

How to Check Apni Chhat Apna Ghar Application Status Online?

How to check Apni Chhat Apna Ghar application status by CNIC?

Applicants can check their application status online through the official portal by:

1. Visiting the official portal at acag.punjab.gov.pk
2. Clicking on “Check Application Status”
3. Entering the Application ID or CNIC number
4. Completing the captcha verification

The portal provides real-time updates on application processing, verification status, loan approval, and disbursement.

Can I check Apna Ghar Apni Chat application status by CNIC from home?

Yes, applicants can check their Apna Ghar Apni Chat application status online from home through the official portal. The process requires only a CNIC number or Application ID. This eliminates the need to visit government offices for status inquiries.

What is the SMS service for Apni Chhat Apna Ghar status check?

Applicants can check their application status by sending their CNIC number to 9000 (the official service number). This SMS service provides a convenient alternative for applicants who may not have internet access.

How to check Apni Chhat Apna Ghar Program balloting result?

The balloting results for the Apni Chhat Apna Ghar program can be checked online through the official portal using the CNIC. The Punjab government regularly releases phase-wise results for the program. The Apni Chat Apna Ghar list (beneficiary list) is available on the official portal, published phase-wise.

What is the Progress and Performance of Apni Chhat Apna Ghar Program?

How many applications have been received for Apni Chhat Apna Ghar?

The program has received an overwhelming public response. More than 1,278,000 applications have been received from homeless families seeking assistance. Reports indicate 1,211,954 applications were received for the program. Registered users exceed approximately 1.88 million.

The scale of this response shows just how badly this kind of support was needed and how serious the government is about solving the housing crisis facing ordinary Punjabis.

How many houses have been completed under Apni Chhat Apna Ghar?

The program has achieved remarkable construction milestones:

• As of June 2026, 100,633 houses had been completed across Punjab
• Overall, 155,594 houses have been completed
• More than 156,000 families have received interest-free loans
• The program has provided 166,000 interest-free loans

A total of 60,139 homes have been completed in rural areas, while 45,325 houses have been built in urban centers, providing affordable housing opportunities to thousands of low-income families across the province.

How many houses are currently under construction?

The construction pipeline remains robust:

• Currently, 28,453 houses are under construction
• Another 32,048 more houses will be started soon
• Approximately 53,843 houses are under construction
• Around 27,500 houses are in the final stages of completion

What is the total amount disbursed under Apni Chhat Apna Ghar?

The financial scale of the program is substantial:

• More than Rs. 217.8 billion has been released for the program
• Over Rs. 215 billion has been issued for house construction
• Rs. 164.66 billion has been disbursed
• Rs. 224.457 billion in interest-free loans have been disbursed

More than Rs. 215.76 billion has already been released for housing construction, demonstrating the government’s commitment to funding the program.

How many families have benefited from Apni Chhat Apna Ghar?

The program has transformed lives across Punjab:

• Nearly 200,000 families have moved from rented accommodation into homes of their own
• 173,158 interest-free loans have been disbursed
• Over 156,000 families have received interest-free loans
• Interest-free loans have been approved for more than 180,000 homeless families

What is the loan recovery rate for Apni Chhat Apna Ghar?

The program has demonstrated strong financial discipline:

• More than Rs. 14.5 billion in loan repayments has been recovered
• The recovery rate is 99%
• Over Rs. 10 billion has been recovered in monthly installments

Officials have highlighted the scheme’s financial discipline as practical proof of the program’s transparency. The high recovery rate reflects the commitment of beneficiaries to repaying their loans and the program’s effective implementation.

Who has benefited from Apni Chhat Apna Ghar – breakdown by gender and region?

According to official data:

• 91,434 men completed construction of their houses
• 14,007 women built their own houses
• 23 transgenders also benefited from the program
• 60,139 houses were completed in rural Punjab
• 45,325 houses were completed in urban areas

The program is trying to reach every corner of society, providing equal opportunities to low-income families in rural and urban Punjab, and supporting beneficiaries across gender identities.

Apni Chhat Mehfooz Chhat – The Roof Safety Loan Scheme

What is the Apni Chhat Mehfooz Chhat scheme?

The Apni Chhat, Mehfooz Chhat (My Roof, Safe Roof) program is a new category launched in July 2026 under the existing Apni Chhat Apna Ghar initiative. It was conceived in memory of the 14 children who lost their lives in the Kahna roof collapse tragedy.

The chief minister stated that she could not sleep the entire night after the Kahna tragedy and that only parents who have lost a child can truly understand the pain of such a tragedy. She personally witnessed the grief of the bereaved families, and the tragedy inspired the provincial government to launch this initiative to ensure that no family suffers a similar loss because of an unsafe house.

Who is eligible for the Apni Chhat Mehfooz Chhat loan?

Punjab residents with weak roofs or structurally damaged homes are eligible. Homeowners with dilapidated or structurally vulnerable houses can receive financial assistance. The program requires only a valid CNIC to apply, making it accessible to ordinary citizens.

The scheme aims to protect low-income families from loss of life and property caused by unsafe buildings. Increasingly severe weather, including heavy rainfall and windstorms, frequently causes weak roofs and walls to collapse, resulting in avoidable deaths and financial hardship.

What is the loan amount and installment for Apni Chhat Mehfooz Chhat?

The program offers two loan categories:

• Rs. 500,000 interest-free loan for roof strengthening and security
• Monthly installment: reduced from Rs. 14,000 to approximately Rs. 4,700
• Up to Rs. 1 million for constructing additional rooms or adding a second storey
• Monthly installment for Rs. 1 million: approximately Rs. 9,300

The chief minister directed that the monthly installment for the Rs. 500,000 loan be reduced from Rs. 14,000 to Rs. 4,700 and for the Rs. 1 million loan to Rs. 9,300, making the program more affordable for low-income households.

How to apply for Apni Chhat Mehfooz Chhat?

Applications can be submitted through multiple channels:

• Online through acag.punjab.gov.pk
• At Deputy Commissioner offices
• At Assistant Commissioner offices
• At PHATA offices

The government has established a digital portal for the scheme, and citizens can apply online through acag.punjab.gov.pk by providing the required information and documents.

What is the repayment period for Apni Chhat Mehfooz Chhat?

The Rs. 500,000 loan is repayable over nine years through affordable monthly installments of Rs. 4,700. The extended repayment period ensures that low-income families can manage the loan without undue financial strain.

Why was the Apni Chhat Mehfooz Chhat scheme launched?

The scheme was launched after the Kahna roof collapse tragedy, where 14 children lost their lives. The chief minister stated that she could not sleep the entire night after the tragedy and that it had inspired the government to ensure no family suffers a similar loss.

Increasingly severe weather, including heavy rainfall and windstorms, frequently causes weak roofs and walls to collapse, resulting in avoidable deaths and financial hardship. The government’s housing initiatives are designed not only to provide shelter but also to make existing homes structurally safer for vulnerable families.

What fees are charged for Apni Chhat Mehfooz Chhat loans?

The Punjab government bears all processing fees and other associated charges, ensuring beneficiaries receive loans without any additional financial burden. Unnecessary paperwork and complicated procedures have been eliminated to make the program accessible to ordinary citizens.

Apni Chhat Apna Ghar Program – Loan Categories and Options

What are the different loan categories under Apni Chhat Apna Ghar?

The official online portal offers two main financing categories:

1. “Apni Chhat, Apna Ghar” program – for housing support (up to Rs. 1.5 million)
2. Separate loan for roof repair and rehabilitation – for structural safety (Rs. 500,000 to Rs. 1 million)

Can I get a loan for home repairs under Apni Chhat Apna Ghar?

Yes, the program now offers interest-free loans for home repairs, roof rehabilitation, and first-floor construction. Homeowners with weak roofs or structurally damaged walls are eligible. The expanded program allows eligible citizens to obtain interest-free loans ranging from Rs. 500,000 to Rs. 1 million through an online portal to build new homes, add new portions, construct roofs, or rehabilitate dilapidated houses.

What is the Apni Chhat Apna Ghar loan for additional floors?

An interest-free loan of up to Rs. 1 million is available for constructing additional rooms or adding a second storey to existing homes. Families sharing a single residence are eligible for this financing to create additional living space.

Can I use Apni Chhat Apna Ghar for purchasing a plot?

Yes, the program provides interest-free loans to enable the purchase of a 5 marla plot in urban areas or a 10 marla plot in rural areas. This is covered under the Apni Zameen, Apna Ghar program, which is a companion initiative to Apni Chhat Apna Ghar.

Apni Chhat Apna Ghar Program – Complete List and Results

Where can I find the Apni Chat Apna Ghar list?

The Apni Chat Apna Ghar list (beneficiary list) is available on the official portal acag.punjab.gov.pk. The list is published phase-wise, and applicants can check their status using their CNIC.

What is the Apni Chat Apna Ghar list Punjab Phase 2 result?

The Phase 2 result for the Apni Chat Apna Ghar program can be checked online through the official portal. The Punjab government releases phase-wise results as the program progresses.

What is the Apni Chat Apna Ghar list PDF?

The Apni Chat Apna Ghar list PDF is available for download from the official portal. The PDF contains the list of successful applicants for each phase of the program.

What is the Apni Chat Apna Ghar list 3 Punjab?

The Apni Chat Apna Ghar list 3 Punjab refers to the third phase of beneficiary lists released by the Punjab government. Applicants can check their status using their CNIC number.

What is the Apni Chat Apna Ghar list 6?

The Apni Chat Apna Ghar list 6 refers to the sixth phase of the program’s beneficiary list. The government releases lists sequentially as more loans are disbursed and more houses are completed.

Apni Chhat Apna Ghar Program Login and Account Management

How to login to the Apni Chhat Apna Ghar program portal?

Applicants can log in to the official portal at acag.punjab.gov.pk using their registered credentials. The portal provides secure access to application status, document uploads, and account management features.

What to do if I forgot my Apni Chhat Apna Ghar program login password?

The portal provides a password recovery option. Applicants can reset their password using their registered email address or CNIC number. The recovery process is designed to be simple and secure.

How to update my Apni Chhat Apna Ghar application after submission?

Applicants can log in to the portal and update their application details if needed. However, once the application is verified, changes may require contacting the help desk. It is recommended to review all information carefully before final submission.

What is the Apni Chhat Apna Ghar program login registration process?

The registration process involves:

1. Visiting acag.punjab.gov.pk
2. Clicking on “Register” or “Create Account”
3. Entering personal details and creating login credentials
4. Verifying the account through email or SMS
5. Logging in to start the application

Summary – Key Takeaways from Apni Chhat Apna Ghar Program

What makes Apni Chhat Apna Ghar one of Pakistan’s largest housing programs?

The program has become one of the largest low-cost housing finance programs in Pakistan with:

• 1.2+ million applications received
• 173,158 interest-free loans disbursed
• Rs. 224+ billion in loan disbursements
• 155,594+ houses completed
• 99% recovery rate
• 200,000+ families moved into their own homes

What is the future of Apni Chhat Apna Ghar Program?

The government has committed to providing interest-free loans to another 100,000 families in the upcoming fiscal year. The program aims to distribute loans to 5 lakh applicants and construct five lakh houses over the next five years. The program promises to distribute loans to 5 lakh applicants, aiming to construct five lakh houses over the next five years.

How to get help with Apni Chhat Apna Ghar application?

For assistance, applicants can:

• Call the toll-free helpline: 0800-09100
• Visit help desks at Deputy Commissioner and Assistant Commissioner offices
• Visit PHATA offices
• Access the official portal: acag.punjab.gov.pk

Frequently Asked Questions

What is Apni Chhat Apna Ghar Program?

Apni Chhat Apna Ghar is a Punjab government housing initiative launched by CM Maryam Nawaz that provides interest-free loans up to PKR 1.5 million for low-income citizens to build or repair their homes.

Who launched Apni Chhat Apna Ghar Program?

The program was launched by Punjab Chief Minister Maryam Nawaz Sharif. It is a Punjab government scheme that has been expanded under her leadership.

How to apply for Apni Chhat Apna Ghar Program?

Apply online through the official portal at acag.punjab.gov.pk by creating an account, filling out the application form, and uploading required documents.

What is the Apni Chhat Apna Ghar loan amount?

The program offers interest-free loans of up to PKR 1.5 million (15 lakh). Under the expanded scheme, Rs. 500,000 is available for roof safety and up to Rs. 1 million for additional floors.

What is the Apni Chhat Apna Ghar monthly installment?

Monthly installments range from approximately Rs. 4,700 (for Rs. 500,000 roof safety loan) to Rs. 14,000 (for Rs. 1.5 million loan).

Is Apni Chhat Apna Ghar loan interest-free?

Yes, the program offers 100% interest-free loans with zero markup.

What is the Apni Chhat Apna Ghar helpline number?

The toll-free helpline number is 0800-09100.

Can I check Apni Chhat Apna Ghar application status by CNIC?

Yes, applicants can check their application status online by entering their CNIC number on the official portal.

What is Apni Chhat Apna Ghar PMT score?

The Poverty Means Test (PMT) score is used to determine eligibility for the program. PSER registration feeds into eligibility checks.

How many houses have been completed under Apni Chhat Apna Ghar?

More than 155,594 houses have been completed, with 100,633 houses completed as of June 2026.

What documents are required for Apni Chhat Apna Ghar?

Required documents include CNIC, property ownership documents (Fard), and photographs of the existing house.

Disclaimer

This article provides general information about the Apni Chhat Apna Ghar Program based on publicly available sources. Program details, eligibility criteria, and application procedures are subject to change by the Punjab government. Readers are advised to verify all information through the official portal acag.punjab.gov.pk or the toll-free helpline 0800-09100 before taking any action.