The Affordable Housing & Urban Scheme (Apna Ghar Apni Chhat) is a flagship initiative of the Government of Punjab aimed at addressing the province’s growing housing shortage. The programme focuses on providing safe, affordable, and dignified housing to low-income and middle-income families who have long struggled to own a home due to rising construction costs and limited access to financing.
As Punjab’s urban population continues to expand, this scheme plays a critical role in promoting planned urban development, social stability, and economic inclusion.
Purpose of the Scheme
The core objective of Apna Ghar Apni Chhat is to make home ownership achievable for families who cannot afford market-rate housing. The scheme is designed to:
• Reduce homelessness and overcrowding
• Support first-time home buyers
• Promote organized and legal housing development
• Improve living standards in urban and peri-urban areas
Key Features of Apna Ghar Apni Chhat
🏠 Affordable Housing Units
The scheme offers low-cost housing units developed under government supervision, ensuring quality construction at controlled prices.
🏠 Focus on Low-Income Families
Priority is given to low-income households, daily wage earners, salaried individuals, widows, and special persons who lack adequate housing.
🏠 Planned Urban Communities
Housing projects are developed with proper urban planning, including roads, drainage, sewerage, water supply, electricity, and green spaces.
🏠 Transparent Allotment Process
Homes are allotted through a transparent and regulated process to ensure fairness and prevent speculation.
🏠 Flexible Payment Options
The scheme supports easy installment plans, making it possible for families to pay over time rather than bearing the full cost upfront.
Urban Development Impact
Beyond housing, the scheme contributes to:
• Improved city planning
• Reduced formation of informal settlements
• Better utilization of government land
• Balanced urban expansion
New housing developments under this programme help reduce pressure on overcrowded city centers and encourage organized growth in surrounding areas.
Economic Benefits
The Apna Ghar Apni Chhat scheme also strengthens the economy by:
✔ Creating employment in construction and allied industries
✔ Increasing demand for local building materials
✔ Encouraging small contractors and skilled labor
✔ Stimulating long-term economic activity in new urban zones
Who Can Benefit
This scheme is particularly beneficial for:
• First-time home buyers
• Low-income and lower-middle-income families
• Urban workers and salaried employees
• Families living in rented or informal housing
By targeting genuine housing needs, the programme ensures that assistance reaches deserving households.
Government Oversight & Quality Control
The Punjab Government has emphasized:
• Standardized construction quality
• Monitoring of project timelines
• Legal documentation and ownership security
• Provision of basic civic facilities
This oversight ensures that beneficiaries receive safe and sustainable housing, not substandard structures.
Why the Scheme Matters in 2026
With rising property prices and limited affordable options, Apna Ghar Apni Chhat stands out as a long-term solution to Punjab’s housing crisis. In 2026, the scheme aligns with broader provincial goals of social welfare, urban reform, and inclusive growth, offering thousands of families a chance to secure their own home.
Conclusion
The Affordable Housing & Urban Scheme (Apna Ghar Apni Chhat) is more than just a housing project — it is a social uplift initiative. By combining affordability, transparency, and planned development, the scheme is helping transform the dream of home ownership into reality for Punjab’s underserved communities. As implementation continues, it is expected to play a pivotal role in shaping healthier, safer, and more organized urban environments across the province.
How to Apply for Apna Ghar Apni Chhat Scheme (Step-by-Step)
Applicants can apply online or offline under the Apna Ghar Apni Chhat housing scheme.
Online Application Process
- Open the official application portal
👉 https://acag.punjab.gov.pk - Click on Register / Sign Up
- Enter your CNIC, mobile number, and personal details
- Fill in the housing application form
- Upload required documents such as CNIC and other relevant details
- Submit the application
- After submission, you will receive confirmation via SMS or portal dashboard
Offline Application Option
Applicants who cannot apply online may visit their District Deputy Commissioner Office, where dedicated help desks assist citizens in submitting applications manually.
Official Helpline
For guidance and application support, applicants can call the government helpline:
0800-09100
Important Tips Before Applying
• Always provide correct and genuine information
• Keep CNIC and supporting documents ready
• Regularly check your application status after submission
