The ACAG Program is a project launched by the Punjab government, under which one lakh affordable houses are to be provided to deserving families. There is great news for those who live in rented houses; they should register for the Apni Chhat Apna Ghar Program today and take full advantage of this program. This program aims to meet the financial needs of families who live in rented houses. Apni Ghar is a dream of every family, which the Punjab government is fulfilling.
This program will be completed in about four and a half years, which will provide one lakh affordable houses across the province with three execution models.
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What is the ACAG Housing Program 2025?
The ACAG Program is a government-backed housing initiative launched under the supervision of Chief Minister Maryam Nawaz Sharif. It aims to support low to middle-income families in Punjab by providing easy access to interest-free or low-interest housing loans.
The program promotes:
- Affordable housing construction
- Ownership of safe and clean homes
- Financial inclusion of low-income families
- Women and disabled-friendly housing policies
The ACAG scheme is aligned with the Punjab Housing Policy 2025, aiming to reduce urban slums, boost rural housing, and empower the working class by making homeownership a reality.
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Key Objectives of the ACAG Program
- Promote Affordable Housing
Ensure that people from low-income groups can afford homes without falling into deep debt. - Provide Easy Housing Loans
Offer flexible and subsidized loans through partner banks and microfinance institutions. - Empower Marginalized Groups
Prioritize widows, women-headed households, persons with disabilities, and senior citizens. - Boost the Economy
Create jobs in the construction and allied industries through widespread housing development. - Ensure Environmental Sustainability
Promote eco-friendly construction standards by adopting proper sanitation and utilizing clean energy options.
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Registration Process of the ACAG Program
The Punjab government has made the registration process for the Apna Ghar Apna Chhat program very easy. You can complete your registration in a few minutes. Let us tell you the complete details regarding the registration:
- First of all, go to the official website of Apna Chhat Apna Ghar Punjab.
- There you will see the portal, click on it.
- Fill out the registration form, in which you fill in all the details regarding your CNIC number, monthly income, family size, current residence status, and land ownership.
- In addition, enter your CNIC and your spouse’s CNIC again. Provide proof of residence or tenancy and submit land documents.
- After that, you select the type of your loan, such as whether you want to build a new house or are taking this loan to buy a house.
- After that, click on the submit button and submit this form to the Punjab Government. You will receive an SMS with complete details regarding your registration, whether you are eligible for this program, or if you have not been selected for this program.
- Your application will be verified against the NSCR and NADRA databases.
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ACAG Punjab Housing Loans 2025 Features
The loans provided under the ACAG Housing Scheme are structured to be inclusive and accessible. Here’s how they work:
Loan Amount
- Minimum: At least PKR 1 million per family
- Maximum: PKR 1.5 million (15 lakh), interest‑free
Loan Tenure
- Ranges from 5 to 20 years
- Grace period of 6–12 months for under-construction homes
Interest Rate
- 0% interest for ultra-poor households (PMT Score below 20)
- 3% to 5% subsidized rates for general low-income groups
Repayment Method
- Easy monthly installments via banks or mobile wallets
- Auto-deductions available for salaried individuals
Partner Institutions
- Punjab Bank
- Akhuwat Foundation
- Khushhali Bank
- NRSP Microfinance Bank
- HBL and UBL
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ACAG 2025 Schedule
| Activity | Timeline |
| Registration Opening | May 15, 2025 |
| Phase 1 Shortlisting | July 2025 |
| Loan Disbursement for Phase 1 | August to September 2025 |
| Phase 2 Registration Launch | October 2025 |
| Completion of Phase 1 Homes | December 2025 – March 2026 |
Final Thoughts
The ACAG Housing Program Punjab 2025 is more than just a loan scheme. It is a bold step toward social upliftment, poverty alleviation, and homeownership for the underprivileged. With a clear focus on fairness, transparency, and inclusion, this initiative has the potential to reshape Punjab’s housing landscape.
If you or someone you know struggles to afford a decent place to live, this is the right time to apply. Whether you live in an urban slum, a rented house, or an overcrowded family setup, the ACAG Program can help make your dream of owning a home a reality.
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