Apni Chhat Apna Ghar Eligibility: Who Qualifies
You qualify for Apni Chhat Apna Ghar if you are a permanent Punjab resident, are the head of your family in NADRA records, own a plot of up to 5 marla in a city or 10 marla in a village, have no house built in your name, and your household poverty score is 60 or below. You must also be clear of bank default and criminal record.
The six conditions
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Step 1
Punjab residence. A valid CNIC showing permanent residence in Punjab.
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Step 2
Head of family. NADRA's family record must show you as the head of the household applying.
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Step 3
Plot ownership. The land must be in your name, with a registry, fard or allotment letter, and you must be in physical possession of it.
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Step 4
Plot size. Up to 5 marla in urban areas, up to 10 marla in rural areas.
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Step 5
No existing house. You must not already own a constructed house.
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Step 6 · Final step
Poverty score. Your household must be in the National Socio-Economic Registry with a PMT score of 60 or below.
The PMT score decides more applications than anything else
Apni Chhat Apna Ghar uses the Proxy Means Test score from the National Socio-Economic Registry to judge need. A household score above 60 is rejected regardless of plot ownership or income documents, because the score, not a salary figure, is the programme's income test. Applicants who believe their score is wrong can request a resurvey through their nearest BISP office.
What the score is, how to check it and how a resurvey works: PMT score and the NSER survey.
Plot rules in detail
| Where the plot is | Maximum size | What the papers must show |
|---|---|---|
| Urban area | 5 marla | Registry or allotment letter in your name |
| Rural area | 10 marla | Fard (record of rights) verified through the land record authority |
| Inherited land | Same limits | Transfer completed into your name before applying |
| Jointly owned land | Same limits | Treated case by case; expect questions about the other owners |
Quotas for specific groups
The programme sets aside places for women applicants, people with disabilities and minority households. The later phase also opened to joint families and to people who could not register in the first round.
Who does not qualify
- Anyone who already owns a built house
- Plots larger than the 5 and 10 marla limits
- Households with a PMT score above 60
- Applicants outside Punjab, or without Punjab residence on their CNIC
- Bank defaulters
- People who are not the head of family in NADRA records, while that person is alive and eligible
If you own no plot at all
This scheme only builds on land you already have. Punjab runs a separate programme that allots small plots to low-income families, and allottees can then apply here for the construction loan. If you want to buy a house or flat instead, the federal Apna Ghar Program eligibility rules are the ones to read.
Common questions
Is there an income limit in rupees?
No published figure. The PMT score replaces a rupee threshold, though the application still asks for income and dependants.
My plot is 7 marla in a city. Can I apply?
No. Urban plots above 5 marla fall outside the limit.
Can my wife apply if the plot is in her name?
Yes, if she meets the conditions, and women applicants have a reserved quota.
Does a pending electricity or gas connection matter?
Not for eligibility, but utility bills are among the documents that support your address and possession.
Ready to apply? Follow the acag.punjab.gov.pk application steps, or go back to the Apni Chhat Apna Ghar guide.
Sources. Official: BISP: National Socio-Economic Registry (how households are surveyed and resurveyed); acag.punjab.gov.pk (official portal). News: Dawn, 22 Aug 2024 (plot size limits and scheme terms); Khyber News, 21 Aug 2024.
SchemesPK is an independent guide and is not affiliated with the Government of Punjab or PHATA.