Apni Chhat Apna Ghar Apply Online: Portal Steps
Apply for Apni Chhat Apna Ghar at acag.punjab.gov.pk: register with your CNIC and a mobile number in your own name, complete the personal, property and household sections, upload your land and identity documents, then submit and save the tracking number. Applying is free, and you can also register at the registration desk in your district's Deputy Commissioner office.
Before you start
- CNIC, front and back, scanned clearly
- Proof of land ownership: registry, fard or allotment letter in your name
- Proof that you hold possession of the plot
- Income evidence such as a salary slip or six months of bank statements
- Passport-size photographs with a plain background
- A mobile SIM registered on your own CNIC, because verification codes go to it
- Your household's NSER registration, with a PMT score of 60 or below
Step by step on the portal
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Step 1
Open acag.punjab.gov.pk and choose to register. Use only this address.
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Step 2
Create your account with your name as printed on the CNIC, CNIC number, mobile number, district and division.
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Step 3
Log in and open the application form.
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Step 4
Fill the personal section: father's name, family details and your status as head of family.
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Step 5
Fill the property section: plot location, size in marla, and the ownership document reference.
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Step 6
Fill the household and income section, including dependants.
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Step 7
Upload documents as clear PDF or JPG files.
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Step 8 · Final step
Submit and write down the tracking number the portal gives you.
Applications for Apni Chhat Apna Ghar are free and are submitted through the Punjab government portal at acag.punjab.gov.pk, with a helpline on 0800-09100 and registration desks at Deputy Commissioner offices for applicants who cannot apply online. No agent, consultant or private website is authorised to submit an application on an applicant's behalf for a fee.
What happens after you submit
| Stage | What happens | Your part |
|---|---|---|
| Document check | The portal reviews what you uploaded | Replace anything unreadable quickly |
| Land verification | Ownership is checked against land records | Make sure the plot is in your name before applying |
| Poverty score check | Your NSER/PMT score is matched | Request a BISP resurvey if the score looks wrong |
| Balloting and approval | Selected applicants are approved and shown on the dashboard | Watch the portal and your SMS |
| Disbursement | Funds released in tranches as construction progresses | Begin work and keep records for each stage |
How to follow your file: checking your Apni Chhat Apna Ghar status.
Mistakes that hold applications up
- Name spelled differently from the CNIC
- Mobile number registered on someone else's CNIC, so verification fails
- Land papers still in a parent's or seller's name
- Plot above the 5 marla urban or 10 marla rural limit
- Household never surveyed by NSER, so there is no PMT score to check
- Blurred scans of the CNIC or fard
Applying without internet access
Registration desks at Deputy Commissioner offices accept applications for people who cannot use the portal. Take original documents and photocopies. The helpline on 0800-09100 can confirm the desk's timings in your district.
Common questions
Is there any fee?
No. The application is free at every stage.
Can I apply for a plot I am about to buy?
No. Ownership must already be in your name when you apply.
Can I change my details after submitting?
Use the portal dashboard, or call the helpline with your tracking number.
Check the rules first on who qualifies, or return to the Apni Chhat Apna Ghar guide.
Sources. Official: acag.punjab.gov.pk (official portal). News: Dawn, 22 Aug 2024 (portal and helpline); Dawn, 6 Nov 2024 (how applications are verified and disbursed); Business Recorder, 2 Oct 2024 (monthly balloting).
SchemesPK is an independent guide and is not affiliated with the Government of Punjab or PHATA.