PMT Score for Apni Chhat Apna Ghar: 60 or Below
Apni Chhat Apna Ghar accepts households with a PMT score of 60 or below in the National Socio-Economic Registry. The PMT, or Proxy Means Test, estimates how poor a household is from the assets and conditions recorded in the NSER survey, not from a payslip. If your household was never surveyed, or the score looks wrong, you ask for a survey or resurvey through your nearest BISP office.
What the PMT score is
The Proxy Means Test turns survey answers into a single number between 0 and 100, where a lower number means greater need. The survey records things that are hard to misreport: the house you live in, rooms, toilet and water source, assets such as a motorcycle or refrigerator, livestock, children in school and the household's size.
A Proxy Means Test score is calculated from the National Socio-Economic Registry survey, which records a household's assets and living conditions rather than its monthly income. Apni Chhat Apna Ghar sets the cut-off at 60, which is why a household with a plot but a higher score is refused, and why the fastest route to eligibility for an unsurveyed family is to get the NSER survey done.
How to check your score
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Step 1
Check through the BISP channels your household is registered with, using your CNIC.
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Step 2
Visit a BISP tehsil office or registration centre with your CNIC and ask for your NSER status and score.
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Step 3 · Final step
If the Apni Chhat portal rejects you on the score, it is the NSER record that needs fixing, not the housing application.
BISP's own channels are the authority on your score. Websites that offer to "check PMT score" for a fee are not official, and no official service charges for this.
If your household was never surveyed
No survey means no score, and no score means the housing application has nothing to check. Go to the nearest BISP registration desk with your CNIC and ask to be registered in the NSER. The survey is free.
If the score is wrong or out of date
Circumstances change: a death in the family, a lost job, a sold vehicle. A household can request a resurvey through a BISP office, and the updated score then flows through to schemes that use it, including this one.
| Situation | What to do |
|---|---|
| Never surveyed | Register at a BISP centre and complete the NSER survey |
| Score above 60 but circumstances changed | Request a resurvey at a BISP office |
| Score recorded against the wrong household head | Correct the NADRA family record first, then ask BISP to update |
| Score fine, application still refused | The problem is elsewhere; see application status and refusals |
Why a scheme for plot owners uses a poverty score
Our read: owning a small plot is common in rural Punjab and says little about income. A family can inherit five marla and still be unable to raise a roof over it. The PMT score is how the programme separates those families from people who own land as an investment. It also explains the complaints you see online: plot ownership feels like the qualifying fact to applicants, while the system treats it as only the entry condition.
Common questions
Does a higher score ever qualify?
Not under the published rule of 60 or below.
Does applying to this scheme change my BISP payments?
The housing programme reads the score; it does not set cash transfer entitlements.
How long does a resurvey take?
No published service standard. Ask the BISP office when you register, and keep your tracking details.
Back to the full eligibility rules or the Apni Chhat Apna Ghar guide.
Sources. Official: BISP: National Socio-Economic Registry (registry, survey and resurvey). News: Dawn, 22 Aug 2024. Note: the PMT 60 threshold for this scheme is stated on the programme's own portal; we could not locate it on a readable official page, and BISP does not publish the PMT formula or any cut-off.
SchemesPK is an independent guide and is not affiliated with the Government of Punjab, PHATA or BISP.