Apni Chhat Apna Ghar Scheme Building 1 Lakh Homes Creating 5 Lakh Jobs Latest Details 2025
Apni Chhat Apna Ghar Scheme
Apni Chhat Apna Ghar Scheme is a housing initiative by the Government of Punjab under Chief Minister Maryam Nawaz. It aims to provide affordable housing for low‑income families through interest‑free or very low cost loans, and thus reduce homelessness, improve living standards, and generate jobs.
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What are the most up‑to‑date figures
| Metric | Most Recent Data |
|---|---|
| Number of homes completed | 17,124 units completed as of late Sep 2025. |
| Number of homes under construction | 74,281 units currently under construction. |
| Loans / Funds already disbursed | Over Rs 97.3 billion distributed to registered families. |
| Loan‑repayment / recovery status | Repayments of about Rs 1.97 billion have been collected so far. |
| Total registrations | Over 1,617,156 registrations so far; about 834,161 applications submitted formally; screening ongoing. |
Key Features & Eligibility
- The scheme targets low‑income, working‑class, and homeless families in Punjab; priority is given to widows, orphans, differently‑abled, daily wage earners, and those who rent or live in informal housing.
- Applicant must be a head of family (as per NADRA), resident of Punjab, and must comply with CNIC/identity verification.
- Land plot limits: up to 5 marla in urban areas, 10 marla in rural areas, when constructing a house on own land.
- The scheme offers interest‑free housing loans up to about Rs 1.5 million in many cases, with a repayment period of up to 9 years for many beneficiaries.
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Achievements & Impact
- More than 17,000 homes delivered, tens of thousands more under construction.
- Over Rs 97.3 billion has been disbursed to beneficiaries.
- Huge demand: more than 1.6 million registrations show strong interest.
- Job creation: construction and related sectors are being boosted (labor, materials, services) though exact updated number of jobs was not found in the latest reliable reports. (Earlier reports estimated ~500,000 jobs from the full scheme.)
Application Process & How to Apply
- Register on the official portal of the Punjab government for Apni Chhat Apna Ghar Scheme.
- Submit required documents: CNIC, proof of residence in Punjab, land ownership (if applicable), socio‑economic status (NSER / PMT score), etc.
- Verify eligibility and screening process happens (some reports mention microfinance institutions or other bodies help verify).
- Once approved, funds are disbursed; beneficiary constructs or finishes house under the guidance / oversight of executing agency (PHATA / HUD&PHED).
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Recent Updates & Government Commitments
- The government approved Rs 62 billion in early 2025 for the scheme, with the goal of disbursing loans to 40,000 beneficiaries by May 2025.
- Expansion: Over 52,000 houses currently under construction as of August 2025.
- Excellent repayment performance in many districts. Reports suggest 99.9% loan recovery rate in recent phases.
Why Apni Chhat, Apna Ghar Matters
- Affordable housing reduces rent burden and gives shelter security.
- Economic stimulus: large construction projects create jobs (both skilled & unskilled labor), materials, ancillary services.
- Social upliftment: providing homes helps in dignity, health, community stability.
- High demand shows public trust: Over a million registrations is evidence that people believe in this scheme and see it as reliable.
