Apni Chhat Apna Ghar Scheme Gets Massive Funding Boost in Punjab
The Apni Chhat Apna Ghar Scheme has emerged as one of Punjab’s most impactful public welfare housing initiatives, aimed at providing affordable and secure homes to low-income and homeless families. To strengthen this effort, the government has allocated significant funds to accelerate housing development and disaster rehabilitation across the province.
The Finance Department has released Rs 10 billion for the Apni Chhat Apna Ghar Scheme and allocated an additional Rs 5 billion for the rehabilitation of flood-affected people. To ensure transparency and speedy implementation, the department has transferred these funds online to the PDMA. The initiative reflects the government’s commitment to protecting vulnerable communities during economic and environmental challenges.
Key objectives of the funding include:
- Construction and improvement of houses for deserving families
- Immediate relief and housing restoration for flood victims
- Strengthening public trust through transparent fund release
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Punjab Government’s Record Investment in the Housing Sector
During the financial year 2025–26, the Punjab government released a historic grant of Rs 42.013 billion under Chief Minister Maryam Nawaz’s flagship project, Apni Chhat Apna Ghar. The Planning and Development Board formally requested the Finance Department to release these funds, highlighting the project’s growing scale and demand.
Officials confirmed that this funding aims to expand housing coverage, speed up ongoing construction, and include more families under the scheme. With housing affordability becoming a major concern, this initiative offers a structured and sustainable solution for low-income households across urban and rural Punjab.
Major highlights of the investment include:
- Record funding allocation for housing development
- Focus on long-term, sustainable housing solutions
- Expansion of benefits to new and existing applicants
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Current Progress and Impact of Apni Chhat Apna Ghar Project
The progress of the Apni Chhat Apna Ghar Scheme shows strong on-ground implementation. According to Secretary of Housing Noorul Amin Mengal, the project has already cost Rs 60.5 billion. Construction of 6,160 houses has been completed, while work is ongoing on 45,163 houses across the province.
So far, more than 51,000 families have benefited from this program, reflecting its wide social impact. The housing units are being developed with a focus on durability, affordability, and basic living standards, ensuring long-term relief for beneficiaries.
Funding and Financial Allocation Overview
| Category | Amount (PKR) | Purpose |
|---|---|---|
| Apni Chhat Apna Ghar Scheme | Rs 10 billion | Housing construction and improvement |
| Flood Rehabilitation | Rs 5 billion | Relief and housing restoration |
| Punjab Govt Grant (FY 2025–26) | Rs 42.013 billion | Project expansion |
| Total Project Cost So Far | Rs 60.5 billion | Overall expenditure |
| Total Amount Distributed | Rs 79.34 billion | Support to deserving families |
| Amount Recovered | Rs 1.37 billion | Installments returned to treasury |
Easy Online Application and Public Facilitation
To ensure equal access, the application process for Apni Chhat Apna Ghar has been made fully online. This allows citizens from both urban and rural areas to apply without facing administrative hurdles. The simplified system ensures transparency and faster processing of applications. For public assistance, a dedicated helpline 0800-09100 has been activated. Applicants can seek guidance, file complaints, or resolve issues related to eligibility and application status. This approach strengthens accountability and improves public confidence in the program.
Key facilitation measures include:
- Fully online application system
- Dedicated public helpline for complaints
- Equal access for rural and urban applicants
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Special Facilities for Low-Income Government Employees
The program has also introduced special measures for low-income government employees. With over 755,000 applications received so far, the public response has been overwhelming. To ease access, special counters will be set up in departments such as Health, Education, and Punjab Waste Management Companies.
Project Progress and Public Response
| Category | Details |
|---|---|
| Completed Houses | 6,160 |
| Houses Under Construction | 45,163 |
| Beneficiary Families | 51,000+ |
| Total Applications | 755,000+ |
| Loan Facility | Interest-free up to Rs 1.5 million |
| Application Method | Fully online |
| Public Helpline | 0800-09100 |
FAQs
What is the Apni Chhat Apna Ghar Scheme?
It is a Punjab government housing program that provides affordable homes and financial assistance to low-income and homeless families.
How much funding has been allocated to the scheme?
Rs 10 billion has been allocated specifically for the scheme, with additional funds released under broader housing grants.
How can people apply for the program?
Applications can be submitted through a fully online system designed for easy public access.
Is there any loan facility under this scheme?
Yes, interest-free loans of up to Rs 1.5 million are available for eligible low-income government employees.
Where can applicants get help or file complaints?
Applicants can contact the helpline at 0800-09100 for guidance and issue resolution.
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