PM Apna Ghar: documents cut from 25 to 5 on 14 October 2026; 75,198 loans worth Rs 448 billion approved. Apni Chhat Apna Ghar: 223,547 interest-free loans disbursed (PKR 291,440.5 million) per the ACAG portal, as of 28 October 2026. Both portals remain open. Looking for the apni chat apna ghar list 2026 phase 2? Read that guide first, and see our acag.punjab.gov.pk online apply walkthrough.
October 2026: the current eligibility table on acag.punjab.gov.pk no longer lists a PMT score for the main Apni Chhat Apna Ghar loan. The "PMT 60 or less" rule now appears only for Apni Chhat Mehfooz Chhat. Some older official pages still mention it for ACAG, so confirm on the portal or call 0800-09100 before you apply.
Mukhtasar Jawab (Quick Answer): Apna Ghar Scheme ka registration form acag.punjab.gov.pk par mojood hai. Registration form par har label English aur Urdu dono mein saath saath likha hai (alag language switch nahi hai). Portal application form ke sections ki tadaad publish nahi karta; is guide mein maloomat in hisson mein samjhayi gayi hai: Personal Information (شخصی معلومات), CNIC & Address (شناختی کارڈ اور پتہ), Property Details (جائیداد کی تفصیلات), Income (آمدنی), Documents Upload (دستاویزات), aur Submit (جمع کرنا). Har field ka mukhtasar tarjuma aur sahi format niche diya gaya hai.
اپنا گھر اسکیم 2026 کا آن لائن فارم بھرنا اب پہلے سے کہیں زیادہ آسان ہو چکا ہے۔ مگر بہت سے لوگ ایسے ہیں جو انگریزی اچھی طرح نہیں سمجھتے، یا فارم بھرتے وقت کسی فیلڈ کا مطلب نہیں سمجھ پاتے، اور درخواست رد ہو جاتی ہے۔ یہ گائیڈ خاص طور پر ان لوگوں کے لیے ہے جو اردو یا رومن اردو میں سمجھنا چاہتے ہیں, ہر ایک فیلڈ کی وضاحت، صحیح فارمیٹ، اور وہ غلطیاں جن سے درخواست رد ہو سکتی ہے۔
This guide is built for the most underserved reader group in this niche, applicants who read Urdu comfortably but type Roman Urdu for forms. Every field of the ACAG (Apni Chhat Apna Ghar) registration form is translated and explained, with the exact answer format the portal expects. Use it as a reference while you fill the form, especially if you're applying via mobile.
Quick Facts: Form Punjab Urdu Mein
| Tafseelat (Detail) | Maloomat (Information) |
|---|---|
| Official Portal | acag.punjab.gov.pk |
| Form Languages | اردو (Urdu) + English |
| Language Switch | Alag switch nahi; labels English aur Urdu mein saath saath |
| Form Length | Publish nahi hua; registration form naam, CNIC, wald/shohar ka CNIC, mobile, email aur pata (division, district, tehsil, city) poochta hai |
| Time Required | Publish nahi hua; portal session 30 minute mein khatam ho jata hai, documents pehle se tayyar rakhein |
| Fee (Fees) | Bilkul Free / مفت, Koi fee nahi |
| Helpline | 0800-09100 (toll-free) |
| Mobile Friendly | Han, lekin desktop mode behtar hai |
Form Bharne Se Pehle, Pre-requisites
Form bharne baithne se pehle ye cheezein tayyar rakhein. Kuch documents ki scan copies chahiye hongi. File size ki had publish nahi hui, upload screen ki hidayat follow karein:
Identity (شناخت ke liye)
- آپ کا اصلی شناختی کارڈ (front aur back ki clear photo)
- بیوی کا شناختی کارڈ (agar shadi-shuda hain)
- بچوں کا ب-فارم (agar 18 saal se kam ke bachay hain)
Property (جائیداد ke liye)
- زمین کی فرد / Registry / Allotment Letter
- قبضہ کی دستاویز (Patwari letter)
Income & PMT
- NSER/PSER record: maujooda eligibility table ke mutabiq PMT score 60 ya kam ki shart sirf Mehfooz Chhat ke liye hai, ACAG ke naye ghar wale loan ke liye nahi
- Tankhwah ki parchi (salary slip) ya self-declaration affidavit
Affidavit & Photo
- Affidavit: ACAG portal par koi affidavit ya template publish nahi hua; zaroorat ho to portal dekhein ya 0800-09100 par poochein
- Haliya passport-size tasveerein (tadaad aur background publish nahi hue)
Contact
- Apne naam par registered mobile number
- Active email address (optional, lekin recommend kiya jata hai)
Form Tak Kaise Pahunchein, Login Method
Step 1: Portal Open Karein
Apne phone ya computer par browser kholein aur address bar mein type karein: acag.punjab.gov.pk
Hoshyar Rahein: Sirf .gov.pk wala portal asli hai. Facebook, WhatsApp ya Google ads par jo links aate hain woh fake ho saktay hain, apka data chura kar bechne ke liye.
Step 2: Urdu Labels Dekhein
Portal par alag language switch nahi hai. Registration form par har label English aur اردو dono mein saath saath likha hota hai, is liye Urdu label parh kar field bhar sakte hain.
Step 3: Register / Login
Agar aap pehli baar aaye hain, "رجسٹر کریں / Register" button par click karein. Agar pehle se account hai, "لاگ ان / Login" button istemal karein.
Section 1: شخصی معلومات (Personal Information)
Pehla section apki basic shakhsi maloomat ka hai. Yahan har field ko CNIC ke mutabiq bharein, varna NADRA verification fail ho jaayegi.
| Field (انگریزی) | Urdu Tarjuma | Sahi Jawab Format |
|---|---|---|
| Full Name | پورا نام | CNIC par jaisa likha hai bilkul wese, agar CNIC par "Muhammad Asif" hai to "Asif" akela mat likhein |
| Father's Name | والد کا نام | Bilkul CNIC ke mutabiq |
| Date of Birth | تاریخ پیدائش | DD-MM-YYYY format mein (jaise 15-08-1985) |
| Gender | جنس | "Male/مرد" ya "Female/عورت" select karein |
| Marital Status | ازدواجی حیثیت | Single/غیر شادی شدہ, Married/شادی شدہ, Widowed/بیوہ, Divorced/مطلقہ |
| Spouse Name | شریک حیات کا نام | Sirf agar shadi-shuda hain |
| Spouse CNIC | شریک حیات کا شناختی کارڈ | 13 digit, koi dash nahi |
Tip: Naam likhte waqt English mein likhein, jaisa CNIC par hai. System Urdu naam accept nahi karta CNIC matching ke liye.
Section 2: شناختی کارڈ اور پتہ (CNIC & Address)
Ye section sab se zyada important hai. CNIC galat likha to fauran reject ho jaayega.
| Field | Urdu Tarjuma | Sahi Format |
|---|---|---|
| CNIC Number | شناختی کارڈ نمبر | 13 digit, bina dash ke, sahi: 1234512345671, ghalat: 12345-1234567-1 |
| CNIC Issue Date | شناختی کارڈ کی تاریخ اجرا | DD-MM-YYYY |
| CNIC Expiry Date | شناختی کارڈ کی میعاد ختم | Agar expired ho gaya hai to NADRA se renew karwa lein pehle |
| Mobile Number | موبائل نمبر | 11 digit, format: 03001234567 (apke naam par registered hona chahiye) |
| ای میل | Optional, lekin SMS+email alerts ke liye recommend hai | |
| Permanent Address | مستقل پتہ | Ghar ka pura pata jaisa CNIC par hai |
| City / District | شہر / ضلع | Drop-down menu se select karein, jaisa CNIC par hai |
| Tehsil | تحصیل | Drop-down menu se sahi tehsil select karein |
| Current Address | موجودہ پتہ | Agar mukhtalif hai to bharein, warna "Same as permanent" tick karein |
Sab Se Aam Galti: CNIC mein dash daalna. System reject kar deta hai. Sirf 13 digits, ek line mein, koi space ya dash nahi.
Section 3: جائیداد کی تفصیلات (Property Details)
Yahan apki zameen ki maloomat aati hai. ACAG ke liye apke paas zameen hona zaroori hai, landless families ke liye AZAG (Apni Zameen Apna Ghar) alag scheme hai.
| Field | Urdu Tarjuma | Sahi Jawab |
|---|---|---|
| Plot Location | پلاٹ کا مقام | District + Tehsil + Village/Sector |
| Plot Size (in Marla) | پلاٹ کا سائز (مرلہ میں) | Sirf number, jaisa registry par hai (jaise 5, 7, 10) |
| Plot Type | پلاٹ کی قسم | Urban (شہری) ya Rural (دیہی), CNIC ke address ke mutabiq |
| Ownership Type | ملکیت کی قسم | Registered (رجسٹرڈ), Inherited (وراثت), Allotted (الاٹمنٹ) |
| Plot Khasra/Survey Number | کھسرہ نمبر | Registry ya Fard mein likha hota hai |
| Approximate Plot Value | تخمینی قیمت | Aaj ke market rate par approximate value (Rupees mein) |
Yaad Rakhein: - Shehri (Urban) area: 5 marla ya kam ka plot eligible hai - Dehati (Rural) area: 10 marla ya kam ka plot eligible hai - Agar plot bara hai to application auto-reject ho jaayegi
Section 4: آمدنی اور مالی حالت (Income & Financial Status)
Ye section apki monthly aamdani aur ghar ke logon ki maloomat ke liye hai. Sachai sab se zaroori hai, kyunke application ki tasdeeq hoti hai.
| Field | Urdu Tarjuma | Sahi Jawab |
|---|---|---|
| Employment Type | ملازمت کی قسم | Salaried (ملازم), Self-Employed (خود کاروباری), Daily Wage (دیہاڑی دار), Pensioner (پنشنر), Unemployed (بے روزگار) |
| Employer Name | ادارے کا نام | Sirf agar salaried hain |
| Monthly Household Income | ماہانہ گھریلو آمدنی | Sahi aamdani likhein; acag.punjab.gov.pk ki maujooda eligibility table mein PMT score (60 ya kam) sirf Mehfooz Chhat ke liye hai, ACAG ke naye ghar wale loan ke liye nahi. Tasdeeq ke liye portal dekhein ya 0800-09100 par call karein |
| Income Source | آمدنی کا ذریعہ | Job, Business, Pension, Remittance (پردیس سے رقم), Daily wages |
| Number of Family Members | خاندان کے افراد کی تعداد | Sirf number, jaise 4, 5, 6 |
| Number of Earners | کمانے والوں کی تعداد | Ghar mein kitne log kama rahay hain |
| NSER PMT Score | پی ایم ٹی اسکور | CNIC daalne par form PMT ka message dikhata hai. 60 ya kam ki shart maujooda eligibility table mein sirf Mehfooz Chhat ke liye hai; tasdeeq ke liye 0800-09100 |
| Bank Account Details | بینک اکاؤنٹ کی تفصیلات | Optional, agar account hai to IBAN ya account number |
Critical Sach: Aamdani ko kam likhne ki koshish na karein agar zyada hai. Application ki tasdeeq hoti hai, aur form ke halaf nama ke mutabiq galat maloomat par application rad ho sakti hai.
Section 5: دستاویزات اپلوڈ (Documents Upload)
Yahan apki saari documents ki scanned copies upload hongi. File size aur format ki had publish nahi hui; upload screen ki hidayat follow karein.
| Document (انگریزی نام) | Urdu Naam | Common Mistake |
|---|---|---|
| CNIC Front & Back | شناختی کارڈ کی دونوں اطراف | Blurry photos sab se zyada reject hoti hain, proper scan use karein |
| Spouse CNIC | شریک حیات کا شناختی کارڈ | Sirf shadi-shuda ke liye |
| B-Form | ب-فارم | Bachon ke liye, agar 18 saal se chote hain |
| Property Document | جائیداد کی دستاویز (Fard / Registry) | Taaza copy jis par maujooda maalik (aap) ka naam ho |
| Possession Proof | قبضہ کی دستاویز | Patwari letter |
| Income Proof | آمدنی کا ثبوت | Salary slip / Bank statement / Self-declaration |
| Affidavit | حلف نامہ | ACAG ne template publish nahi kiya; 0800-09100 se poochein |
| Photographs | حالیہ تصاویر | Passport size, saaf tasveer; tadaad publish nahi hui |
Document Compress Kaise Karein
Agar upload screen file ko bari bataye:
- iLovePDF par jaaen: ilovepdf.com/compress_pdf
- Apni file upload karein
- "Compress" button dabaen
- Kam size wali file download karein
Phone par scan karne ke liye Microsoft Lens ya Adobe Scan app use karein, ye automatic clear scan banatay hain.
Section 6: حلف نامہ اور جمع کرنا (Acknowledgment & Submit)
Aakhri section mein aapko ek حلف نامہ (Affidavit) par tick karna hoga jismein likha hota hai:
"میں اقرار کرتا/کرتی ہوں کہ اوپر دی گئی تمام معلومات سچ، درست اور مکمل ہیں۔ اگر کوئی غلط معلومات نکلی تو میری درخواست بلاشرط رد کر دی جائے گی۔"
(I confirm that all information given above is true, accurate, and complete. If any false information is found, my application will be unconditionally rejected.)
Tick karne ke baad "جمع کریں / Submit" button par click karein.
Phir aapko fauran Tracking ID milega, usay screenshot karein ya likh lein. Saath hi aapke registered mobile par confirmation SMS bhi aayega.
Form Bharne Ke Baad Kya Hota Hai?
Submit karne ke baad apki application PHATA (Punjab Housing & Town Planning Agency) ke paas chali jaati hai. Yahan stages ye hain:
| Stage | Urdu Naam | Time Lagta Hai |
|---|---|---|
| Submitted | جمع شدہ | Foran |
| Under Verification | تصدیق میں | Waqt publish nahi hua |
| Field Verification | فیلڈ تصدیق (partner MFI ka visit: Akhuwat, NRSP, RCDP) | Waqt publish nahi hua |
| PMT Score Check (sirf Mehfooz Chhat) | پی ایم ٹی اسکور کی جانچ | Maujooda eligibility table mein sirf Mehfooz Chhat ke liye; waqt publish nahi hua |
| Approved | منظور شدہ | Waqt publish nahi hua; portal par login karke status dekhein ya 0800-09100 par poochein |
| Loan Disbursed | قرض جاری | Do qiston mein bank account mein; waqt publish nahi hua |
Sab Se Aam Form Bharne Ki Ghaltiyan
Phase 1 ke rejection patterns dekhne ke baad, ye sab se common ghaltiyan hain jo log karte hain:
1. Naam mein "Muhammad" chod dena CNIC par "Muhammad Ahmed" likha hai, lekin form mein sirf "Ahmed" likha. NADRA matching fail ho jaati hai. Hamesha CNIC ka full naam likhein.
2. CNIC mein dash daalna Sahi: 1234512345671 | Ghalat: 12345-1234567-1 Ye sab se zyada common ghalti hai.
3. Mobile number kisi aur ke naam par Mobile aap ke apne CNIC par registered hona chahiye. Agar bhai/bachay ke naam par hai, OTP nahi aayegi properly.
4. PMT ki shart ko na samajhna Maujooda eligibility table mein PMT 60 ya kam ki shart sirf Mehfooz Chhat ke liye hai, ACAG ke naye ghar wale loan ke liye nahi (purane official pages abhi bhi ACAG ke liye likhte hain). Mehfooz Chhat ke liye apply kar rahe hain to pehle 8171 par apna BISP status dekhein, aur shak ho to 0800-09100 par poochein.
5. Property documents fuzzy / blurry Phone se khinchi gayi photo ko PDF mein convert karne se woh blurry ho jaati hai. Microsoft Lens app se scan karein, clear scan automatic ban jaati hai.
6. Affidavit ke baare mein andaza lagana ACAG portal par affidavit ka template publish nahi hua. Agar aap se affidavit manga jaye to wording 0800-09100 par poochein.
7. Income field mein zyada / kam likhna Sachai likhein. Application ki tasdeeq hoti hai, aur galat maloomat par application rad ho sakti hai.
8. Wife ke naam par property hone ke baad apply karna System dono spouses ki property check karta hai. Agar biwi ke naam par koi plot/ghar hai, application reject ho jaati hai.
Frequently Asked Questions (اکثر پوچھے گئے سوالات)
- DC / AC Office ya PHATA office: Mehfooz Chhat ki offline application yahan di ja sakti hai (naye ghar wale ACAG loan ke liye confirm nahi)
- PHATA se rabta: 042-99213419, 99213428, info@phata.punjab.gov.pk
- Ya 0800-09100 (toll-free) par phone karke rehnumai lein
Han, acag.punjab.gov.pk ke registration form par har label English aur Urdu dono mein likha hai; alag switch nahi hai. Lekin apna naam, CNIC aur addresses English mein hi likhein, jaisa CNIC par hai, taake NADRA matching ho sake.
Bilkul mufat hai (free). Koi registration fee, application fee, ya processing fee nahi hai. Agar koi agent ya website paise mangti hai to woh fraud hai. NCCIA Cybercrime ko 1799 par report karein.
Portal koi waqt nahi batata. Documents pehle se tayyar rakhein, kyunke portal session 30 minute mein khatam ho jata hai. Pehli baar registration mein OTP verification bhi hota hai.
Mobile se bilkul ho sakta hai. Lekin form fields mobile par chote ho sakte hain, Desktop Mode mein switch karna behtar hai. Chrome ya Safari use karein. Facebook ya WhatsApp ke andar wala browser mat use karein, CAPTCHA fail ho jata hai.
3 options hain:
File portal ki had se bari hai (had publish nahi hui). iLovePDF.com ya CompressJPEG.com par jaa kar file compress karein, phir upload karein. Mobile par scanning ke liye Microsoft Lens app use karein.
Apna ad-blocker disable karein .gov.pk domain ke liye. Ad-blocker PITB ke CAPTCHA server ko block kar deta hai. Ya Chrome incognito mode mein try karein.
Kuch fields edit nahi ho saktain (CNIC, naam, date of birth). Lekin documents aur address aap dashboard se update kar sakte hain agar PHATA "Action Required" lagaye. Form submit karne se pehle 2-3 baar review karein.
Apna registered mobile number par jo SMS aayi thi, woh check karein, Tracking ID waha bhi hai. Ya phir acag.punjab.gov.pk par login karke dashboard se dobara dekh lein.
acag.punjab.gov.pk ki maujooda eligibility table mein PMT 60 ya kam ki shart sirf Mehfooz Chhat ke liye hai, ACAG ke naye ghar wale loan ke liye nahi; purane official pages abhi bhi ACAG ke liye likhte hain, is liye 0800-09100 se tasdeeq karein. Agar aapke ghar ki maloomat badal gayi hai to BISP Tehsil Office ke Dynamic Registration Desk par apna NSER survey muft update karwaen. BISP koi muqarrar waqt publish nahi karta; survey ke baad 8171 se SMS aata hai.
Agar zameen biwi ke naam par hai, to biwi ke naam se apply karein, wo hi is case mein eligible hain. Husband ke naam par apply karna fail ho jaayega kyunke system spouse ki property check karta hai.
acag.punjab.gov.pk par koi official tutorial video ya "Help" section nazar nahi aata (28 October 2026). Madad ke liye 0800-09100 par call karein.
punjab.gov.pk ke scheme page ke mutabiq NADRA record mein head of family apply karta hai. Joint family ke liye koi alag option ya 2026 update publish nahi hua. Maujooda eligibility table ke mutabiq applicant plot ka akela (sole) maalik hona chahiye; apne case ke liye 0800-09100 par poochein.
Bilkul zaroori hai shadi-shuda applicant ke liye. Pehle wife/husband ka CNIC NADRA se banwaen, phir apply karein.
Portal par login karke apna status dekhein aur wajah samjhein. Doobara apply karne ka koi muqarrar waqt publish nahi hua, is liye pehle 0800-09100 par poochein.
Fake Websites Se Bachain (Hoshyar Rahein)
Bohot saari fake websites aur Facebook pages aaye hain jo "Apna Ghar form bharne ki guarantee" dete hain, paise mang kar. Sab fraud hain.
Asli portal kaise pehchanen:
- ✅ Domain .gov.pk par khatam hota hai (sirf
acag.punjab.gov.pk) - ✅ Pakistan Government ka emblem nazar aata hai
- ✅ Punjab Government ki branding hai
- ❌ Asli portal kabhi fee nahi maangta
- ❌ Asli portal "guaranteed approval" nahi promise karta, kyunke selection eligibility aur tasdeeq par hai
Agar koi paise maange to NCCIA Cybercrime ko 1799 par fauran call karein.
Final Word: Form Bharne Se Pehle Sabar Aur Sachhai
Apna Ghar form bharna mushkil nahi hai, bus 4 cheezein zaroori hain:
- Documents pehle se ready, saari scanned copies saaf aur parhne ke qabil
- Sachhai, aamdani, property, family details, sab sahi likhein
- Salaam ke saath, koi shortcut nahi, koi rishwat nahi, koi agent nahi
- Sabr, verification ka waqt publish nahi hua, jaldi mat karein
Aaj hi apply karein agar eligible hain. Jitne pehle apply karenge, utni jaldi processing hogi.
Asli portal: acag.punjab.gov.pk Toll-free helpline: 0800-09100 NCCIA Cybercrime (fraud report): 1799
Mukhtasar guides padhein:
- Apna Ghar Online Registration 2026, Form, Last Date & Login (English)
- Apni Chhat Apna Ghar Status Check by CNIC
- PMT Score Check, Kaise Update Karein
- Apna Ghar Required Documents Checklist
Disclaimer: Ye article sirf informational hai. Apply sirf official portal acag.punjab.gov.pk par karein. Apni Chhat Apna Ghar (ACAG) scheme Punjab Housing & Town Planning Agency (PHATA) ke through Punjab Government chala raha hai. Maloomat punjab.gov.pk (May 2026) aur Punjab Government performance update (January 2026) se verified hai.
