اپنی چھت اپنا گھر - اہلیت چیکر

Apni Chhat Apna Ghar
Eligibility Checker

Check if you meet the key criteria for CM Punjab Apni Chhat Apna Ghar housing loan scheme. Instant results to help you understand your eligibility status.

✅ Instant Results | Free Check | No Registration | Updated: 2026

Check Your Eligibility (اہلیت چیک کریں)

Urban: 1 to 5 Marla | Rural: 1 to 10 Marla
Urban: 1 to 5 | Rural: 1 to 10
Criteria: Score must be less than 60%

District-wise Loan Distribution (PHATA)

Know your district's loan allocation and regional distribution

Sr. No. Zone PHATA Region District Loan Distribution PHATA Region wise Units Packaging
1CenterBhakarBhakar28319134423
2CenterBhakarKhushab243
3CenterBhakarLayyah366
4CenterBhakarMianwali307
5CenterBhakarMuzaffargarh714
6CenterFaisalabadChiniot3132511
7CenterFaisalabadFaisalabad851
8CenterFaisalabadJhang451
9CenterFaisalabadSargodha520
10CenterFaisalabadToba Tek Singh376
11NorthLahoreGujranwala65758048003
12NorthLahoreHafizabad302
13NorthLahoreKasur484
14NorthLahoreLahore1690
15NorthLahoreNankana314
16NorthLahoreNarowal357
17NorthLahoreOkara518
18NorthLahorePakpattan401
19NorthLahoreSheikhupura512
20NorthLahoreSialkot570
21NorthRawalpindiAttock2872198
22NorthRawalpindiChakwal263
23NorthRawalpindiGujrat466
24NorthRawalpindiJhelum225
25NorthRawalpindiMandi Bahauddin358
26NorthRawalpindiRawalpindi600
27SouthBahawalpurBahawalnagar45416845074
28SouthBahawalpurBahawalpur517
29SouthBahawalpurRahim Yar Khan714
30SouthMultanDG Khan4983390
31SouthMultanKhanewal458
32SouthMultanLodhran380
33SouthMultanMultan726
34SouthMultanRajanpur368
35SouthMultanSahiwal443
36SouthMultanVehari517
TOTAL 17500 17500 17500
📌 Note: This table shows district-wise loan distribution under PHATA (Punjab Housing, Transport & Agriculture) regions. Total available units across all regions is 17,500. Allocation may vary based on current scheme updates and phase-wise release.
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How to Use This Eligibility Checker

اہلیت چیکر کیسے استعمال کریں

Check your eligibility in 8 simple steps

1
👨‍👩‍👧‍👦

Family Head Status

خاندان کے سربراہ

Confirm if you are the head of your family according to NADRA records.

2
📍

Punjab Residency

پنجاب میں رہائش

Verify your NADRA record shows permanent residence in Punjab.

3
🏘️

Select Area Type

علاقہ کی قسم

Choose whether your land is in urban or rural area.

4
📐

Enter Land Size

زمین کا سائز

Input your land size in Marla (1-5 urban, 1-10 rural).

5
⚖️

Crime Record

مقدمہ

Confirm if you have no crime record or FIR against you.

6
💰

Financial Status

مالی حالت

Confirm if you are not a financial defaulter.

7
📋

NSER Registration

نیشنل رجسٹری

Verify your NSER registration status.

8
📊

NSER Score

اسکور

Enter your NSER score (must be less than 60).

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Pro Tip: Gather your CNIC, NADRA verification, land documents, and NSER certificate before checking. This ensures accurate results and faster application processing.

💡 Benefits of Using This Tool

Why Use Our Eligibility Checker?

Know your status before applying - save time and plan better

⚡

Instant Results

Get your eligibility status in seconds without visiting offices.

✅

Official Criteria

Based on CM Punjab Apni Chhat Apna Ghar scheme's actual requirements.

📋

Detailed Feedback

Clear breakdown of met and unmet criteria with guidance.

📱

Mobile Friendly

Use on any device - check anywhere, anytime.

🔒

Private & Secure

Your data is never stored - all local processing.

🆓

Completely Free

No charges, no registration, absolutely free check.

Punjab Government Schemes

CM Punjab Apni Chhat Apna Ghar Program Resources

Learn more about eligibility, how to apply, and explore other government schemes.

All Other Related Schemes

Explore all available schemes by the Punjab Government to uplift society and community.

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Apni Chhat Apna Ghar Loan Calculator

Calculate your monthly installments, total interest, and complete repayment schedule.

Calculate Loan

How to Apply For Apni Chhat Apna Ghar

Step-by-step guide on how to apply for the CM Punjab Apni Chhat Apna Ghar Scheme.

Learn How to Apply
❓ Got Questions? We Have Answers!

Frequently Asked Questions

Everything you need to know about the CM Punjab Apni Chhat Apna Ghar Scheme

❓What is CM Punjab Apni Chhat Apna Ghar Program?
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The CM Punjab Apni Chhat Apna Ghar Program is a flagship housing scheme aimed at providing affordable housing to low-income families in Punjab. The government provides subsidized loans to help citizens construct or purchase their own homes.

Scheme Features:

  • Subsidized interest rates (typically 3-5% per annum)
  • Extended loan tenure (5-25 years)
  • Government-backed financing
  • Flexible down payment options
  • Priority for low-income groups
🏠What does "Head of Family" mean?
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Head of Family is the primary decision-maker and legal representative of the family in government records. This is typically:

  • The oldest adult male member (in traditional contexts)
  • The person whose name appears in NADRA family register as "Sarparastar"
  • The sole owner of family property/assets
  • The person authorized to sign loan documents

Your NADRA Computerized National ID Card (CNIC) should reflect this status.

📍What is NADRA and why is Punjab residency important?
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NADRA (National Database and Registration Authority) maintains all Pakistani citizens' records. For this scheme:

  • Your registered address in NADRA must show Punjab as your permanent residence
  • You must have lived in Punjab for at least 2-3 years (varies by scheme rules)
  • This requirement prevents outsiders from claiming scheme benefits
  • Verification is done through your CNIC details
📐What are the land size limits (Marla)?
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Land size requirements vary by area type:

Urban Area: 1 to 5 Marla (1 Marla ≈ 100 sq ft)

Rural Area: 1 to 10 Marla (larger plots allowed)

1 Marla = 272.25 square feet (9m × 9m)

If your land is outside these limits, you may not be eligible for the scheme.

⚖️What constitutes a "crime record or FIR"?
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You are ineligible if you have:

  • Any First Information Report (FIR) filed against you (regardless of outcome)
  • Criminal conviction record
  • Pending legal cases or charges
  • History of fraud, theft, or financial crimes
Important: Even closed or acquitted cases may appear in records. Verify with local police or courts to be sure.
💳What is a "financial defaulter"?
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A financial defaulter is someone who has failed to repay loans or debts. This includes:

  • Bank loan defaults
  • Unpaid utility bills (electricity, water, gas)
  • Tax evasion or non-payment of taxes
  • Micro-finance/informal loan defaults
  • Court-ordered financial penalties not paid

Your credit history and payment records are checked with banks and FBR (Federal Board of Revenue).

📊What is NSER and how do I check my score?
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NSER (National Socio-Economic Registry) is Pakistan's poverty database maintained by NADRA.

  • NSER score ranges from 0 to 100
  • Lower scores = higher poverty level
  • Higher scores = better economic condition
  • Scheme requirement: Score must be less than 60 (meaning lower-income groups)
How to Check: Visit your nearest NADRA office with CNIC or check online at nadra.gov.pk
✅Is this checker accurate? What happens after?
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Yes, this checker is accurate based on official criteria. However:

  • This is an informational tool for pre-assessment
  • Final approval depends on official government verification
  • Additional documents may be required during application
  • Scheme rules may be updated - always verify with official sources
Next Steps if Eligible:
1. Use Loan Calculator to plan finances
2. Gather required documents
3. Apply through district office
4. Submit for official verification
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