The CM Punjab Apni Chhat Apna Ghar Scheme 2025 is one of the most significant housing initiatives launched in Pakistan, aimed at making affordable homeownership a reality for thousands of families. Spearheaded by Chief Minister Maryam Nawaz Sharif, the program offers interest-free housing loans to low-income families, setting new standards for inclusive and sustainable housing development in Punjab.

Key Achievements of the Scheme

Over 64,000 Loans Disbursed

Within just seven months, the scheme has successfully distributed more than 64,000 interest-free loans to families across Punjab. The government expects this number to reach 75,000 by August 2025, reflecting the program’s rapid expansion and strong demand.

A Model for Pakistan and Beyond

Chief Minister Maryam Nawaz has emphasized that the scheme represents more than just financial assistance—it is a national model for affordable housing. She stated that no family should be forced to choose between paying rent or facing eviction, reaffirming dignified housing as a fundamental right.

At a recent ceremony, CM Maryam personally met with 3,000 beneficiary families, many of whom were laborers and rickshaw drivers. Their stories of moving into new homes highlight the deep social impact and life-changing potential of the scheme.

Highlights and Strategic Features

• Province-Wide Coverage: Loans are distributed across all districts of Punjab, ensuring equitable access beyond major cities like Lahore.

• Focused Rollout: In the initial phase, 19 districts were prioritized, with 2,000 residential plots allocated through the Punjab Housing and Town Planning Agency (PHATA).

• Inclusive Approach: Special emphasis is placed on supporting labourers, small traders, rickshaw drivers, women, and marginalized groups, ensuring housing access for vulnerable communities.

• Financial Sustainability: With Rs. 74 billion disbursed and an impressive 99.9% recovery rate, the scheme demonstrates strong fiscal management and long-term sustainability.

Why the Scheme Matters

Transformative Reach

The program’s scale and speed—64,000 loans in seven months—make it one of the most impactful housing initiatives in Pakistan’s history. It provides a practical pathway to homeownership for thousands of families who previously lacked access to affordable financing.

Social and Economic Development

Beyond housing, the initiative supports job creation, improved living standards, and economic growth across Punjab. By empowering families with homes, the scheme fosters stability and a stronger sense of community.

Efficient Implementation

Through PHATA’s oversight and a one-window service model, the scheme ensures transparent operations, smooth loan processing, and effective project execution.

Frequently Asked Questions (FAQs)

Q1: How many loans have been disbursed so far?
Over 64,000 loans have been disbursed, with the target set at 75,000 by August 2025.

Q2: What is the selection process?
The selection is fully automated and merit-based, ensuring transparency and fairness.

Q3: Are there quotas in the scheme?
Yes, special quotas exist for women, differently-abled individuals, and minorities to promote inclusivity.

Q4: How many homes are completed under the program?
Currently, 9,000 homes have been completed, while 52,000 are under construction.

Q5: What is the loan recovery rate?
The scheme maintains a 99.9% loan recovery rate, reflecting strong financial discipline.

Conclusion

The CM Punjab Apni Chhat Apna Ghar Scheme 2025 is more than just a housing project—it is a comprehensive social uplift initiative. By combining interest-free loans, inclusive policies, and sustainable planning, the scheme ensures that thousands of families across Punjab can secure safe, affordable homes. It stands as a landmark example of good governance, economic empowerment, and social inclusion, setting a precedent for housing initiatives across Pakistan and beyond.