Apna Ghar Apni Chhat – Registering Construction & Real Estate Companies in Pakistan
If you’re in the construction or real estate business in Pakistan—especially in Punjab—now is the time to act. The Apna Ghar Apni Chhat initiative, launched by the Punjab Government, is transforming the affordable housing landscape. Whether you’re a builder, developer, architect, or contractor, this scheme opens doors to massive government-backed opportunities.
But there’s a catch: you need to be officially registered to work on these projects.
So, if you’re wondering how to get your business involved in ACAG and what steps you need to take, you’re in the right place.
Let’s break it down in a simple, conversational way.
What is Apna Ghar Apni Chhat (ACAG)?
The Apna Ghar Apni Chhat (translated: A Home, A Roof of Your Own) initiative is a landmark housing program by the Punjab Government, aiming to deliver 100,000 affordable housing units to low-income families across the province.
Key features include:
The goal? Empower ordinary citizens to own a home—without falling into long-term debt traps.
Recent Milestones & Developments
In July 2025, the Punjab Government released Rs 42 billion under its Annual Development Program (ADP) to boost the scheme’s rollout. This injection of funding supports everything from land acquisition to construction subsidies and zero-interest lending.
Source: Dawn News
Earlier in November 2024, the first batch of 850 applicants received their installment checks, and hundreds of homes are already under construction.
Source: Radio Pakistan
That’s real momentum. And real opportunities for businesses like yours.
Why Your Real Estate or Construction Business Should Care
If you’re in construction, development, architecture, or even materials supply—this is your chance to partner with a government-backed initiative and grow your business responsibly.
Here’s why it matters:
Guaranteed Demand
The government has committed to 100,000 homes. That’s a reliable pipeline of projects over the coming years.
Government Funding = On-Time Payments
Work with the public sector means steady cash flow, reduced financial risk, and less chance of client default.
Profit Meets Purpose
You get to build affordable homes for those in need—while also earning and expanding your market footprint.
How the ACAG Scheme Works (Execution Models)
There are three core models under the Apna Ghar Apni Chhat initiative. Understanding these will help you decide where your business fits in.
| Model Type | Description | Ideal For |
| Government-Owned Land | Housing projects on state-owned plots | Builders, developers |
| Private Land Scheme | Private landowners can propose housing developments | Landowners, architects |
| Interest-Free Loan (IFL) Model | Eligible families get up to Rs 1.5 million loan | NGOs, contractors, financial partners |
Each home will cost between Rs 1.5M to Rs 2.5M, and construction timelines are tight to ensure delivery within 12–18 months.
Loans are repayable in monthly installments over 7 years
No interest or markup is charged to the beneficiaries
How to Get Involved as a Business
You can’t just jump in—you need to register your company first. Here’s a step-by-step guide to getting your construction or real estate firm aligned with ACAG.
Step 1: Register Your Company
Step 2: Apply for Accreditation
You’ll need:
Step 3: Submit Project Proposals
Once accredited, you can pitch:
Step 4: Stay Compliant
Your project may undergo:
Following the compliance rules keeps you eligible for future government projects.
Step 5: Build & Deliver
Timely delivery improves your track record and opens doors to more government-backed housing and infrastructure schemes.
Key Requirements for Construction Companies to Join ACAG
| Requirement | Details |
| Business Registration | With SECP or through CompanyRegistrationPakistan.com |
| Accreditation | PHATA or ACAG portal |
| Tax Documentation | Valid NTN, STRN, Tax Compliance |
| Financial Stability | Bank statements or financing support |
| Construction Experience | Minimum 2-3 years preferred |
| Technical Proposal | Housing model, delivery schedule, cost plan |
Real-World Tip: Why Now Is the Right Time
The construction sector in Pakistan is expected to grow by 6.5% annually through 2026, fueled by government housing programs, infrastructure initiatives, and real estate demand.
As ACAG gains momentum, the early movers—those who register and get accredited now—will have the best shot at long-term contracts, repeat government partnerships, and steady growth.
External Resources for Deeper Insights
To explore further, visit the official websites:
These portals provide:
Also, check out SECP‘s company registration resources for construction-related compliance.
Final Thoughts: Build with Vision
The Apna Ghar Apni Chhat scheme isn’t just another government project—it’s a long-term vision for affordable living in Pakistan. And if your company is ready to grow, deliver real impact, and participate in large-scale development, now is the time to register and align your operations.
Register your business
Get accredited
Build homes
Grow your brand
Make a real difference
Need help getting started? Head over to companyregistrationpakistan.com to set your business up for ACAG success.