The Apni Chat Apna Ghar Scheme 2025 is a key housing program by the Punjab government aimed at providing affordable homes to low- and middle-income families. Checking your PMT (Poverty Means Test) score is critical to ensure eligibility for the scheme. Accurate PMT verification helps government authorities target deserving families effectively. For official registration and application, use the ACAG Punjab portal.
| Feature | Details |
|---|---|
| PMT Score Purpose | Measures household financial and social status for welfare programs |
| Managing Authority | BISP (Benazir Income Support Programme) |
| Eligibility Range | PMT score 0–40 (eligible) |
| Priority Level | Lower PMT scores get higher priority |
| How to Check | Online portal and SMS verification |
| Required Documents | CNIC, income proof, utility bills, FRC |
| Registration Mode | Online via ACAG Punjab portal |
| Program Goal | Help families access affordable housing |
Understanding PMT Score and Its Importance for Apni Chat Apna Ghar
The PMT score is calculated by BISP to assess a household’s financial health. It plays a crucial role in the Apni Chat Apna Ghar Scheme to make sure housing benefits reach the families who need them most.
- Evaluates monthly income, assets, and employment
- Considers family size and number of dependents
- Assesses living conditions, house type, and utilities
- Checks education level and health indicators
A lower PMT score increases your priority for the scheme, ensuring financially struggling families get affordable homes.
PMT Score Eligibility Criteria for Apni Chat Apna Ghar 2025
Eligibility is strictly based on your PMT score. Only families within certain score ranges qualify for the scheme.
- Score 0–20: Highly eligible, top priority for housing
- Score 21–40: Eligible to apply for the program
- Score above 40: Usually not eligible unless policy changes
Households already registered under BISP or Ehsaas often fall within the eligible score range, giving them priority access to the housing scheme.
How to Check PMT Score Online and Via SMS
Checking your PMT score is simple and essential for housing scheme eligibility.
Online Method:
- Visit the official ACAG Punjab portal: https://acag.punjab.gov.pk/
- Enter your 13-digit CNIC number
- Complete the captcha verification
- Submit to see your PMT score and eligibility status
SMS Method:
- Send your CNIC number to 8171
- Receive your PMT score via reply message
Always use a registered mobile number to ensure accurate verification and faster processing.
Step-by-Step Online Registration for Apni Chat Apna Ghar Scheme
After confirming PMT eligibility, you can register online for the Apni Chat Apna Ghar Scheme 2025.
- Visit the official ACAG Punjab portal for registration
- Enter your CNIC and mobile number
- Fill in family, income, and housing details
- Upload scanned copies of all required documents
- Submit the application and save your tracking number
Providing correct information is essential for smooth approval and faster processing of your housing application.
Required Documents and Who Can Apply
Ensure all required documents are ready before registration.
- CNIC of applicant and spouse for identity verification
- Income certificate or salary slips to verify finances
- Utility bills for current address proof
- Family Registration Certificate (FRC) for household details
- BISP or Ehsaas certificate (if available) for priority
Eligibility to Apply:
- Pakistani citizens with valid CNIC
- PMT score 0–40
- Families without a house or property
- Applicants who haven’t benefited from previous housing programs
| Document Type | Purpose |
|---|---|
| CNIC | Identity verification of applicant and spouse |
| Income Certificate | Financial verification for eligibility |
| Utility Bills | Proof of address |
| Family Registration Certificate | Verify household members |
| BISP/Ehsaas Certificate | Priority verification for beneficiaries |
| Property Ownership Documents | Confirm applicant does not own a house |
| Mobile Number | Receive SMS updates and notifications |
| Application Form | Official submission for the scheme |
Conclusion
Checking your PMT score is the first and most important step for applying to the Apni Chat Apna Ghar Scheme 2025. Accurate PMT verification, preparing all necessary documents, and completing online registration via the ACAG Punjab portal increases your chances of securing an affordable home. This program provides a real opportunity for financially struggling families to achieve safe and stable housing.
FAQS:
Q1: What is the PMT score used for?
The PMT score measures household financial and social status to determine eligibility for the Apni Chat Apna Ghar Scheme 2025.
Q2: Can families with PMT score above 40 apply?
Usually, families with scores above 40 are not eligible, but this can change with government policy updates.
Q3: Is checking the PMT score free?
Yes, checking your PMT score through ACAG Punjab portal or SMS is completely free.
Q4: Do I need to visit a BISP office to register?
No, registration is fully online through ACAG Punjab portal, though verification may require a visit later.