How To Check PMT Score And Apply for Apni Chat Apna Ghar Scheme 2026

Check PMT Score And Apply For Apni Chat Apna Ghar Scheme 2026

The Apni Chat Apna Ghar Scheme 2026 is an important housing initiative launched by the Punjab Government to help low- and middle-income families own an affordable home. One of the most important requirements for this scheme is checking your PMT (Poverty Means Test) score, which decides whether you are eligible or not. The PMT score is calculated by BISP and reflects your household’s financial condition. Without verifying this score, you cannot successfully apply for the scheme. This guide explains how to check your PMT score, eligibility rules, application steps, required documents, and common mistakes, so you don’t need to search anywhere else.

Quick Information Table for Check PMT Score And Apply For Apni Chat Apna Ghar Scheme 2026

Feature	Details
Program Name	Apni Chat Apna Ghar Scheme 2026
Province	Punjab
Managing Authority	Punjab Government
PMT Score Authority	BISP
Start Date	Ongoing (2026 Phase)
End Date	As per official notification
Assistance	Affordable / subsidized housing
Eligibility PMT Score	0–40
Application Method	Online
Official Portal	acag.punjab.gov.pk

What Is PMT Score and Why It Matters?

The PMT score is a system developed by Benazir Income Support Programme (BISP) to measure the financial and social condition of a household. It helps the government ensure that welfare and housing schemes reach only deserving families.

The PMT score is calculated based on:

Monthly household income
Family size and dependents
Employment status
Type of house and utilities
Education and health indicators

A lower PMT score means higher financial need, which increases your chances of selection in the Apni Chat Apna Ghar Scheme.

PMT Score Eligibility Criteria for Apni Chat Apna Ghar Scheme 2026

Eligibility is strictly linked to your Check PMT Score And Apply For Apni Chat Apna Ghar Scheme 2026.

PMT Score 0–20: Highly eligible and top priority
PMT Score 21–40: Eligible to apply
PMT Score above 40: Usually not eligible

Families already registered with BISP or Ehsaas mostly fall within the eligible range and are often given priority.

How To Check PMT Score in 2026 (Online & SMS)

Check PMT Score And Apply For Apni Chat Apna Ghar Scheme 2026 is easy and free.

Online Method (Recommended)

Visit the official portal: https://acag.punjab.gov.pk/
Enter your 13-digit CNIC number
Complete captcha verification
Submit the form
Your PMT score and eligibility status will appear

SMS Method (Without Internet)

Open your mobile messages
Type your 13-digit CNIC number
Send it to 8171
Receive your PMT score via SMS

Always use a SIM registered on your CNIC for accurate results.

Step-by-Step Registration for Apni Chat Apna Ghar Scheme 2026

After confirming eligibility, follow these steps:

Visit acag.punjab.gov.pk
Click on Online Registration
Enter CNIC and mobile number
Fill in family, income, and housing details
Upload required documents
Submit the application
Save your tracking number

Correct and complete information improves approval chances.

Required Documents for Application

Prepare these documents before applying:

Document	Purpose
CNIC (Applicant & Spouse)	Identity verification
Income Certificate / Salary Slip	Financial assessment
Utility Bills	Address proof
Family Registration Certificate (FRC)	Family details
BISP / Ehsaas Proof (if any)	Priority verification
Property Declaration	Confirm no house ownership
Mobile Number	SMS updates

Who Can Apply for This Scheme?

You can apply if:

You are a Pakistani citizen with valid CNIC
Your PMT score is 0–40
You do not own a house
You have not benefited from any previous housing scheme
Your family income is low or moderate

Common Mistakes to Avoid

Entering wrong CNIC number
Using SIM not registered on CNIC
Providing false income information
Uploading unclear documents

Such mistakes can lead to rejection or delays.

Conclusion

Checking your PMT score is the first and most important step to apply for the Apni Chat Apna Ghar Scheme 2026. Once your eligibility is confirmed, completing online registration through the ACAG Punjab portal with correct information increases your chances of securing affordable housing. This scheme offers a real opportunity for deserving families in Punjab to own a safe and dignified home.