The Government of Punjab, through the Punjab Housing and Town Planning Agency, is advancing inclusive and affordable housing through its Apni Chhat Apna Ghar Programme. The initiative provides interest-free housing loans to low-income families, enabling them to construct safe and dignified homes on land they already own.

By combining public financing, digital technology and accountability in implementation, the Programme is helping translate the right to adequate housing into tangible improvements in security, dignity and well-being, while supporting local employment and economic activity. Its scale and innovative financing model demonstrate the potential for inclusive housing solutions to deliver lasting social and economic impact.