The Apni Chhat Apna Ghar (ACAG) scheme in Punjab offers low-income families an opportunity to build their own homes with interest-free loans, and checking your application status by CNIC in 2026 is now simple, secure, and fully digital. Launched under the leadership of Maryam Nawaz Sharif, the program aims to reduce housing shortages, support plot owners with limited income, provide transparent financing, and eliminate middlemen and political interference. The Punjab Housing and Town Planning Agency targets over 100,000 housing units across urban and rural areas.
The scheme provides loans of up to PKR 1.5 million with a repayment period of seven years and monthly installments of approximately PKR 14,000. Eligibility criteria include Pakistani citizenship, permanent residency in Punjab, CNIC verification, land ownership (up to 5 Marlas in urban areas or 10 Marlas in rural areas), head-of-family status, no bank defaults, no criminal record, and verification of PMT and income profiles. Only one loan per family is allowed.
Required documents for status verification include a valid CNIC, proof of land ownership such as Fard, Registry, or Allotment Letter, declared income details, a recent photograph, and an active mobile number registered with the CNIC. All information is verified through integrated government databases to reduce fraud.
To check your application status by CNIC, visit the official ACAG portal at acag.punjab.gov.pk, log in with your CNIC and password, and access the “My Applications” dashboard. Status results include Submitted, Under Verification, Approved, Disbursed, or Rejected, with reasons provided in case of rejection.
Loan disbursement is stage-based, with installments released for foundation work, structural development, and finishing to ensure funds are used solely for construction purposes. Monthly installments are handled through partner banks and are generally lower than average rental costs.
Common reasons for delays or rejection include CNIC mismatches, incomplete land documents, incorrect plot size, bank defaults, or duplicate family applications. Applicants are advised to check their dashboard regularly and contact the official helpline if verification exceeds four weeks. The ACAG helpline is 0800-09100, email [email protected], and the office is at PHATA Head Office, Lahore, operating Monday to Friday from 9 AM to 5 PM.
The Apni Chhat Apna Ghar scheme in 2026 provides an interest-free, affordable path to homeownership for eligible families, and the CNIC-based status check ensures transparency, convenience, and easy access to all applicants.
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