Apni Chhat Apna Ghar Application Status Check by CNIC 2026: Online Official Method

The “Apni Chhat Apna Ghar” scheme is Chief Minister Maryam Nawaz’s flagship housing initiative, designed to help low-income families in Punjab build their dream homes. If you have applied for this interest-free loan scheme, checking your application status is crucial to knowing when your funds will be released. We have compiled the latest 2026 verified data from the official Punjab Housing portal to guide you on how to check your status using your CNIC.

Feature	Details
Scheme Name	Apni Chhat Apna Ghar (ACAG)
Launched By	CM Maryam Nawaz Sharif
Loan Amount	Up to PKR 1.5 Million (15 Lakh)
Interest Rate	0% (Interest-Free)
Official Portal	acag.punjab.gov.pk
Helpline	0800-09100
Monthly Installment	Approx. PKR 14,000
Repayment Period	7 Years

Very Easy Guide: How To Apply For CM Punjab Loan Scheme Online Step by step Compleate Method

Understanding the Apni Chhat Apna Ghar Initiative

The Apni Chhat Apna Ghar program is a historic move by the Punjab Government to address the housing crisis. Unlike traditional bank loans that come with high interest rates, this scheme offers a completely interest-free loan of up to PKR 1.5 million. The scheme is specifically targeted at plot owners who have the land but lack the financial resources to construct a house. According to the Punjab Housing and Town Planning Agency (PHATA), the goal is to construct over 100,000 sustainable housing units across the province. The transparent digital system ensures that every applicant is judged solely on merit, without the need for political connections or bribes.

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Eligibility Criteria for the Housing Loan

To ensure transparency and fairness, the government has established strict eligibility rules. You must meet the following criteria to qualify for the loan:

Citizenship & Residency: The applicant must be a citizen of Pakistan and a permanent resident of Punjab, as verified by their CNIC.
Land Ownership: You must own a residential plot of up to 5 Marlas in urban areas or up to 10 Marlas in rural areas. The land must be in your name at the time of application.
Head of Family: The applicant should be the head of the family as per NADRA records. This ensures that one household receives one loan facility.
Financial Status: The applicant must not be a defaulter of any bank or financial institution. Additionally, you should not have any criminal record involving anti-state activities.

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Required Documents for Verification

Before checking your status or updating your application, ensure you have digital copies of the following documents. These are cross-verified by the system automatically:

Valid CNIC: A clear front and back copy of your Computerized National Identity Card is mandatory for identity verification.
Proof of Land Ownership: You must upload valid property documents such as a Fard, Registry, or Allotment Letter that proves you own the land where construction is planned.
Income Proof: While the loan is for low-income groups, you may need to declare your monthly income status to show repayment capacity (PMT score is also checked).
Picture & Contact Info: A recent passport-sized photograph and a valid mobile number registered in your name are required for OTPs and status alerts.

Step-by-Step Status Check via CNIC (Web Portal)

The most reliable way to check your application status is through the official ACAG web portal. Unlike other schemes that use SMS codes like 8070, this housing scheme primarily uses a secure online dashboard.

Open your web browser and visit the official website: acag.punjab.gov.pk
Click on the “Login” or “Candidate Access” button on the top right corner.
Enter your CNIC Number (without dashes) and the Password you created during registration.
Click Sign In to access your dashboard.
Navigate to the “My Applications” section.
Your current status will appear: Submitted, Under Verification, Approved, or Disbursed.
If your status is Approved, click for details to see the loan release schedule.
If Rejected, the reason will be listed (e.g., land record mismatch), allowing corrections if possible.

Loan Disbursement and Repayment Details

Once your application status shows Approved, the disbursement process begins:

Installment Release: The loan of PKR 1.5 million is released in tranches based on the construction stage (foundation, structure, finishing).
Repayment Schedule: 7 years, with monthly installments around PKR 14,000. Often less than typical rent.
Zero Hidden Charges: The scheme is strictly interest-free. Only the principal is repaid. No processing fees or bank markups.
Bank Partners: Major banks and microfinance institutions handle disbursement securely.

Helpline & Contact Information

If you are unable to log in or your status is Under Verification for more than 4 weeks:

Official Helpline: 0800-09100
Email Support: info@acag.punjab.gov.pk
Head Office: PHATA Head Office, Lahore
Support Timing: Monday to Friday, 9:00 AM – 5:00 PM

Conclusion

The Apni Chhat Apna Ghar scheme 2026 is a golden opportunity for Punjab residents to transition from tenants to homeowners. Using the official portal at acag.punjab.gov.pk, you can track your application status using your CNIC. Whether you have a 10-marla plot in a village or a 5-marla plot in a city, this interest-free loan can transform your life. Keep checking your dashboard weekly and ensure your phone is active for official SMS alerts.