The Apni Chhat Apna Ghar (ACAG) Scheme 2026 is a government housing initiative by the Punjab Government designed to provide interest-free home loans and government-supported houses for low and middle-income families. This program enables families to achieve homeownership in Punjab while maintaining transparency and fairness. Applicants can check their ACAG application status online using CNIC, receive official SMS updates, and track balloting results. The scheme ensures that deserving families have access to affordable housing and financial stability.

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Latest Updates on ACAG Scheme 2026

As of January 2026, the Punjab Government has started district-wise balloting results for the ACAG housing scheme. Key updates include increased interest-free loan limits, structured monthly installments, a grace period before repayment, and official SMS alerts. These measures make it easier for eligible families to access housing loans, check their CNIC-based application status, and receive timely government notifications. Applicants can now verify if their application is Submitted, Verified, Selected, Rejected, or Incomplete, providing complete transparency and accountability.

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How to Check ACAG Scheme Status by CNIC

There are three official methods to verify your ACAG application status 2026:

1. Official ACAG Portal (Recommended)

Visit acag.punjab.gov.pk
Log in with your 13-digit CNIC and password
Click “Application Status” or “Dashboard” to view your current status

2. Balloting Result by CNIC

Visit the official ACAG portal
Click “Ballot Results”
Enter your 13-digit CNIC to see if you are selected

3. Toll-Free Helpline

Call 0800-09100
Provide your CNIC for real-time updates on your application

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ACAG Application Status Meanings

Submitted / Pending: Application received, documents under review
Verified / Eligible: Application approved and added to the balloting list
Selected: Application selected in the computerized draw, proceed to allotment
Rejected: Application declined due to high PMT score or incomplete/incorrect documents
Incomplete: Some required documents are missing or incorrect

How to Apply for This Program

Applying for the ACAG Scheme 2026 is straightforward:

Visit acag.punjab.gov.pk
Create an account using your CNIC
Fill in personal, residential, and income details
Upload verified CNIC, Fard (land record), and income proof
Submit the application for official verification
Track status online or via official helpline

Benefits of This Program

Interest-free housing loans for low-income families
Flexible monthly installment plans after approval
Grace period of 3 months before first installment
Transparent balloting system for fair selection
Assistance available for applicants in urban and rural areas
Improves financial stability and homeownership opportunities

Helpline and Contact Details

Applicants can get assistance and clarifications via official ACAG helpline and contact points:

Toll-Free Helpline: 0800-09100
Official Portal: acag.punjab.gov.pk
Email Support: support@acag.punjab.gov.pk
Real-time SMS alerts from official Punjab Government IDs
Office hours: 9:00 AM – 5:00 PM, Monday to Friday

ACAG Scheme Loan & Balloting Details

Feature	Details
Maximum Loan Limit	PKR 1,500,000 (Qarz-e-Hasna, interest-free)
Eligible Plot Size (Urban)	1 to 5 Marla
Eligible Plot Size (Rural)	1 to 10 Marla
Monthly Installment	Approx. PKR 14,000
Grace Period Before Installment	3 Months
Balloting Result Notification	Official SMS from 8070 or PunjabGovt
Official Portal	acag.punjab.gov.pk
Helpline	0800-09100

Most Important Points to Remember

Apply only through official ACAG portal
Keep CNIC and land record ready
Track status via CNIC or token number
Follow official SMS alerts only
Selected applicants must complete agreement signing
Monthly installment starts after grace period
Ensure documents are clear and readable
Avoid third-party agents asking for money
Urban and rural plots have different size limits
Interest-free loans are Qarz-e-Hasna
Rejected applicants can reapply in future phases
Keep updated on balloting results online
Applicants with incomplete status should edit application promptly
Document verification is mandatory for eligibility
Homeownership improves financial security and family stability
Digital tracking ensures fair selection
Loan limits have been increased for 2026
Official portal and helpline provide real-time support
Grace period ensures repayment flexibility
Balloting system is computerized for transparency
CNIC verification is mandatory for application approval
Selected applicants receive official SMS confirmation
Balloting results are district-wise for fairness
Avoid fake land documents to prevent rejection
Clear CNIC photos are necessary for approval
Monthly installments are affordable and manageable
Punjab Govt monitors the entire application process
Applicants should apply early to avoid delays
Loan disbursement follows official ACAG procedures
Compliance with rules ensures smooth approval process

Conclusion

The Apni Chhat Apna Ghar Scheme 2026 is a key housing program for low and middle-income families in Punjab. With interest-free loans, transparent balloting, flexible monthly installments, and official SMS alerts, this initiative ensures fair access to housing. Applicants should apply via acag.punjab.gov.pk, submit accurate documents, and monitor their CNIC-based application status for the best chance of selection.

FAQs:

1. How can I check my ACAG application status by CNIC?
You can check your status online at acag.punjab.gov.pk or via the toll-free helpline 0800-09100.

2. What is the maximum interest-free loan under this scheme?
Selected applicants can receive up to PKR 1.5 million completely interest-free (Qarz-e-Hasna).

3. What should I do if my application status shows “Incomplete”?
Log in to acag.punjab.gov.pk, edit your application, upload missing documents, and resubmit before the final deadline.