The Apni Chhat Apna Ghar Program 2026 is one of the most impactful housing schemes launched by the Punjab Government to support low and middle-income families who dream of owning a home but cannot afford high construction or loan costs. Instead of depending on expensive bank loans, private lenders, or informal borrowing, this scheme offers interest-free housing loans in Punjab, making home ownership easier, safer, and financially manageable for deserving families. The purpose of this government housing initiative is to provide financial relief, improve living standards, and help people build a secure future.
This Punjab Housing Scheme 2026 is designed with flexibility and real-life needs in mind. It does not follow a one-type policy; instead, it supports every eligible person according to their situation. Whether someone is living in a rented house, forced to stay with relatives, or owns a small piece of land but cannot afford construction, the program provides home construction support, plot-based assistance, and financial help for all categories. The goal is to reduce homelessness and empower families with stability, dignity, and long-term security.
Applicants can easily register through both online and offline application systems, making the process simple and accessible. The program includes clear eligibility criteria, required document guidelines, verification procedures, and a transparent loan approval process. Once registered, applicants can also track their application status step by step, ensuring trust and confidence in the scheme. Overall, the Apni Chhat Apna Ghar Scheme 2026 is a hope for thousands of families in Punjab, helping them turn their dream of owning a house into reality.
For the latest and most authentic updates about the Apni Chhat Apna Ghar Scheme 2026, visit apnichatapnaghar.pk. Here you can find complete details about eligibility, online and offline registration, application status checking, loan information, verification updates, FAQs, and official announcements — all in one place. Our website is regularly updated to provide accurate guidance so applicants can easily understand the process and successfully apply for the ACAG Punjab Housing Scheme.
What is the Apni Chhat Apna Ghar Program? in 2026
The Apni Chhat Apna Ghar Program 2026, commonly known as ACAG, is a major Punjab Government housing initiative launched to improve the living standards of low-income and middle-income families. Under this scheme, the government provides interest-free housing loans in Punjab to eligible citizens so they can build homes on their own land without depending on costly bank financing or private borrowing. This Punjab Housing Scheme 2026 aims to support deserving families struggling with rent, financial pressure, or incomplete construction due to limited resources.
The CM Punjab Apni Chhat Apna Ghar Scheme 2026 is designed to help families move from renting to owning, ensuring financial stability, permanent shelter, and social uplift. With Phase 2 in 2026, the program now covers more families across Punjab with better benefits, updated eligibility criteria, simplified documentation, and an improved verification process. Through transparent approval, supportive policies, and accessible online & offline registration, ACAG 2026 continues to play a key role in reducing homelessness and supporting affordable housing in Punjab.
ACAG Apni Chat Apna Ghar Scheme Latest Update 2025-26
Apni Chhat Apna Ghar Eligibility Criteria
Who Can Apply for the Apni Chhat Apna Ghar Scheme?
The Apni Chhat Apna Ghar Program 2026 is specially designed to support low-income and deserving families who do not have a permanent house and cannot afford expensive loans. To make the selection process fair, the Punjab Government has set clear eligibility rules so that only truly needy families receive interest-free housing loans under the Punjab Housing Scheme 2026.
1️⃣ Residency Requirement – Must Be a Punjab Resident
The applicant must be a permanent resident of Punjab. Only those living in Punjab are allowed to benefit from this scheme. Applicants will need to provide:
- Punjab address proof
- Valid CNIC
- Updated family details
This ensures the scheme directly benefits Punjab citizens and supports local families who genuinely need housing assistance.
2️⃣ Land Ownership Requirement – Plot Is Mandatory
To apply for the ACAG Housing Loan, the applicant must already own a piece of land because the government provides financial support for construction, not land purchase. The land must be legally registered in the applicant’s name.
Eligible Land Size:
- Urban Areas: 1 to 5 Marla
- Rural Areas: 1 to 10 Marla
The land must:
- Be within Punjab
- Be free from major legal disputes
- Be suitable for construction
This helps ensure that loan funds are used correctly for home construction in Punjab.
3️⃣ Income Level Requirement – Support for Low-Income Families
The program mainly targets financially weak and low-income families. Preference is given to those earning:
- Monthly income below PKR 60,000
This condition makes sure the interest-free housing loan Punjab 2026 reaches families who genuinely cannot afford traditional bank loans, heavy interest rates, or private borrowing.
Families with stable high income or luxury assets usually do not qualify because the aim is to reduce poverty, support poor families, and improve living standards.
4️⃣ No Previous Home Ownership – Must Be Without a House
The applicant must not have previously owned a house in their name.
This is one of the most important eligibility rules because the scheme is made for:
- Families living in rented houses
- Families living with relatives due to financial issues
- Families without any permanent home
The goal of the Apni Chhat Apna Ghar Scheme 2026 is to convert homeless or shelterless families into proud homeowners.
5️⃣ PMT Score Requirement – Proof of Financial Need
Every applicant must have a PMT Score of 60 or below.
The PMT (Poverty Means Test) score is a government system used to measure:
- Economic condition
- Poverty level
- Social and financial need
A lower PMT score means the applicant truly deserves help. This stops financially strong people from misusing the benefit and ensures the Punjab low-income housing scheme 2026 helps the right families.
6️⃣ NADRA Registration & Family Head Verification
The applicant must be:
- Registered with NADRA
- Listed as the Head of Family
NADRA verification helps:
- Confirm identity
- Check family records
- Prevent fake or duplicate applications
This builds a transparent, fair, and corruption-free housing system.
How to Apply for Apni Chhat Apna Ghar (ACAG)?
Applying for the Apni Chhat Apna Ghar Scheme 2026 has now become extremely easy because the Punjab Government has introduced a fully digital and user-friendly online registration system. Whether you are applying for the first time or updating your previous application, you can submit your details online without visiting government offices, standing in long queues, or dealing with unnecessary paperwork. Just follow the steps below carefully to complete your ACAG 2026 online registration smoothly.
✅ Step 1: Visit the Official Registration Portal
Open your mobile, laptop, or computer browser and go to:
acag.punjab.gov.pk
Always make sure you are using the official Punjab Government website. Do not click on unknown links or fake pages because many scammers spread false registration forms. Only trust the official ACAG Punjab portal for safe and secure registration.
✅ Step 2: Create Your ACAG Account
Once the website opens, you will see the online application section.
- Click on “Online Registration / Apply Now”
- Enter your CNIC number
- Provide your mobile number
- Create a secure password
- Verify your account through OTP (verification code) sent to your phone
After verification, your account will be successfully created and you can continue the registration.
Tip: Make sure your SIM is registered in your name, otherwise you may not receive the verification code.
✅ Step 3: Fill the Online Application Form
Now you will see the Apni Chhat Apna Ghar Online Registration Form 2026.
Carefully fill in the required details, including:
- Applicant’s Full Name
- CNIC Number
- Father / Husband Name
- Residential Address
- District & Tehsil
- Family Details
- Monthly Income Information
- Employment or Occupation Details
- Contact Number & Email (if available)
Provide only correct and truthful information, because incorrect details can result in rejection.
✅ Step 4: Enter Land Ownership Details
Since ACAG provides interest-free construction loans, you must already own a plot of land.
In this section, you will enter:
- Land Location
- Plot Size
- Urban / Rural Category
- Ownership Proof Details
- Property Number (if applicable)
Remember:
- Urban Areas: 1 to 5 Marla land allowed
- Rural Areas: 1 to 10 Marla land allowed
Your land will later be verified before loan approval.
✅ Step 5: Upload Required Documents Online
Now upload scanned copies or clear mobile pictures of:
- CNIC (Front + Back)
- Land Ownership Document / Registry / Fard
- Proof of Income (if available)
- Family Registration Certificate (FRC – optional but useful)
- Recent Photograph
Make sure the images are clear, readable, and original.
✅ Step 6: Submit Application
Double-check all details before submitting.
Then click:
“Submit Application”
Once submitted, your request will be officially received by the Punjab Government ACAG system.
✅ Step 7: Receive Confirmation Message
After submission, you will receive:
- Confirmation message on the website
- SMS confirmation on your mobile number
This confirms that your Apni Chhat Apna Ghar Online Registration 2026 has been successfully submitted.
Offline Registration Option (No Internet? No Problem!) – 2026 Updated Guide
If you cannot apply online or do not have access to the internet, the Punjab Government has also introduced a simple offline registration system for the Apni Chhat Apna Ghar Program 2026. This ensures that every deserving citizen, including those from rural areas, remote regions, or without smartphones, can still submit their application easily.
You can visit any authorized ACAG registration point, such as:
- Apni Chhat Apna Ghar Facilitation Centers
- Punjab Bank Branches (authorized for ACAG processing)
- District Housing Support Offices / Local Government Help Desks
When you visit the center, take your required documents with you (CNIC, land documents, proof of income if available, and family details). The trained staff will help you:
- Fill your application form
- Enter your data into the ACAG system
- Upload your scanned documents
- Submit your registration officially
This facility is especially beneficial for low-income families, elderly applicants, less-educated citizens, and rural communities, ensuring that no deserving applicant is left behind from the Punjab Housing Scheme 2026.
✅ After Submission – What Happens Next? Complete Process
Once your Apni Chhat Apna Ghar (ACAG) 2026 application is submitted, your case enters an organized and transparent process. This step-by-step system ensures fairness and equal opportunity for every applicant.
🔍 1️⃣ Initial Screening
In the first phase, your basic application details are checked in the government database. This includes:
- CNIC verification
- Punjab residency confirmation
- Family records
- Basic eligibility review
If your information is correct, your application moves to the next stage.
📝 2️⃣ Verification Phase
This is the most important stage where your financial condition and eligibility are verified carefully. Authorities check:
- Monthly Income Verification
- PMT Score (must be 60 or below)
- NADRA records
- Land Ownership Validity & Size Criteria
Field teams may also conduct physical verification in some cases to confirm the land location and authenticity of documents. This ensures that the scheme benefits only genuine and deserving families.
📋 3️⃣ Shortlisting & Balloting
After verification, eligible applicants are shortlisted. In districts where applications are higher than the available quota, a fair computerized balloting or selection process is conducted to ensure transparency.
If selected, your name appears in the final shortlisted list for the Apni Chhat Apna Ghar Scheme 2026.
💰 4️⃣ Loan Processing & Approval
Once shortlisted, your case is forwarded to partner banks and financial institutions for loan processing. The bank reviews:
- Your verified income details
- Eligibility documents
- Repayment support terms (interest-free system)
After successful review, your interest-free housing loan in Punjab is approved and the financial support is officially sanctioned.
🏠 5️⃣ House / Plot Allotment or Construction Grant – Final Step Before Possession
In the final stage:
- Construction funds are released in phases
- Monitoring teams ensure proper utilization
- Guidance is provided for building completion
This leads you towards your dream home, providing permanent shelter, stability, and financial dignity under the Punjab Apni Chhat Apna Ghar Housing Scheme 2026.
Apna Ghar Scheme – Online Registration Last Date
The Apni Chhat Apna Ghar Scheme 2026 registration is currently open, but the Punjab Government will officially announce the final last date on the ACAG portal. As of now, authorities have not declared a fixed closing deadline because the government wants to give maximum time to low-income families and eligible citizens to complete their applications. However, once the final date is announced, registrations will strictly close after the deadline.
Therefore, applicants are strongly advised not to wait for the last day. Apply as early as possible to avoid system rush, verification delays, or rejection due to incomplete submissions. Many applicants lose opportunities simply because they wait too long. The government has clearly stated that only those applications submitted before the official ACAG last date 2026 will be considered for verification, shortlisting, and financial assistance.
🔔 Stay Updated About the Deadline
To avoid missing important updates, applicants should regularly:
- Visit the official website: acag.punjab.gov.pk
- Check Apna Ghar Apni Chhat application status
- Follow official Punjab Government announcements
- Keep all required documents ready in advance
This ensures you remain aware of:
Loan approval announcements
Registration opening and closing updates
Verification timelines
Balloting or shortlisting dates
What Happens After Your Application is Submitted?
Apni Chhat Apna Ghar Registration Status Check (2026 Detailed Guide)
After submitting your Apni Chhat Apna Ghar (ACAG) 2026 application, the next important stage is the verification and status checking process. This phase confirms whether your application is accepted, under review, shortlisted, or approved for the interest-free housing loan Punjab 2026. The Punjab Government has made the entire process transparent so applicants can easily monitor progress and stay updated.
📝 Application Review & Verification Process
Once your application is submitted (online or offline), it first enters the Application Review Phase. During this stage, ACAG Punjab authorities carefully examine your provided information and documents. The verification team checks:
- Your PMT (Poverty Means Test) Score
- Monthly Income details
- NADRA CNIC verification
- Punjab residency confirmation
- Land ownership authenticity (plot size & legal status)
This step ensures that only genuine, deserving, and eligible families continue in the program. If there is any mistake or missing information, your application may be flagged for correction or rejected.
🎟️ Shortlisting & Balloting Process
Once your details are successfully verified, your name moves forward for the shortlisting and balloting phase. In areas where the number of applications is greater than the available quota, a fair computerized balloting system is used.
Important note:
The Apni Chhat Apna Ghar PMT Score Check plays a key role in this stage. Applicants with PMT score 60 or below have a stronger chance of qualification because the program is designed to support low-income families.
If selected, your name appears in the ACAG Selected Candidates List 2026, and you officially qualify for the next step.
💰 Loan Disbursement & Construction Support
After your name is successfully shortlisted, the financial phase begins. Partner banks and government financial authorities manage this part carefully to maintain transparency and accountability.
- Your interest-free housing loan is approved
- Construction funds are released in installments / phases
- Payments are linked with construction progress
- Monitoring teams ensure the loan is used for the house only
This phased disbursement helps families build their homes step-by-step without financial burden and ensures proper utilization of government support.
✅ How to Check Apni Chhat Apna Ghar Status (2026)
Applicants can track their application status by:
- Visiting acag.punjab.gov.pk
- Opening the Status Check / Track Application section
- Entering CNIC or Application Number
- Viewing live updates such as:
✔ Application Submitted
✔ Under Review
✔ Verified
✔ Shortlisted / Balloted
✔ Approved
✔ Rejected (if ineligible)
This digital system keeps the process clear, transparent, and scam-free.
How to Check the ACAG Application Status?
ACAG Application Status Check (2026 Guide)
After completing your Apni Chhat Apna Ghar (ACAG) 2026 application, it is very important to keep checking your status regularly to know whether your application is approved, under review, shortlisted, or rejected. The Punjab Government has introduced a simple online status checking system, allowing applicants to track every stage of their case without visiting offices or waiting in long queues.
✅ Step 1: Visit the Official ACAG Portal
Open your mobile or computer browser and go to:
👉 acag.punjab.gov.pk
Always make sure you are visiting the official Punjab Government website. Do not rely on fake or third-party websites.
✅ Step 2: Login to Your Account
Once the website opens:
- Click on “Login / Track Application”
- Enter your CNIC number
- Enter your password
- Complete verification (if required)
- Click Login
This will take you to your personal ACAG dashboard.
✅ Step 3: View Your Application Status
After logging in, you will see your application dashboard where your complete status will be displayed. Here, you can clearly view:
- ✔ Application Submitted
- ✔ Under Review / Screening
- ✔ Verification in Progress
- ✔ PMT Score Checked
- ✔ Shortlisted / Balloted
- ✔ Approved for Loan
- ❌ Rejected (if ineligible)
You may also see next steps, such as document submission reminders, verification notices, or bank processing updates. This makes the Apni Chhat Apna Ghar Status Check 2026 completely transparent and user-friendly.
📢 Important Tip
Keep checking your ACAG account regularly to stay updated about:
- Verification updates
- Balloting results
- Approval notifications
- Loan processing messages
This ensures you never miss any important announcement under the Punjab Housing Scheme 2026.
Apni Chhat Apna Ghar Loan Details
Apni Chhat Apna Ghar Loan Details (2026 Guide)
One of the biggest strengths of the Apni Chhat Apna Ghar (ACAG) Program 2026 is its interest-free financial assistance, making it far more affordable and accessible compared to traditional bank loans. Instead of charging heavy interest, the Punjab Government supports deserving families with easy construction funding so they can finally build a safe, permanent, and dignified home for their families.
✅ Loan Amount – How Much Financial Support Can You Get?
Eligible applicants under the ACAG Punjab Housing Scheme 2026 can receive financial assistance of up to:
👉 PKR 1.5 Million (15 Lakh)
This amount is provided exclusively for home construction and building support. The final approved loan amount depends on multiple factors, including:
- Size of the land / plot
- Type of house construction
- Single-storey house
- Double-storey house
- Estimated building material cost
- Labour and development expenses
- Government assessment & technical survey
In some cases, instead of full cash disbursement, the government may also provide:
- Building materials
- Technical engineering support
- Construction guidance
This ensures transparency, prevents misuse, and guarantees that the loan is truly used for home building purposes only.
🕒 Repayment Period – Easy & Flexible
The Apni Chhat Apna Ghar Loan 2026 comes with a very comfortable repayment duration. Applicants are given:
👉 7 Years Repayment Time
- No interest (100% interest-free)
- No hidden charges
- No extra fees
This long repayment period helps low-income and middle-income families manage their finances easily without feeling burdened.
📆 Monthly Installment Structure (2026)
The installment plan is designed according to the financial capacity of deserving families. On average, the estimated installments are as follows:
| Loan Amount | Estimated Monthly Installment | Repayment Duration |
|---|---|---|
| PKR 500,000 | PKR 8,000 – PKR 12,000 | 7 Years |
| PKR 1,000,000 | PKR 14,000 – PKR 18,000 | 7 Years |
| PKR 1,500,000 | PKR 20,000 – PKR 26,000 | 7 Years |
Note: Final installment amounts may slightly vary depending on:
- Construction phase
- Disbursement plan
- Bank or ACAG authority policy
- Financial evaluation of applicant
However, the structure always remains interest-free and family-friendly.
⚠️ What If Someone Fails to Pay on Time?
The Punjab Government understands the financial realities of low-income families, so the policy is supportive rather than harsh.
✔ Grace Periods Are Usually Provided
If a family misses installments due to genuine financial difficulty, grace time is normally allowed.
❌ Continuous Non-Payment Consequences
However, continuous failure to repay may result in:
- Stopping future installments
- Withholding remaining loan amount
- Delay in NOC / completion approval
This is done to maintain transparency and discipline in the ACAG Punjab Housing Program 2026.
Frequently Asked Questions (FAQs) – Apni Chhat Apna Ghar Registration:
Is there any helpline for assistance?
Yes, you can contact the official ACAG support center through the helpline number provided on their website.uestions
What is Apni Chhat Apna Ghar Scheme?
It is a Punjab Government housing scheme that provides interest-free or low-cost loans to low and middle-income families for building or purchasing homes.
Who can apply for this scheme?
Any Pakistani citizen living in Punjab with a valid CNIC, a stable income source, and who does not already own a proper house can apply.
Is online registration mandatory?
Yes, online registration is preferred, but offline registration is also available at ACAG facilitation centers.
What is the official website for registration?
The official website is acag.punjab.gov.pk.
What documents are required?
CNIC, income proof, PMT scorecard or BISP registration, property documents (if any), and recent utility bills.
Can I apply without a PMT score?
No, PMT score is necessary as it helps determine your eligibility based on your poverty level.
How do I check my PMT score?
You can visit the nearest BISP Tehsil Office or send your CNIC to 8171 to check eligibility.
Can government employees apply?
Yes, if their income falls within the eligibility criteria set by ACAG.
Can widows or divorced women apply?
Yes, special preference is given to widows, orphans, and female-headed households.
Is there any registration fee?
No, registration is completely free. Avoid paying anyone for form submission.
What happens after submitting the application?
Your information goes through verification, and shortlisted applicants are contacted for further processing.
How will I know if I am selected?
You will be notified via SMS, email, or through the online portal under the “Application Status” section
Can I edit my application after submission?
No, once submitted, you cannot edit. However, you can reapply if the correction window opens.
How much loan amount will be provided?
The loan amount varies based on your income and housing requirement — usually between Rs. 500,000 to Rs. 3 million.
Is the loan interest-free?
Yes, in most cases it is interest-free or very low-markup depending on category and income level.
What if I don’t own land?
You can still apply for apartment or government-provided plots, depending on availability.
Can I apply on someone else’s CNIC?
No, only self-owned CNIC holders can apply.
How long does the approval process take?
The verification and approval process may take 1 to 3 months, depending on your eligibility.
What happens if my application is rejected?
You can apply again in the next phase or submit missing documents if requested
ACAG Complaints Portal and Support
ACAG Complaint Portal
The Apni Chhat Apna Ghar (ACAG) Scheme 2026 provides a complete and transparent support system for applicants who face any kind of difficulty during registration, verification, loan approval, or status checking. To help citizens resolve their issues easily, the Punjab Government has launched an official ACAG Complaints Portal, where applicants can submit their concerns online without visiting offices or standing in queues.
Through this ACAG Complaint Portal, users can report problems such as delayed verification, incorrect PMT score updates, loan processing delays, technical portal errors, documentation issues, or application status not updating. The system is designed to ensure fairness, transparency, and quick responses so that every deserving applicant receives support and justice under the Punjab Housing Scheme 2026.
To file a complaint, applicants simply need to visit acag.punjab.gov.pk, open the “Complaints / Support” section, and fill out the complaint form with their CNIC, contact details, and issue description. Supporting documents or screenshots can also be attached if needed. After submission, a complaint reference number is issued so applicants can track the progress of their case until it is resolved.
Apart from the online complaint portal, applicants can also receive help from ACAG Facilitation Centers, District Housing Support Offices, and the official ACAG helpline available on the website. This multi-support system ensures that every applicant receives guidance, assistance, and timely resolution, making the Apni Chhat Apna Ghar Program 2026 more citizen-friendly, transparent, and reliable.
Conclusion – Apni Chat Apna Ghar scheme
The Apni Chhat Apna Ghar (ACAG) Scheme 2026 is a life-changing opportunity for low-income and middle-income families in Punjab who dream of owning a safe and permanent home. With its interest-free housing loans, simple eligibility criteria, transparent verification system, and flexible repayment options, the scheme makes home ownership possible even for families who previously could not afford it. By completing your registration properly, submitting genuine documents, and fulfilling the eligibility requirements, you can take a strong step toward building your own house and securing your family’s future.
Applicants are strongly advised to stay updated with the latest announcements, including registration deadlines, verification updates, balloting news, and loan approval details. Make sure to apply on time and avoid delays, because only applications submitted before the official deadline will be processed.
For authentic information, online registration, complaints, and application status tracking, always visit the official ACAG Punjab website: acag.punjab.gov.pk. The Apni Chhat Apna Ghar Scheme 2026 is not just a housing project — it is a government initiative to provide dignity, shelter, and stability to deserving families across Punjab.