What Documents Are Required for ACAG Punjab Scheme 2026? (Complete Document Guide)

The Apni Chhat Apna Ghar (ACAG) ACAG Punjab Scheme 2026 is one of the most important initiatives launched to support low-income and deserving families in Punjab. To maintain transparency and fairness, the government has introduced a clear verification and approval process. For that purpose, every applicant must submit correct and verified documents during registration.

Providing proper documents helps the government:

✔ Confirm identity
✔ Verify eligibility
✔ Check income level
✔ Confirm land ownership
✔ Avoid fraud or fake applications

If applicants submit incomplete or incorrect documents, their application may get delayed or rejected. That is why it is very important to know exactly what documents are required for the ACAG Punjab Scheme 2026 before applying.

✅ Complete List of Documents Required for ACAG Punjab Scheme 2026

Applicants need to provide the following essential documents for successful registration and verification under the Apni Chhat Apna Ghar Scheme 2026.

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1️⃣ Valid CNIC (Computerized National Identity Card)

The most basic and mandatory document is:

👉 Applicant’s CNIC

You must provide:

• CNIC Front Copy
• CNIC Back Copy

This document proves:
✔ Identity
✔ Age
✔ Nationality
✔ Authenticity

CNIC must be valid and updated. Expired CNIC may lead to rejection or verification delay.

2️⃣ Punjab Residency Proof

Since this scheme is specifically for Punjab residents, applicants must provide proof of residence.

This can include:

• Address on CNIC
• Domicile Certificate
• Utility Bill of Punjab Address (optional in some cases)

This ensures that the scheme supports genuine Punjab citizens only.

3️⃣ NADRA Family Registration Certificate (FRC) – Optional but Helpful

In many cases, applicants are asked to provide:

👉 Family Registration Certificate (FRC)

This helps authorities verify:
✔ Family members
✔ Family structure
✔ Family responsibility

This is especially useful in cases where priority families are applying such as widows, orphans, or female-headed families.

4️⃣ Land Ownership Documents (Most Important Requirement)

Since the ACAG Punjab Scheme provides construction and housing loan, applicants must already own land.

Required Land Documents include:

• Registry / Fard / Land Ownership Paper
• Property Number or Khasra Number
• Land Location Details
• Size of Plot Verification

Eligibility Based on Land Size

• Urban Areas: 1 to 5 Marla
• Rural Areas: 1 to 10 Marla

Land must be:
✔ Legally registered
✔ Free from major disputes
✔ Located within Punjab
✔ Suitable for construction

Without proper land documents, the application cannot be approved.

5️⃣ Income Proof (If Available)

Since ACAG 2026 targets low-income and deserving families, income proof plays an important role in verification.

Accepted Income Documents include:

• Salary Slip
• Income Certificate
• Business Income Proof
• Employer Letter
• Self-declaration (in some cases)

Income proof helps authorities confirm that the applicant truly needs financial support.

6️⃣ PMT Score or BISP Registration Proof

One of the most important eligibility requirements is:

👉 PMT Score 60 or Below

To verify this, applicants may provide:

• PMT Score Record
• Benazir Income Support Programme (BISP) Record
• 8171 Eligibility Proof

This document confirms poverty status and ensures that the scheme benefits deserving families only.

Check Also: House Ownership Procedure for Female Applicants – Complete Guide

7️⃣ Photographs

Applicants may also be required to upload or submit:

✔ Recent Passport Size Photograph

This is important for identification, verification records, and application processing.

8️⃣ Mobile Number Registered on Applicant’s CNIC

For online registration, applicants must provide an active mobile number registered in their own CNIC.

This is important because:
✔ OTP verification is required
✔ SMS notifications are sent
✔ Application status updates are shared

If the SIM is registered on someone else’s CNIC, verification may fail.

9️⃣ Additional Supporting Documents (If Required)

Some applicants may fall under special categories. In such cases, they may provide:

For Widows

• Husband’s Death Certificate

For Disabled Applicants

• Disability Certificate

For Orphans

• Guardian Proof
• NADRA Records

For Government Verification Cases

• Affidavit if required
• Additional official verification letters if demanded

These documents strengthen eligibility and increase approval chances.

📝 Documents Required for Online ACAG Registration 2026

If applying online at acag.punjab.gov.pk, applicants must upload digital copies of:

✔ CNIC Front + Back
✔ Land Ownership Papers
✔ Income Proof (if available)
✔ PMT / BISP Record
✔ Photograph

All images must be:

• Clear
• Readable
• Original
• Not blurred

Uploading unclear photos may delay or reject your application.

🏢 Documents Required for Offline Registration

If applying through:

✔ ACAG Facilitation Centers
✔ District Housing Offices
✔ Authorized Bank Branches

You must carry:

📌 Photocopies of:

• CNIC
• Land Papers
• Income Proof
• PMT Record

📌 Along with Originals for Verification

Staff will scan and upload them for you.

🔍 How Government Verifies These Documents?

Once documents are submitted, they go through multiple verification stages:

1️⃣ CNIC Verification through NADRA
2️⃣ Punjab Residency Confirmation
3️⃣ PMT Score Checking
4️⃣ Land Ownership Verification
5️⃣ Financial Eligibility Review

In some cases, physical inspection teams may also visit the land to verify authenticity.

Check Also: Punjab Workers Free Housing Scheme 2026 – 720 Flats Ready, New 1,872 Approved

❌ Common Mistakes in Submitting Documents

Many applications get rejected because of:

❌ Fake documents
❌ Blurred document images
❌ Incorrect information
❌ Incomplete papers
❌ Mismatched details

Always submit genuine and correct documents to avoid rejection.

⭐ Why Document Verification Is Necessary?

Document verification ensures:

✔ Fairness
✔ Transparency
✔ No political influence
✔ No corruption
✔ Support reaches real deserving families

This makes the scheme trustworthy and citizen-friendly.

Check Also: How to Apply Online for Apni Chhat Apna Ghar Program 2026? (Complete Registration Guide)

Conclusion – ACAG Punjab Scheme 2026

The Apni Chhat Apna Ghar (ACAG) Punjab Housing Scheme 2026 requires applicants to submit valid CNIC, Punjab residency proof, land ownership papers, income proof, PMT score record, and supporting documents to prove eligibility. Preparing these documents in advance increases your chances of smooth verification and loan approval.

If you are a deserving family and fulfill the eligibility criteria, arrange your documents properly, apply carefully, and stay updated with official ACAG announcements to successfully benefit from this life-changing housing initiative.