The Apni Chhat Apna Ghar scheme is one of Punjab’s most talked-about housing initiatives in 2026. Thousands of families who applied are now actively searching for a simple way to track their application status. To improve transparency, the Punjab Government has introduced a fully online CNIC-based status check system, making updates faster and easier than ever.
This guide explains everything you need to know — from scheme purpose and eligibility to checking your application status step by step.
What Is Apni Chhat Apna Ghar Scheme?
Apni Chhat Apna Ghar is a flagship housing program launched by the Punjab Government under CM Maryam Nawaz Sharif. The scheme aims to help low-income families build their own homes by providing interest-free construction loans.
Unlike private bank loans, this program is designed for affordability, merit, and transparency. All applications are verified digitally through official government databases.
Key Objectives of the Scheme
The scheme focuses on solving Punjab’s housing crisis by:
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Reducing the housing shortage
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Supporting families who already own small plots
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Offering interest-free financing
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Eliminating middlemen and political influence
The government plans to support thousands of housing units across urban and rural Punjab in phases.
Apni Chhat Apna Ghar Scheme 2026 – Quick Overview
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Maximum Loan: PKR 1.5 Million
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Interest Rate: 0% (Interest-Free)
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Repayment Period: 7 Years
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Monthly Installment: Around PKR 14,000
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Official Portal: acag.punjab.gov.pk
For many families, the monthly installment is lower than average house rent.
Who Is Eligible for the Scheme?
Basic Eligibility Criteria
To qualify, applicants must meet the following conditions:
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Pakistani citizen and permanent resident of Punjab
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CNIC verified through NADRA
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Head of the family (only one loan per household)
Land Ownership Requirement
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Urban areas: Up to 5 marla plot
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Rural areas: Up to 10 marla plot
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Plot must be registered in the applicant’s name
Financial & Legal Checks
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No bank default history
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No criminal record
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Income and PMT score verified digitally
Failure to meet any condition can lead to rejection.
How to Check Apni Chhat Apna Ghar Application Status by CNIC (2026)
The Punjab Government has made the process fully online. There is no SMS service for status checking.
Step-by-Step Method
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Visit acag.punjab.gov.pk
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Click on Login / Candidate Access
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Enter your CNIC (without dashes)
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Enter your registered password
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Open My Applications from the dashboard
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View your current application status
Possible Status Results
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Submitted
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Under Verification
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Approved
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Disbursed
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Rejected (with reason mentioned)
Loan Disbursement & Repayment Process
Once approved, the loan is released in construction stages:
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First installment for foundation
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Second for structure
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Final for finishing work
Repayment is spread over 7 years with no markup or hidden charges.
Common Reasons for Delay or Rejection
Most rejections happen due to:
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CNIC or NADRA data mismatch
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Incorrect land records
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Wrong plot size category
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Duplicate family applications
Checking your dashboard regularly helps you stay informed.
Official Helpline & Support
If verification takes more than four weeks, contact official support:
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Helpline: 0800-09100
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Email: info@acag.punjab.gov.pk
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Office Timings: Monday to Friday, 9 AM – 5 PM
Conclusion
The Apni Chhat Apna Ghar application status check by CNIC 2026 is simple, transparent, and fully digital. If you meet the criteria and have correct documents, this scheme can turn your dream of home ownership into reality.
FAQs
1. How can I check my application status by CNIC?
Log in to acag.punjab.gov.pk using your CNIC and password.
2. Is the loan really interest-free?
Yes, the loan carries 0% markup.
3. What is the maximum loan amount?
Up to PKR 1.5 million.
4. Can I apply without owning land?
No, land ownership is mandatory.
5. How long does verification take?
Usually 2 to 4 weeks.
