The Apni Chhat Apna Ghar (ACAG) housing scheme has become a major highlight for home-seekers in Punjab in January 2026. The Punjab government is rolling out balloting results district by district, keeping thousands of applicants on alert as their dream of homeownership gets closer to reality.
This article brings you the latest balloting updates, result dates, benefits, eligibility criteria, and step-by-step guidance to help you stay ahead in 2026.
📢 What’s Happening in January 2026?
Unlike a one-day announcement, the Apni Chhat Apna Ghar results are being revealed in phases throughout January 2026. Authorities are updating lists separately for districts like Kasur, Faisalabad, Sargodha, Jhelum, and others.
This phased approach ensures that document verification is thorough — and brings more deserving families into the housing program as the months progress.
Why It Matters
For applicants who registered earlier, this is the most crucial moment. Regular checks on the official portal help you stay updated and avoid missing announcements.
🏠 What Is Apni Chhat Apna Ghar?
Launched by the Punjab government, the Apni Chhat Apna Ghar scheme provides interest-free or low-cost housing loans so eligible residents can build or improve their own homes.
It’s part of a broader strategy to boost homeownership among low and middle-income families, aligned with the government’s “Housing for All” vision.
✅ Eligibility — Who Can Apply?
To qualify for the Apni Chhat Apna Ghar program in 2026, applicants generally must meet these requirements:
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🪪 Permanent resident of Punjab with a valid CNIC
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🏘️ Land ownership: Up to 5 marlas (urban) or 10 marlas (rural)
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📊 PMT score ≤ 60 (verified through NSER)
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💰 Not a bank defaulter and no criminal record
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🏡 Priority given to first-time homebuilders
Applicants for the balloting result must keep CNIC and login details ready for checking the status online.
📋 Benefits of the Scheme
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💸 Interest-free or subsidized housing loans
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🏠 Affordable monthly instalments
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📲 Transparent online registration and status tracking
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🧑🤝🧑 Priority for low-income and deserving families
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📍 Coverage across many districts of Punjab
This program has already helped tens of thousands of households move closer to owning a home. In January 2026 alone, over 64,000 homes have been completed and more than 121,000 loan installments have been issued under the initiative.
📲 How to Check Your Balloting Result Online
Follow these simple steps to find your ACAG status:
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Visit acag.punjab.gov.pk
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Enter your CNIC number and password
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Open Balloting Result or Application Status
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See if your name appears as Selected, Under Verification, or Pending
👉 Even if you haven’t received an SMS, your status will still show online.
📌 What If Your Name Doesn’t Show Yet?
Don’t worry — results are released in multiple rounds. If your application status shows Under Verification or Pending, it means you’ll likely be considered in upcoming balloting phases through mid-2026.
🏆 Final Take
The Apni Chhat Apna Ghar scheme is one of the most promising housing initiatives in Pakistan right now, and January 2026 is a milestone month for results and progress. Stay consistent in checking the official portal and keep your documents updated to improve your chances of selection.
❓ FAQs
1. When are the ACAG balloting results announced?
Results are released in phases throughout January 2026 on the official portal.
2. How can I check my result?
Visit acag.punjab.gov.pk, log in with CNIC and check the Balloting Result section.
3. I didn’t get SMS — am I rejected?
No. SMS isn’t mandatory — always verify status online.
4. What if my name is under verification?
Your application will be considered in upcoming rounds.
5. Who qualifies for this Apni Chhat Apna Ghar scheme?
Permanent Punjab residents with valid CNIC, PMT score ≤60, and specific land criteria.
