The Apni Chhat Apna Ghar (ACAG) balloting result 2026 is being released in phases district by district throughout January,March 2026 on the official portal at acag.punjab.gov.pk. In January 2026 alone, over 64,000 homes were completed and more than 121,000 loan installments were issued under the initiative.
Launched by Chief Minister Maryam Nawaz Sharif, the ACAG scheme provides an interest-free loan of up to Rs. 1,500,000 to low-income Punjab families who own land but cannot afford to build. With 1.88 million registrations and results rolling out weekly, this guide tells you exactly how to check your ACAG ballot result by CNIC, understand your status, and take your next step toward owning your home.
ACAG Scheme , Quick Reference 2026
| Detail | Information |
| Full Name | Apni Chhat Apna Ghar (ACAG) Program |
| Launched By | CM Punjab Maryam Nawaz Sharif |
| Executing Body | Punjab Housing & Town Planning Agency (PHATA) |
| Official Portal | acag.punjab.gov.pk |
| Helpline | 0800-09100 (Toll-Free) |
| Maximum Loan | Rs. 1,500,000 (Rs. 15 Lakh) |
| Loan Type | Interest-Free (0% markup) |
| Repayment Period | 7 years (monthly installments) |
| Monthly Installment | Rs. 14,000/month |
| Total Registrations | 1.88 million+ |
| Target Housing Units | 160,000 homes by June 2026 |
| Balloting Method | Computerized, transparent digital draw |
Latest ACAG Balloting Result Update , March 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.
The most important update for applicants still waiting:
- ✅ Results are ongoing , new balloting rounds are being conducted through mid-2026
- ✅ 5th CM Approval balloting has been completed with results uploaded for all 46 districts
- ✅ With over 1.88 million registrations and a target of 160,000 homes by June 2026, the ACAG program is moving into its most critical phase
- ✅ Under Verification or Pending status means your application will be considered in upcoming rounds
- ✅ Loan disbursement is released in tranches based on construction stage , not as a lump sum
How to Check ACAG Balloting Result by CNIC , Step by Step
The official portal for all ACAG activities is the Punjab Housing and Town Planning Agency (PHATA) website. Checking your result is completely free and takes under 2 minutes:
- Open your browser on mobile or computer
- Visit the official portal → acag.punjab.gov.pk
- Click “Login” , enter your registered CNIC and password
- Navigate to “Balloting Result” or “Application Status” section
- Your current status appears on screen instantly
- Download your result PDF if selected , save for your records
Forgot your password? Click “Forgot Password” on the portal login page. Reset via OTP sent to your registered mobile number. Alternatively call the helpline: 0800-09100.
How to Find Your District’s Ballot Result PDF
- Visit acag.punjab.gov.pk
- Click on “Balloting Results” in the main menu
- A list of 46 districts will appear on screen
- Click your district name
- A PDF file opens , this is your district’s official ACAG Ballot Result List
- Use Ctrl+F (or mobile search) to find your name or CNIC in the document
What Your ACAG Application Status Means
| Status Shown | Meaning | Your Next Action |
| Verified / Approved | Eligibility confirmed , moved to balloting phase | Wait for balloting SMS or check portal |
| Selected for Ballot | Your name drawn in computerized ballot | You will receive official SMS , visit PHATA office |
| Loan Disbursed | Tranche released , construction can begin | Begin construction per approved plan |
| Under Verification | NADRA, PLRA, NSER checks in progress | Wait 7,30 days , no action needed |
| Action Required | Document discrepancy found | Re-upload documents immediately via portal |
| Pending | Application received , in queue | Will be considered in next balloting round |
| Rejected | PMT above 60, plot size exceeded, or defaulter record | Check rejection reason on portal, contact helpline |
If your application status shows Under Verification or Pending, it means you’ll likely be considered in upcoming balloting phases through mid-2026.
ACAG Eligibility Criteria 2026 , Who Qualifies?
To ensure transparency and fairness, the government has established strict eligibility rules.
You ARE eligible if:
- ✅ You are a permanent resident of Punjab , CNIC must show a Punjab address
- ✅ You are head of the family as per NADRA records
- ✅ You own a residential plot up to 5 marlas in an urban area or up to 10 marlas in a rural area
- ✅ Your NSER PMT score is 60 or below , verified through National Socio-Economic Registry
- ✅ You have a valid CNIC registered with NADRA
- ✅ Your SIM is registered in your own name for SMS alerts
- ✅ You are not a bank defaulter on any loan or financial obligation
- ✅ You have a clean criminal record , no anti-state activities
You are NOT eligible if:
- ❌ Your plot exceeds 5 marlas (urban) or 10 marlas (rural)
- ❌ Your PMT score is above 60
- ❌ You are a defaulter of any bank or financial institution
- ❌ Your CNIC address is outside Punjab
- ❌ You already received a housing loan under any previous government scheme
- ❌ You or any family member already owns a completed house
Documents Required for ACAG 2026
Have these documents ready before or during registration , uploading clearly scanned copies speeds up verification considerably:
| Document | Details |
| Original CNIC | Front and back , clear, readable scan |
| Land Ownership Proof | Fard (rural) or Registry/Allotment Letter/Possession Letter (urban) |
| Spouse’s CNIC | If married , for household verification |
| Income Proof | Payslips, business certificate, or declaration of income |
| Family Registration Certificate (FRC) | Issued by NADRA , confirms family details |
| Utility Bill | Proof of current residential address |
| Rs. 200 Affidavit | Sworn statement of no property ownership |
| Bank Statement (6 months) | Shows repayment capacity , only for some applicants |
| Passport-Size Photo | Recent, clear background |
| Police Clearance Certificate | Required during final verification stage |
How the ACAG Loan Works , Disbursement in Tranches
The loan of PKR 1.5 million is released in tranches based on the construction stage , foundation, structure, and finishing. The repayment schedule is 7 years, with monthly installments around PKR 14,000 , often less than typical rent. The scheme is strictly interest-free , only the principal is repaid. No processing fees or bank markups.
Loan Disbursement Structure
| Construction Stage | Tranche Released | Cumulative Total |
| Foundation Complete | Tranche 1 | First portion released |
| Structure (Walls) Complete | Tranche 2 | Second portion released |
| Finishing (Roof/Plaster) | Tranche 3 | Final portion released |
| Total Loan | , | Rs. 1,500,000 |
The staged disbursement ensures funds are used strictly for construction , PHATA inspection teams verify each stage before releasing the next tranche.
ACAG vs AZAG , Understanding Both Schemes
Many applicants confuse these two sister programs. Here is the key difference:
| Feature | ACAG (Apni Chhat Apna Ghar) | AZAG (Apni Zameen Apna Ghar) |
| For Who | Families who own land but can’t build | Families who don’t own land at all |
| What You Get | Interest-free construction loan Rs. 15 lakh | Free 3-marla plot + ACAG loan eligibility |
| Official Portal | acag.punjab.gov.pk | azag.punjab.gov.pk |
| Phase 1 Target | 160,000 homes by June 2026 | 2,000 plots across 19 districts |
| Launched | 2024 (ongoing in 2026) | May 3, 2025 |
| Balloting Done | Phased , district by district | Computerized draw done: 26 Nov 2025 |
Beneficiaries of AZAG will not only receive ownership of land but can also access interest-free construction loans under the Apni Chhat Apna Ghar (ACAG) Program to build homes on their plots. This means AZAG winners can apply for ACAG loans immediately after receiving their plots , combining both schemes for a complete housing solution.
ACAG Three Execution Models , 2026
The Apni Chhat Apna Ghar scheme is designed on three execution models:
| Model | Description | Target Units |
| Model 1 (Equity) | PHATA + private developers build on state land; developers handle infrastructure and roads | ~10,000 units |
| Model 2 (Revolving Fund) | Interest-free loans for self-construction by plot owners; funds replenished by repayments | ~70,000 units |
| Model 3 (Apartments) | Government-built apartment blocks for ultra-low-income families; price fixed by PHATA | Remaining units |
The revolving fund model (Model 2) is the most impactful , as each beneficiary repays their Rs. 14,000/month installment, those funds are recycled to finance the next family’s construction loan, creating a self-sustaining housing finance system.
How to Register , For Applicants Who Have Not Yet Applied
If you have not yet applied, registrations are still being accepted. There is no official announcement about the ACAG last date , you can still apply by following the registration procedure.
Online Registration Steps:
- Visit → acag.punjab.gov.pk
- Click “Register” , enter CNIC, mobile number, and email
- Verify OTP sent to your registered mobile SIM
- Fill the application form , personal info, plot details, household income, employment status
- Upload documents , CNIC, land ownership proof, photo
- Enter spouse details if married
- Submit the form , save your login credentials securely
Offline Registration (if no internet):
- Call the toll-free helpline: 0800-09100 , a representative will assist with registration
- Visit any e-Khidmat Markaz or PHATA district office with original documents
- Visit nearest PITB help desk in your district
Common Errors and How to Fix Them
| Error Message | Cause | Solution |
| PMT Record Not Found | Not registered in NSER database | Visit nearest NSER office for registration and re-submit |
| Plot Size Exceeds Limit | Plot is more than 5 marlas (urban) or 10 marlas (rural) | Not eligible , consider AZAG if you don’t own land |
| CNIC Mismatch | Data in NADRA doesn’t match application | Update CNIC at NADRA first |
| Under Verification (4+ weeks) | Multi-department check taking longer , especially rural land records | Call 0800-09100 for manual status update |
| Action Required | Documents unclear or missing | Re-upload higher-quality scans via portal immediately |
| Password Forgotten | , | Use “Forgot Password” , reset via registered mobile OTP |
Frequently Asked Questions (FAQs)
Q: What is the latest ACAG balloting result update for 2026? Results are released in phases throughout January 2026 on the official portal acag.punjab.gov.pk. The 5th CM Approval ballot has been completed covering all 46 districts. New rounds of balloting continue through mid-2026 for applicants still in pending or under-verification status.
Q: How do I check my ACAG balloting result by CNIC online? Visit acag.punjab.gov.pk, log in with your CNIC and password, and go to the Balloting Result or Application Status section. Your current status and result appear instantly. You can also download your district’s PDF result list from the Balloting Results page.
Q: What is the loan amount under the Apni Chhat Apna Ghar scheme? The maximum loan is PKR 1.5 million (Rs. 15 lakh), repayable over 7 years with monthly installments of approximately Rs. 14,000. The loan is strictly interest-free , only the principal is repaid with no processing fees or bank markups.
Q: I did not receive an SMS , does that mean I am rejected? No. SMS isn’t mandatory , always verify status online. Log in to acag.punjab.gov.pk directly and check your Application Status section. Many selected applicants check their result online before receiving SMS due to network delays.
Q: What is the PMT score requirement for ACAG 2026? To remain eligible for the interest-free loan, your NSER Proxy Means Test (PMT) score must be 60 or below. If your score is above 60, your application will be rejected , visit the nearest NSER office to update your socio-economic data if you believe the score is incorrect.
Q: What is the difference between ACAG and AZAG? ACAG (Apni Chhat Apna Ghar) is for families who already own land and need a construction loan. AZAG (Apni Zameen Apna Ghar) is for families who do not own land and need a free 3-marla plot. AZAG beneficiaries can also access ACAG construction loans to build homes on their plots.
Q: How is the ACAG loan disbursed? The Rs. 1.5 million loan is not given all at once. It is released in three tranches , after foundation completion, after structure completion, and after finishing work , verified by PHATA inspection teams before each release.
Q: What is the ACAG toll-free helpline? The official ACAG helpline is 0800-09100 , available to assist with registration, document issues, status queries, and password resets. It is toll-free on all Pakistani networks.
Final Thoughts
The Apni Chhat Apna Ghar balloting result 2026 is one of the most awaited announcements for hundreds of thousands of low-income families across Punjab. With results being rolled out district by district and new balloting rounds continuing through mid-2026, every applicant still has a genuine chance at an interest-free Rs. 15 lakh construction loan with manageable Rs. 14,000 monthly installments.
Using the official portal at acag.punjab.gov.pk, you can track your application status using your CNIC , whether you have a 10-marla plot in a village or a 5-marla plot in a city, this interest-free loan can transform your life.
Check your status today, keep your documents updated, and call 0800-09100 if you need any help.
Official Portals:
- ACAG Portal: acag.punjab.gov.pk
- AZAG Portal: azag.punjab.gov.pk
- PHATA: phata.punjab.gov.pk
- Helpline: 0800-09100 (Toll-Free)
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