Apni Chhat Apna Ghar Status Check 2026 – Loan, Repair & Free Plot Details: this guide explains how to check your Apni Chhat Apna Ghar (ACAG) application status on the official portal, how much loan you can get for building a new house or repairing your home, and what to do if you do not own a plot yet. All facts below are taken from the official portal acag.punjab.gov.pk and Punjab government announcements.
What Is Apni Chhat Apna Ghar?
Apni Chhat Apna Ghar (ACAG) is the Punjab government’s flagship housing programme, launched on 21 August 2024 by Chief Minister Maryam Nawaz Sharif. It is run by the Punjab Housing and Town Planning Agency (PHATA) under the Housing, Urban Development and Public Health Engineering Department, and the portal is operated with the Punjab Information Technology Board (PITB).
The programme gives interest-free loans of up to Rs 1,500,000 (Rs 15 lakh) to eligible Punjab families to build a house on a plot they already own. The Punjab government pays the operating costs, so the borrower pays no interest. The loan is released in stages as construction progresses, not in one lump sum. Selection is through computerised balloting.
By early November 2026, more than 1.7 million people had registered, over 225,000 loans had been disbursed, and 128,718 houses had been completed under the programme. On 5 October 2026, the programme won the UN-Habitat Scroll of Honour.
Apni Chhat Apna Ghar Status Check by CNIC
You can check your application status only on the official portal. Follow these steps:
- Open the official portal acag.punjab.gov.pk and click Login. You can also open the login page directly at acag.punjab.gov.pk/Login.aspx.
- Enter your 13-digit CNIC number without dashes, your password, and the CAPTCHA letters shown on the screen (capital and small letters matter), then click Login. An OTP may be sent to your registered mobile number or email.
- After logging in, open Application Status from your dashboard.
The Application Status page shows your Application ID, your name, your CNIC, your current application status, the Selected MFI (the microfinance institution or bank handling your loan — Akhuwat, Bank of Punjab, NRSP or RCDP), and your loan category.
Forgot your password? On the login page, click Forgot Password, enter your CNIC, and click Get OTP. The code is sent to your registered mobile number and email. The code expires in 30 minutes. Enter the code and set a new password.
If your status shows “No Data Found against this CNIC”, it usually means the CNIC was entered wrong, the form was never submitted, or someone else applied on your behalf. If your status does not change for a long time, visit the ACAG registration desk at your district Deputy Commissioner (DC) office, or call the toll-free helpline 0800-09100.
Checking your status is completely free. Never pay any agent, and never share your OTP or password with anyone.
Important: There Is No SMS Code for Status Check
There is no SMS code and no public CNIC-only page for checking your Apni Chhat Apna Ghar status. You must log in to the portal with your CNIC and password. Some websites wrongly tell people to send their CNIC to 8171 — that code belongs to BISP, not to this housing scheme. Do not send your CNIC to any number for this scheme, and do not trust any website or agent that claims to check your status by SMS.
Always check the address bar before typing your CNIC or password: the only genuine website is acag.punjab.gov.pk. Fake copycat sites exist.
Apni Chhat Apna Ghar Loan Details
| Detail | Main Construction Loan |
|---|---|
| Maximum loan | Rs 1,500,000 (Rs 15 lakh) |
| Interest | 0% — fully interest-free |
| Purpose | Build a new house on a plot you already own |
| Plot limit | Sole owner of up to 5 marla (urban) or 10 marla (rural) |
| Age | 21 to 60 years on the day of submission |
| Repayment period | 7 years |
| Monthly instalment | About Rs 14,000 a month, as announced at launch — confirm your exact schedule with PHATA |
| Grace period | First 3 months — no instalment due |
| Disbursement | In tranches as construction progresses; second tranche needs construction-stage confirmation and 2 photos (front view and progress) |
| Early repayment rebate | 20% rebate on the principal still owed if cleared in years 1–3; 10% in years 4–6 |
| Application fee | Free — no agent, no fee |
| Loan partners (MFIs) | Akhuwat, Bank of Punjab, NRSP, RCDP |
Who Can Apply for the Main Loan?
- Permanent resident of Punjab with a valid CNIC, and head of the family as per NADRA record.
- Sole owner of a plot of up to 5 marla in an urban area or up to 10 marla in a rural area. Joint-family land does not count until it is in your own name; an inherited plot needs mutation first.
- You must not already own a completed house.
- No criminal record, and no unpaid bank loan or default.
- Family data is checked through NADRA and NSER/PSER records.
- A PMT score of 60 or less is commonly stated as a requirement. Note: official pages differ on whether the PMT rule applies to the new-house loan or only to the Mehfooz Chhat repair loan, so confirm it on the portal.
Home Repair Loan – Apni Chhat Mehfooz Chhat
If your house is weak or its roof is unsafe, the same programme has a repair window called Apni Chhat Mehfooz Chhat (“My Roof, Safe Roof”). It was launched on 17 July 2026, after the Kahna (Lahore) roof collapse of 30 June 2026. It has two categories:
| Category | What It Covers | Maximum Loan |
|---|---|---|
| Category 1 | Roof repair or strengthening, or adding one room | Rs 500,000 |
| Category 2 | Adding an extra storey (floor) | Rs 1,000,000 |
Both categories are interest-free, with a repayment period of 9 years — about Rs 4,700 a month for Category 1 and about Rs 9,300 a month for Category 2. The money is released in two instalments. You must already own a house (not an empty plot), be its sole owner, and the house must be up to 5 marla (urban) or 10 marla (rural). Age 21 to 60, Punjab resident, clean record.
Important: the Mehfooz Chhat round has closed. As of November 2026, its application process is complete, with Rs 1.216 billion disbursed to 3,055 applicants. If you already applied, you can still check your status on the same portal at acag.punjab.gov.pk. Do not apply again or pay anyone claiming to reopen it.
Plot Loan – What If You Do Not Own a Plot?
Apni Chhat Apna Ghar does NOT give a loan to buy a plot. The construction loan is only for building on a plot you already own. If you do not own a plot, this loan is not for you — it does not pay for land.
But there is a separate Punjab scheme for people without a plot: Apni Zameen Apna Ghar (AZAG). Under AZAG, the government gives a free 3-marla residential plot outright — you pay nothing for the land — to families who own no land or property anywhere in Pakistan. You must be a permanent Punjab resident and apply in your own district. Allotment is through computerised balloting, phase by phase, district by district. The official portal is azag.punjab.gov.pk. After receiving the plot, the family becomes eligible for the same Rs 1.5 million interest-free ACAG construction loan.
Note: the federal “Mera Ghar Mera Ashiana” scheme (State Bank and banks, 5% fixed for 10 years, up to Rs 1 crore) does cover buying a plot, but it is a federal scheme, not the Punjab ACAG programme.
Latest News – November 2026
- 19 October 2026: the Punjab Cabinet approved Rs 60 billion for 40,000 more Apni Chhat Apna Ghar loans through the Bank of Punjab (about Rs 1.5 million each). The Chief Minister also rejected a proposal to levy stamp duty on these loans.
- 3 November 2026: the Chief Minister approved inviting fresh applications for the next round. The meeting was told that more than 1.7 million people have registered, over 225,000 loans have been disbursed, 128,718 houses are completed, and about 62,600 more are nearing completion.
- No opening date has been announced yet for the new round of applications. Do not believe anyone who claims applications are open now — check the official portal acag.punjab.gov.pk for the announcement.
- 5 October 2026: the programme won the UN-Habitat Scroll of Honour.
How to Apply
New applications for the next round are not open yet — the Chief Minister approved inviting them on 3 November 2026, but no date has been announced. When the window opens, registration is free and online only, through acag.punjab.gov.pk. You create an account with your CNIC and a mobile number in your own name, verify it with the SMS code sent to that number, set a password, and then choose your loan — “Apply for Construction of New House” or “Apply for Addition of New Floor/Room”. Your name, CNIC and mobile number cannot be changed after registration, so enter them carefully.
Do not apply through any third-party website, app or agent. Applications submitted anywhere other than the official portal are not recognised and put your data at risk.
Official Links and Helpline
- Official portal (status check and applications): acag.punjab.gov.pk
- Free plot scheme (AZAG): azag.punjab.gov.pk
- Helpline (toll-free): 0800-09100
- PHATA office: 042-99213419, 042-99213428 — Email: info@phata.punjab.gov.pk
- Help is also available at DC/AC offices, PHATA desks and e-Khidmat Markaz.
FAQs – Apni Chhat Apna Ghar Status Check 2026
How can I check my Apni Chhat Apna Ghar status by CNIC?
Log in at acag.punjab.gov.pk with your 13-digit CNIC (no dashes), your password and the CAPTCHA, then open Application Status on your dashboard. It shows your Application ID, current status, Selected MFI and loan category.
Is there an SMS code to check the status?
No. There is no SMS code and no public CNIC-only page for this scheme. The 8171 code belongs to BISP, not to Apni Chhat Apna Ghar.
Can I get a loan to buy a plot under this scheme?
No. ACAG does not lend money to buy a plot. If you own no plot, the separate Apni Zameen Apna Ghar (AZAG) scheme gives a free 3-marla plot, after which you become eligible for the ACAG construction loan.
Is the Mehfooz Chhat repair loan still open?
No. The Mehfooz Chhat round closed in November 2026, with Rs 1.216 billion disbursed to 3,055 applicants. Existing applicants can still check their status on the portal.
When will new applications open?
The Chief Minister approved inviting fresh applications on 3 November 2026, but no opening date has been announced yet. Check acag.punjab.gov.pk for the announcement.
What is the monthly instalment for the Rs 1.5 million loan?
About Rs 14,000 a month, as announced at launch, with a 3-month grace period. Confirm your exact repayment schedule with PHATA, as the announced figure and a straight division of the loan amount do not match exactly.
Conclusion
Apni Chhat Apna Ghar is Punjab’s biggest interest-free housing programme — up to Rs 1.5 million to build on your own plot, plus the Mehfooz Chhat repair loan of up to Rs 500,000 or Rs 1 million, and the separate AZAG free 3-marla plot for families who own no land. Check your status only on the official portal acag.punjab.gov.pk with your CNIC and password, never by SMS, and never pay an agent. With 40,000 more loans approved in October 2026, the next application window is the one to watch — keep checking the portal for its opening date.
