ACAG Scheme Status Check by CNIC
The Apni Chhat Apna Ghar (ACAG) Scheme 2026 is now at a crucial stage as the Punjab Government begins announcing balloting results for selected districts. Thousands of applicants who applied for interest-free housing loans or government-supported homes are checking their status online using their CNIC. This guide explains how to check ACAG status, understand application labels, follow the latest balloting updates, and fix incomplete applications securely.
Table of Contents
Read also: Punjab Announces 100,000 Electric Bikes for Students
| Feature | Details |
|---|---|
| Scheme Name | Apni Chhat Apna Ghar (ACAG) |
| Status Check | Online & SMS |
| Official Website | acag.punjab.gov.pk |
| Helpline | 0800-09100 |
| Loan Limit | Up to PKR 1.5 million |
| Installment | Approx. PKR 14,000/month |
| Grace Period | 3 months after approval |
| Balloting Status | Selected, Pending, Rejected, Incomplete |
What Is the ACAG Scheme?
- heading: Short explanation like this
The ACAG Scheme provides interest-free loans and government-supported houses to eligible low and middle-income families in Punjab. It targets applicants with verified land or plots and aims to make homeownership accessible.
Latest Update on Apni Chhat Apna Ghar Scheme – January 2026
- Balloting results have begun across multiple districts.
- Loan limit increased to PKR 1.5 million (interest-free).
- Monthly installments defined at approx. PKR 14,000.
- Grace period of 3 months before repayment begins.
- Official SMS alerts are now sent via 8070 and PunjabGovt.
How to Check ACAG Application Status by CNIC 2026
Applicants can check their status using three official methods:
- Official Portal Method (Recommended)
- Visit: acag.punjab.gov.pk
- Log in using your 13-digit CNIC and password.
- Click Application Status or Dashboard to see: Submitted, Verified, Selected, Rejected, or Incomplete.
- Balloting Result Check
- Visit the portal, select Ballot Results.
- Enter your CNIC.
- System shows whether selected, not selected, or still under review.
- Toll-Free Helpline
- Call 0800-09100.
- Provide your CNIC to get real-time updates.
More Information: Apni Chhat Apna Ghar Program
ACAG Application Status Meanings – Explained
- Submitted / Pending: Application received; documents under verification.
- Verified / Eligible: Passed initial scrutiny; added to balloting list.
- Selected: Congratulations! Proceed with SMS confirmation, agreement signing, and loan processing.
- Rejected: Application disqualified due to incorrect details, high PMT score, or document issues.
- Incomplete: Missing documents or unclear data; must correct online before final scrutiny.
Step-by-Step: How to Fix “Incomplete” Status
- Visit: acag.punjab.gov.pk
- Click Edit Application.
- Re-upload clear CNIC images, land record (Fard), or missing documents.
- Save and resubmit.
- Complete before the next balloting phase deadline.
Key Features of ACAG 2026
- heading: Short explanation like this
- Increased Loan Limit: Up to PKR 1.5 million, Qarz-e-Hasna (interest-free).
- Urban Plot Sizes: 1 to 5 marla; Rural Plot Sizes: 1 to 10 marla.
- Monthly Installments: Approx. PKR 14,000 with 3-month grace period.
- Official Alerts: SMS notifications only from 8070 or PunjabGovt; avoid private numbers.
Helpline & Contact
- Toll-Free Helpline: 0800-09100
- Official Website: acag.punjab.gov.pk
- SMS Alerts: 8070, PunjabGovt
Tips for Applicants
- heading: Short explanation like this
- Always verify CNIC and land documents before submitting.
- Use the official portal or helpline only.
- Complete all required fields to avoid “Incomplete” status.
- Track SMS alerts for confirmation.
Conclusion
The ACAG Scheme Status Check by CNIC 2026 ensures transparency and ease for applicants seeking interest-free housing loans or government-assisted homes. With balloting results now live, official SMS updates, increased loan limits, and a simple online verification system, Punjab’s ACAG program empowers low and middle-income families to achieve safe, affordable homeownership. Correcting incomplete applications early improves chances of selection in upcoming phases.
FAQs
How can I check my ACAG status online?
Use the official portal at acag.punjab.gov.pk or call the toll-free helpline 0800-09100.
What does “Incomplete” status mean?
It means your application has missing or unclear documents and requires correction via the portal.
How much loan can I get under ACAG 2026?
Eligible applicants can receive up to PKR 1.5 million, completely interest-free.
Can I rely on SMS from personal numbers?
No. Only official SMS from 8070 or PunjabGovt are valid.