Imagine logging in and seeing “Installment Disbursed” for your interest-free Rs. 15 lakh loan. For thousands in Punjab, this 2026 dream is becoming a reality as the Apni Chhat Apna Ghar scheme enters its crucial disbursement phase. If you applied, the endless wait for updates is over. Your entire application journey—from balloting to bank transfer—can now be tracked online instantly. Don’t rely on rumours; here’s how to get your official status in under a minute.
The Punjab Government’s Apni Chhat Apna Ghar Application Status is now actively distributing funds to approved applicants. Knowing your real-time status is key to planning your construction and next steps.
Official Portal: All checks must be done through the official ACAG website: https://acag.punjab.gov.pk/
ACAG Application Status Meanings for 2026
Your dashboard status tells you exactly what’s happening. Here’s what each term means in the 2026 disbursement phase.
| Application Status | What It Means for You in 2026 |
|---|---|
| Approved / Shortlisted | You passed the balloting. Await a technical site visit. |
| Under Technical Review | Engineers are verifying your plot & construction plan. |
| Installment Disbursed | Loan portion has been sent to your registered bank account. |
| Pending Verification | NSER/NADRA data cross-check is in process. |
| Rejected | Application did not meet 2026 eligibility criteria. |
How to Check Your Apni Chhat Apna Ghar Application Status Online in 2026?
The 2026 portal is streamlined for ease. Follow these direct steps:
- Go to the official portal: acag.punjab.gov.pk.
- Log in to Your Dashboard: Use the username and password created during registration.
- Quick CNIC Check (if available): On the homepage, enter your 13-digit CNIC without dashes for a snapshot.
- View Full Status: Your dashboard displays your current stage, any comments from the team, and next steps.
- Download Documents: If approved, you can download your official Approval Letter and installment schedule directly.
ACAG 2026 Loan Structure: Key Details
Understanding the financial terms is crucial for planning.
- Total Loan Amount: Rs. 1,500,000 (Fifteen Lakh Rupees).
- Interest Rate: 0% (Fully Interest-Free).
- Repayment Period: 7 Years (84 months).
- Estimated Monthly Installment: Approximately Rs. 14,000 (after the grace period).
- Grace Period: Initial months during the construction phase are payment-free.
2026 Eligibility Criteria for Apni Chhat Apna Ghar Application Status
If your status shows “Rejected,” cross-check these 2026 criteria:
- Residency: Permanent resident of Punjab.
- Plot Ownership: Own a plot up to 5 Marla (Urban) or 10 Marla (Rural).
- Poverty Score: Must fall within the eligible PMT (Poverty Means Test) score range from the NSER survey.
- No Existing Home: Should not own a fully constructed house in an urban area.
- Clean Record: Not a defaulter to any bank or financial institution.
What to Do If Your Status is Delayed or Stuck?
If your status hasn’t changed for over 30 days, take these proactive steps:
- Check Portal Messages: Log in and check the “Messages” or “Remarks” section. The technical team often requests clearer document scans here.
- Visit District Help Desk: Each DC Office has a dedicated ACAG/PITB help desk for in-person support and escalation.
- Contact Helpline: Call the official Punjab Government helpline 0800-09100 with your Application Tracking ID ready.
Important 2026 Alerts for Applicants
- Beware of Scams: No government officer will call asking for money to “speed up” your application. All communication is through the official portal.
- Keep Documents Ready: If shortlisted, have your original Plot Registry/Allotment Letter, CNIC, and B-Form ready for the site verification team.
- Bank Account Verification: Ensure the bank account details provided during application are active and in your name to avoid disbursement delays.
Your path to owning a home is just a login away. Verify your status today at the official source: Apni Chhat Apna Ghar Punjab.