Checking the progress of your application in 2026 is a centralized digital process. The Punjab government uses a unified portal to ensure transparency, so you can track your case from submission to the final disbursement of funds.
1. Steps to Check Your Status
To get a real-time update, you must use the official ACAG portal. There is currently no SMS-based tracking for this specific scheme to prevent fraud. Visit the Portal: Open your browser and go to acag.punjab.gov.pk. Login to Your Account: Click the “Login” button. You will need the 13-digit CNIC and the Password you created during the initial registration phase. Access the Dashboard: Once logged in, look for the “Track Application” or “My Applications” tab. This will display the current stage of your file.
2. Understanding the Status Terms
When you view your status, the system will show specific labels. Knowing what these mean will help you understand the next steps. Submitted: Your application is in the system and is waiting in the queue for the initial desk audit. Under Verification: This is a crucial stage where field officers verify your land ownership (Fard/Registry) and your household income. Ensure your provided phone number is active during this time. Approved: Congratulations! Your eligibility is confirmed. You are now cleared to receive the interest-free loan or move forward with the balloting process. Disbursed: The first installment of the Rs. 1.5 Million (15 Lakh) loan has been transferred to your bank account to begin construction. Rejected: The application failed to meet the criteria. The portal will usually list a “Reason for Rejection,” such as an incorrect plot size or an existing default on other government loans.
3. Key Policy Updates for 2026
The 2026 relaunch includes more flexible options for the common man. The loan remains interest-free with a fixed monthly installment of approximately Rs. 14,000 spread over 7 years. A new “Home Expansion” category has been added for families who already own a small house but need an extra room or floor for a growing family. Furthermore, beneficiaries who pay back their loan ahead of schedule are now eligible for a 20% rebate on the remaining principal amount.
4. Troubleshooting Login Issues
If you cannot access your status because you forgot your credentials, use the “Forgot Password” link on the login page. You will need the mobile number that was used during registration. A one-time password (OTP) will be sent to that number to allow you to set a new password. If your mobile number has changed, you must visit the nearest E-Khidmat Markaz with your original CNIC to update your contact profile.
5. Official Support and Help
For any technical errors or if your application has been stuck in the same status for more than 30 days, you can contact the official support channels. Helpline: 0800-09100 (Toll-Free). Physical Assistance: You can visit the Assistant Commissioner (AC) Office in your respective Tehsil for a manual check of your file progress. Online Support: Use the “Complain” feature within the portal to log a formal inquiry regarding your delay.