The Apni Chat Apna Ghar (ACAG) scheme, launched by Chief Minister Maryam Nawaz Sharif, has successfully moved into its second major phase in 2026. With over 121,000 installments already issued by January 2026, many beneficiaries are now transitioning from initial approval to receiving their second and third installments for construction.
If you have already received your first payment and are waiting for the next phase of funding, or if you are a new applicant checking your balloting result, this guide provides the official steps to track your status.
ACAG Loan Status Overview 2026
The 2026 portal has been optimized to handle the heavy traffic of the district-wise balloting results currently being announced across Punjab.
-
Official Portal: acag.punjab.gov.pk
-
Loan Limit: Up to Rs. 1.5 Million (Interest-Free)
-
Monthly Installment: Fixed at Rs. 14,000 (Zero markup)
-
Status Check Tool: CNIC based online tracking
How to Check Loan Approval Status (Balloting Results)
The Punjab government is releasing balloting results in multiple rounds throughout 2026. To check if your application has been selected for the loan:
-
Visit the Portal: Go to the official ACAG website at acag.punjab.gov.pk.
-
Login: Enter your 13-digit CNIC and the password you created during registration.
-
Check Balloting Result: Look for the “Ballot Results” or “Application Status” tab on your dashboard.
-
Status Meanings:
-
Selected: You have won the ballot; you will receive an SMS and a call for agreement signing.
-
Under Verification: Your land documents (Fard) or PMT score are being cross-verified.
-
Pending: Your application will be considered in the next upcoming round of balloting.
-
Checking 2nd Installment Status Online
For those who have already started construction, the 2nd installment is released only after a physical verification of the progress (e.g., completion of the foundation or walls).
-
Access Dashboard: Log in to your account on the ACAG Portal.
-
Payment Tracking: Click on the “Payment History” or “Installment Status” section.
-
Verification Report: Check if the field officer has uploaded the Verification Report. The 2nd installment is usually triggered within 7–10 days of a successful field visit.
-
Bank Notification: Once the status shows “Disbursed,” you will receive an SMS from the bank (typically Bank of Punjab) to collect the funds.
Common Reasons for Status Delays in 2026
If your status is stuck at “Under Verification” or your 2nd installment is delayed, it could be due to one of these reasons:
-
PMT Score: Your poverty score from the NSER registry must be 60 or below.
-
Land Record Issues: Blurred images of the Fard-e-Malkiat or issues with the land’s size (must be 5 Marla or less in urban areas).
-
Construction Progress: The second installment is only released once the first stage of construction is verified by a government representative.
-
Defaulter Status: The system automatically blocks installments if the applicant is found to be a bank defaulter.
How to Fix “Incomplete” Status
If your portal shows your application is “Incomplete,” you can still fix it:
-
Log in to the portal and click “Edit Application.”
-
Re-upload clear images of your CNIC (front and back).
-
Ensure the land documents provided are the latest versions from the Punjab Land Record Authority (PLRA).
Official Tip: Always rely on the acag.punjab.gov.pk portal or official SMS alerts. Do not trust private calls or WhatsApp messages asking for “processing fees.”