The Apna Ghar Apni Chhat Scheme is a home loan program launched by Punjab’s Chief Minister Maryam Nawaz. It’s made for families who earn less and dream of owning a home. With this scheme, you can get a loan of up to PKR 2.5 million to build or buy a house. It’s specially designed for low and middle-income households in Punjab. The goal? Make homeownership easier and more affordable.
Who Can Apply for the Scheme?
This scheme is not for everyone. To qualify, you must:
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Be a resident of Punjab
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Have a low or middle income
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Not already own a house
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Be able to show basic income documents
If you tick all the boxes, you’re on the right track.
How to Check Your Apna Ghar Apni Chhat Application Status
So, you’ve already applied and now you’re eager to know if you got approved? Here’s how to check:
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Visit the Official Website: Go to acag.punjab.gov.pk
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Click “Apply Now”: Yes, even to check status!
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Login: Use your CNIC and the password you created during registration
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Go to Application Status: After logging in, find the “Application Status” option
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Enter Your Tracking ID: Type it in carefully
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Click “Check Status”: Done! Your status should appear on the screen
You’ll see whether your application is pending, approved, or rejected.
Where to Find the Balloting Result
Loan approvals are done through balloting (a type of lucky draw). If you applied, your name might be in the winners list.
Steps to View Balloting Results:
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Go to acag.punjab.gov.pk
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Click “Balloting Result List”
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Pick your district
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View or download the PDF file
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Search using your name, CNIC, or father’s name
This list is arranged district-wise. Use the search feature in the PDF to save time.
Sample Data – How Approvals Look in Real Life
Let’s look at two big districts:
Faisalabad
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Applications Received: 4,375
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Loans Approved: 316
Lahore
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Applications Received: 6,734
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Loans Approved: 628
The list includes:
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Applicant’s Name
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CNIC
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Father’s Name
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Gender
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Plot Size (e.g., 3 Marla, 5 Marla)
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Urban or Rural classification
If your name’s on the list, congrats—you’re one step closer to your dream home!
Documents You’ll Need to Apply or Track Status
Make sure you’ve already submitted these before trying to check your status:
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CNIC (your national identity card)
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Proof of Income (salary slip, bank statement)
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Utility Bill (gas, electricity, or water)
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Passport-size Photo
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Affidavit (to confirm you don’t own a house)
Keep these handy for smooth tracking and verification.
Lost Your Tracking ID or Password?
No worries. If you’ve misplaced your login details, here’s what you can do:
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Use the “Forgot Password” option on the login page
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Contact Helpline (more on that below)
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Keep your CNIC number ready when calling
Helpline and Contact Details for Help
Got stuck? No problem. The support team is available to guide you.
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Phone: 042-99213419 or 042-99213428
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Email: info@phata.punjab.gov.pk
Reach out during office hours for a faster response.
Also Read: CM Punjab Free Livestock Scheme 2025 – Second Phase Registration Now Open
What Happens After You’re Approved?
If your loan is approved, you’ll be contacted by the scheme authorities. Here’s what usually happens next:
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You receive a confirmation message or call
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They’ll ask for additional verification (if needed)
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Loan documents will be signed
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Funds are disbursed
Use the funds carefully—this is your chance to finally have your own home.
How to Prepare for the Next Phase
Even if you’ve not been approved yet, get prepared:
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Keep all documents updated
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Check your status regularly
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Keep your phone active for any calls from the scheme office
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Save official numbers to avoid missing important updates
Benefits of the Scheme – Why It’s a Big Deal
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No huge interest burden
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Government-backed support
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Online application and tracking
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Easy process even for first-time applicants
This scheme truly changes lives for the better.
Stay Updated – Future Balloting Rounds
Didn’t get selected in the first round? Don’t worry—more rounds are coming. Keep checking the website and your email. Future lists will include more names.
Conclusion
The Apna Ghar Apni Chhat Scheme is a golden opportunity for Punjab’s families to turn their housing dreams into reality. With simple online steps, you can check whether you’ve been selected. Make sure your documents are complete, your login credentials are safe, and your eyes are on the official website. If you’re in, follow the next steps carefully. If not, stay hopeful—your chance might come in the next draw.
FAQs
1. Can I apply if I already own land but no house?
Yes, as long as you don’t already own a complete home, you might still be eligible.
2. Is there a deadline to check application status?
There is no official deadline, but it’s best to check regularly for updates.
3. How do I know if I was rejected or just pending?
The status will clearly say “Rejected,” “Pending,” or “Approved” when you log in with your tracking ID.
4. Can I reapply if I wasn’t selected in the first round?
Yes! Keep checking the website for the next balloting round and reapply if allowed.
5. Is there any fee to apply for this scheme?
No, the application is completely free and online. Avoid anyone asking for money.