The Apni Chhat Apna Ghar Balloting List 2026 has officially been released, bringing major relief for thousands of low-income families across Punjab waiting for affordable housing support. The flagship housing initiative launched under the Punjab government aims to provide interest-free housing loans, developed plots, and constructed homes to eligible citizens who dream of owning a house.
Applicants who submitted their forms earlier can now check whether their names have been selected in the latest balloting phase through official online portals and region-wise lists.
Here is everything you need to know about checking your result, eligibility status, loan details, and the latest 2026 updates.
What is Apni Chhat Apna Ghar Scheme?
The Apni Chhat Apna Ghar (ACAG) program is a major affordable housing project designed to help low-income families build or own their homes without heavy financial burden. The government plans to provide 100,000 houses and housing opportunities within 4.5 years through multiple execution models.
The program focuses especially on families living in rented homes or without permanent housing in Punjab districts.
Apni Chhat Apna Ghar Balloting List 2026 — Latest Announcement
Authorities have officially published the 2026 balloting results, allowing applicants to verify whether they have been selected for housing loans or plot allocation.
Successful applicants will now move forward toward loan disbursement or construction stages depending on their selected category.
If your name does not appear in the first list, there is no need to worry — applications remain active for future balloting phases.
How to Check Apni Chhat Apna Ghar Balloting Result Online
Applicants can easily verify their status using the official online system.
Method 1 — Official Balloting Result Portal
Follow these steps:
- Visit the official Apni Chhat Apna Ghar Balloting Result Portal.
- Enter your 13-digit CNIC number without dashes.
- Enter the captcha code displayed on the screen.
- Click Search or View Result.
Your application status will appear instantly.
Method 2 — ACAG User Dashboard Login
Applicants who created accounts during registration can also check results through their dashboard.
Steps include:
- Open the ACAG Official Portal.
- Log in using your registered email and password.
- Open the Dashboard or Application Status section.
If your application shows:
- Approved
- Successful
- Selected
then you have been shortlisted.
Method 3 — PHATA Region-Wise Balloting Lists
District-wise results have also been uploaded regionally.
Applicants from districts such as:
- Bhakkar
- Khushab
- Layyah
- Lodhran
can check detailed lists through the Punjab Housing authority website.
Execution Models Under Apni Chhat Apna Ghar 2026
The housing program operates under three major implementation models.
1. Interest-Free Housing Loan Model (Model-3)
This is the most popular category among applicants.
Successful candidates receive:
- Up to Rs. 1.5 million interest-free loan.
- Repayment period of 7 years.
- Monthly installment approximately Rs. 14,000.
The loan helps families construct homes on their own land.
2. House or Apartment Construction Model
Under this category:
- Government develops housing units.
- Beneficiaries receive constructed homes or apartments.
This model benefits families without land ownership.
3. 3-Marla Plot Development Model
Selected applicants may receive:
- Developed residential plots.
- Basic infrastructure facilities.
This allows beneficiaries to build homes gradually.
Important 2026 Updates Applicants Should Know
Several important improvements have been introduced this year.
Faster Processing System
Authorities have upgraded digital verification systems to speed up application approval and reduce delays.
Multiple Balloting Phases
The housing scheme will continue conducting balloting rounds until program targets are achieved.
If you were not selected this time, your application may still qualify in upcoming phases.
Expanded District Coverage
More districts are gradually being included to ensure fair access for rural and semi-urban families.
What Happens After Selection?
If your name appears on the successful applicants list, the next steps include:
- Document verification.
- Property ownership confirmation (for loan model).
- Loan agreement signing.
- Construction monitoring approval.
Applicants will receive SMS or portal notifications regarding further instructions.
What If Your Name Is Not in the Balloting List?
Many applicants may not appear in the first phase.
However:
- Applications remain active.
- Future balloting rounds will continue.
- No need to reapply unless instructed.
The government aims to expand coverage gradually to include more families.
ACAG Helpline for Balloting Issues
If you face problems such as:
- Portal not loading.
- CNIC error.
- Application status not showing.
You can contact the official helpline:
Helpline Number: 0800-09100
Support teams can verify your status and guide you.
Who is Eligible for Apni Chhat Apna Ghar Scheme?
Generally, beneficiaries include:
- Punjab residents.
- Low or middle-income families.
- Individuals without permanent housing.
- Applicants owning land (for loan category).
Verification is completed using government databases.
Benefits of Apni Chhat Apna Ghar Program
The scheme offers several long-term advantages:
- Interest-free financial support.
- Affordable housing opportunity.
- Secure property ownership.
- Improved living standards.
It is considered one of the largest affordable housing initiatives currently underway in Punjab.
Final Words
The release of the Apni Chhat Apna Ghar Balloting List 2026 marks an important step toward affordable housing accessibility in Punjab. Applicants are advised to check their CNIC status through official portals or dashboards and complete verification procedures quickly if selected.
Those who were not shortlisted in this phase should remain patient, as future balloting rounds are expected to include additional beneficiaries as the government moves closer to its target of providing thousands of homes across the province.
Stay connected with official updates to avoid misinformation and ensure timely completion of the next steps in the housing process.