Significant Milestone in Housing Development
CM Maryam Nawaz Sharif has officially announced the much-awaited ACAG Balloting Results for the Apni Chhat Apna Ghar loan scheme on October 31, 2024. This initiative addresses the critical need for affordable housing in Punjab, ensuring financial support for deserving families. With a 15 Lakh Loan scheme, beneficiaries can access an interest-free loan of Rs 15 lakh, which will be repaid over seven years in easy installments. The government of Punjab aims to make this scheme beneficial for the people of Punjab, enabling them to build their house efficiently. The latest update reveals that eligible people have started getting loans under this important programme.
The CM Punjab also congratulates the eligible candidates whose names have been drawn in the lottery. The blooming date for loan distribution is set for September 15, 2024. The scheme provides a step-by-step phased manner for loan allocation, ensuring transparency and smooth processes. Chief Minister William Nawaz Sharif emphasized the need for such projects to help poor families and improve housing development across Punjab. This article highlights details on how individuals can qualify and avail themselves of this opportunity to create a secure future for their families.
New Update
Maryam Nawaz Sharif has announced an important new update regarding the Apni Chhat Apna Ghar program, making the PSER survey mandatory for receiving a loan. Only those who are registered in the PSER survey will qualify for the Rs. 15 lakhs loan. Applicants who fail to register will not be given financial assistance. To avoid any delays, individuals are encouraged to ensure registration in the PSER survey as soon as possible.
To participate in the PSER survey, applicants can click on the link provided by the program and complete the registration process. This mandatory requirement is essential for becoming eligible for the scheme and securing financial assistance under this initiative. Interested candidates are urged to follow the steps promptly to qualify for the Apni Chhat Apna Ghar program and access the housing loan facility efficiently.
Background of the Apni Chhat Apna Ghar Scheme
The Apni Chhat Apna Ghar scheme was officially announced in 2025 as a part of a broader strategy to alleviate housing shortages among poor families in Punjab. This initiative aims to provide interest-free loans of up to Rs 15 lakh to eligible families, enabling them to buy homes without financial burdens. The scheme is carefully designed to assist around one lakh families (100,000 families) and improve their living standards through accessible housing opportunities.
For this purpose, a substantial budget of Rs 700 billion has been earmarked for the scheme, set to be implemented over the next five years. This financial support reflects the government’s commitment to addressing housing shortages and empowering low-income families to secure stable and affordable homes. The Apni Chhat Apna Ghar scheme stands as a significant step towards long-term social and economic upliftment in Punjab.
ACAG Balloting Results Announced in 36 Districts in Punjab
The ACAG Balloting Results have been officially announced across 36 districts in Punjab under the Apni Chhat Apna Ghar program. All persons who had applied for a loan of Rs 15 lakh can now check their names in the complete list released by Maryam Nawaz Sharif. This announcement brings good news for many families eagerly waiting for financial assistance to build their homes.
The Punjab Govt has ensured transparency by making the official list accessible both online and in articles detailing the program’s updates. Applicants are advised to stay connected and check their results carefully to proceed further with their loan applications.
What the Balloting Means for Participants in “Apni Chhat Apna Ghar Program”
The Apni Chhat Apna Ghar program was officially launched by Maryam Nawaz Sharif, the Chief Minister of Punjab, to support families in securing affordable housing. In the first phase of this scheme, it was announced that a loan of Rs 15 lakh would be provided to one lakh households. However, due to the high number of applicants, a lottery system will now determine the distribution of the loan among family members.
The final result has been shared, and those whose names are drawn in the lottery will receive an interest-free loan starting from 15 September 2024. Eligible participants are advised to stay informed and follow the updates to ensure smooth processing and timely disbursement of their loans.
Objectives and Goals of the ACAG Scheme
- Affordability: Ensures housing is made affordable for the low-income group, allowing broader access to home ownership.
- Sustainability: Focuses on viable housing solutions that are long-term and durable.
- Employment: Stimulates the local economy by creating employment opportunities through construction and related activities.
Key Features of the Apni Chhat Apna Ghar (ACAG) Loan Scheme
- Financial Assistance: Provides up to Rs 15 Lakh to eligible families in Punjab for building their own homes.
- Repayment Period: Offers a repayment term of seven years.
- Grace Period: Includes a three-month grace period before repayments begin.
- Monthly Installments: Estimated monthly installment is Rs 14,000, designed to be manageable for low-income families.
- Eligibility Criteria: Applicants must be registered in the PSER survey and meet specific requirements related to property ownership and income levels.
- Focus on Affordable Housing: Aims to address the housing needs of deserving households and improve living standards in Punjab.
- Promotes Sustainability: Supports sustainable living while providing financial relief to eligible families.
ACAG Scheme Application Procedure
- User-Friendly Process: The application procedure is designed to be simple and accessible to everyone.
- Online Registration: Applicants begin by registering online through the official website.
- Basic Information: Registration requires the applicant’s CNIC number and contact details.
- Form Submission: Applicants provide personal information and upload necessary documents, including proof of property ownership.
- Verification and Feedback: After submission, the authority reviews the application, verifies the details, and provides feedback on eligibility status.
- Transparent System: Ensures timely updates and assistance, offering a smooth and efficient experience for all applicants.
Eligibility Requirements for the ACAG Scheme
- Applicant must be registered with NADRA as the principal family member.
- Must be a permanent resident of Punjab.
- Should own a residential plot no larger than five marlas in urban areas or ten marlas in rural areas.
- Must not have any conviction or default against their name.
- Must be registered with NSER and have a PMT score of 60 or below.
How to Check Your Name in the ACAG Balloting Results
- Visit the ACAG Balloting Results portal and click the result button.
- Select the district where you applied.
- A complete list will be shown, allowing you to search for your name.
- If your name appears, you will be contacted via the mobile number provided during registration.
- Once confirmed, you will receive a loan of Rs 15 lakh.
ACAG District Wise Results 2025
Lahore 2025
In Lahore, the ACAG results highlight a pressing housing demand. The government plans to build 5,000 houses near Raiwind Road during the first phase, focusing on the neediest families.
ACAG Balloting Results in Faisalabad
The balloting results in Faisalabad reveal a high demand for affordable housing. To address this, the government is encouraged to ensure proper resource distribution.
Multan Program
The ACAG initiative in Multan will provide multiple housing facilities. The government aims to construct housing units to benefit low-income families.
Rawalpindi Housing Scheme Results
In Rawalpindi, the draw successfully accommodated thousands of families under the ACAG scheme. Reserved sites have been identified for new housing in the city.
Bahawalpur ACAG Winners List
Bahawalpur’s winners list for the interest-free loan scheme has been announced, helping families to construct homes.
Sialkot Result 2025
Sialkot’s results show a continued focus on supporting families to improve their living conditions through the scheme.
Gujranwala ACAG Loan Scheme
In Gujranwala, beneficiaries of the loan scheme are now moving toward home construction, taking a step closer to shelter ownership.
Vehari Housing Loan Scheme
The Vehari housing loan program offers credit facilities, specifically designed for rural families aspiring to build homes.
Dera Ghazi Khan ACAG Balloting
The draw results in Dera Ghazi Khan confirm loans for the majority of families, aiming to transform their living conditions.
Chakwal Results
The ACAG results for Chakwal are now available, enabling residents to verify their eligibility for housing assistance under this program.
Impact on Families and Communities
CM Maryam Nawaz described the ACAG project as more than a simple handout—it is an initiative aimed at empowering families to own their homes. She emphasized the importance of housing, stating, “Having a house is a great blessing.” This initiative not only resonates emotionally with people on the ground but also addresses practical needs. By ensuring equitable distribution across all districts, the program supports balanced regional development and fosters stronger, more sustainable communities.
Support Structure
Awareness Campaign
The government has launched ongoing awareness campaigns to inform the target audience about eligibility criteria and the application procedure. These efforts aim to ensure that all potential beneficiaries are well-informed and can access the program easily.
Customer Support Services
Conclusion
The ACAG balloting results signify a crucial step in improving housing conditions for thousands of families across Punjab. Through the Apna Chhat Apna Ghar Loan Scheme, the government, led by CM Maryam Nawaz Sharif, has introduced a transformative initiative that provides interest-free loans of up to Rs 15 lakh to needy families. This programme aims to help one lakh families across the province, enabling them to repay these loans over seven years with ease. By announcing polling results for 36 districts, this initiative is setting a strong foundation for offering financial assistance and housing opportunities to deserving families.The Apna Chhat Apna Ghar program is not just about creating homeowners; it’s about fostering happier years, healthful lives, and a stronger sense of belonging among individual families. As applicants, who are registered in the PSER survey and selected in the draw, prepare to begin their loan process from 15 September 2024, this initiative reflects the greatest undertakings of the government. It promises to contribute to community development and stimulate economic growth, reinforcing the province’s commitment to uplifting its people through impactful programs and initiatives.
FAQs
What is the Apni Chhat Apna Ghar Scheme?
The Punjab Government has introduced this scheme to provide interest-free loans of up to Rs 15 lakh for eligible residents to build their own homes. It aims to improve housing conditions for low-income families across all districts of Punjab.
Who is eligible to apply for the ACAG Loan Scheme?
Applicants must meet specific eligibility criteria, including:
- Having no criminal record or pending loan disputes.
- Being a permanent resident of Punjab.
- Owning property of up to 5 marlas in urban areas or 10 marlas in rural areas.
- Being registered under NSER with a PMT score below 60.
