Apni Chhat Apna Ghar Winner List 2026 – How to Check Your Name and Get 15 Lakh Loan

Apni Chhat Apna Ghar Winner List 2026

The Apni Chhat Apna Ghar Winner List 2026 has been officially released by the Punjab Government under the Maryam Nawaz Loan Scheme. This initiative is designed to help low-income families across Punjab who own land but cannot afford to build their own homes. With the winner list now available, applicants can easily check their approval status online and take the next steps to receive an interest-free loan of 15 lakh rupees.

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Purpose of the Apni Chhat Apna Ghar Loan Scheme

The main aim of this program is to provide financial support for home construction to families in Punjab who lack the resources to build their own houses. Many families already have land but struggle to manage construction costs. To solve this problem, the Punjab Government offers loans of up to Rs. 1,500,000 that are completely interest-free.

Besides providing financial assistance, the scheme also promotes social stability and better living conditions. Families with their own homes enjoy a sense of security, dignity, and long-term stability.

Key Features of the Maryam Nawaz Loan Scheme 2026

The Maryam Nawaz Loan Scheme under the Apni Chhat Apna Ghar initiative offers multiple benefits:

• Loan amount up to Rs. 1.5 million for constructing homes on owned land.
• Completely interest-free repayment over seven years.
• First three monthly installments waived to help families start construction comfortably.
• Approximately 70,000 families will benefit in the first phase.
• Only permanent residents of Punjab with valid land ownership are eligible.

This structure makes the program simple, transparent, and highly effective for deserving families.

Eligibility Criteria

To qualify for the loan, applicants must meet these requirements:

• Must be a permanent resident of Punjab.
• Own at least 5 marlas of land in urban areas or 10 marlas in rural areas.
• Must not have an existing constructed house.
• Should not have defaulted on any previous government or bank loans.
• All information submitted must be accurate and complete, or the application will be disqualified.

These rules ensure that the financial assistance reaches families who truly need it.

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How to Check Your Name in the Winner List

The Apni Chhat Apna Ghar Winner List 2026 is available on the official ACAG portal. Here’s how you can check your name:

1. Visit the ACAG website at acag.punjab.gov.pk.
2. Select the “5th Approval” option from the drop-down menu.
3. Choose your district.
4. Scroll down to view the winner list.
5. Search for your name carefully.

If your name does not appear in the list, it does not necessarily mean rejection. You can log in to your personal dashboard to check the status of your application, which may still be under review or approved in a later phase.

Application Status Through Dashboard

Applicants who are not listed yet can check their application status online:

1. Go to the ACAG portal and click login.
2. Enter your CNIC, password, and captcha code.
3. Click submit to open your dashboard.
4. Your application will show as Approved, Verifying, or Ineligible.

This system allows applicants to stay informed without visiting government offices.

Loan Amount, Repayment, and Benefits

Under the Maryam Nawaz Loan Scheme 2026, each eligible family can receive Rs. 15 lakh to build a home. The repayment plan is simple and manageable:

The first three installments waived allow families to start construction without immediate repayment pressure.

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Documents Required for Verification

To complete the approval process, applicants need to submit:

• Original CNIC.
• Proof of land ownership (5 marlas urban, 10 marlas rural).
• Income certificate to confirm low-income status.
• Recent electricity bill.
• Passport-size photograph.
• Registered mobile number for updates.

Accuracy in submitting documents is crucial to avoid disqualification.

Impact on Families

The Apni Chhat Apna Ghar Loan Scheme is transforming lives in Punjab. Families that could not afford a home now have the opportunity to own a safe, permanent residence. The 15 lakh interest-free loan reduces financial stress and allows beneficiaries to focus on construction.

Additionally, the scheme supports local businesses and laborers involved in construction, promoting community development and economic growth.

Importance of Checking the Winner List

Checking the winner list is important to know whether your application is approved. Those selected can start the loan disbursement process, while others can wait for upcoming phases. The transparent digital selection ensures that every deserving family has a fair chance to benefit.

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Future Phases

The Punjab Government plans to expand the program, allowing more families to benefit in future phases. Families not selected now should stay patient and updated via the official portal to ensure they do not miss new opportunities.

Conclusion

The Apni Chhat Apna Ghar Winner List 2026 is more than just a list—it represents hope, security, and dignity for low-income families in Punjab. Through the Maryam Nawaz Loan Scheme, families can now build homes without financial burden. Applicants should carefully check their names online and complete all formalities. For those not yet approved, future phases provide continued opportunities.

This initiative aims to provide financial support, improve living conditions, and promote social stability by helping families who cannot afford construction costs. Eligible applicants must be permanent residents of Punjab, own the required land, and meet other criteria, while selection is made transparently through digital approval phases.

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FAQs

Q1: What is the Apni Chhat Apna Ghar Winner List 2026?
It is the official list of applicants approved to receive 15 lakh interest-free housing loans under the Punjab government scheme.

Q2: How can I check my name?
Visit the ACAG portal, select 5th Approval, choose your district, and scroll to find your name.

Q3: What if my name is not listed?
Log in to your dashboard on the ACAG portal to see if your application is under verification or pending for the next phase.

Q4: How much loan is offered?
Up to Rs. 1,500,000, repayable over seven years with no interest.

Q5: What documents are needed?
CNIC, proof of land ownership, income certificate, electricity bill, and a passport photo.