Apni Zameen Apna Ghar Program Application Status Check Online
The Apni Zameen Apna Ghar Program is a flagship housing initiative by the Government of Punjab, led by CM Maryam Nawaz Sharif. Launched to provide free 3-Marla plots or interest-free loans of up to Rs. 15 lakh, this program aims to support eligible residents in achieving their dream of owning a home. The 2026 phase continues the initiative with updated application procedures and a centralized online portal for easy status tracking.
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| Feature | Details |
|---|---|
| Program Name | Apni Zameen Apna Ghar Program |
| Launch Year | 2026 Phase |
| Offered By | Government of Punjab, CM Maryam Nawaz Sharif |
| Benefits | Free plots or interest-free loans up to Rs. 15 lakh |
| Loan Interest | 0% (Interest-Free) |
| Income Eligibility | Monthly household income below Rs. 60,000 |
| Target | 100,000 houses/loans in this phase |
| Official Portal | acag.punjab.gov.pk or azag.punjab.gov.pk |
How to Check Your Application Status Online
Checking your Apni Zameen Apna Ghar Program status for 2026 is simple and centralized. Follow the steps below:
- Visit the Official Portal: Go to acag.punjab.gov.pk or azag.punjab.gov.pk.
- Login: Enter your CNIC and the password created during registration.
- Navigate to Dashboard: Find the “Application Status” or “Dashboard” tab.
- View Status: Your current application phase will appear (Under Review, Approved, Pending Documents, Selected for Balloting).
Check Status via SMS
If you do not have internet access, you can check your status by sending an SMS:
- Format: APNA [Space] [Your 13-digit CNIC]
- Send to: 9000 (Official service number)
Eligibility Criteria for 2026
To qualify for the 2026 phase of the Apni Zameen Apna Ghar Program, applicants must meet specific requirements:
- Residency: Permanent resident of Punjab (verified via CNIC).
- Ownership: Applicant or family must not already own a house or plot in Pakistan.
- Land Requirement (for Loans): Must own a plot up to 5 Marla in urban areas or 10 Marla in rural areas.
- Income: Monthly household income below Rs. 60,000.
- Poverty Score: Preference for PMT score 60 or below.
Understanding Application Status
The application status has multiple stages. Here’s what each one means:
- Under Review: Documents are being verified by PHATA or NADRA.
- Pending Documents: Issue with uploaded photos or affidavits; re-upload is required.
- Approved: Verification passed, eligible for next balloting phase.
- Disbursed: For loans, the first installment has been transferred to your bank account.
Program Details (2026 Update)
The 2026 phase of the Apni Zameen Apna Ghar Program includes:
- Loan Amount: Up to Rs. 1.5 Million.
- Interest Rate: 0% interest-free.
- Repayment: Monthly installments from Rs. 14,000 to Rs. 26,000 with a 3-month grace period.
- Total Goal: Provide 100,000 houses/loans.
Step-by-Step Application Process
Follow this step-by-step process to complete your application and track your status:
- Register on the official portal using CNIC and basic personal details.
- Upload required documents: CNIC, land record, photos, and affidavit.
- Verify your profile and submit the application.
- Wait for the “Under Review” or “Pending Documents” status.
- Once approved, enter the balloting phase for free plots or loan approval.
- If approved for a loan, the first installment will be disbursed to your bank account.
- Track monthly repayments via the portal.
Helpline & Support
For assistance or if your status has been “Pending” for more than 6 weeks:
- Toll-Free Helpline: 0800-02345
- Technical Support: 042-111-333-267
- Email: info@azag.punjab.gov.pk
Conclusion
The Apni Zameen Apna Ghar Program 2026 is a golden opportunity for eligible Punjab residents to own a home or receive interest-free loans. With an easy online status check system, clear eligibility criteria, and robust support, the program ensures transparency and fairness. Always use the official portal and follow the verified steps to avoid delays.
FAQ
How can I check my Apni Zameen Apna Ghar application status?
You can check your status online via acag.punjab.gov.pk or by sending an SMS to 9000 with your CNIC.
Who is eligible for the 2026 phase?
Permanent residents of Punjab with no prior house ownership and a household income below Rs. 60,000 are eligible.
What are the loan repayment terms?
Loans are interest-free, with monthly installments ranging from Rs. 14,000 to Rs. 26,000 and a 3-month grace period.
Where can I get help if my status is pending?
You can contact the toll-free helpline at 0800-02345, technical support at 042-111-333-267, or email info@azag.punjab.gov.pk.
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