ACAG Balloting image

CM Maryam Nawaz Sharif Announces ACAG Balloting Results

Last updated on January 1st, 2025 at 10:51 am

October 31, 2024. Chief Minister Maryam Nawaz Sharif announced the much-awaited ACAG Balloting results of the Apni Chhat Apna Ghar (ACAG) loan scheme. The scheme is conceived to provide financial support to families in Punjab for housing development. The current critical need for affordable housing means that this initiative is incredibly important.

 Background of the Apni Chhat Apna Ghar Scheme

Apni Chhat Apna Ghar is a scheme announced in 2025 as part of a larger strategy to alleviate housing shortages among poor families. The program offers interest-free loans up to Rs 15 lakh loan for eligible families, allowing them to buy homes of their own on expense outlays. The initiative would benefit one lakh families (100,000 families) in Punjab by design, and a budget of Rs 700 billion has been earmarked for this purpose over five years.

Objectives and Goals

The main objectives of the ACAG scheme include:

  • Affordability: The housing is made affordable for the low-income group.
  • Sustainability: Housing solutions need to be viable in the long term.
  • Employment: Local economy stimulation through construction and related activities.

Details of the Balloting Process

The voting process in 36 districts of Punjab was transparent. CM Maryam Nawaz stressed that due to the large number of applications more than 500,000, a lottery system was in place to ensure fairness. The first phase aims to provide loans to 70,000 families, with plans to issue loans every month thereafter.

Key Features of the ACAG Loan Scheme

  • Loan Amount: Eligible families can receive up to Rs 15 lakh.
  • Repayment Period: The loans are sequenced to repay in seven years with a grace period of three months before repaying follows.
  • Monthly Installment: It is estimated that the monthly installment will be around Rs 14,000, hence can be efficiently paid by low-income families.
  • Eligibility: The applicant should register in the PSER survey and possess specific criteria related to property ownership and income levels.

ACAG Scheme Application Procedure

The application procedure is user-friendly:

  • Online Registration: Apply through the website with the CNIC number along with other contact information.
  • Form Submission: An applicant, after registering, applies online and provides personal information. An applicant uploads different documents, such as ownership of property.
  • Verification and Feedback: The authority gets back to the applicant after applying as regards eligibility.

Eligibility Criteria under the ACAG 

Eligibility for it is determined by various requirements.

  • The applicant must be registered with NADRA as the principal family member.
  • He must be a permanent resident of Punjab.
  • He must own a residential plot not more than five marlas in the case of an urban area and ten marlas in the case of a rural area.
  • He must not have any conviction or default against his name.
  • He must be registered with NSER and have a PMT score of 60 or below.

ACAG District Wise Results 2025

Lahore 2025

In Lahore, the housing demand manifests in the ACAG results as the government has established a decision to produce 5,000 houses near Raiwind Road within the first phase that will target the neediest families.

ACAG Balloting Results in Faisalabad

Faisalabad’s balloting results revealed the urgency of affordable housing, as the number of applicants was very high. To meet the strong demand, the government should distribute the resources correctly.

Multan Program

The Multan wing of the program will be built for multiple housing facilities, where the government will construct several housing units to accommodate low-income families.

Rawalpindi Housing Scheme Results

Results in Rawalpindi proved that the draw was successful as it accommodated thousands of families under this scheme. The government has reserved some sites in the city for new housing.

Bahawalpur ACAG Winners List

 The winning members list under Bahawalpur who were eligible for the interest-free loan scheme under the ACAG program for house construction has been released.

Sialkot  Result 2025

The result for the Sialkot reveals a similar pattern, with most of them under its support scheme to better their living conditions.

Gujranwala ACAG Loan Scheme

The Gujranwala district has also benefited from the loan scheme. All those successfully selected under the scheme are now to break ground toward shelter home ownership.

Vehari Housing Loan Scheme

Under this umbrella, the Vehari housing loan program is specifically crafted to offer credit facilities to families aspiring to construct dwellings in rural areas.

Dera Ghazi Khan ACAG Balloting

Dera Ghazi Khan draw results have been issued, and the majority of the families are confirmed to get loans under this project that have the power to change their living conditions.

Chakwal Results

Chakwal results are also available. Now, the residents can see themselves if they have qualified for assistance under this significant housing program.

How to Check ACAG Online Results

How to check the results of it online

  • Visit the official website at acag.punjab.gov.pk.
  • Go to the online result section.
  • Enter your CNIC number or any other detail required to verify your eligibility and status.

Benefits of Interest-Free Loans Under Punjab Housing Scheme

The provision of interest-free loans significantly reduces financial burdens on low-income, making homeownership more attainable. This approach not only helps families secure stable living conditions but also stimulates local economies through construction activities.

ACAG Loan Scheme image

Impact on Families and Communities

CM Maryam Nawaz termed this project as not only a handout but empowerment to own their own homes. She said, “Having a house is a great blessing.” It is more than just a home emotional appeal to people on the ground. Equitable distribution across all districts will help balance regional development.

Expansion Plans Future Prospects

CM Maryam Nawaz committed to increasing the number. Plans are being made for at least 500,000 houses for five years and uninterrupted support for the beneficiaries till the end of the loan repayment period. This program is likely to increase the standard of living and lead to stabilization in the social upliftment of Punjab.

Support Structure

 The support struructe by the government extends to involving the people in each step:

  • Awareness Campaign: Ongoing campaigns that will raise awareness of the eligibility and application procedure among the target audience.
  • Customer Support Services: A dedicated helpline and help desks are arranged to assist with questions related to the application procedure.

What this Balloting Means for Participants in “Apni Chhat Apna Ghar Program”

It has been launched and this guide is especially for the families who have applied to this program. Maryam Nawaz Sharif is the Chief Minister of Punjab and started this project. Now they have released the final result of this program, she has said that in the first phase of this scheme, we had announced to give a loan of 15 lakh rupees to one lakh households. However, since the number of applicants for the loan is very large, a lottery will be conducted to disburse the loan to the family members. The ones whose names will come up in the draw will receive an interest-free loan of Rs 15 lakh from 15 September 2025.

Conclusion

The announcement of the ACAG balloting results marks a crucial step toward improving housing conditions for thousands of families across Punjab. On one hand, offering interest-free loans and allowing more people to become homeowners through initiatives such as Apni Chhat Apna Ghar is one of the greatest undertakings faced by the CM Maryam Nawaz Sharif government of the province. These programs promise to not only add happier and more healthful years to individual lives but also contribute positively to community development and economic growth in Punjab.

FAQs

The Punjab Government’s scheme provides interest-free loans of up to Rs 15 lakh to eligible residents for building their own homes. This scheme will help improve the housing conditions of low-income families in all districts of Punjab.

To seek admission to a Apna Ghar Scheme, applicants have to qualify for its eligibility criteria as set by the authority.

  • No previous criminal record and no pending issues of loan etc.
  • Permanent residents of Punjab
  • Up to 5 Marlas in cities and up to 10 Marlas in the villages
  • Registered under NSER with a PMT score below 60.

Apna Ghar Scheme Applicants have to visit the official website at acag.punjab.gov.pk and apply there. The process of applying involves registration and filling out the Citizen Registration Form as well as submission of necessary documents, which include the ownership document and CNIC.

The loans given through the this must be paid back within a seven-year timeframe. Repayments start after three months, with monthly payments of about Rs 14,000 during the grace period.

Find the official website of ACAG and open the results section. Enter your CNIC or any other required detail; then verify your eligibility to see whether you have been selected from the selection process.

There is no need to make any payment after the approval of the loan for the first three months. This grace period gives families a chance to collect their finances in order before beginning their monthly payments.

The ACAG Loan Scheme helps families achieve homeownership without financial strain by offering interest-free loans. It also stimulates local economies through increased construction activity.

The balloting process was conducted transparently across 36 districts of Punjab, with results publicly announced to ensure equal opportunity for all eligible applicants.

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