An Apni Chhat Apna Ghar check shows you where your interest-free housing loan application stands. The program is often called ACAG, and many people search for it with the words reversed, as “Apna Ghar Apni Chhat” (sometimes written “Apni Chat”). It is the same program, and you check it the same way: log in with your CNIC on the official portal.

How to check your ACAG application status in 3 steps

  1. Open the official login page, acag.punjab.gov.pk/Login.aspx. You can also go to acag.punjab.gov.pk and tap Login.
  2. Enter your 13-digit CNIC number, your password and the CAPTCHA letters shown on the screen (capital and small letters matter), then tap Login. If the portal asks for a one-time PIN (OTP), it is sent to your own registered mobile number and email.
  3. Open Application Status (درخواست کا اسٹیٹس). It shows your Application ID, your name, your CNIC, your Application Status, the Selected MFI (the organisation handling your loan) and your loan category.

You do not apply again to check. As of September 2026, the portal has no public page that shows your status from a CNIC alone, so keep your password private.

Forgot your password? Tap Forgot Password, enter your CNIC, tap Get OTP, and set a new password with the code sent to your mobile and email. The code expires in 30 minutes.

The same portal runs Apni Chhat Mehfooz Chhat, the loan for adding a room or floor. Its applicants check their status the same way.

After you log in at acag.punjab.gov.pk, the Application Status screen shows your ACAG status.

Apni Chhat Apna Ghar check: what each status message means

As of September 2026, these are the messages we confirmed on the official portal. Words in quotation marks are the portal’s exact wording. The other rows describe the status line in general terms, because its wording changes as your case moves, so read the exact words in your own account.

What you seeWhat it meansWhat to do
”Record has been Submitted Successfully. A SMS is sent on your registered cell number”Shown right after you submit. Your application has reached the system.Keep the SMS and note your Application ID.
”Your registration information has been sent to the relevant department for verification. You will be informed via SMS / EMAIL upon confirmation.”A login page pop-up titled “Visit e-Khidmat Markaz”. Your registration is waiting to be verified.Wait for the SMS or email. If nothing comes, visit an e-Khidmat Markaz with your CNIC or call 0800-09100.
”No Data Found against this CNIC”No submitted application is linked to the CNIC you logged in with.See “Record not found” below.
A pending, under review or verification statusYour application is being checked.Wait, and check about once a week.
An approved status, with a name under Selected MFIYour case has gone to a loan partner.See “Approved” below.
A Request for 2nd Tranche Release buttonYou can ask for the next part of your loan.See “Loan paid in tranches” below.
A rejected statusYour application did not meet a rule.See “If your application is rejected” below.

Record not found: “No Data Found against this CNIC”

This message appears on the Application Status page when no submitted application is linked to the CNIC you logged in with. The common reasons:

  • A different CNIC. Log in with the CNIC of the person who applied.
  • The form was never submitted. If you did not press Submit, it was not sent, and you would not have received the “Submitted Successfully” SMS. Log in, finish the form and submit it.
  • An office applied for you. Applications are also taken at Deputy Commissioner, Assistant Commissioner and PHATA offices. Go back to that office with your CNIC and ask for your Application ID.

If none of these fit, call the toll-free helpline 0800-09100 and ask them to look up your application by CNIC.

If your status is pending or under review

Checks take time. Your application is measured against the official rules on the portal:

  • A Punjab resident with a CNIC, aged 21 to 60 when you applied
  • Registered in the NSER or PSER with a PMT score of 60 or less
  • The sole owner of a plot up to 5 Marla in urban areas or up to 10 Marla in rural areas
  • No criminal record and not a loan defaulter

Your PMT score comes from your household survey record, and our PSER registration check guide shows how to see it. If your status has not moved for several weeks, call 0800-09100 with your CNIC and Application ID.

Approved: what happens next

When your application is approved, your case goes to a loan partner, and the Selected MFI line shows which one. The portal lists four partners: Akhuwat, the Bank of Punjab, the National Rural Support Programme (NRSP) and the Rural Community Development Programme (RCDP).

In an August 2026 Express Tribune report from Vehari, applicants said partner staff visited their plots, took two guarantee cheques and pledged the plots, and accounts were opened at the Bank of Punjab. They also said cases approved between January and June 2026 were still waiting for the first payment. So approval does not always mean the money arrives straight away.

Deal only with the organisation named on your status page, at its own office. If anyone asks for money to approve or release your loan, it is fraud.

Loan paid in tranches, and your installments

As of September 2026, the official portal says:

  • The loan is up to Rs 1.5 million, with no interest.
  • It is paid in tranches (parts), not all at once.
  • You repay it in easy monthly installments over 7 years.

When your second tranche can be requested, the Application Status page shows a Request for 2nd Tranche Release button. You confirm that construction has reached the required stage and upload two photos: a front view of the property and one of the current construction progress (JPG or PNG, up to 1 MB each).

The portal does not publish the monthly installment amount or when repayment starts. Ask your loan partner for your repayment schedule in writing, and keep every receipt.

If the money is approved but stuck at the bank, for example with an OTP error at the counter, read our Apni Chhat Apna Ghar payment guide.

If your application is rejected

A rejection usually means an official rule was not met: a PMT score above 60 or no survey record, a plot not in your name alone or over the size limit, an age under 21 or over 60, or an unpaid loan elsewhere.

  1. Check your account for any remarks that give the reason.
  2. Call the toll-free helpline 0800-09100 with your CNIC and Application ID, and ask which rule was the problem.
  3. If it is a record you can fix, such as an old household survey, fix it first, then ask the helpline whether you can apply again.
  4. If you think the decision is wrong and get no answer, complain on the Pakistan Citizen’s Portal.

If you cannot log in

  • CAPTCHA error. Type the letters exactly, with capitals where shown, or tap reload for a new one.
  • OTP not arriving. It goes to the mobile number and email on your account. If that number no longer works, call 0800-09100.
  • Portal slow. Try again early in the morning or late at night.

Checking is free: stay safe

  • Use only acag.punjab.gov.pk, and check the address bar before you type your CNIC or password.
  • Nobody can get your loan approved or released for money.
  • Never share your OTP or password, even with someone who says they are from PHATA, a bank or a loan partner.
  • As of September 2026, the official portal lists no SMS code for status checks. We could not confirm the codes some websites give.
  • Report anyone asking for money on the Pakistan Citizen’s Portal.

Contact

To see what else your household may qualify for, try our free eligibility checker.

GoPunjab is an independent information website. We are not PHATA or the Punjab government, and we cannot check your status, approve a loan or release a payment. We only explain how to do it yourself, safely.