As of 28 October 2026, there is no official Apni Chhat Apna Ghar list 2026, no "phase 2 list" and no "list 3" or "list 6" PDF on acag.punjab.gov.pk. The only ACAG ballot on record is the launch draw of 5 September 2024. Since then, loans have gone to applicants who pass verification. To know if you are selected, log in to acag.punjab.gov.pk with your CNIC or call 0800-09100. A real ballot result exists only for Apni Zameen Apna Ghar plots, checked by CNIC at azag.punjab.gov.pk.
Every week, thousands of people search for the "Apni Chat Apna Ghar list 2026 phase 2" or an "acag punjab gov pk list 2026 pdf download" in Urdu. They want to know one thing: is my name on the list? This guide explains what is really published, what is not, and how to check your own result safely. We checked the official ACAG and AZAG portals, Punjab government releases and major news on 28 October 2026.
| Detail | Information |
|---|---|
| Official ACAG name list or PDF | Not published on acag.punjab.gov.pk (checked 28 Oct 2026) |
| ACAG ballot (qura andazi) | Launch ballot only, 5 September 2024, all districts |
| How loans are given now | On merit, after verification of your online application |
| How to check your result | Log in at acag.punjab.gov.pk with CNIC and password |
| "Phase 2" in official news | A lending phase: Rs62bn+ for about 65,000 houses, not a list |
| Loans disbursed (portal counter) | 223,547 loans, about Rs291.4 billion (28 Oct 2026) |
| Where a real ballot result exists | Apni Zameen Apna Ghar: azag.punjab.gov.pk/ballot/result |
| Toll-free helpline | 0800-09100 |
| PHATA office numbers | 042-99213419, 042-99213428 |
اپنی چھت اپنا گھر کی 2026 کی کوئی سرکاری فہرست یا پی ڈی ایف جاری نہیں ہوئی۔ اپنا نتیجہ دیکھنے کے لیے acag.punjab.gov.pk پر اپنے شناختی کارڈ نمبر اور پاس ورڈ سے لاگ ان کریں، یا ہیلپ لائن 0800-09100 پر کال کریں۔ واٹس ایپ پر آنے والی فہرستوں پر بھروسہ نہ کریں اور کسی کو فیس ادا نہ کریں۔
What People Mean by the "Apni Chat Apna Ghar List"
The word "list" (fehrist) is used for several different things. Most of the confusion comes from mixing them up.
- The 2024 ballot list. At the launch in September 2024, a computerised ballot was held in every district. This is where the idea of an ACAG "list" started.
- A "phase 2 list". Punjab has described the loans in phases. Phase 1 and phase 2 are amounts of money and numbers of houses, not new name lists.
- "List 3", "list 6" or "5th ballot result". These numbers come from blogs and YouTube channels. We found no matching notice on any official portal.
- The district quota list. The ACAG portal has a District Quota page. It shows numbers of loans per district, not the names of people.
- The AZAG ballot list. Apni Zameen Apna Ghar, the free 3 marla plot scheme, really does select people by ballot. Many searchers mean this scheme.
If you are not sure which scheme you applied for, read our Apna Ghar vs Apni Chhat Apna Ghar comparison first.
Is There an Official ACAG List 2026 PDF?
No. On 28 October 2026, the official portal acag.punjab.gov.pk had no beneficiary list, merit list, ballot result or PDF download. Its menu has only About Program, Eligibility Criteria, District Quota, Contact Us, Register and Login. The home page buttons are for new applications, second instalment requests and changes of loan category.
The only ACAG ballot on record: September 2024
On 5 September 2024, CM Maryam Nawaz launched the programme with a ballot in Dera Ghazi Khan, and balloting was held in all districts. In DG Khan alone, 1,778 people applied and 185 were declared successful. At that time, Daily Pakistan reported that district officials would contact selected people and that deputy and assistant commissioners would display lists in their offices and on their social media pages.
Those 2024 district lists are now more than two years old. Any website offering them as a "2026 list" is selling old news.
How selection has worked since then
From early 2025, the government said loans are given strictly on merit. In January 2025, The Nation reported that applications made on the portal were being checked by three independent microfinance institutions. We found no official notice of any ACAG ballot in 2025 or 2026.
The scale also tells the story. The portal counter showed 223,547 loans disbursed on 28 October 2026. A programme of that size is run through individual applications and verification, not through one public name list.
If a website or WhatsApp group shares an "official ACAG list 2026 PDF", it did not come from acag.punjab.gov.pk. Your own login on the portal is the only place your ACAG result is shown.
What "Apni Chhat Apna Ghar Phase 2" Really Means
People search "apni chat apna ghar list 2026 phase 2" because news reports used the words "second phase". Here is what was actually announced.
| Phase | What official news says |
|---|---|
| First phase | Loans of more than Rs196 billion for over 134,000 houses |
| Second phase | Loans of more than Rs62 billion for about 65,000 houses |
| New funding (19 Oct 2026) | Punjab cabinet approved Rs60 billion so the Bank of Punjab can give 40,000 more housing loans |
These phase figures come from Radio Pakistan (16 September 2026), the state broadcaster. They describe money already lent. They are not a new registration window, and no "phase 2 list" of names was released with them.
Registration for the main loan stays open on the portal, and no closing date has been announced. For dates and deadlines, see our Apna Ghar last date guide.
"List 3", "List 6" and "5th Ballot Result" PDFs
Searches like "apni chat apna ghar list 3 punjab pdf urdu" or "list 6 punjab pdf download" lead to blogs, not to the government. Some of these pages call a document the "5th CM approval" or "5th ballot result". They give no notification number and no official source, and the PDFs are not on acag.punjab.gov.pk.
We could not confirm any numbered ACAG list from the Punjab government, PHATA or PITB. Until one appears on the official portal or in an official press release, treat these files as unverified. Some may be old 2024 district lists with a new title. Others may be made up to collect clicks or CNIC numbers.
How to Check If You Are Selected for an ACAG Loan
Your application has its own account on the portal. That account, not a list, shows where your file stands.
- Type acag.punjab.gov.pk in your browser yourself. Do not use links from WhatsApp or Facebook.
- Click Login at the top of the page.
- Enter your 13 digit CNIC and the password you made when you registered.
- If the portal asks for a One Time Pin (OTP), enter the code sent to your registered mobile number and email. The login page says the OTP expires in 30 minutes.
- Read your application stage on the dashboard. If you forgot your password, use Forgot Password on the same page.
- If something is unclear, call the toll-free helpline 0800-09100 with your CNIC ready.
Keep the mobile number you registered with switched on. The portal sends codes to it, and verification staff or your lender may need to reach you. For a full walkthrough of the dashboard, read our ACAG status check by CNIC guide. If you cannot log in, our login portal guide covers common problems.
Other official ways to get help
- Helpline: 0800-09100 (toll-free). More options are on our helpline numbers page.
- PHATA office: 042-99213419 or 042-99213428, email info@phata.punjab.gov.pk.
- In person: the ACAG login page points applicants to an e-Khidmat Markaz for help.
The Official ACAG District Quota List
The closest thing to an official "district list" is the District Quota page on acag.punjab.gov.pk. It shows how many loans were set aside for each district. It has no names and no date. Its total is 17,500 loans, while more than 220,000 loans have now been given, so it looks like an early allocation rather than a current limit.
| PHATA region | Districts and loan quota | Region total |
|---|---|---|
| Bhakkar | Bhakkar 283, Khushab 243, Layyah 366, Mianwali 307, Muzaffargarh 714 | 1,913 |
| Faisalabad | Chiniot 313, Faisalabad 851, Jhang 451, Sargodha 520, Toba Tek Singh 376 | 2,511 |
| Lahore | Gujranwala 657, Hafizabad 302, Kasur 484, Lahore 1,690, Nankana 314, Narowal 357, Okara 518, Pakpattan 401, Sheikhupura 512, Sialkot 570 | 5,804 |
| Rawalpindi | Attock 287, Chakwal 263, Gujrat 466, Jhelum 225, Mandi Bahauddin 358, Rawalpindi 600 | 2,198 |
| Bahawalpur | Bahawalnagar 454, Bahawalpur 517, Rahim Yar Khan 714 | 1,684 |
| Multan | DG Khan 498, Khanewal 458, Lodhran 380, Multan 726, Rajanpur 368, Sahiwal 443, Vehari 517 | 3,390 |
| Total | 36 districts | 17,500 |
Use this table only to see how the programme was spread across Punjab. It cannot tell you whether you personally were selected.
Apni Zameen Apna Ghar: The Scheme That Does Use a Ballot
Many "balloting result 2026" searches are really about Apni Zameen Apna Ghar (AZAG). This scheme gives free 3 marla plots to landless families, and plots are given by computerised ballot, district by district.
How to check the AZAG ballot result
- Open azag.punjab.gov.pk and click Balloting Result.
- Enter your 13 digit CNIC without dashes.
- Type the CAPTCHA and press Submit.
The page says the balloting "has been successfully conducted" and that eligible applicants can view their result by entering their CNIC. It does not offer a PDF list of names.
AZAG facts we could confirm
- The official District Quota page lists 2,000 plots in 19 districts. The biggest quotas are Jhelum (727 plus 3), Kasur (388), Faisalabad (257) and Lodhran (218).
- The News reported on 14 February 2026 that a computerised ballot gave winners their block and plot numbers. More than 380,000 applications had come in through the portal.
- In Jhelum, 5,942 people applied, 4,303 were found eligible and 730 were picked by ballot. More than 600 allotment letters were handed out (The Nation, 5 July 2026).
- Plot winners can then apply for an Apni Chhat Apna Ghar loan to build their house.
- No AZAG phase 2 has been announced. The portal says timelines "will be communicated through official channels".
Full eligibility and plot rules are in our Apni Zameen Apna Ghar 3 marla plot guide.
Warning: Fake ACAG Lists, PDFs and WhatsApp Messages
Because people are anxious about "the list", fraudsters use it as bait. Watch for these signs.
- A fee to "add your name" or "release your loan". Neither official portal lists any fee for checking a result. Do not send money by JazzCash, Easypaisa or bank transfer to anyone who calls you.
- A PDF that asks you to enter your CNIC on another website. Only enter your CNIC on acag.punjab.gov.pk or azag.punjab.gov.pk.
- WhatsApp numbers posing as the helpline. The helpline is 0800-09100, a toll-free number, not a mobile WhatsApp number.
- Requests for your password or OTP. Never share the code the portal sends you. Real staff do not need it.
- "Last chance" lists with a deadline. No closing date has been announced for ACAG registration.
If you already paid someone, keep the screenshots and payment receipts. Then call 0800-09100 and report the number.
If You Are Not Selected or Your File Is Stuck
Since there is no list, "my name is not on the list" usually means nothing has been decided yet, or the file did not pass verification. Check these points against the official eligibility page:
- You are a Punjab resident with a valid CNIC and aged 21 to 60.
- You are the sole owner of a plot of up to 5 marla in a city or 10 marla in a village.
- You have no criminal record and you are not a loan defaulter.
- Your household meets the income test (up to Rs150,000 a month) or the asset test on the portal.
The portal's table also mentions an NSER PMT score of 60 or less, but which loan it applies to is not clear from the page text. Our PMT score guide explains how to check yours. Keep your plot papers ready using our documents checklist, and plan instalments with the loan calculator. For the full scheme, see the Apni Chhat Apna Ghar scheme guide and the acag.punjab.gov.pk online apply guide.
Latest ACAG News (October 2026)
- 28 October 2026: The ACAG portal counter shows 223,547 loans disbursed worth about Rs291.4 billion, 127,376 houses completed and 64,463 under construction.
- 22 October 2026: The Punjab Housing Department said Rs289.8 billion had been disbursed, 224,320 loans approved and second instalments released to 170,523 families (24 News HD).
- 19 October 2026: The Punjab cabinet approved Rs60 billion for 40,000 more ACAG loans through the Bank of Punjab (Radio Pakistan).
- 16 September 2026: Radio Pakistan reported the phase 1 and phase 2 lending figures when the programme was selected for the UN-Habitat Scroll of Honour.
None of these updates included a list of names. Families who want help from the federal side can compare the PM Apna Ghar programme or the Shahbaz Sharif loan schemes.
Frequently Asked Questions
No. As of 28 October 2026, no official Apni Chhat Apna Ghar list for 2026 has been published on acag.punjab.gov.pk. Loans are given after verification of each application, and you see your own result by logging in with your CNIC.
There is no official ACAG list PDF, in Urdu or English. PDFs shared on blogs or WhatsApp did not come from the official portal. Use your login on acag.punjab.gov.pk or call 0800-09100 instead.
In official news, phase 2 is a lending phase: loans of more than Rs62 billion for about 65,000 houses, after a first phase of more than Rs196 billion for over 134,000 houses. It is not a new list of names or a new registration window.
Yes, once. CM Maryam Nawaz launched the programme with a ballot in all districts on 5 September 2024. Since 2025 the government has said loans are given on merit after verification, and we found no later official ACAG ballot.
These numbered lists appear on blogs and YouTube, not on any official Punjab portal. We could not confirm any of them, so treat them as unverified and never pay or share your CNIC to see one.
Log in at acag.punjab.gov.pk with your 13 digit CNIC and password, and enter the OTP sent to your registered mobile if asked. Your dashboard shows your stage. Keep your registered number active and call 0800-09100 if anything is unclear.
There is no ACAG balloting result for 2026. The balloting result page that does exist belongs to Apni Zameen Apna Ghar, the free plot scheme, at azag.punjab.gov.pk/ballot/result, where you check by CNIC.
Not yet. The AZAG portal lists 2,000 plots in 19 districts and says future timelines will be shared through official channels. No phase 2 registration dates had been announced by 28 October 2026.
Do not pay. The official portals list no fee for checking results. Check your status yourself on acag.punjab.gov.pk and report the number to the helpline 0800-09100.
No. It only shows how many loans were set aside for each of 36 districts, 17,500 in total. It has no names and no date, so it cannot tell you whether you were selected.
Disclaimer: Apna Ghar Guide is an independent information site, not a government website. Always apply through official portals. Information verified from acag.punjab.gov.pk and azag.punjab.gov.pk (28 October 2026), punjab.gov.pk (5 September 2024), Radio Pakistan (16 September and 19 October 2026), The Nation (26 January 2025 and 5 July 2026), The News (14 February 2026), Daily Pakistan (6 September 2024) and 24 News HD (22 October 2026).