Apni Chhat Apna Ghar Winner List 2025
The Punjab Government has officially announced the Apni Chhat Apna Ghar Winner List 2025 under the Maryam Nawaz Loan Scheme. This announcement brings great relief to thousands of low-income families who applied for the 15 lakh rupees interest-free home construction loan. The program is designed to help families across Punjab who own land but lack the financial means to build their own houses. With the release of the winner list, beneficiaries can now easily check their approval status online and move toward receiving their loan.
This housing loan initiative is part of the broader vision of Punjab Chief Minister Maryam Nawaz Sharif to ensure every deserving family in Punjab has access to decent housing. Through the Apni Chhat Apna Ghar (ACAG) Program, families are being empowered to build permanent and safe homes, improving their quality of life and reducing financial instability.
Purpose of the Apni Chhat Apna Ghar Loan Scheme
The Apni Chhat Apna Ghar Loan Scheme aims to provide a long-term housing solution for the financially struggling population of Punjab. Many families possess small pieces of land but cannot afford construction expenses. The government’s solution is to provide interest-free loans of up to Rs. 1,500,000 so they can finally build their own homes without relying on private lenders.
This scheme also focuses on social uplift and economic stability. Families who build homes will have better living conditions, enhanced security, and a sense of ownership. The government’s interest-free approach ensures that beneficiaries repay only the original amount without the burden of extra financial charges.
Key Features of the Maryam Nawaz Loan Scheme
The Maryam Nawaz Loan Scheme 2025 under the ACAG initiative includes several benefits that make it unique among government welfare programs. The scheme is transparent, simple, and focused on deserving families only.
- Loan amount of up to Rs. 1.5 million for building homes on owned land.
- Completely interest-free, with easy monthly installments spread over seven years.
- The first three installments are waived to help families start construction easily.
- About 70,000 families will benefit in the first phase.
- Only Punjab residents with valid land ownership can apply.
These features make the program one of the most practical housing initiatives introduced by the provincial government in recent years.
Eligibility Criteria for the Scheme
The Punjab Government has defined clear eligibility requirements to ensure only qualified and deserving families receive financial assistance. Applicants must meet specific land ownership and income criteria.
- The applicant must be a permanent resident of Punjab.
- The family should own at least 5 marlas of land in an urban area or 10 marlas in a rural area.
- The applicant should not already own a constructed home.
- Applicants must not be defaulters of any previous bank or government loan.
- False or incomplete information will lead to immediate disqualification.
These conditions make sure that assistance is directed toward genuine low-income families who truly need the support.
How to Check Your Name in the Winner List
The Apni Chhat Apna Ghar Winner List 2025 has been uploaded to the official ACAG portal. Successful applicants can easily check their names through an online process using their CNIC and district details.
- Visit the official website at https://acag.punjab.gov.pk/Layouts/BallotingResults.aspx
- Choose the “5th Approval” option from the drop-down menu.
- Select your district name from the list.
- Scroll down to see the winner list displayed on the screen.
- Search for your name in the list carefully.
If your name is not in the displayed list, it does not mean rejection. Applicants can log in to their personal dashboard to see whether their application is under verification or has been approved for a later phase.
Application Status Through Dashboard
Applicants whose names are not yet in the winner list can still check their individual application status. This feature ensures transparency and keeps applicants informed about their progress.
- Go to the ACAG portal at acag.punjab.gov.pk
- Click on the login button on the homepage.
- Enter your CNIC number, password, and captcha code.
- Click submit to access your dashboard.
- Your application status will be displayed as Approved, Verifying, or Ineligible.
This user-friendly system helps families stay updated without needing to visit government offices or wait for manual updates.
Loan Amount, Repayment, and Benefits
Under the Maryam Nawaz Loan Scheme 2025, every eligible family can receive up to Rs. 15 lakh for building a new home. The repayment plan has been designed to be easy and manageable.
| Feature | Details |
|---|---|
| Loan Amount | Rs. 1,500,000 (15 lakh) |
| Interest | Completely interest-free |
| Repayment Duration | 7 years (84 months) |
| Monthly Installment | Rs. 14,000 |
| First 3 Installments | Waived off |
The waiving of the first three installments gives families breathing space to focus on construction expenses before regular repayments begin. This makes the scheme both humane and practical.
Documents Required for Verification
Providing valid and accurate documents is a vital part of the application and approval process. Applicants must ensure all records are up-to-date and genuine.
- Original CNIC of the applicant issued by NADRA.
- Proof of property ownership (5 marlas urban or 10 marlas rural).
- Income certificate or verification of low-income status.
- Recent electricity bill of the household.
- Passport-sized photograph of the applicant.
- Registered mobile number for receiving updates.
Submitting incorrect or incomplete information may lead to disqualification, so applicants are advised to double-check their details before submission.
Impact of the Loan Scheme on Families
This program has already started changing lives across Punjab. Thousands of families who were previously unable to build homes due to financial limitations now have a real chance at owning a permanent residence. The 15 lakh rupees interest-free loan ensures that the repayment burden remains minimal, allowing beneficiaries to build without financial stress.
It also promotes community development and contributes to the housing sector’s growth in the province. By encouraging construction and ownership, the scheme not only benefits individuals but also supports local labor and small businesses related to building materials.
Also Read: BISP Kafalat October 2025 Payment Status Check Via Online And Call Using ID Card Full Guide
Importance of Checking the Winner List
Checking the winner list is an essential step for every applicant. It determines whether the application has been approved or is still under review. Applicants whose names appear in the list can proceed to complete the loan disbursement formalities. Those not listed yet should remain patient as new phases continue to be announced.
This transparent selection process ensures fairness. Every family that meets the eligibility criteria has an equal chance to receive the loan. The verification and balloting process are handled digitally to avoid any manual errors or favoritism.
Future Phases and Expansion Plans
The Punjab Government has announced that more phases of the Apni Chhat Apna Ghar Program will follow, allowing more families to benefit. The success of the first phases has encouraged the government to expand the initiative to additional districts.
This expansion will not only increase the number of beneficiaries but also enhance Punjab’s overall housing development. Families that were not selected in the current list may be eligible for future approvals, so staying updated through the official website is crucial.
Final Words
The Apni Chhat Apna Ghar Winner List 2025 represents a major step toward making affordable housing a reality for Punjab’s underprivileged families. Through the Maryam Nawaz Loan Scheme, the government is offering more than just a loan—it is providing an opportunity for dignity, security, and a brighter future.
Applicants should carefully follow the official process to check their names and complete further formalities. Those who are not yet approved should stay positive as upcoming phases will continue to include more eligible families. The government’s transparent digital process ensures that every deserving applicant gets a fair chance to build their dream home.
Also Read: BISP 8171 SMS Not Received Issue And Alternative Methods To Check Status for Beneficiaries
FAQs
1. What is the Apni Chhat Apna Ghar Winner List 2025?
It is the official list of approved applicants who have qualified to receive the 15 lakh rupees interest-free housing loan in Punjab.
2. How can I check my name in the winner list?
You can visit the ACAG official website, select the 5th approval option, choose your district, and scroll to find your name in the displayed list.
3. What should I do if my name is not on the winner list?
Log in to your account on the ACAG portal using your CNIC and password to check if your application is still under verification or marked ineligible.
4. What documents are required to apply for the loan?
Applicants need their CNIC, proof of land ownership, income certificate, electricity bill, and a passport-sized photo.
5. How much loan amount is offered under this scheme?
Each eligible family can receive up to Rs. 1,500,000, repayable over seven years, with no interest and the first three installments waived.