Is Your Name in the List? Apni Zameen Apna Ghar Digital Balloting Update 2026

The dream of owning a home is finally becoming a reality for thousands of families in Punjab. The Chief Minister’s Apni Zameen Apna Ghar Digital Balloting Update 2026. This scheme is designed specifically for those who have their own land but lack the funds to build a solid roof over their heads. By providing interest-free loans and easy installments, the government is making sure that the poor and middle-class citizens can live with dignity in their own houses.

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Feature Detail	Information Summary
Program Name	Apni Zameen Apna Ghar
Total Loan Amount	Up to 1.5 Million (15 Lakh)
Interest Rate	0% (Interest-Free)
Payment Duration	7 Years
Monthly Installment	Approx. Rs. 14,000
Digital Balloting	Conducted for selection
Target Area	All Districts of Punjab
Official Website	acp.punjab.gov.pk

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What is the Apni Zameen Apna Ghar Digital Balloting?

The digital balloting is a transparent process used to select lucky winners from a massive pool of applicants. Since millions applied for this scheme, the Punjab government decided to use a computerized system to ensure fairness. If you applied recently, your fate depends on this draw. The best part is that the process is monitored by top officials to avoid any favoritism, ensuring that only deserving people get the financial boost they need to start construction.

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How to Check Your Name in the AZAG Lucky Winners List

Checking your result is very easy and can be done from home using a mobile phone.

Visit the official Punjab government housing portal
Enter your 13-digit CNIC number (without dashes)
Click on “Check Result”
Your status will appear on the screen
If selected, you can also download the district-wise PDF list

This online system saves time and money, especially for people living in villages.

Eligibility Criteria for This Housing Scheme

Not everyone can apply for this specific loan. The government has set some strict rules to make sure the money reaches the right hands.

You must own a plot of up to 5 marla in urban areas or 10 marla in rural areas.
This is for low-income families who cannot afford bank high-interest rates.
The applicant must have a valid CNIC and be a permanent resident of Punjab.
You should not be a defaulter of any bank or financial institution.

Apni Zameen Apna Ghar Process After Selection

If your name appears in the digital balloting, congratulations! But the work doesn’t stop there. You need to follow these steps to get the money in your account:

Verification of your land documents by the local revenue department.
Submission of a simple house map and construction plan.
Signing the loan agreement with the designated bank.
Receiving the first installment to start the foundation work.
Regular inspections by the team to monitor construction progress.

Key Benefits of the CM Punjab Housing Program

This initiative is a game-changer for the local construction industry and the common man. It provides a cushion against the rising prices of cement, bricks, and labor.

No Interest: You only pay back the principal amount, which is a huge relief.
Long Tenure: Seven years is a long time, making the monthly burden very low.
Direct Transfer: The money goes straight to your bank account to avoid “commission” culture.
Ease of Access: The digital system makes it easy for villagers to apply without traveling to cities.

Helpline and Contact Information

If you face any issues while checking your name or if you haven’t received your installment, you can contact the official team. They are ready to guide you through the technical process.

Helpline Number: 0800-02345
Official Website: https://acp.punjab.gov.pk/
Head Office: PITB, Arfa Software Technology Park, Lahore.

Final Words

The Apni Zameen Apna Ghar digital balloting is a transparent and hopeful step for the people of Punjab. It removes the barriers of high interest and complex paperwork. If you have been selected, make sure to use the funds honestly for construction. For those who didn’t make it this time, don’t lose heart, as more phases are expected to launch soon. Always stay updated by visiting the official government portals.

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FAQs

How much loan can I get under this program?

Eligible applicants can receive a total of 1.5 million (15 Lakh) rupees. This amount is released in installments as your house construction progresses.

Is there any hidden fee for the balloting?

No, the digital balloting is completely free and merit-based. You should never pay anyone who promises to get your name on the list for money.

Can I apply if I don’t own any land?

No, this specific scheme is only for those who already own a small plot (5-10 marla) but don’t have the money to build a house.

What is the monthly installment for this loan?

The installment is kept very low, around Rs. 14,000 per month, so that even a daily wage worker can easily manage his household expenses while paying it back.