Merge two files whose names are given in other file

Hi,

I have a pointer file ptr.txt.
There may be any number of files mentioned in the ptr.txt file
eg: cat ptr.txt
/home/abc.txt
/home/pqr.txt
/home/xyz.txt

I have to read this pointer file and merge the files given in the pointer file
so that final file say "file_final" will have contents of abc.txt , pqr.txt and xyz.txt one below other.

This i have to do in a shell script.
Can anyone help me on this?

Thanks,
H

for i in `cat ptr.txt`
do
  cat $i >> file_final
done