ACAG and AZAG Punjab Schemes
ACAG and AZAG Punjab Schemes In 2025, the Punjab government took a remarkable step to support underprivileged and low-income citizens by launching two ambitious housing initiatives—Apni Zameen Apna Ghar (AZAG) and Apni Chhat Apna Ghar (ACAG). These schemes, introduced by Punjab Chief Minister Maryam Nawaz Sharif, are part of a broader plan to ensure that every deserving family in the province has access to secure and affordable housing.
While both schemes are focused on helping the financially vulnerable, they serve two very different needs. One is designed for landless families who lack a place to call home, and the other supports individuals who already own land but cannot afford to build a house. In this complete guide, we will break down everything you need to know about ACAG and AZAG, including their objectives, benefits, eligibility criteria, application process, and most importantly, how to choose the right one for your situation.
You Can Also Read: Apni Zameen Apna Ghar Program Punjab Web Portal
Overview of ACAG and AZAG Housing Schemes
AZAG and ACAG are both part of Punjab’s comprehensive housing initiative for the year 2025. These schemes were launched with the mission to uplift the housing conditions of the underprivileged, ensuring access to basic shelter for every deserving family.
The Apni Zameen Apna Ghar (AZAG) scheme focuses on providing free residential plots to families who do not own any land or house. On the other hand, the Apni Chhat Apna Ghar (ACAG) scheme is tailored for people who own land but lack the financial resources needed to build a home. Both programs operate under different guidelines, offer different benefits, and target different segments of the population.
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What is the AZAG Scheme? (Apni Zameen Apna Ghar)
The AZAG scheme is specifically designed for families that have no land or permanent place to live. The government aims to give such families a solid foundation by offering free 3-marla residential plots, so they can one day build a home of their own.
This scheme has been launched across 19 districts of Punjab and includes 23 dedicated housing projects. Families selected under this scheme are given full ownership rights to the plots without any cost or fees. The selection is done through a transparent balloting system, with priority given to vulnerable segments such as widows, orphans, daily wage earners, persons with disabilities, and people from extremely poor backgrounds.
The verification process uses data from NADRA and the National Socio-Economic Registry (NSER) to ensure transparency and fairness. There are no application or processing fees, making it completely free for eligible applicants.
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Key Highlights of the AZAG Scheme
- Free ownership of 3-marla residential plots
- Targeted at landless families with no property
- 100% cost-free: no application or down payment
- Beneficiaries selected via computerized balloting
- Priority for vulnerable groups: widows, orphans, disabled, laborers
- Launched across 19 districts with 23 housing projects
- Verification through NADRA and NSER databases
What is the ACAG Scheme? (Apni Chhat Apna Ghar)
Unlike AZAG, the ACAG scheme is intended for people who already own land but are unable to build a house due to financial constraints. The Punjab government offers an interest-free loan of up to Rs. 1.5 million under this program, specifically for home construction.
This scheme helps families in both urban and rural areas. Applicants must own a 5-marla plot in urban zones or a 10-marla plot in rural areas. The loan comes with a flexible repayment plan, where the borrower repays Rs. 14,000 per month for 7 years without any interest or hidden charges.
The entire loan process is monitored and verified using NADRA and NSER databases to ensure only genuinely needy applicants are approved. The ACAG scheme is a practical solution for families who already have the land but lack construction financing.
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Key Highlights of the ACAG Scheme
- Interest-free loan of Rs. 1.5 million for house construction
- Repayment terms: Rs. 14,000/month over 7 years
- Land ownership required: 5 marla (urban) or 10 marla (rural)
- Applicable to both urban and rural residents
- No interest, markup, or hidden charges
- NSER and NADRA verification required
- Designed for low-income households who cannot afford home construction
Eligibility Criteria Comparison: AZAG vs. ACAG
Understanding the eligibility criteria is crucial before applying for either scheme. Here’s a detailed comparison to help you determine which scheme you qualify for:
AZAG Scheme Eligibility (For Landless Families)
To qualify for the AZAG scheme, the applicant must:
- Not own any land or property in their name
- Be a permanent resident of Punjab
- Have a monthly household income below Rs. 50,000
- Be registered in the NSER database with a PMT score of 60 or less
- Be at least 18 years old
- Be the head of the family
- Preferably be married
- Have no criminal background or loan default history
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ACAG Scheme Eligibility (For Landowners Needing Construction Loan)
To be eligible for ACAG, the applicant must:
- Own a 5 marla plot in urban or 10 marla plot in rural Punjab
- Be a permanent resident of Punjab
- Have land registered in their own name
- Be NSER verified with a qualifying PMT score
- Have a low household income that meets the scheme’s criteria
Step-by-Step Application Process for ACAG & AZAG
Applying for both schemes is easy and free. You can apply either online or offline, depending on your access to the internet.
Online Application Process
Visit the official websites for the schemes:
- AZAG: https://azag.punjab.gov.pk
- ACAG: https://acag.punjab.gov.pk
Required Documents
- Applicant’s CNIC and spouse’s CNIC
- Domicile certificate or proof of Punjab residency
- Family Registration Certificate (FRC) from NADRA
- Income proof or income affidavit
- NSER verification slip
- Land documents (only for ACAG applicants)
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Offline Application Process
If you’re not comfortable applying online, you can visit your district’s Deputy Commissioner (DC) office. The government has set up free help desks at these offices to assist applicants with:
- Filling out the forms
- Submitting documents
- Checking eligibility
- Getting real-time guidance without any fees
Which Scheme Should You Apply For?
Choosing the right scheme depends on your current housing situation:
- If you don’t own any land or property, the AZAG scheme is best for you. It gives you the chance to own a residential plot and start your journey toward homeownership.
- If you own land but can’t afford to build a home, the ACAG scheme offers the financial support you need through an interest-free loan with manageable monthly repayments.
These two schemes serve different purposes and do not overlap. Instead, they complement each other by helping two different groups of people. The government’s goal is to leave no family behind—whether they need land or financial help to build a home.
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Conclusion
The ACAG and AZAG Punjab Housing Schemes 2025 are well-thought-out initiatives aimed at transforming the lives of thousands of low-income families across the province. Whether you need a place to start building your future or just need help completing the home you’ve dreamed of, one of these schemes is likely the right fit for you.
With simple eligibility checks, free applications, and no hidden fees, the Punjab government has made these programs accessible and transparent for everyone in need. Make sure you understand your eligibility, collect your documents, and apply through the official channels to benefit from these life-changing schemes.