Apni Zameen Apna Ghar Program
The Punjab government has launched the Apni Zameen Apna Ghar scheme on the special instructions of Chief Minister Maryam Nawaz Sharif, which aims to provide free three-marla plots to poor and deserving families. If you are poor and deserving and want to join the Apni Zameen Apna Ghar scheme and get a different three-marla plot, then the biggest good news for you is that the online registration process has started in this program. Addressing the inaugural ceremony, Maryam Nawaz said that Apni Zameen, Apna Ghar is the fulfillment of my dream. Work will continue for the deserving and needy people of Punjab. A plan has been started to provide plots to homeless and landless people. 2,000 plots will be given under the scheme. Punjab Chief Minister Maryam Nawaz Sharif has launched a housing initiative titled Apni Zameen Apna Ghar which aims to provide free residential plots to the poor and homeless people across the province.
As a major step towards realising her vision of housing for all, Chief Minister Maryam Nawaz introduced the “Apni Zameen Apna Ghar” programme in early 2025. The scheme provides free 3 marla residential plots to low-income residents of Punjab, with the additional facility of “interest-free construction loans. In the first phase, the scheme will provide 1,892 free plots in 23 housing schemes in 19 districts, including Attock, Bahawalnagar, Bahawalpur, Bhakkar, Chiniot, Faisalabad, Gujrat, Jhang, Jhelum, Kasur, Khushab, Layyah, Lodhran, Mandi Bahauddin, Okara, Rajanpur, Sahiwal, Sargodha and Vehari. Coverage is expected to be expanded to all districts of Punjab in further phases. The provincial government aims to construct 100,000 houses within 4.5 years, benefiting poor and middle-income families.
The scheme provides free ownership of 3 marla plots to eligible families, interest-free construction loans of up to Rs 1.5 million, repayable at Rs 14,000/month over seven years. A transparent voting system for allotment of plots, monitored by an eight-member district-level committee.
Eligibility Criteria for Apni Zameen Apna Ghar Scheme
To qualify for the Apni Zameen Apna Ghar program, applicants must meet the following conditions:
- Permanent Resident of Punjab: The applicant must be a permanent resident of Punjab and can only apply for a plot in their native/home district.
- No Property Ownership: The applicant must not own any property (land, house, etc.) anywhere in Pakistan.
- Low Monthly Income: The household’s total monthly income should be less than Rs. 50,000.
- Minimum Age: The applicant must be 18 years or older.
- No Criminal Record: The applicant should not have any criminal background or history of being a loan defaulter.
- Apply Through Government Portals: All applications must be submitted only through official government portals. No manual or offline submissions are accepted.
How to Apply Online for Apni Zameen Apna Ghar Scheme at azag.punjab.gov.pk
The application process for the Apni Zameen Apna Ghar initiative is designed to be fully online, transparent, and user-friendly. All applications are submitted through the official Punjab government portal. Here’s a complete, step-by-step guide to help you register successfully:
Step 1: Access the Official Website
Start by visiting the official portal of the Apni Zameen Apna Ghar scheme at azag.punjab.gov.pk. Once there, locate and click on either the “Register Now” or “Apply Now” button to begin.
Step 2: Select the Registration Option
On the homepage, you will see two options: Login and Register Now. If you don’t already have an account, click on the “Register Now” button. This will open the application registration form.
Step 3: Fill in Your Basic Information
In this section of the form, you need to provide the following details:
- CNIC number
- Full name
- Valid email address
- Select your telecom provider (Jazz, Telenor, Ufone, Warid, or Zong)
- Phone number registered under your CNIC
- Create a password and confirm it
- Click on the “Register” button to proceed
Step 4: Verify Your Email Address
You will receive a verification email on the provided address. Go to your inbox and click on the “Verify Email” button to activate your account. This step is necessary to complete your registration.
Step 5: Access the Dashboard and Accept Terms
Log in to your newly created account. Confirm whether you’re a permanent resident of Punjab and fill in the required fields. Then click on “Submit” to move to the next phase.
Step 6: Provide Personal and Residential Details
Now enter your:
- Full name
- Father’s or husband’s name
- CNIC number
- Date of birth
- Gender (male/female)
- Marital status (single, married, divorced, or widowed)
- Email address
- Division, district, tehsil
- Complete residential address
Click “Next” once done.
Step 7: Job and Property Declaration
In this step, specify whether you own any property in Pakistan and describe your occupation or source of income.
Step 8: Household and Income Information
List the total number of household members, dependents, and the combined family income.
Step 9: Current Residence and Construction Loan Request
Answer the following:
- Are you currently living in a rented home?
- Have you participated in any other federal or provincial housing schemes?
- Do you want a loan under the Apni Chhat Apna Ghar program?
- If yes, how much loan do you require?
Step 10: Upload Required Documents
Upload the following documents clearly:
- A recent photo of the applicant
- Front and back photos of your CNIC
- Proof of income (if any)
- Domicile certificate
Click “Next” to continue.
Step 11: Review and Final Submission
Finally, carefully check all the details you’ve entered. Once satisfied that everything is correct, click the submit button. You’ll receive a unique application number which you can use to track your application status.
Remember, when you go to the official website to apply for the Apni Zameen Apna Ghar program. You will see an interface like the one given below. And I have explained the method of filling them step by step. So this article is complete so that you do not make any mistake anywhere and you can easily apply to get a free plot of three marla.
Important Note: All applications are thoroughly verified by PHATA (Punjab Housing and Town Planning Agency). Only those who meet the eligibility criteria will proceed to the balloting stage for free residential plot allotment.
Documents Required for Azag Registration
I have told you before that the method of applying in this scheme is very easy. But if you have applied and made any mistake then you will miss this opportunity. So keep all the documents ready before applying. If you do not have any of these documents then you may fail to apply. So be careful while registering and make this article mandatory from beginning to end.
- CNIC (Self + Spouse)
- Latest passport-sized photo
- Proof of income (salary slip, etc.)
- Family Registration Certificate (FRC)
- Recent utility bill (gas/electricity)
- Rental agreement (if applicable)
List of Districts & Number of Plots Allocated – Phase 1
The first phase includes 2,000 plots across 23 schemes in 19 districts:
| S.No | District | Scheme Names | No. of Plots |
| 01 | Jhelum | ADS-IV & ADS-I | 727 & 3 |
| 02 | Kasur | ADS Pattoki | 388 |
| 03 | Faisalabad | ADS Mamukanjan | 257 |
| 04 | Lodhran | ADS Lodhran | 218 |
| 05 | Okara | ADS Renal Khurd I & ADS Okara | 128 & 2 |
| 06 | Layyah | 03-Marla Housing Scheme (Extension) | 55 |
| 07 | Bhakkar | ADS-II & 3-Marla Scheme | 36 & 16 |
| 08 | Sahiwal | 03-Marla Housing Scheme | 33 |
| 09 | Sargodha | 3-M Sillan Wali | 25 |
| 10 | Khushab | 03-Marla Scheme Jauharabad | 24 |
| 11 | Bahawalnagar | ADS Bahawalnagar | 20 |
| 12 | Mandi Baha-Ud-Din | ADS-Mandi Baha-Ud-Din | 17 |
| 13 | Rajanpur | ADS Rajanpur | 15 |
| 14 | Attock | ADS Hazro | 11 |
| 15 | Gujrat | 03-Marla H.S. | 8 |
| 16 | Bahawalpur | ADS-I (Extension & Existing) | 6 & 1 |
| 17 | Vehari | 03-Marla Vehari | 4 |
| 18 | Jhang | ADS Jhang | 4 |
| 19 | Chiniot | ADS Chiniot | 2 |
Remember that Total Plots in Phase 1: 2,000
What Happens After Application Approval?
If your application is approved:
- You’ll receive an SMS notification
- Your portal status will change to Approved
- Your entry will be added to the balloting process
- If selected, your plot number and scheme name will be shared
- You will receive official ownership documents
It’s important to keep your mobile number active and check your status regularly
Terms and Conditions of Apni Zameen Apna Ghar Allotment
Once a residential plot is allotted under the Apni Zameen Apna Ghar scheme, the applicant must follow these important rules:
Construction Timeline
- Construction must start within 6 months after getting possession of the plot.
- The house must be completed within 2 years of the possession date.
Restrictions on Sale or Transfer
- The plot cannot be sold, transferred, or leased for at least 5 years.
- This condition ensures that the plot is used only for personal housing, not for business or profit.
Residential Use Only
- The plot is for residential use only. Any commercial activity or unauthorized construction is strictly prohibited.
Non-Compliance Consequences
- If the owner fails to meet the construction deadline or violates any rule, the plot can be canceled after a 30-day notice.
- In case of cancellation, the plot will be taken back by PHATA, and no compensation will be given.
Inspection and Monitoring
- PHATA officials have the right to inspect the plot at any time.
- If any rule is broken, immediate action will be taken by the department.
Dispute Resolution
- All disputes or issues related to the plot will be handled by the Grievance Redressal Committee (GRC) of PHATA.
These terms are designed to ensure that the plots are given only to those in real need of shelter and who will use them to build homes, not to profit through selling or misuse.
Key Features of Apni Zameen Apna Ghar Program
| Feature | Details |
| Scheme Name | Apni Zameen Apna Ghar |
| Plot Size | 3-Marla Residential Plot |
| Cost | Absolutely Free |
| Application Mode | Online via azag.punjab.gov.pk |
| Target Beneficiaries | Homeless, Landless, Widows, Laborers, Orphans |
| Districts Covered | 19 Districts (Phase 1) |
| Allotment Process | Transparent Balloting System |
| Ownership Conditions | No resale for 5 years, must build home in 2 years |
Conclusion
The Apni Chhat Apna Ghar Program 2025 is a golden chance to turn your dream of owning a house into a reality. By offering free 3-marla residential plots and interest-free construction loans to deserving families, the government aims to uplift the lives of low-income citizens and bring the dream of homeownership within their reach. With transparent balloting, district-level oversight, and a clear eligibility framework, the program sets a new standard for inclusive development in Punjab.
As the scheme expands across all districts, it promises long-term impact empowering thousands of families with not just land, but dignity, stability, and a better future. If you meet the eligibility criteria, don’t miss this chance. Apply through the official portal azag.punjab.gov.pk and take your first step toward a home of your own.
Frequently Asked Questions (FAQs)
How can I apply for the Apni Zameen Apna Ghar Program?
Visit azag.punjab.gov.pk, enter your CNIC and mobile number, fill in your details, and upload the required documents.
How do I check my AZAG application status?
Go to the portal, enter your CNIC or Application ID, and click submit to view your current status.
Who is eligible to apply?
Only permanent residents of Punjab who belong to low-income or homeless families and do not own any other property in Pakistan.
What happens if my application is approved?
You’ll be entered into the balloting process, and if selected, you’ll be allotted a plot and issued official documents.
I live in Punjab but originally belong to another province. Am I eligible to apply?
No. Only individuals who are permanent residents of Punjab as per their CNIC can apply for this scheme.
What if I submit false or incorrect information in my application?
Submitting misleading or fake information will result in immediate disqualification, even if you are selected during the balloting process.
Are women allowed to apply for this housing program?
Absolutely. The scheme is open to both men and women, including widows, divorced women, and single mothers.
Can I sell or transfer my plot after receiving it?
No. The plot cannot be sold, rented, or transferred for at least 5 years. Violations may lead to cancellation.