The Punjab government, under Chief Minister Maryam Nawaz Sharif, launched the Apni Zameen Apna Ghar Scheme in May 2025 to give low-income families a chance to apply for a 3 Marla plot. These free residential plots, valued at 18 to 25 lakh Pakistani Rupees, aim to support homeless citizens across the province, laying a strong foundation for a better, stable future.
Through the e-portal launched in May, applications are being accepted within a limited registration period that will end at the announced deadline. Families are encouraged to apply early, as the program also provides interest-free loans to help them construct property, making real ownership accessible for the underprivileged.
Overview of Apni Zameen Apna Ghar Scheme
Here are the key highlights of the Apni Zameen Apna Ghar Scheme
- Free 3 Marla plots worth 18 to 25 Lakh Pakistani Rupees.
- E-portal live from May 1, 2025 at azag.punjab.gov.pk.
- Registration open for one month only.
- 2,000 plots distributed across 23 housing schemes in 19 districts.
- ₹36 billion interest-free loan fund for house construction.
- Priority given to orphans, widows, disabled persons, and laborers.
Key Highlights of the Scheme
- Scheme Name: Apni Zameen Apna Ghar Scheme Housing Scheme
- Monthly Installment: Only Rs. 12,000 per month Apni Zameen Apna Ghar Scheme
- Immediate Possession: Buyers get quick access to plots and houses
- Construction: Fast-track building process without long delays
- Target Audience: Middle-class families, salaried individuals, and low-income groups
How the Scheme Works
- Registration: Citizens can apply by submitting their CNIC and application form.
- Approval: Applications are verified based on eligibility and income level.
- Allotment: Immediate allotment of plots and houses for successful applicants.
- Monthly Installment: Easy payment plan of Rs. 12,000 per month.
- Construction: Houses are built quickly to ensure families move in without delays.
A Lifeline for the Poor
The CM Maryam Nawaz Vision for theApni Zameen Apna Ghar Scheme is seen as an extension of the earlier Apni Chhat Apna Ghar initiative, which already helped thousands of families build safe homes. This new project by the Punjab government marks a significant step toward ending homelessness, offering land ownership as a key component in the broader plan to empower marginalized and vulnerable sections of society.
At the official launch, the Chief Minister stressed the importance of providing housing security for populations in need. The scheme is part of a massive ongoing effort to construct homes for the underprivileged, with over 34,000 completed and another 2,000 expected within the next six months, reflecting the government’s dedication to long-term solutionTop of Form
Plot Distribution Locations
The first phase of Apni Zameen Apna Ghar Scheme the plot distribution will focus on the following districts:
- Jhelum
- Pattoki
- Mamun Kanjan
- Lodhran
- Renala Khurd
- These districts were selected based on housing demand and the availability of government land, with plans for further expansion in the subsequent phases.
Eligibility Criteria
To ensure that the scheme benefits those who need it the most, the eligibility criteria for applicants are as follows:
- You must be a permanent resident of Punjab.
- You should not own any property in Pakistan.
- You need to be registered with the National Socio-Economic Registry (NSER).
- Your family’s monthly income should be below ₹50,000.
- Widows
- Orphans
- Differently-abled individuals
- Daily wage laborers
The NSER registration ensures the scheme targets the low-income population with precision and fairness.
How to Apply for Apni Zameen Apna Ghar Housing Scheme
- Visit the Official Website: Go to the Punjab Government’s official portal
- Download Application Form: Get the form online or collect it from designated housing offices in Punjab.
- Fill Out the Form: Enter your personal details, CNIC number, family income, and contact information.
- Attach Required Documents
- Copy of CNIC
- Proof of income/salary slip
- Utility bill for address verification
- Passport-size photographs
- Submit Application: Submit at the nearest housing department office or upload via the online portal.
- Verification Process: The government verifies applications based on eligibility and financial status.
- Allotment & Possession: Once approved, you’ll receive immediate possession and start paying the Rs. 12,000 monthly installment.
Benefits of Apni Zameen Apna Ghar
- Affordable Housing: Low installment plan suitable for middle-income families.
- Quick Allotment: No long waiting period for possession.
- Secure Ownership: Government-backed housing scheme ensures transparency.
- Better Lifestyle: Access to planned communities with modern facilities.
Who Can Apply?
- Salaried individuals with stable income
- Government employees
- Low-income and middle-income families
- First-time home buyers
Offline Application Support:
- Visit the nearest Deputy Commissioner (DC) Office.
- Find the Apni Zameen Apna Ghar Scheme registration desk.
- Get guidance from the staff to fill out and submit your application.
All applications, whether online or in-person, will be verified and processed by the local authorities.
Last Date to Apply for Azag Punjab
The registration for Apni Zameen Apna Ghar Scheme period is from May 1, 2025, to May 31, 2025. Since the first phase offers only 2,000 plots, early application is essential to secure a plot. No official extension has been announced, so applicants are urged to apply before the end of May 2025.
Construction Support Through Interest-Free Loans
In addition to providing land, the government is offering a ₹36 billion loan fund to help beneficiaries build their homes:
- Interest-free loans for construction.
- Affordable monthly installments.
- Government-supervised disbursement and verification.
- Apni Zameen Apna Ghar Scheme
This financial support ensures that the land ownership process is followed by home construction, turning land into livable homes.
Program Progress and Future Expansion
The success of this initiative is evident with over 2,000 homes completed and nearly 34,000 under construction, showing the government’s swift progress and the project’s viability. Such achievements highlight not only immediate relief but also the long-term potential of the program.
This first phase is seen as a precursor to the next phases, where plans are in place to expand eligibility and coverage across more districts of Punjab, ensuring that a greater number of families benefit from secure housing and land ownership.
Conclusion
The Apni Zameen Apna Ghar Scheme is not just about land — it’s about stability, dignity, and empowerment. This project offers free plots and financial assistance for construction, helping families build a better future. Eligible applicants are encouraged to apply before the deadline and become part of this life-changing initiative.The Apni Zameen Apna Ghar Scheme Housing Scheme 2025 is a golden opportunity for families who dream of owning their own house. With just Rs. 12,000 monthly installments, immediate possession, and fast construction, the scheme removes financial barriers and provides a secure path to homeownership.
You can also read this CM Punjab Himmat Card 2025: A Step Towards Disability Empowerment
FAQs
What is theApni Zameen Apna Ghar Scheme?
It’s a Punjab government initiative offering free 3 Marla plots and interest-free loans to low-income families for home construction.
Who is eligible to apply for this scheme?
Permanent Punjab residents with no property, NSER registration, and income below ₹50,000 can apply.
What is the last date to apply for a 3 Marla plot?
The last date to apply is May 31, 2025; no extension has been announced yet.
How can I apply online for the scheme?
Visit https://azag.punjab.gov.pk, register with your CNIC, fill out the form, and upload the required documents.
Will plot owners get help to build their homes?
Yes, the government offers interest-free loans for home construction through a ₹36 billion support fund.
Which districts are included in the first phase of the scheme?
Plots will be distributed in Jhelum, Pattoki, Mamun Kanjan, Lodhran, and Renala Khurd.
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