Apni Zameen Apna Ghar 3 Marla Scheme
Apni Zameen Apna Ghar 3 Marla Scheme In a landmark move to address homelessness in Punjab, Chief Minister Maryam Nawaz Sharif has launched the Apni Zameen Apna Ghar scheme, aimed at giving free 3-marla residential plots to underprivileged families. This program, inspired by the success of the “Apni Chhat Apna Ghar” initiative, sets a new benchmark in social welfare, aiming to provide not just housing, but dignity and stability to the province’s most vulnerable citizens.
This initiative is a powerful message from the Punjab government that every deserving family deserves a place to call their own. Through this scheme, applicants who meet strict eligibility criteria can receive plots free of cost in designated districts, with additional support in the form of interest-free loans to help construct their homes. With the official portal now active, applications are being accepted online, simplifying the process and ensuring maximum reach.
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CM Maryam Nawaz Vision Shelter for Every Family
CM Maryam Nawaz has outlined housing as a basic human right and a priority for her administration. The Apni Zameen Apna Ghar initiative focuses not only on plot distribution but also on sustainable housing development. Already, 2,000 homes have been completed in the initial six months, and 34,000 more are currently under construction. Every day, 300 houses are being built, showing the speed and seriousness of the government’s effort.
In her launch speech, CM Maryam emphasized that the scheme will serve as a long-term solution to homelessness, especially for those who have been historically neglected. She personally pressed the button to launch the e-portal, allowing eligible citizens to start submitting their applications immediately.
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Who Can Apply? Eligibility Requirements Explained
The government has clearly defined who is eligible to apply for a free 3-marla plot, ensuring that the scheme remains transparent and targets the truly deserving segments of society.
Eligibility Criteria:
- Must be a permanent resident of Punjab
- Applicant must not own property anywhere in Pakistan
- Must be registered in the National Socio-Economic Registry (NSER)
- Household income must be less than Rs. 50,000 per month
Priority Beneficiaries Include:
- Widows with no other form of support
- Orphans who are in need of shelter
- Persons with disabilities
- Laborers and daily wage earners struggling with housing
These criteria ensure that the program genuinely benefits the lower-income and most marginalized segments of the population. Applicants meeting these conditions are encouraged to apply either online or in person through government-designated offices.
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Districts Selected for Phase 1 Plot Distribution
To begin with, the scheme will cover 19 districts across Punjab under 23 dedicated housing schemes. This ensures even geographical distribution and gives multiple regions equal opportunity for inclusion. The following are among the first districts selected:
- Jhelum
- Pattoki
- Mamun Kanjan
- Lodhran
- Renala Khurd
More districts are expected to be added as the scheme expands in future phases. Each of these areas already has land earmarked for development, meaning successful applicants can begin construction sooner than later.
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How to Apply Online or In Person
To make the process easier for everyone, the Punjab government has developed an online application portal where candidates can submit their information digitally. For those without internet access, in-person help desks have been established at Deputy Commissioner Offices.
Steps to Apply Online:
- Visit the official portal: azag.punjab.gov.pk
- Register or log in to your account
- Fill out the application form with accurate personal details
- Upload supporting documents such as CNIC, NSER proof, and income statement
- Submit the application and note the tracking number
Offline Application Option:
- Go to your nearest Deputy Commissioner Office
- Look for the Apni Zameen Apna Ghar Help Desk
- Fill out and submit your application with the help of support staff
Both methods are fully supported, and the government is taking measures to ensure transparency and quick response to all applications.
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Financial Assistance Interest-Free Loans for Construction
One of the most impactful features of this program is the financial support offered to successful applicants. Rs. 36 billion have been allocated to help 33,500 families build homes on the plots they receive. The loans are entirely interest-free and come with affordable installment plans, designed specifically for low-income households.
This ensures that once you are allotted a plot, building your house does not become a burden. Repayments are structured over time, allowing families to construct their homes while maintaining their basic needs.
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Final Thoughts
The Apni Zameen Apna Ghar Scheme is not just a policy decision it’s a transformative initiative that redefines housing in Punjab. By offering land, construction support, and financial ease, the government is ensuring that low-income families no longer dream of a home they live in one.
If you or someone you know qualifies, don’t wait. This program is a life-changing opportunity, and with the process being so simple and transparent, it’s easier than ever to claim your right to shelter.