Apni Zameen Apna Ghar Scheme
Apni Zameen Apna Ghar Scheme Punjab government has officially launched the Apni Zameen Apna Ghar Scheme E-Portal, opening a new chapter for low-income families across the province. Spearheaded by Chief Minister Maryam Nawaz Sharif, this welfare initiative provides free 3-marla residential plots and interest-free construction loans to those who have no roof over their heads. In a time when housing has become increasingly unaffordable for the common man, this program aims to give hope and ownership to the most deserving residents of Punjab.
The Apni Zameen Apna Ghar Scheme is a flagship housing project designed for landless and low-income families in Punjab. Its main purpose is to provide shelter, security, and dignity to those who have been living in rented houses, temporary shelters, or with relatives due to lack of ownership. Under this scheme, eligible families are provided free residential plots measuring 3 marla, and if needed, they can also apply for an interest-free construction loan to build a home on that plot.
The Punjab government is using state-owned land in 19 districts to distribute nearly 1,900 plots in the first phase, with more to follow. The project is not just about giving away land it’s about rebuilding lives, providing financial support, and ensuring every citizen has a place to call home.
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Objective of the Scheme
- Free 3-marla (675 square feet) residential plots for homeless and deserving citizens
- Interest-free home construction loans up to Rs. 1.5 million under “Apni Chhat Apna Ghar”
- Monthly repayment plan of Rs. 14,000 for seven years, with a 3-month grace period
- Transparent, computerized balloting and verification system
- Priority for widows, orphans, disabled individuals, and the extremely poor
- Government-owned land used to avoid land acquisition costs
- Completely free application with no charges or third-party agents involved
- Online and offline registration options available for all applicants
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Long-Term Vision Behind the Project
Chief Minister Maryam Nawaz has made it clear that this scheme is more than just a housing program — it’s a promise to empower the underprivileged and bring them into the economic mainstream. The project is part of the broader vision of “Roti, Kapra, Aur Makaan,” a slogan that reflects the basic rights every Pakistani should have. By providing land and financial help for home construction, the government is building not just houses but also hope and future stability for thousands of families.
More than 34,000 homes are currently being developed under this initiative. According to official figures, nearly 2,000 houses have already been completed, and over 300 new homes are being built every day. This scale and speed indicate the seriousness and dedication behind the program.
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Districts Covered in the First Phase
In Phase-I of the scheme, plots will be distributed in 23 government housing schemes across 19 districts of Punjab, including:
- Lodhran
- Renala Khurd
- Pattoki
- Mamun Kanjan
- Jhelum
- Sahiwal
- Vehari
- Chiniot
- Mianwali
- Khushab
- Rajanpur
- Muzaffargarh
- Toba Tek Singh
- Pakpattan
- Bahawalnagar
- Dera Ghazi Khan
- Bhakkar
- Layyah
- Bahawalpur
These districts were selected for Phase-I rollout based on available state land and urgent housing needs.
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Eligibility Criteria Who Can Apply?
The scheme is exclusively for landless and homeless residents of Punjab. Applicants must meet the following criteria:
- Must be a permanent resident of Punjab, verified through CNIC
- Monthly household income should be less than Rs. 50,000
- Applicant, spouse, or dependents should not own any property in Pakistan
- No criminal record or defaulted loans from banks or microfinance institutions
- Must be 18 years or older and have completed the Punjab Socio-Economic Registry (PSER) survey
- Proof of identity, income, and household details will be required at the time of application
This careful screening process ensures that only deserving applicants benefit from the scheme.
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Step-by-Step Guide How to Apply for Apni Zameen Apna Ghar Scheme
There are two official methods to apply — online via the e-portal or offline by visiting your local DC office. Both processes are designed to be simple and transparent.
Online Application Process
- Visit the official portal: https://azag.punjab.gov.pk
- Click “Register” to create an account
- Fill in your personal information:
- Full Name, CNIC Number, Gender
- Father’s or Husband’s CNIC
- Email Address, Mobile Number
- District, Tehsil, City
- Set your password and complete registration
- Upload scanned documents:
- CNIC copy
- B-Form (if applicable)
- Proof of monthly income (salary slip or employer letter)
- Submit your application
- Use the dashboard to track status and future updates
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Offline Application at DC Office
- Visit your district’s Deputy Commissioner Office
- Ask for the Apni Zameen Apna Ghar Scheme desk
- Submit original CNIC and supporting documents
- A representative will help you fill out the paper form
- You will receive an acknowledgment slip for tracking
Applicants without internet access or literacy support are encouraged to use this offline method.
Transparent Verification & Balloting Process
After submitting the application, your data is cross-verified using:
- NADRA’s national database
- Punjab land records authority to confirm property status
- Financial history check to ensure no bank default or criminal activity
Once verification is complete, a transparent digital balloting process will be held to select successful applicants. The names of the selected beneficiaries will be published on the official website and sent via SMS. No middlemen or fees are required at any stage, and any individual claiming to speed up the process in exchange for money should be reported to authorities.
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Construction Loan Support Build Your Home with Ease
The scheme includes a financial component to support construction:
- Eligible plot holders can apply for Apni Chhat Apna Ghar construction loans
- Interest-free loan of up to Rs. 1.5 million
- Monthly installment of Rs. 14,000 spread over 7 years
- A 3-month grace period after plot possession before repayment begins
- The Punjab government has allocated Rs. 36 billion for this purpose
- More than 33,500 low-income families will benefit from this construction loan
This loan enables plot recipients to build their houses without falling into debt traps or seeking help from moneylenders.
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Official Support Channels
Applicants are encouraged to only use the official platforms for updates and queries:
- Website: https://azag.punjab.gov.pk
- Helpline: 0800-09100
- Email: [email protected]
You can also visit your district administration office or DCO office for direct assistance.
Final Thoughts
The Apni Zameen Apna Ghar Scheme 2025 is one of the most ambitious and people-friendly initiatives ever introduced by a provincial government in Pakistan. It is a bold and much-needed move to solve the housing crisis among Punjab’s poorest segments. With a transparent system, free land, and construction financing, this scheme brings a real opportunity for thousands of families to escape homelessness and poverty.
This is your moment. If you or someone you know meets the eligibility criteria, don’t delay. Apply today through the official portal and take a solid step toward securing your own land and building your own future.