Apni Zameen Apna Ghar Scheme 2025: azag.punjab.gov.pk

Apni Zameen Apna Ghar Scheme 2025: azag.punjab.gov.pk

In a significant move to address housing challenges for low-income families, Punjab Chief Minister Maryam Nawaz Sharif has launched the ‘Apni Zameen Apna Ghar’ initiative. This program aims to provide free 3-marla residential plots to deserving citizens across the province, marking a substantial step toward realizing the vision of ‘Housing for All’ in Punjab.

📝 Quick Information Table

🏡 What is the Apni Zameen Apna Ghar Scheme?

The ‘Apni Zameen Apna Ghar’ scheme is a welfare program initiated by the Punjab government to provide free residential plots to low-income and homeless families. In its first phase, the scheme will allocate 1,892 free 3-marla plots across 23 low-income housing projects in 19 districts . The initiative is managed by the Punjab Housing and Town Planning Agency (PHATA) under the administrative oversight of the Housing, Urban Development, and Public Health Engineering Department.

Also Read : Apni Zameen Apna Ghar Scheme 2025 – How to Apply, Eligibility

✅ Eligibility Criteria

To qualify for the scheme, applicants must meet the following criteria:

• Permanent Residency: Must be a permanent resident of Punjab as per CNIC.

• District-Specific Application: Applications are only accepted within the applicant’s native district.

• Property Ownership: The applicant, their spouse, or dependent children must not own any property in Pakistan.

• Criminal Record: Must have a clean criminal record.

• Bank Defaults: Must not be a defaulter of any bank or financial institution.

• Income Level: Monthly household income must be below Rs50,000.

• NSER Registration: Must be registered with the National Socio-Economic Registry (NSER) with a PMT score of 60 or below .

• Age: Must be at least 18 years old; married individuals are prioritized.

• Family Head: Must be the head of a nuclear family as verified by NADRA.

📝 How to Apply

Online Application:

1. Visit the official portal: azag.punjab.gov.pk.

2. Complete your socio-economic profile by providing necessary details such as income, family composition, and NSER registration.

3. Upload required documents: CNIC, proof of Punjab residency, NADRA family registration certificate, income verification, and NSER verification.

4. Submit the application.

Offline Application:

For those without internet access, applications can be submitted at local Deputy Commissioner (DC) offices. Dedicated scheme desks are set up to assist applicants with document submission and registration .

📍 Districts Covered in Phase One

The first phase includes the following 19 districts:

• Attock

• Bahawalnagar

• Bahawalpur

• Bhakkar

• Chiniot

• Faisalabad

• Gujrat

• Jhang

• Jhelum

• Kasur

• Khushab

• Layyah

• Lodhran

• Mandi Bahauddin

• Okara

• Rajanpur

• Sahiwal

• Sargodha

• Vehari

Also Read : Apni Zameen Apna Ghar Online Application Process and Eligibility Criteria

📊 Plot Distribution Breakdown

🏗️ Terms and Conditions for Plot Allotment

• Construction Timeline: Construction must begin within six months of receiving possession and be completed within two years.

• Transfer Restrictions: The allotted plot cannot be sold, transferred, or leased for a minimum period of five years.

• Non-Compliance: Failure to meet construction deadlines or comply with building regulations will result in cancellation of the allotment after a one-month written notice.

• Resumption of Plot: If the allotment is canceled due to non-compliance or false information, the plot will be reclaimed by PHATA without compensation.

• Residential Use: The plot must be used solely for residential purposes; commercial activities or unauthorized construction are strictly prohibited.

• Dispute Resolution: Any disputes regarding the plot will be referred to the Designated Grievance Redressal Committee (GRC) of PHATA.

• Inspections: PHATA reserves the right to inspect the construction at any stage to ensure compliance with these terms.

Also read : Apni Zameen Apna Ghar Program 2025 azag.punjab .gov.pk

💰 Financial Support for Home Construction

Under the ‘Apni Chhat Apna Ghar’ program, beneficiaries can avail interest-free construction loans up to Rs1.5 million, repayable over seven years at Rs14,000 per month. This facility is available for those who already own a parcel of land (5-marla in urban or 10-marla in rural areas) .

📞 Contact and Support

• Official Portal: azag.punjab.gov.pk

• Helpline: 0800-09100

• Complaints: For further assistance, applicants can visit their local DC offices or contact the helpline for guidance.

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