Apni Zameen Apna Ghar Scheme 2025 — Free Plots in Punjab

Imagine living your whole life without owning even a small piece of land. Tough, right? Now imagine the government stepping in and saying, “Here’s your own piece of land, free.” That’s exactly what the Punjab government is trying to do with its new initiative, “Apni Zameen Apna Ghar.”

Launched by Chief Minister Maryam Nawaz Sharif, this scheme aims to provide free 3-marla residential plots to the most deserving people in Punjab — especially those who are homeless or living in extreme poverty.

Let’s break it all down in simple, real terms — what it is, who can apply, how to apply, and everything else you need to know. You won’t need to Google anything after reading this, promise.

Also Read : Apni Zameen Apna Ghar Scheme 2025 — Your Chance to Own a Home in Punjab

Quick Overview:

What’s This Scheme About, Really?

It’s simple: if you’re poor, homeless, and don’t own any property, the Punjab government wants to give you a 3-marla residential plot — completely free. No catches, no hidden fees.

This isn’t some small side project either. It’s part of the “Housing for All” vision Maryam Nawaz has for the province.

In Phase 1, 1,892 plots will be distributed in 19 districts, under 23 different low-income housing projects. The goal is to make sure every Pakistani, regardless of background, has a roof over their head — or at least land to build one.

Where Will These Plots Be Given?

So far, plots will be distributed in the following districts:

• Attock

• Bahawalnagar

• Bahawalpur

• Bhakkar

• Chiniot

• Faisalabad

• Gujrat

• Jhang

• Jhelum

• Kasur

• Khushab

• Layyah

• Lodhran

• Mandi Bahauddin

• Okara

• Rajanpur

• Sahiwal

• Sargodha

• Vehari

If your district is listed above, you’re eligible to apply. If it’s not yet included, don’t lose hope — future phases will likely cover more areas.

Who Can Apply? (Eligibility Explained Simply)

Alright, this part is important. Not everyone can apply — it’s only for those who genuinely need the help.

To qualify:

• You must be a permanent resident of Punjab (as per your CNIC).

• You can only apply in your own district (where your CNIC is registered).

• Neither you, your spouse, nor your kids can own any property in Pakistan.

• You must have a clean criminal record (no FIRs or pending cases).

• You can’t be a loan defaulter from any bank or institution.

• You must be registered in the NSER database with a PMT score of 60 or below.

• Your total household income should be under Rs. 50,000 per month.

• You need to be 18 or older, and being married gives you a better chance.

• You must be the head of your family, as recognized by NADRA.

Sounds strict? Well, that’s because they want to make sure only the most deserving get the plots.

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

How to Apply (Step-by-Step)

✳ Online Method

Here’s how to apply online, right from your phone or laptop:

Go to the official website: https://azag.punjab.gov.pk

Create an account using your CNIC and mobile number.

Fill out the application form carefully — don’t lie or exaggerate anything.

Upload your documents:

• Your CNIC and your spouse’s CNIC.
• Proof you live in Punjab (like a bill or domicile).
• NADRA family registration form.
• Income certificate or an affidavit.
• Proof of your PMT score (from the NSER database).

Submit the application and keep the tracking number safe.

✳ Offline Method (For Those Without Internet)

If you don’t have internet or are not tech-savvy, no worries.

• Just go to your Deputy Commissioner (DC) Office.

• Look for the “Apni Zameen Apna Ghar” help desk.

• Staff there will help you fill out the form and submit documents.

It’s all completely free — no need to pay agents or middlemen.

Extra Help: Apni Chhat Apna Ghar Loan

Let’s say you get the plot. Great! But what if you don’t have money to build?

That’s where the “Apni Chhat Apna Ghar” program kicks in. You can get an interest-free loan of up to Rs. 1.5 million to build your home.

Loan Details:

• Loan Limit: Rs. 15 lakh (1.5 million)
• No interest, ever.
• Payback Time: 7 years.
• Monthly Installment: Around Rs. 14,000
• 3-month grace period before payments start.

This can really help poor families turn their land into an actual house.

Important Conditions You Must Follow

Getting the plot is just the beginning. You have to follow some rules after you get it:

• Start building within 6 months.

• Finish construction within 2 years.

• You can’t sell or transfer the plot for 5 years.

• The land must be used only for living, not for business or renting.

• If you break any rule, the government can take back the plot.

So please, don’t think of it as something to flip or resell. This is about giving shelter, not profit.

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

Who’s Making Sure It’s Fair?

Good question. This is Pakistan — people naturally worry about “sifarish” and corruption. But this time, there’s a system.

Each district has an 8-member committee that includes public officials and social workers. They’ll verify applicants, visit sites, and make sure things are handled honestly.

Also, all applicants are being cross-verified with Punjab Socio-Economic Registry (PSER). You can check your own registration or update details at: https://pser.punjab.gov.pk

Why This Matters for You and Pakistan

Let’s be real — owning land changes everything. It gives people stability, dignity, and hope. This scheme:

• Reduces slums and overcrowded areas.

• Helps poor families live in dignity.

• Creates jobs in construction and housing.

• Encourages safe and planned neighborhoods.

It’s more than just a plot — it’s a chance at a better life.

Final Words: Don’t Miss This Opportunity

If you or someone in your family qualifies, don’t wait. This isn’t just another government announcement. This one’s actually happening.

Visit the portal, or go to your DC office. Ask questions. Apply. This might be your chance to finally own a piece of land — your own land.

📞 Helpline: 0800-09100

🌐 Website: https://azag.punjab.gov.pk