Apni Zameen Apna Ghar Program: Complete Guide for Poor and Homeless Families in Punjab

Punjab Government, under the leadership of CM Maryam Nawaz Sharif, has launched the “Apni Zameen Apna Ghar Program,” aiming to tackle the serious housing crisis among landless and homeless families in Punjab. This flagship initiative offers free 3-marla residential plots to eligible citizens, empowering them to build their own homes and secure a future with dignity.

This guide provides complete details about how to apply online, eligibility, district-wise quotas, required documents, and terms & conditions. If you’re struggling with no roof over your head or tired of paying rent you can barely afford, this article is for you.

What Is Apni Zameen Apna Ghar Program?

“Apni Zameen Apna Ghar” is a welfare housing initiative started by the Punjab Government to help poor and landless people build their own homes.

• Managed by: Punjab Housing & Town Planning Agency (PHATA)
• Supervised by: Housing, Urban Development & Public Health Engineering Department (HUD&PHED)
• Portal for Online Applications: azag.punjab.gov.pk

The scheme ensures fair selection through computerized balloting and strictly targets the most deserving families.

Key Features of the Program

• Free 3-marla residential plots
• Transparent application & allotment system
• Open to landless, poor citizens of Punjab
• Construction timeline to prevent misuse
• No resale or transfer for 5 years

Program Objective: To reduce homelessness and empower citizens with property rights in their name.

Who Can Apply? (Eligibility Criteria)

To ensure fairness, strict eligibility rules apply:

• Must be a permanent resident of Punjab
• Must not own any land, plot, or house in Pakistan (self, spouse, or children)
• Should have a valid CNIC
• Clean criminal record
• Not a defaulter of any bank or lending institution
• Must apply within your home district

False or misleading information will lead to disqualification and legal consequences.

How to Apply Online for Apni Zameen Apna Ghar

Here’s a simple step-by-step guide for applying online:

1. Visit Portal: Go to azag.punjab.gov.pk
2. Create an Account / Login: Sign up using your CNIC or log in if you already have an account
3. Fill Application: Provide your details like CNIC, family info, income status
4. Upload Documents: Attach scanned copies of your CNIC, income proof, FRC, etc.
5. Review & Submit: Double-check all info before submitting the form
6. Track Application: Use your dashboard to track the application progress

Documents Required

📌 Mandatory Documents:

• CNIC (Computerized National ID Card)
• Family Registration Certificate (FRC)
• Income Proof / Salary Slip
• 2 Passport-size Photographs
• Bank Statement (6 months)
• Rent Agreement or Utility Bill
• Affidavit confirming no property ownership
• Disability Certificate (if applicable)
• Spouse’s CNIC / Marriage Certificate

Make sure all documents are clear and valid to avoid delays.

District-Wise Plot Distribution (Phase 1)

The first phase includes 1,892 free plots distributed across 19 districts. The following table summarizes it:

: District-Wise Plot Quota

District	Scheme Name(s)	No. of Plots
Jhelum	ADS-IV & ADS-I	730
Kasur	ADS Pattoki	388
Faisalabad	ADS Mamukanjan	257
Lodhran	ADS Lodhran	218
Okara	ADS Renala Khurd II & ADS Okara	130
Others (14)	14 Schemes across Punjab	169
Total	–	1,892

Majority of plots are allocated to high-need districts. The comprehensive list of all districts are give

#	District	Scheme Name(s)	Total Plots
1	Jhelum	ADS-IV & ADS-I	730
2	Kasur	ADS Pattoki	388
3	Faisalabad	ADS Mamukanjan	257
4	Lodhran	ADS Lodhran	218
5	Okara	ADS Renala Khurd II & ADS Okara	130
6	Layyah	03-Marla Housing Scheme (Extension)	55
7	Bhakkar	03-Marla Housing Scheme & ADS-II-Bhakkar	52
8	Sahiwal	03-Marla Housing Scheme	33
9	Sargodha	3-M Sillan Wali	25
10	Khushab	03-Marla Housing Scheme Jauharabad	24
11	Bahawalnagar	ADS Bahawalnagar	20
12	Mandi Baha-ud-Din	ADS-Mandi Baha-ud-Din	17
13	Rajanpur	ADS Rajanpur	15
14	Attock	ADS Hazro	11
15	Gujrat	03-Marla H.S.	8
16	Bahawalpur	ADS-I (Extension) & ADS-I (Existing)	7
17	Vehari	03-Marla Vehari	4
18	Jhang	ADS Jhang	4
19	Chiniot	ADS Chiniot	2

Terms & Conditions for Plot Allotment

To avoid misuse and ensure fair use, these TORs must be followed:

• Construction must begin within 6 months of receiving the plot
• House must be completed within 2 years
• Plot cannot be sold, leased, or transferred for 5 years
• Must be used for residential purpose only
• PHATA has the right to inspect the construction
• Violations can lead to cancellation without compensation

Note: Any disputes will be resolved by PHATA’s Grievance Redressal Committee.

Timeline for Construction

Table 2: Construction & Possession Rules

Action	Timeframe
Start Construction	Within 6 Months
Complete Construction	Within 2 Years
Prohibited Activities	No resale/lease
Inspections by PHATA	At any stage

Failure to comply with these timelines may result in losing the plot.

Challenges Faced by Applicants

Many potential applicants face issues such as:

• Confusing application process
• Lack of internet or digital literacy
• Missing or outdated documents
• Doubts about transparency and favoritism

Real Talk: People living in rented homes or informal settlements often feel left out of such schemes. This program is a golden chance — but only if the system remains fair, clear, and accessible.

What Can You Do If You Face Problems?

If your application gets rejected or you’re facing technical issues:

• Visit your local PHATA office for help
• Call the helpline: 0800-09100
• Use the complaints section on the azag.punjab.gov.pk portal

It’s your right to ask questions and demand support. Don’t stay silent.

Final Thoughts

The “Apni Zameen Apna Ghar Program” offers more than just land. It gives families a chance to build a permanent shelter, escape the rent trap, and live with dignity. If you’re eligible, don’t wait. Apply today and secure your piece of Punjab.

Housing should not be a dream. It should be a right.

FAQs

Q1: Can I apply if I live in Punjab but my CNIC is from another province?

No. You must have a Punjab-issued CNIC and be a permanent resident.

Q2: Can women apply individually?

Yes. As long as they meet the eligibility criteria.

Q3: Is this program available for overseas Pakistanis?

Currently, it’s for residents of Punjab only.

Q4: How many plots are there in total?

In Phase 1, 1,892 plots are available. More will be added in future phases.

Q5: Can I build a shop or commercial structure?

No. The plot must be used strictly for residential purposes.