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