Apply Online Now: Govt’s E-Portal for Apni Zameen Apna Ghar Scheme – Free Housing for Low-Income Families

The Punjab government has launched the Apni Zameen Apna Ghar Scheme with a dedicated e-portal to support homeless families by providing them with free 3-marla plots. This initiative is a major step toward achieving housing equity for low-income individuals and families across Punjab. Launched by Punjab Chief Minister Maryam Nawaz Sharif on May 03, 2025, the online portal can be accessed at azag.punjab.gov.pk.

What Is the Apni Zameen Apna Ghar Scheme?

The Apni Zameen Apna Ghar Programme is a significant government initiative that aims to provide shelter and dignity to homeless families in Punjab. The program offers free 3-marla plots to eligible applicants, helping low-income individuals get access to basic housing.

Scheme Key Features:

• Free Plots: 1,892 free 3-marla plots (675 sq.ft.) will be distributed across 23 housing schemes in 19 districts of Punjab.

• Eligibility for Low-Income Families: Families with monthly incomes below Rs. 50,000 can benefit from this initiative.

• Interest-Free Loans for Construction: Once selected, applicants are eligible to apply for interest-free loans up to Rs. 1.5 million to build their homes, with repayment terms of Rs. 14,000 per month over 7 years.

• Target Groups: Special focus will be given to widows, orphans, and laborers, aiming to improve their living conditions and provide financial support through job creation and community upliftment.

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Eligibility Criteria

To apply, the following criteria must be met:

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

• Income Limit: Monthly household income must be below Rs. 50,000.

• No Property Ownership: The applicant, spouse, or dependent children should not own any property or land in Pakistan.

• Age Requirement: Applicants must be 18 years or older and have completed the PSER survey.

• Clean Record: No criminal record or defaults in bank payments.

How to Apply for the Apni Zameen Apna Ghar Scheme?

Applying for the Apni Zameen Apna Ghar Scheme is simple and can be done online or offline, depending on the applicant’s access to technology.

1. Online Application Method:

The primary method for applying is through the official e-portal:

1. Visit the official website.

2. Click on the “Register” button at the top-right corner.

3. Fill in the required details:

   • Full Name

   • CNIC Number

   • Father’s/Husband’s CNIC Number

   • Gender

   • Email

   • Mobile Number

   • Division, District, Tehsil, and City

4. Create a password and submit the form.

5. Upload the necessary documents:

   • CNIC

   • B-Form (for dependents)

   • Income Proof (if applicable)

6. Review your application and submit it.

7. Track your application status via the portal’s dashboard.

2. Offline Application Method:

For those who face challenges with online applications, there’s an offline method:

1. Visit your district’s Deputy Commissioner (DC) office.

2. Go to the Apni Zameen Apna Ghar Scheme desk.

3. Bring original documents: CNIC, B-Form, and income proof.

4. Fill out the form with assistance and submit it.

Verification and Application Processing

• Verification Process: Applications will be thoroughly verified using NADRA, land records, and financial checks to ensure eligibility.

• Balloting: A transparent balloting process will be conducted to allocate plots to selected applicants.

• No Fees: This process is completely free of charge, so avoid any agents asking for money.

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Next Steps After Application

Once your application is verified, successful applicants will be informed about their plot allotments and loan eligibility. Construction on the plots must commence within a 3-month grace period after receiving the allotment.

Frequently Asked Questions (FAQs)

Q1: What is the Apni Zameen Apna Ghar Scheme?

The Apni Zameen Apna Ghar Programme provides free 3-marla plots to eligible low-income families in Punjab to improve housing conditions.

Q2: How can I apply for the scheme?

You can apply through the official online portal azag.punjab.gov.pk or at the local Deputy Commissioner’s office.

Q3: Who is eligible for the scheme?

Eligibility is based on income, residency, and no prior property ownership. Families with a monthly income below Rs. 50,000 are eligible.

Q4: How do I get financial support to build the house?

Selected applicants can apply for interest-free loans up to Rs. 1.5 million under the Apni Chhat Apna Ghar Scheme, repayable over 7 years.

This scheme is a game-changer for Punjab’s underprivileged families, providing not only housing but also the opportunity to build a better future. Apply today through the official portal to secure your plot and step towards a brighter tomorrow!