Chief Minister Maryam Nawaz has launched the Apni Zameen, Apna Ghar scheme to provide secure housing for Punjab’s most deserving citizens. Under this initiative, eligible low-income and landless residents will receive free 3-marla residential plots along with zero-interest loans for home construction.
The program gives special priority to widows, orphans, differently-abled individuals, and daily wage laborers, aiming to uplift those most in need. To qualify, applicants must be permanent residents of Punjab, have a household income below Rs. 50,000, and be registered with the NSER.
Interested individuals can apply online at azag.punjab.gov.pk or visit their local Deputy Commissioner’s office for assistance.
Apni Zameen Apna Ghar 2025: Free Plot Scheme for the Underprivileged in Punjab
Chief Minister Punjab, Maryam Nawaz Sharif, has officially launched the Apni Zameen Apna Ghar initiative — a landmark welfare program designed to support the province’s most vulnerable and homeless citizens by offering them free residential plots.
In its first phase, the scheme will distribute 1,892 free 3-marla plots across 23 low-income housing projects located in 19 districts of Punjab.
This new initiative follows the earlier success of the ‘Apni Chhat, Apna Ghar’ program, which contributed significantly to making homeownership more accessible to low-income families. Now, the Punjab government has taken a bigger leap with the distribution of 3-marla plots to deserving citizens, offering them the foundation to build homes of their own.
Program Launch and Scope
The scheme was inaugurated with the launch of an official e-portal (https://azag.punjab.gov.pk) designed to streamline the application process. At the inauguration ceremony, CM Maryam Nawaz personally activated the portal, symbolizing the government’s commitment to inclusive housing development.
Under this initiative, the provincial government will distribute 2,000 plots across 23 housing schemes located in 19 districts of Punjab. These include districts such as Jhelum, Lodhran, Pattoki, Mamun Kanjan, and Renala Khurd, among others.
Who Can Apply? – Eligibility Criteria
To ensure that the plots reach those who genuinely need them, the government has established strict eligibility criteria:
- Permanent residency in Punjab is mandatory.
- The applicant must not own any property in Pakistan.
- They should be registered with the National Socio-Economic Registry (NSER).
- The monthly household income must be below Rs. 50,000.
In the first phase, priority will be given to widows, orphans, differently-abled individuals, and daily wage laborers, ensuring that the benefits reach the most marginalized communities.
Application Process: Simple and Accessible
Interested individuals can submit their applications through the dedicated online portal at azag.punjab.gov.pk. For those without internet access, special help desks have been established at local Deputy Commissioner offices across Punjab, where staff will assist applicants in completing the registration process.
Financial Support: Zero-Interest Loans for Construction
One of the program’s standout features is the provision of zero-interest loans to help beneficiaries construct their homes. The Punjab Housing Ministry, led by Minister Bilal Yasin, has allocated Rs. 36 billion in financial assistance, targeting support for 33,500 families.
To ease the financial burden on low-income households, the repayment of these loans will be made available in affordable, monthly installments, ensuring the long-term sustainability of the program.
Current Progress and Vision Ahead
As of now, the program has already shown rapid progress. Over 34,000 houses are currently under construction, with 2,000 homes already completed in just six months. Furthermore, the government aims to construct 300 new homes daily, reflecting the scale and seriousness of this initiative.
CM Maryam Nawaz emphasized that the scheme is not just about giving away land—it’s about empowering families, strengthening communities, and uplifting those left behind in the housing crisis.
Frequently Asked Questions (FAQs)
1. What is the Apni Zameen Apna Ghar scheme?
It is a Punjab government initiative offering free 3-marla plots and interest-free loans to underprivileged families for home construction.
2. Who qualifies for the scheme?
Permanent residents of Punjab who do not own property, are NSER-registered, and have a monthly household income below Rs. 50,000.
3. How can I apply?
Applications can be submitted through azag.punjab.gov.pk or at special help desks in DC offices.
4. Is there financial help for building the house?
Yes, zero-interest loans are available, repayable in easy monthly installments.
5. Which areas are included in the first phase?
The first phase covers 19 districts, including Jhelum, Lodhran, Mamun Kanjan, Renala Khurd, and Pattoki.
Conclusion
The ‘Apni Zameen, Apna Ghar’ scheme is more than a housing program—it’s a promise of stability, dignity, and opportunity for thousands of families in Punjab. With its structured approach, transparent criteria, and financial assistance, it marks a significant step forward in the mission to make homeownership a reality for all.