Discover everything about Punjab CM Maryam Nawaz’s Apni Zameen Apna Ghar 3 Marla Scheme 2025, offering free residential plots and interest-free home loans to low-income families across 22 districts. Learn how to apply online, eligibility criteria, required documents, benefits, and latest updates for building your own home in Punjab.
Apni Zameen Apna Ghar 3 Marla Scheme 2025
In a landmark step toward solving the housing crisis in Punjab, Chief Minister Maryam Nawaz has launched the Apni Zameen Apna Ghar 3 Marla Scheme 2025. This initiative is designed to help low-income families and the underprivileged finally own a piece of land and build their dream homes. Whether you live in an urban area or a rural town, this guide explains everything you need to know—from eligibility to the loan process and how to apply.
What Is the 3 Marla Housing Scheme?
This is a government-funded housing initiative aimed at distributing free 3-marla plots (675 square feet) to deserving families across 22 districts in Punjab. The first phase alone is allocating 1,892 plots in a transparent draw system. In addition, families who receive plots can apply for an interest-free construction loan under the Apni Chhat Apna Ghar program, worth up to PKR 1.5 million.
Key Benefits
- Free Land: Own a 3-marla plot without paying a single rupee.
- Zero-Interest Loan: Construction loan of up to PKR 1.5 million, repayable in easy installments.
- Focus on Vulnerable Groups: Widows, orphans, laborers, and disabled individuals are given priority.
- No More Rent: You can move away from rented houses and build your own permanent shelter.
- Economic Boost: The construction activity creates local jobs and boosts the economy.
Note: A 3-marla plot is enough to build a 2 to 3-room house—perfect for small to medium-sized families.
Who Can Apply?
To be eligible for this scheme, you must:
- Be a resident of Punjab with a valid CNIC.
- Have a household income of less than PKR 50,000/month.
- Not own any house or land in Pakistan.
- Be registered in the NSER (National Socio-Economic Registry) with a PMT score of 60 or below.
- Be at least 18 years old.
- Not have any criminal background or bank loan defaults.
Tip: If you’re not yet registered with NSER, visit your nearest office or check pser.punjab.gov.pk.
Step-by-Step: How to Apply for a Plot
Step 1: Confirm Eligibility
Ensure your household income, NSER registration, and other documents are ready.
Step 2: Gather Required Documents
- CNIC of applicant (and spouse, if applicable)
- Proof of Punjab residence (electricity bill, domicile, etc.)
- Income proof (salary slip or affidavit if self-employed)
- NSER proof (PMT score certificate)
- NADRA Family Registration Certificate
Step 3: Online Application (Coming Soon)
- Visit acag.punjab.gov.pk when the portal opens
- Create an account using your CNIC and mobile number
- Fill in the online form and upload scanned documents
- Submit your application before the deadline
Step 4: Offline Option
- Visit your Deputy Commissioner’s Office
- Go to the Apni Zameen Apna Ghar desk
- Submit your application with help from staff (completely free)
Reminder: There are no application fees. Avoid anyone asking for money.
Applying for the Interest-Free Construction Loan
Once you’ve secured a plot, you can apply for a loan to build your house:
- Go to acag.punjab.gov.pk or visit the DC Office
- Submit:
- CNIC
- Plot allotment papers
- NSER certificate
- Income documents
- After verification, you will receive the loan in installments
- Repayment is PKR 14,000 per month for 7 years, with a 3-month grace period
Latest Updates (May 2025)
- Middle-Income Families Included: Broader access beyond the poorest segment
- Phase 1: 1,892 plots already distributed, 3,000 homes being built per district
- Mandatory PSER Survey: Register at pser.punjab.gov.pk
- Fair Selection: Overseen by 8-member district committees
- Loan Recovery: Over PKR 900 million recovered from past loans, showing high success
Official Links & Support
- Apply/Track Status: acag.punjab.gov.pk
- NSER/Survey: pser.punjab.gov.pk
- Complaints: complaints.punjab.gov.pk
- Helplines:
- 042-99213419
- 0800-09100 (Toll-Free)
- 0800-26477 (NSER Support)
Tip: Keep checking the portal weekly for registration status and draw dates.
Why This Scheme Matters
In a province where thousands of families struggle with rising rent, job instability, and lack of affordable housing, Apni Zameen Apna Ghar 2025 is a beacon of hope. With transparent selection, real support for women and vulnerable groups, and long-term sustainability, this scheme is not just offering plots—it’s building futures.
Stay Safe – Avoid Scams
- No Payment Required: Everything from registration to plot distribution is 100% free.
- Official Channels Only: Never trust agents—apply only via government portals or DC offices.
- Report Suspicious Activity: Call 0800-09100 or submit online at complaints.punjab.gov.pk