In a remarkable move to address housing challenges in Punjab, Chief Minister Maryam Nawaz Sharif has officially launched the “Apni Zameen Apna Ghar” Scheme 2025, which provides free 3-marla residential plots to deserving, low-income, and homeless citizens. This welfare initiative has been designed to help the most vulnerable segments of society achieve their lifelong dream of homeownership.
This scheme is not only a promise of a piece of land — it is a step toward dignity, security, and stability for thousands of families across Punjab.
🏡How does the “Apni Zameen Apna Ghar” Scheme work?
A major housing project called “Apni Zameen Apna Ghar” was started in May 2025 and is overseen by CM Punjab Maryam Nawaz.
Under this scheme, eligible families receive a free 3-marla plot (approximately 675 square feet) in specially developed low-cost housing colonies. In addition to the plot, beneficiaries also have access to interest-free construction loans, allowing them to build their own homes.
The initiative is aligned with the vision of a prosperous and inclusive Punjab, where no family remains without a roof over their head.
🎯 Objectives of the Scheme
The key goals of the scheme include
- Reducing homelessness in Punjab
- Providing land ownership to poor and working-class families
- Promoting women’s housing rights and economic stability
- Empowering widows, orphans, and disabled individuals
- Boosting rural and semi-urban infrastructure development
📌 Districts Covered in Phase One
Initially, the scheme is being implemented across 19 districts of Punjab, including Jhelum and Kasur.
- Jhelum
- Kasur
- Okara
- Rajanpur
- Bahawalnagar
- Vehari
- Lodhran
- Bhakkar
- Sahiwal
- Attock
- Faisalabad
- Mandi Bahauddin
- Chiniot
- Khushab
- Gujarat
- Layyah
- Jhang
- Bahawalpur
- Sargodha
Future phases of the scheme will include more districts.
✅ Who Can Apply? (Eligibility Criteria)
We have established strict eligibility criteria to ensure that only truly deserving individuals receive the plots:
- Must be a permanent resident of Punjab
- Total family income must be PKR 50,000 or less per month
- Must not own any property in Pakistan
- Must be registered in the NSER (National Socio-Economic Registry) with a PMT score below 60
- Must be at least 18 years of age
- Should not have received a plot under any other government housing scheme
- Should have a valid NADRA-issued CNIC
- Must be the head of the family (verified through NADRA records)
- No criminal record or loan default history
We especially encourage widows, orphans, disabled individuals, and female-headed households to apply, as they may receive priority during the selection process.
💰 Additional Benefits: Interest-Free Construction Loans
In addition to free land, the Punjab government is offering interest-free construction loans of up to PKR 1.5 million (Rs. 15 lakh). The loan:
- Is repayable over 7 years
- Has no interest charges
- Comes with a 3-month grace period before repayments begin
- Has affordable monthly installments, ranging from PKR 11,000 to 14,000
This loan enables families not only to own a plot but also to construct their homes without the pressure of high financial burdens.
📝 How do I apply online?
The registration process is done fully online and is easy to use.
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Visit the official portal: https://azag.punjab.gov.pk
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Log in and complete the online application form
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Upload the following documents:
- Scanned CNIC (front and back)
- Recent photograph
- Income proof or salary slip
- Property non-ownership affidavit
- NSER or PMT score proof
- Apply and wait for SMS or email notification
For any help, applicants can call the toll-free helpline: 0800-09100
📜 Terms & Conditions
- Plots are non-transferable and non-saleable for the first 5 years
- Construction must start within 6 months of plot allotment
- Homes must be completed within 2 years
- Any misuse or violation of the conditions may lead to plot cancellation
🌟 Social Impact of the Scheme
Punjab’s social and economic life will be changed for a long time by the free assignment scheme.
- Reducing slums and informal settlements
- Promoting family stability through homeownership
- Creating thousands of jobs in construction and allied industries
- Uplifting rural and underdeveloped areas
- Getting women to buy land in their names
This scheme is more than just a housing plan — it’s a pathway to empowerment, security, and progress.
🏁 Final Thoughts
The CM Punjab Free 3 Marla Plot Scheme 2025 is a visionary step by the Punjab government to uplift the lives of struggling families. With fair eligibility criteria, a transparent online application system, and additional support through interest-free loans, this initiative is destined to change thousands of lives across the province.
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