The Punjab Government has introduced a powerful new opportunity for low-income families across the province through the “Free 3 Marla Plot Scheme 2025” under the Apni Zameen Apna Ghar Program. In the latest July 2025 update, the scheme has officially opened applications for free 3-marla plots, along with interest-free housing loans to help applicants build homes on their allocated land.
This initiative is a major step forward in solving housing challenges for Pakistan’s poor and working-class citizens by offering permanent solutions with dignity.
🌍 What is the Free Three Marla Plot Scheme?
Punjab is also committed to reducing poverty and improving society, and the Free 3 Marla Plot Scheme is a good example of this. Under this project, the government gives away free 3 marla (about 675 square feet) residential plots to people who are qualified. In addition, some recipients will be given interest-free building loans of up to PKR 1.5 million, which can be paid back over a number of years.
📋 July 2025 Updated Eligibility Criteria
To ensure that this program reaches only those who truly deserve it, the Punjab Government has laid down strict eligibility rules. Below are the updated criteria as of July 2025:
- Must be a permanent resident of Punjab.
- Must have a valid CNIC (Computerized National Identity Card).
- The total monthly household income must be below PKR 50,000.
- The applicant must not own any land, property, or house anywhere in Pakistan.
- Must be registered with NSER (National Socio-Economic Registry).
- Should have a PMT score of 60 or below.
- Applicant must be at least 18 years old at the time of registration.
- Priority will be given to widows, orphans, disabled individuals, and those living in rented homes.
- The applicant must apply from the district where they currently live.
- Must not have any criminal background or defaulted bank loans.
📝 How to Apply Online?
The Punjab Government has launched a dedicated portal for online applications. Here’s how eligible citizens can apply:
Step-by-Step Guide:
- Visit the Official Portal: Go to https://azag.punjab.gov.pk
- Register an Account: Use your CNIC and mobile number to sign up.
- Fill Out the Application Form:
- Upload Required Documents:
- Submit the Form: After submitting, you will receive an SMS confirmation.
- Verification & Balloting: NADRA and relevant agencies will verify the data. Selected candidates will be notified after a computerized draw.
💰 Interest-Free Construction Loan Details
Once a 3-marla plot is allotted, applicants can apply for a construction loan through selected banks and housing finance companies. The loan features are:
- Loan Limit: Up to PKR 1.5 million
- Interest Rate: 0% (fully subsidized by the government)
- Repayment Period: 7–9 years, with an optional grace period
- Installment Basis: Funds are released in phases, according to construction progress
Partner banks include Bank of Punjab, Bank of Khyber, and others offering microfinance services.
📍 Scheme Coverage: Districts Included in Phase 1
In Phase 1 of the program, the following 19 districts are covered, with more than 1,800 plots already marked for allocation:
- Faisalabad
- Bahawalpur
- Attock
- Sahiwal
- Jhelum
- Layyah
- Okara
- Rajanpur
- Bhakkar
- Khushab
- And several others
More districts will be added in upcoming phases throughout 2025 and 2026.
⏳ Important Dates and Deadlines
- Application Start Date: July 1, 2025
- Last Date to Apply: August 20, 2025
- Plot Allocation via Ballot: Expected in September 2025
- Construction Loan Disbursement: Within 2 months of plot allocation
Applicants are strongly advised to apply early, as limited plots are available in each district, and demand is extremely high.
✅ Final Thoughts
The Free 3 Marla Plot Scheme 2025 is a remarkable effort by the Punjab Government to support the homeless and low-income families of the province. By combining free land ownership with interest-free construction loans, this program empowers families to build secure, legal, and permanent homes.If you meet the eligibility criteria, don’t miss out. Apply today and take the first step toward owning a home—a place of safety, stability, and self-respect.
For More Information Click Here