The Apni Zameen Apna Ghar (AZAG) Scheme, launched under the leadership of Chief Minister Maryam Nawaz Sharif, is a landmark housing project for poor and homeless families in Punjab. Under this program, eligible families receive a free 3 Marla residential plot so they can finally own land.
As of January 2026, the scheme has entered an important stage. It is now linked with the Apni Chhat Apna Ghar program, which offers interest-free construction loans. This means families can not only get land but also build their own homes.
Key Features of Apni Zameen Apna Ghar Program
| Feature | Details |
|---|---|
| Program Name | Apni Zameen Apna Ghar (AZAG) |
| Plot Size | 3 Marla (Free) |
| Construction Loan | Up to Rs. 1.5 Million (Interest-Free) |
| Monthly Installment | Around Rs. 14,000 for 7 years |
| Application Fee | Rs. 0 (No Charges) |
| Official Website | azag.punjab.gov.pk |
Eligibility Criteria for AZAG Scheme 2026
To make sure only deserving families benefit, PHATA (Punjab Housing & Town Planning Agency) has set clear rules:
- Punjab Resident: Applicant must be a permanent resident of Punjab with a valid CNIC
- District Limit: You can apply only in your home district mentioned on CNIC
- No Property Ownership: Applicant, spouse, or children must not own any house or plot in Pakistan
- PMT Score: Must be registered in NSER or PSER with a PMT score of 60 or below
- Income Limit: Monthly household income must be less than Rs. 50,000
- Legal Record: Applicant should have no criminal record and must not be a bank defaulter
How to Apply Online for Apni Zameen Apna Ghar Scheme
The Punjab Government has introduced a simple online system for applications.
Step 1: Visit Official Website
Go to azag.punjab.gov.pk
Step 2: Register Your Account
Click on “Register Now” and enter:
- CNIC number
- Full name
- Mobile number
- Email address
Step 3: Account Verification
Verify your account using the OTP or email link sent to you.
Step 4: Fill the Application Form
Provide the following details:
Personal Information
- Gender
- Father’s or husband’s name
- Complete address
Housing Details
- Current living status (rented or shared house)
- Monthly rent amount
Income Details
- Total household income
Step 5: Upload Required Documents
Upload clear scanned copies of:
- CNIC (Applicant & Spouse)
- NADRA Family Registration Certificate (FRC)
- Proof of residence (Utility bill or Domicile)
- Income affidavit or salary slips
Step 6: Review & Submit
Double-check all details. Any wrong or false information can lead to rejection.
Step 7: Track Your Application
After submission, save your Tracking Number to check status later.
Districts Included in Phase 1 & Phase 2
The initial phases focus on areas where government land is available:
- Faisalabad Division: 288 plots in 5 districts (including Mamun Kanjan)
- Rawalpindi Division: 658 plots in Attock, Jhelum, and nearby areas
- Lahore Region: 518 plots in districts like Kasur and Pattoki
- Other Districts: Lodhran, Okara, Renala Khurd, Bhakkar, and Layyah
Construction Loan Under Apni Chhat Apna Ghar
After receiving a plot, beneficiaries can apply for a Rs. 1.5 million interest-free loan to build their house.
- Grace Period: 3 months before installments start
- Construction Start: Within 6 months
- Completion Time: House must be completed within 2 years
- Sale Restriction: Plot cannot be sold or transferred for 5 years
Helpline & Complaint Support
If you face any problem or someone demands money, contact only official channels:
- Toll-Free Numbers:
- 0800-09100
- 0800-02345
- Online Complaint Portal: complaints.punjab.gov.pk
- Offline Help: Visit your nearest Deputy Commissioner (DC) Office
Final Words
The CM Punjab 3 Marla Plot Scheme 2026 is a major step toward “Housing for All.” If you meet the eligibility criteria and keep your NSER/PSER data updated, this program can help you secure a permanent home and a dignified future for your family.
