Apni Zameen Apna Ghar Government of Punjab has taken a landmark step toward solving the province’s long-standing housing crisis by launching the Apni Zameen Apna Ghar Program. Under the leadership of Chief Minister Maryam Nawaz Sharif, this initiative is set to change the lives of thousands of homeless and underprivileged families by turning them into landowners. With a strong focus on dignity, equality, and opportunity, this initiative supports the vision of Housing for All and reflects a deep commitment to inclusive development.
وزیر اعلی پنجاب مریم نواز کی جانب سے اپنی زمین اپنا گھر پروگرام کا اغاز ہو چکا ہے انہوں نے کہا ہے کہ یہ مفت رہائشی پلاٹ بے گھر اور مستحق افراد کے لیے ہوں گے 2000 رہائشی پلاٹ مختص کیے گئے ہیں پہلے مرحلے میں 19 اضلاع میں شفاف طریقے سے اس کی تقسیم کو یقینی بنایا جائے گا رجسٹریشن کے لیے اپ ان لائن پورٹل کا استعمال کر سکتے ہیں
Through this program, the Punjab government aims to provide 3-marla residential plots completely free of cost to deserving families who do not own any land or housing in Pakistan. The initiative is being executed by the Punjab Housing and Town Planning Agency PHATA under the administrative control of the Housing, Urban Development & Public Health Engineering Department HUD&PHED The project is set to roll out in multiple phases, starting with 1,892 plots in 19 districts across 23 housing schemes. Initiated under the leadership of Chief Minister Maryam Nawaz Sharif, the project focuses on empowering the poor, especially widows, orphans, laborers, and shelterless women, by giving them a chance to own a home.
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Apni Zameen Apna Ghar
| Feature | Details |
| Scheme | Apni Zameen Apna Ghar Program |
| Plot Size | 3-Marla Free Residential Plot |
| Who Can Apply | Poor, homeless, and landless citizens |
| Apply Online | azag.punjab .gov.pk |
| Covered Districts | 19 districts across Punjab |
| Allotment | Through transparent balloting |
| Conditions | No resale for 5 years, build within 2 years |
The Apni Zameen Apna Ghar Program Azag Punjab is designed to tackle homelessness and provide access to land for poor families in Punjab. These plots are being distributed free of cost, especially to those who have been living in rented houses, slums, or shared homes for years without ownership or stability.
The project is being implemented by the Punjab Housing & Town Planning Agency PHATA under the supervision of the Housing, Urban Development & Public Health Engineering Department HUD&PHED With over 1,892 plots available in 19 districts during the first phase, the program is expected to grow in future phases depending on success and demand.
Maryam Nawaz Vision Behind the Apni Zameen Apna Ghar
The Apni Zameen Apna Ghar Program is more than just a housing scheme—it is a social welfare model that aims to restore dignity and provide security to those who have long been left out of the housing market. For many low-income families, home ownership has remained a distant dream. This program seeks to bridge that gap by offering not just a piece of land, but a place where families can build a future with pride and stability.
The Chief Minister has emphasized that this program is a symbol of her government’s commitment to fairness, compassion, and upliftment of the underprivileged. It’s a powerful message that no one in Punjab should be without a roof over their head.
Estimated Plot Value Fresh Market Insight
Although the plots are being given free of cost, their real market value in most cities is significant:
3 Marla Plot Estimated Market Rate
- Faisalabad: Rs. 12–25 lakh
- Lodhran: Rs. 16–24 lakh
- Jhelum: Rs. 15–30 lakh
- Lahore outskirts: Rs. 20–36lakh
This shows that the scheme is highly valuable, and getting a 3-marla plot is equivalent to a large financial benefit for the poor.
First Phase Distribution: By mid-2025
Second Phase Announcement: Q3 2025
Home Construction Loan Phase: Late 2025
Districts Covered in Apni Zameen Apna Ghar Phase 1
In the first phase of the program, plots will be distributed in the following 19 districts of Punjab:
| District | Scheme Name(s) | No. of Plots |
| Jhelum | ADS-IV & ADS-I | 727 + 3 |
| Kasur | ADS Pattoki | 388 |
| Faisalabad | ADS Mamukanjan | 257 |
| Lodhran | ADS Lodhran | 218 |
| Okara | ADS Renala Khurd II & ADS Okara | 128 + 2 |
| Layyah | 03-Marla Housing Scheme (Extension) | 55 |
| Bhakkar | 03-Marla Housing Scheme & ADS-II-Bhakkar | 36 + 16 |
| Sahiwal | 03-Marla Housing Scheme | 33 |
| Sargodha | 3-M Sillan Wali | 25 |
| Khushab | 03-Marla Housing Scheme Jauharabad | 24 |
| Bahawalnagar | ADS Bahawalnagar | 20 |
| Mandi Baha-ud-Din | ADS-Mandi Baha-ud-Din | 17 |
| Rajanpur | ADS Rajanpur | 15 |
| Attock | ADS Hazro | 11 |
| Gujrat | 03-Marla H.S. | 8 |
| Bahawalpur | ADS-I (Extension) & ADS-I (Existing) | 6 + 1 |
| Vehari | 03-Marla Vehari | 4 |
| Jhang | ADS Jhang | 4 |
| Chiniot | ADS Chiniot | 2 |
Each of these districts will see the development of residential schemes where qualified applicants will be allotted 3-marla plots based on strict eligibility and a fair balloting system.
Eligibility Criteria for Applicants
To ensure that only deserving individuals benefit from this program, the government has outlined specific eligibility requirements. These are meant to prioritize the most vulnerable and homeless citizens while ensuring fairness and transparency:
- The applicant must be a permanent resident of Punjab, verified through a valid CNIC.
- Applications are accepted only for schemes located within the applicant’s own district.
- The applicant, their spouse, or dependent children must not own any plot or house in Pakistan.
- The applicant must have a clean criminal record.
- They must not be a defaulter of any bank or financial institution.
- All information provided must be accurate and verifiable, as false statements will lead to disqualification.
This ensures that the plots go only to those who genuinely need them and not to individuals seeking to misuse the scheme for commercial or speculative gain.
How is This Scheme Different from Previous Housing Programs?
| Feature | Apni Chhat Scheme 2025 | PM Naya Pakistan Housing | Sindh Housing Program |
| Land Ownership | Yes Free Plot | No Installment Homes | No Installment Homes |
| Eligibility | Low-Income Only | All Income Levels | Mixed |
| Special Quota for Women | Yes | No | Partial |
| Online Application | Yes Open Portal | Yes | Yes |
Terms and Conditions of Allotment
Once a plot is allotted, the following conditions must be strictly followed:
- Construction must begin within six months of taking possession and must be completed within two years.
- The allotted plot cannot be sold, transferred, or leased for a minimum period of five years.
- Only residential use is allowed any commercial use or unauthorized construction is prohibited.
- Failure to meet construction deadlines or terms will result in the cancellation of the plot, after a one-month notice.
- In the event of cancellation, the plot will be reclaimed by PHATA without compensation.
- PHATA has the authority to inspect the site at any stage and take action in case of violations.
- Disputes will be handled by the official Grievance Redressal Committee GRC of PHATA.
These rules are meant to ensure the plots serve their intended purpose helping homeless families build their homes and live in dignity, not for investment or resale.
How to Apply Online at azag.punjab.gov.pk
The registration process is simple and transparent, with all applications being handled online through the official government portal. Here’s a step-by-step overview of how to register:
The application process is fully digital to prevent corruption and middlemen exploitation. Here’s how to apply:
Step No 1. Log In Account
The first step to apply is to go to the official website of the Apni Zameen Apna Ghar program, which is shown below, after which you have to click on the registered button or click on the apply now button.
Step No 2. Click On Register Button
In the Apni Zameen Apna Ghar program, when you go to the official website, you will see two buttons, one for login and one for registered Now. If you are not registered, you have to click on the Registered Now button. As soon as you click on the Registered Now button, the registration form will open in front of you.
Step No 3. Put Detailed
- In the third step of registration, you will write your CNIC number
- After that, you will write your full name
- Write your email address
- After that, you will select the telecom company Mobiling Telenak U-Fone Warid or Zong
- After that, you will write the contact number which is registered in your name
- After that, you will write the password and then write the confirm password and then click on the registered button
Step No 4. Email Verification
At this stage, you will receive an email that you will have to verify. To complete the registration, email verification is required. This can be done through your mobile phone. You will go to your mailbox, click on the verify email button, and your email will be verified.
Step No 5. Login To Dashboard and Check All Terms And Conditions
In the fifth step, you have to write whether you are a resident of Punjab or not and you have to fill in the information that is being asked of you and click on the submit button.
Step No 6. Put Full Name CNIC And Address
In this step, you have to write your details: your full name, father’s or husband’s name, national identity card number, your date of birth, whether you are male or female, whether you are married or unmarried, whether you are widowed, whether you have been divorced, whether you have written your email address, whether you have written your division, district, tehsil, whether you have written your full address, and then click on the Next button.
Step No 7. Profession And Property Information
Here you have to write whether the applicant owns any property and what work the applicant does.
Step No 8. Family Members And Income
In this step, you have to write down the number of family members in your household, the number of dependents, and the combined family income.
Step No 9. Residence And Loan For Construction Through ACAG Information
In this step, you have to write whether you are living in a rented house or not, whether you have participated in any previous scheme issued by the Government of Pakistan or the Punjab Government, whether you want to get a loan under the Apni Chhat Apna Ghar program or not, and if so, how much loan do you want to get?
Step No 10. Upload CNIC And Pitchers For Submit Application
Tenth step of registration: In this step, you will upload the applicant’s photo, the applicant’s ID card, its front photo, the applicant’s ID card, its back photo, and any monthly income, domicile, etc., and then click on the Next button.
Step No 11. Check And Submit Application
The final step of registration is to click on the link below to confirm that the information you have provided is correct and complete and will qualify you for the scheme.
- Create an Account
Register using your CNIC, mobile number, and create a password. - Log In to Your Dashboard
After registration, log in and start the online application. - Fill in the Application Form
Carefully enter your personal, income, and family details. - Upload the Required Documents
Scan and upload all documents in the required format. - Submit the Application
Review all details before submitting. Once submitted, you’ll receive an application number for tracking. - Track Status Online
Log in any time to check the progress of your application.
For any technical issues or support, you can call the program helpline 0800-09100.
All applications will be verified and scrutinized by PHATA. Only those who meet the eligibility criteria will move forward to the balloting stage.
Required Documents for Registration
Make sure to have the following documents ready before applying:
- CNIC of the applicant and spouse
- Recent photographs
- Proof of income or salary slip
- Family Registration Certificate FRC from NADRA
- Latest utility bill gas or electricity for address verification
- Tenancy agreement if living in a rented house
- Affidavit of no property ownership
- Bank statement past six months
- Disability certificate if applicable
- Marriage certificate for verification if married
These documents will be used to verify your financial condition and property status
Balloting and Allotment Process
After successful verification, eligible applicants will be included in a computerized balloting process. This method ensures that allotment is transparent, fair, and free from political or personal influence. Those who are selected through balloting will be issued allotment letters and guided through the next steps for possession and construction.
Those not selected in the first round may be considered in future phases or can reapply, depending on the availability of plots.
Post-Allotment Obligations and Support
Receiving a plot is only the beginning. Allottees are expected to begin construction promptly and follow the building regulations outlined in their allotment terms. The program ensures ongoing monitoring to maintain transparency and integrity.
While the government does not provide direct financial assistance for construction, possessing land makes families eligible for future support schemes, micro-loans, or subsidies under various housing programs.
In case of any issues or grievances, applicants can submit their complaints to the Designated Grievance Redressal Committee GRC of PHATA, which will address concerns in a structured and timely manner.
Conclusion
The Apni Zameen Apna Ghar Program stands as a bold and visionary step toward empowering the homeless and underserved segments of society. It is a model of compassionate governance, aimed at creating a more inclusive, equitable, and prosperous Punjab. By offering free land to those in need, the government is not only providing shelter it is offering a new beginning. If you or someone you know is eligible, don’t miss this opportunity. Visit azag.punjab.gov.pk today, register online, and take the first step toward owning a home.
Frequently Asked Questions
Can I apply if I live in Punjab but originally belong to another province?
No You must be a permanent resident of Punjab to apply.
What happens if I am caught giving false information?
Your application will be canceled immediately, even if you’re selected in balloting.
Can women apply for plots?
Yes. The program is open to all genders, including widows and single mothers.
Is there any fee involved in the application?
No The entire process is free of cost.
Can I apply for a plot in another district where I have relatives?
No You can only apply in your district of residence as per your CNIC.