The Punjab Government, under the leadership of Chief Minister Maryam Nawaz, has taken a significant step towards addressing the housing crisis faced by low-income families. The recently launched “Apni Chhat Apna Ghar” and “Apni Zameen Apna Ghar” schemes are designed to offer free 3-marla residential plots to deserving, homeless individuals across various districts of Punjab. This initiative aims not only to provide shelter but also to empower citizens with a sense of ownership and stability.
Key Highlights of the Scheme
The scheme’s primary focus is to support economically disadvantaged people who are currently unable to afford land or housing. In the first phase, the government plans to distribute 1,892 free residential plots across 23 housing projects in 19 districts of Punjab.
This ambitious program reflects the government’s commitment to social equity and sustainable development, making housing more accessible to the underprivileged segments of society.
Eligibility Criteria
To ensure that only the most deserving individuals benefit from this program, the government has set clear eligibility conditions. Applicants must meet the following requirements:
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Must be a permanent resident of Punjab.
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Neither the applicant, spouse, nor dependent children should own any property anywhere in Pakistan.
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Monthly income must be less than PKR 50,000.
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The applicant should be registered in the National Socio-Economic Registry (NSER) with a Poverty Means Test (PMT) score of 60 or below.
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The minimum age requirement is 18 years.
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The applicant must have no criminal record or involvement in illegal land occupation.
These strict eligibility guidelines aim to ensure that the scheme reaches the truly needy, preventing misuse or corruption.
How to Apply for the Scheme
The Punjab Government has made the application process fully digital and transparent. Interested candidates can apply online through the official portal: azag.punjab.gov.pk.
Application Process:
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Visit the portal and create an account by providing your basic personal details.
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Please ensure the application form is completed accurately with all the necessary information.
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Upload scanned copies of essential documents, including:
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CNIC (Computerized National Identity Card)
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Proof of monthly income
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Punjab domicile certificate
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NSER verification certificate
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Select your desired district and housing scheme (e.g., Lahore or any of the other 18 districts).
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Please apply and note the confirmation number for tracking.
Plot Allocation Procedure
Once the application window closes, the government will verify all submissions through automated and manual checks. After verification, eligible applicants will be entered into a computerized balloting process.
The following categories will receive priority:
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Widows
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Orphans
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Disabled individuals
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Daily wage laborers
This transparent and merit-based selection process will ensure fairness and integrity in the scheme’s execution.
Interest-Free Home Construction Loans
In addition to providing free plots, the government has announced a no-interest construction loan of up to PKR 1.5 million for the selected beneficiaries. This loan will be payable in easy installments over 7 years.
This financial assistance will enable families not only to acquire land but also to construct their homes, helping them transition from tenants or homeless individuals to proud homeowners.
Special Focus on Women’s Empowerment
The scheme has a strong focus on empowering women, especially widows and single mothers. We will provide separate quotas and application assistance to ensure that women can benefit from the program without facing any discrimination or difficulties.
Conclusion
The “Apni Chhat Apna Ghar–3 Marla Plot Scheme 2025” represents a major milestone in the Punjab Government’s social welfare agenda. By combining free land provision with interest-free construction loans, the scheme addresses both ownership and affordability challenges.
It is a golden opportunity for Pakistan’s low-income population to own a piece of land and build a future of dignity and stability. Eligible citizens are highly encouraged to apply promptly and fulfill their dream of owning a home.
For more details and to start your application, visit the official website: https://azag.punjab.gov.pk
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