In a major initiative to tackle poverty and housing challenges, the Government of Punjab launched the “Apni Zameen Apna Ghar” (Your Land, Your Home) scheme in 2025. This initiative provides free 3-marla residential plots to eligible families across Punjab. Spearheaded by Chief Minister Maryam Nawaz Sharif, the program is aimed at empowering underprivileged citizens by granting them the security of homeownership.
The scheme has been designed to serve individuals who have long struggled with housing insecurity and have lacked the financial means to own property. Through this program, the Punjab government envisions a future where every deserving family has access to safe and dignified housing.
Key Features of the 3-Marla Plot Scheme
The primary objective of this program is to distribute 3-marla residential plots, free of cost, to poor and low-income families in various districts of Punjab. In the first phase, the government will allocate 1,892 plots across 23 housing schemes located in 19 districts of the province, including Lahore, Multan, Rawalpindi, Faisalabad, and Bahawalpur.
In addition to providing land, the government is also extending interest-free loans of up to Rs. 1.5 million to help beneficiaries build homes on their allotted land. The loan can be repaid in easy installments over seven years, making the process financially manageable for recipients.
Eligibility Criteria for Applicants
To ensure that the benefits reach the most deserving, the Punjab government has outlined specific eligibility conditions for applicants. Individuals who want to participate must meet the following requirements:
- The applicant must be a permanent resident of Punjab.
- Have a legal Computerized National Identity Card (CNIC) on hand.
- The applicant should not possess any land or property in Pakistan, including spouses and dependent children.
- Monthly family income must not exceed Rs. 50,000.
- The applicant must be at least 18 years of age.
- NADRA has stated that the person must be the head of a nuclear family.
- It should be registered in the National Socio-Economic Registry (NSER) and have a Poverty Means Test (PMT) score of 60 or below.
- There are no records of past loan defaults or crimes.
This scheme encourages social equity by giving special preference to married individuals, widows, and persons with disabilities.
How to Apply Online for the 3-Marla Plot Scheme
Applying for the free 3-marla plot scheme is straightforward and can be done online by following these steps:
- Visit the official portal: Go to https://acag.punjab.gov.pk.
- Register your profile: Enter your CNIC, mobile number, and personal details.
- Fill out the application form. Provide accurate information about your income, household status, marital status, and current residence.
- Please upload the required documents. These include your CNIC copy, proof of income, family registration certificate, and NSER verification.
- Kindly send in your form. Before you send in your application, please ensure you have read all of the information carefully.
After successful submission, you will receive a confirmation via SMS, and the relevant authorities will then verify your data to ensure your eligibility.
Districts and Plot Distribution
The government has distributed plots across the following regions in Punjab:
- Rawalpindi Division: 658 plots
- Lahore Division: 518 plots
- Faisalabad Division: 288 plots
- Multan Division: 270 plots
- Bhakkar Region: 131 plots
- Bahawalpur Division: 27 pl We will equip these housing colonies with basic facilities like
water, electricity, sewage, and road access. We anticipate expanding the number of districts and plots in future phases.
and Conditions
While the plots are free, beneficiaries must follow certain conditions:
- Construction Requirement: Allottees must start building their homes within six months of receiving possession.
- Completion Timeline: Homes must be completed within two years of allotment.
- Transfer Restrictions: For five years, beneficiaries cannot sell, lease, or transfer their plot.
- Monitoring and Compliance: Non-compliance with the rules may lead to cancellation of the allotment and the retrieval of land.
Loan Facility for Home Construction
To assist recipients in constructing homes on their newly allotted plots, the Punjab government has partnered with microfinance institutions to provide in We tailor these loans to be affordable for low-income families, with repayment spread over 84 months (7 years). T84 months (7 years) and are tailored to be affordable for low-income families. Support ensures that the home does not remain just a dream but becomes a tangible reality.
Support & Helpline
For guidance or support, applicants can contact the following resources:
- Visit: Nearest Office. Please visit the nearest Office for manual assistance.
- Thank you for registering. Before sending in your application, please ensure you read all of the information carefully.
- The official website lists contact numbers for application-related inquiries.
Conclusion: A Path Toward Dignified Living
The Punjab Free 3-Marla Plot Scheme 2025 is more than just a housing initiative—it is a vision for a more inclusive and equitable society. By providing land and construction assistance to the most vulnerable families, the government is addressing both homelessness and economic hardship.
This bold initiative has the potential to reshape the future for thousands of families by granting them a foundation for stability and progress. We encourage eligible citizens to apply promptly and ensure their documentation is accurate to take advantage of this life-changing opportunity.
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