Owning a home is a dream for millions of Pakistanis, but rising prices and limited resources make it difficult for low-income families. To solve this issue, Chief Minister Maryam Nawaz has introduced two major housing programs — Apni Zameen Apna Ghar (AZAG) and Apna Chhat Apna Ghar (ACAG). These initiatives promise not only a free 3 marla residential plot but also an interest-free home loan of Rs. 15 lakh to help deserving citizens build their own houses in 2025.
This article explains how you can apply, who is eligible, and what benefits you’ll get under these life-changing housing schemes.
What Is the AZAG Scheme?
The Apni Zameen Apna Ghar (AZAG) program is part of the Punjab Government’s mission to provide affordable housing to the poor and landless. Under this initiative, families with low incomes can receive a free 3 marla plot for residential purposes.
Alongside it, the Apna Chhat Apna Ghar (ACAG) scheme offers an interest-free loan of Rs. 1.5 million (15 lakh) to help build homes on these plots. The repayment plan is easy — only Rs. 14,000 per month for seven years, making it affordable for working-class families.
This housing plan especially focuses on widows, orphans, laborers, and people earning less than Rs. 50,000 per month.
Main Goals of the AZAG + ACAG Schemes
The Punjab Government aims to bring dignity, stability, and financial independence to families who have never owned a home. The key objectives include:
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Providing permanent housing to landless and low-income families
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Empowering women through property ownership rights
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Reducing poverty by creating long-term security
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Promoting financial inclusion via interest-free loans
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Supporting local construction jobs and infrastructure growth
These programs are designed not just as housing solutions but as steps toward social and economic development.
Key Features at a Glance
| Feature | Details |
|---|---|
| Scheme Names | Apni Zameen Apna Ghar (AZAG) + Apna Chhat Apna Ghar (ACAG) |
| Launched By | CM Maryam Nawaz Sharif |
| Plot Size | 3 Marla (Residential) |
| Loan Amount | Rs. 15 lakh (Interest-Free) |
| Monthly Installment | Rs. 14,000 (for 7 years) |
| Income Limit | Below Rs. 50,000 per month |
| Application Fee | None (Completely Free) |
| Selection Process | Computerized draw for fairness |
Who Can Apply?
To apply for the AZAG and ACAG 2025 schemes, you must meet the following conditions:
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Must be a Pakistani citizen living in Punjab
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Have no ownership of a residential plot or house
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Monthly income under Rs. 50,000
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Hold a valid CNIC
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Not already part of any other housing program
Priority applicants include widows, single mothers, orphans, daily wage earners, and people with disabilities.
How to Apply Online
Applying online is quick and simple:
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Visit the official AZAG portal (link will be available soon on the Punjab Government website).
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Click “Apply Online” or “Register Now.”
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Fill in your details: CNIC, name, address, and income information.
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Upload required documents (CNIC, income proof, family registration).
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Submit your form and wait for a confirmation SMS or email.
Keep your application tracking number safe for future updates.
How to Apply Offline
If you live in an area without internet access, you can apply through your District Commissioner (DC) office:
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Visit your nearest DC office.
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Collect and fill out the AZAG registration form.
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Attach copies of CNIC, proof of residence, and two photographs.
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Submit the form at the AZAG helpdesk and receive a receipt for tracking.
This system ensures equal access for citizens in rural and remote regions.
Selection and Loan Distribution
After applications are submitted, authorities will verify all information using NADRA and land records. A computerized draw will then decide who receives the plots and loans.
Successful applicants will get:
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A 3 marla plot under AZAG
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A Rs. 15 lakh interest-free loan from ACAG, released in stages for home construction
All transactions will go through government-verified banks to maintain full transparency.
Why This Initiative Matters
The AZAG and ACAG programs are transforming dreams into reality for thousands of families across Punjab. By removing the financial barriers to homeownership, these schemes are:
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Ending homelessness in poor communities
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Promoting women’s empowerment through property rights
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Creating jobs in the housing and construction sectors
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Supporting Pakistan’s Vision 2030 for sustainable development
Final Thoughts
The Free 3 Marla Plot in AZAG Scheme with the Rs. 15 Lakh ACAG Loan is one of the most impactful welfare programs ever launched in Punjab. It reflects the government’s genuine commitment to uplifting the poor and ensuring that every family has a place to call home.
If you meet the eligibility criteria, apply now and take your first step toward building a secure future for your family.