Introduction / Overview of Apni Zameen Apna Ghar Scheme 2026

Apni Zameen Apna Ghar Scheme 2026 is a housing program announced by CM Punjab Maryam Nawaz. The scheme provides free 3 marla residential plots to low-income and deserving families in Punjab. It targets families who do not own any house or land and are struggling due to inflation and low income.

Administered by: Punjab Housing & Town Planning Agency (PHATA)
Purpose: Promote social justice, financial inclusion, and long-term housing security
Process: Transparent and digital for fair selection

---

Purpose & Objectives of the Program

• Reduce homelessness in Punjab
• Support low-income and houseless families
• Encourage home ownership and stability

Phase 1 Details:

Phase	No. of Plots	Coverage	Notes
Phase 1	1,892	19 districts	Pilot phase
Phase 2	TBD	Punjab-wide	To be expanded after Phase 1 success

---

Who Can Benefit From This Scheme

Priority Group	Description
Widows	Women without spouse or home
Orphans	Children without parents or guardians
People with disabilities	Special assistance for housing
Low-income families	Daily wage earners or struggling households
No property ownership	Families without land or home

---

Key Features of Apni Zameen Apna Ghar Scheme 2026

Feature	Details
Plot Size	3 Marla (75.88 sq meters)
Verification	Strictly verified applicants
Documentation	Supervised by Punjab Government
Eligibility	Only genuinely deserving families
Transparency	Digital application & selection

---

Eligibility Criteria (2026 Updated)

Requirement	Details
Nationality	Must be Punjabi
CNIC	Valid Punjab CNIC required
Residency	Must live in program districts
Property Ownership	Applicant & family must own no house or land
Criminal Record	Must have a clean record
Financial History	Non-defaulter of banks/loans
Documents	Originals and correct information

---

List of Districts in Phase 1

District	Number of Plots	Scheme Name(s)
Jhelum	730	ADS-IV & ADS-I
Kasur	388	ADS Pattoki
Faisalabad	257	ADS Mamukanjan
Lodhran	218	ADS Lodhran
Okara	130	ADS Renala Khurd II & ADS Okara
Layyah	55	03-Marla Housing Scheme (Extension)
Bhakkar	52	03-Marla Housing Scheme & ADS-II-Bhakkar
Sahiwal	33	03-Marla Housing Scheme
Sargodha	25	3-M Sillan Wali
Khushab	24	03-Marla Housing Scheme Jauharabad
Bahawalnagar	20	ADS Bahawalnagar
Mandi Baha-ud-Din	17	ADS-Mandi Baha-ud-Din
Rajanpur	15	ADS Rajanpur
Attock	11	ADS Hazro
Gujrat	8	03-Marla H.S.
Bahawalpur	7	ADS-I (Extension) & ADS-I (Existing)
Vehari	4	03-Marla Vehari
Jhang	4	ADS Jhang
Chiniot	2	ADS Chiniot
Total	2000

---

Why Some Districts Have More Plots Compared to Others

Reason	Explanation
Population	More plots for districts with higher population and houseless families
Demand	Districts with more low-income families receive priority allocation

---

How to Apply for Apni Zameen Apna Ghar Scheme 2026

Step	Action
1	Visit official portal: azag.punjab.gov.pk
2	Fill online application form
3	Upload CNIC, income proof, and residential details
4	Submit application
5	Wait for SMS/email notification after verification

---

Verification and Final Selection Process

Stage	Action
Document Verification	Government checks authenticity of documents
Shortlisting	Only eligible & deserving applicants selected
Notification	Candidates informed via SMS/email

---

Budget Allocation & Financial Support

Allocation	Amount	Purpose
Rs. 36 Billion	36,000,000,000 PKR	Support 33,500 families to build homes
Payment Method	Easy monthly installments	Affordable for low-income families

---

Benefits of Apni Zameen Apna Ghar Program

Benefit	Description
Free Plots	For houseless families
Transparent Selection	Digital & corruption-free
Poverty Reduction	Support low-income groups
Affordable Housing	Stepwise construction and repayment
Stability	Long-term home ownership security

---

How to Check Application Status

Step	Action
1	Visit azag.punjab.gov.pk
2	Click Login
3	Enter CNIC, password, captcha
4	Press Submit
5	Check Dashboard for result: Eligible / Ineligible / Errors

---

FAQs

Question	Answer
What is the scheme?	Punjab Government housing scheme offering free 3 Marla plots
Who can apply?	Low-income families without property ownership
How to check status?	Login to official portal using CNIC and password