Apni Zameen Apna Ghar Scheme 2025 The Punjab government, under the leadership of Chief Minister Maryam Nawaz, has launched the “Apni Zameen Apna Ghar” scheme in 2024, which is a welfare project. Apni Zameen Apna Ghar Scheme 2025 The aim of this scheme is to provide free 3 marla residential plots to the poor, widows, orphans and homeless people, so that they can build their own houses and live a dignified life. This scheme is especially for those who have low incomes, do not already have their own house or land, and who are residents of Punjab.

“Apni Zameen Apna Ghar 3 Marla Scheme” is a great scheme of Punjab Government. Apni Zameen Apna Ghar Scheme 2025 This scheme is especially for those people who have low income and who dream of building their own house, but cannot build a house due to financial conditions.

Apply Now: http://azag.punjab.gov.pk

What is Apni Zameen Apna Ghar Scheme?

Apni Zameen Apna Ghar Scheme 2025 is an important housing project of the Punjab government. Under this scheme, residential plots of three marla (approximately 675 square feet) will be provided to those who do not have their own house or land. This scheme is specially designed to help women, widows and poor and vulnerable people so that they can live their lives with dignity and security.

Key Features of Apni Zameen Apna Ghar Scheme

🔹A three-marla plot will be given to a deserving family absolutely free of charge.

🏠An interest-free loan of up to Rs 1.5 million will be given to build a house. This loan must be repaid in 7 years at a rate of Rs 14,000.

👩‍🦳Preference will be given to widows, orphans, disabled people and laborers.

🎟️The process of allocating plots will be done through a clean and transparent lottery, which will be supervised by a committee consisting of 8 people.

💸No application fee will be charged so that everyone can apply easily and no one is discriminated against.

Eligibility Criteria for Apni Zameen Apna Ghar Scheme

🏠 Permanent Resident
The applicant must be a permanent resident of Punjab and have a valid identity card.

📍 District-Specific Application
Applications can only be submitted for the scheme in the applicant’s own district.

🏡 No Property Ownership
The applicant, spouse, or dependent children should not own any land or house anywhere in Pakistan.

✅ Clean Criminal Record
The applicant should have a clean criminal record.

💳 No Bank Defaulter
The applicant should not owe money to any bank or financial institution.

📝 Accurate Information
All information in the application must be completely accurate. Providing false information may lead to rejection.

Also Read: May 2025 Benazir Nashonuma Scheme – How to Register & Get Financial Support

How to Apply for Apni Zameen Apna Ghar Scheme

📄 Upload Documents
Upload scanned copies of your documents.

✔️ Check and Submit Application
Check all the information thoroughly and then submit the application.

🔍 Check Application Status
You can check the progress and updates of your application by visiting the portal.

❓ Need Help?
If you need assistance, visit the Help section or contact Support.

Construction Loan Process for Apni Zameen Apna Ghar Scheme

🏠 Interest-Free Construction Loan
Under this scheme, people who have got plots can take construction loans of up to Rs 1.5 million without interest.

✔️ Plot Ownership Verification
First, the ownership of the plot is verified.

📄 Document Submission
Necessary documents are submitted on the government website acag.punjab.gov.pk or at the Deputy Commissioner’s office.

🔍 Document Verification
The concerned departments scrutinize these documents carefully.

💰 Loan Disbursal in Installments
The loan is given in installments, with an initial grace period of three months.

💸 Monthly Repayment
An installment of Rs 14,000 has to be paid every month for seven years.

📊 Loan Recovery Update
As of May 2025, out of more than 25,500 loans, Rs 9.24 crore has been recovered, showing the scheme’s success and borrower honesty.

Important Documents Required for Apni Zameen Apna Ghar Scheme

Please have these documents ready before applying:

Photocopies of National Identity Card (CNIC)

Income Proof

Proof of Family Status (if you are widowed, orphaned or disabled)

Passport size photographs

Affidavit of no propertyHaving all these papers ready in advance will make your application quick and easy to complete!

Also Read: 8171 Portal Registration June 2025 – How to Check BISP Eligibility

Conclusion

Apni Zameen Apna Ghar” scheme is a wonderful welfare initiative of the Government of Punjab which has been launched to turn the dreams of those people into reality who want to build their own house but due to financial conditions it is not possible. Through this scheme, not only free plots of three marla are being given to deserving families, but they are also being provided with interest-free loans to build houses.

This scheme gives widows, orphans, disabled people and other weaker sections an opportunity to live a dignified life. Transparent procedure, easy conditions, and the facility of applying without any fee have made this scheme a success at the public level. If you meet these conditions, then apply as soon as possible and turn your dream of a house into a reality.

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