Apply Now Free 3 Marla Plot in AZAG Scheme + 15 Lakh Home Loan from ACAG 2025
Apply Now Free 3 Marla Plot in AZAG Scheme + 15 Lakh Home Loan from ACAG 2025. Owning a home is the dream of every Pakistani family but for millions of low-income citizens, it has always felt impossible. Now, under Maryam Nawaz’s visionary initiative, the Punjab Government has launched two revolutionary housing programs Apni Zameen Apna Ghar (AZAG) and Apna Chhat Apna Ghar (ACAG).
Through these life-changing schemes, eligible families can receive a free 3 marla residential plot and an interest-free loan of Rs. 15 lakh to build their own homes in 2025. In this article i will guide you through everything from eligibility and benefits to the step-by-step application process.
What is the Apni Zameen Apna Ghar (AZAG) Scheme?
The AZAG Scheme 2025 is a housing assistance program by the Government of Punjab aimed at providing free residential plots to low-income and deserving families. This project is part of the Maryam Nawaz Housing Vision, designed to give dignity, ownership, and security to those who have never owned a home.
Under this scheme:
- Each eligible family receives a 3 marla plot free of cost.
- They can also apply for a Rs. 1.5 million (15 lakh) interest-free home construction loan under the ACAG program.
- Monthly installments are as low as Rs. 14,000, repayable over 7 years.
- Priority is given to widows, orphans, daily wage workers, and low-income families earning below Rs. 50,000.
Objectives of the AZAG + ACAG Housing Programs
The main goals of these government-backed initiatives are:
- Provide permanent shelter to landless and low-income families.
- Reduce poverty through long-term housing stability.
- Encourage women empowerment, giving property ownership priority to widows and single mothers.
- Boost Punjab’s housing infrastructure by developing modern low-cost communities.
- Promote financial inclusion by offering interest-free loans through government-verified banks.
Features and Benefits of AZAG & ACAG Schemes
The following table highlights the key details of both schemes for quick understanding:
| Feature | Details |
|---|---|
| Scheme Name | Apni Zameen Apna Ghar (AZAG) + Apna Chhat Apna Ghar (ACAG) |
| Launched By | Chief Minister Maryam Nawaz Sharif |
| Plot Size | 3 Marla residential plot |
| Loan Amount | Rs. 15 lakh (interest-free) |
| Monthly Installment | Rs. 14,000 (for 7 years) |
| Eligibility Income Limit | Less than Rs. 50,000 per month |
| Target Group | Widows, orphans, laborers, disabled, low-income households |
| Registration Fee | None (100% free) |
| Mode of Application | Online & offline via DC offices |
| Verification System | Computerized draw for transparency |
This structure ensures that no political influence or corruption can affect the selection it’s purely merit-based.
Who Can Apply for AZAG & ACAG 2025?
You can apply for this scheme only if you meet all eligibility conditions set by the Punjab Government.
Eligibility Criteria
- Must be a Pakistani citizen residing in Punjab
- No ownership of any residential land or house
- Monthly income below Rs. 50,000
- CNIC must be valid and verified
- Applicant’s family not already benefiting from similar housing schemes
Priority Categories
The following individuals receive special priority during the draw and verification process:
- Widows and single mothers
- Disabled persons
- Daily wage workers and laborers
- Low-income households living in rented homes
- Orphaned families
These categories highlight the government’s commitment to inclusivity and fairness.
Online Registration Process for AZAG Scheme 2025
For tech-savvy applicants, the online registration is the easiest and fastest method. Follow this simple guide:
- Visit the Official Website:
Go to the Apni Zameen Apna Ghar official portal (soon to be announced on the Punjab government’s site). - Click “Apply Online” or “Register Now.”
- Fill Out the Digital Form:
Enter your CNIC, name, address, email, and income details. - Select the Option to apply for both plot and ACAG loan.
- Upload Required Documents:
- CNIC copy
- Proof of income (if available)
- Family registration certificate
- Submit Application & Verify Email.
- Wait for Confirmation:
Once submitted, your application will undergo verification. If approved, you’ll receive an SMS or email confirmation.
Tip: Save your application tracking ID for checking your status later.
Offline Registration via DC Office (For Rural Areas)
For applicants without internet access, the Punjab Government has simplified the offline registration process.
How to Apply Offline
- Visit your nearest Deputy Commissioner (DC) office.
- Request the AZAG registration form from the helpdesk.
- Fill out the form manually and attach:
- CNIC photocopy
- Proof of residence
- Two passport-size photos
- Submit it back to the AZAG desk officer.
- Receive your acknowledgment receipt for reference.
This method ensures inclusion for citizens in remote villages where internet or smartphones are limited.
Document Verification and Screening Process
After receiving applications, authorities will digitally verify all submitted documents. Verification includes:
- CNIC & NADRA check
- Land ownership record review
- Income and employment verification
- Family data cross-match
Only eligible candidates will be added to the official draw list.
Computerized Draw & Allotment System
Once the verification phase ends, a computerized draw will decide who gets the 3 marla plots and interest-free loans.
Draw Process Highlights:
- 100% transparent computerized draw system
- Supervised by an 8-member district committee
- Results published on the official AZAG website
- Selected applicants notified via SMS or email
Note: No agent or private individual is authorized to confirm or guarantee your selection. Avoid scams and fake calls.
15 Lakh Interest-Free Home Loan from ACAG
After plot allotment, successful candidates can proceed to apply for the ACAG home loan, up to Rs. 1.5 million (15 lakh).
Loan Terms:
| Loan Amount | Rs. 15,00,000 |
|---|---|
| Interest Rate | 0% (Interest-Free) |
| Grace Period | 3 months (no payment) |
| Monthly Installment | Rs. 14,000 |
| Tenure | 7 years |
| Purpose | Home construction only |
All disbursements are made directly to the applicant’s construction account in phases — ensuring transparency and usage for the intended purpose.
Transparency & Fairness Mechanism
To maintain fairness, the government has introduced several anti-corruption measures:
- Computerized application and draw system
- No registration or agent fee
- District-level monitoring committees
- Real-time online verification through Punjab databases
These checks ensure that the Apni Zameen Apna Ghar and Apna Chhat Apna Ghar schemes reach the truly deserving.
Avoid Fraud and Misleading Information
Unfortunately, fake websites and agents often misuse government scheme names. Remember these key points:
- Official AZAG/ACAG registration is completely free.
- Never share your CNIC or payment details with unofficial sources.
- Only trust official government SMS or website notifications.
- Report any suspicious activity to your nearest DC office.
Documents Required for Registration
Here’s a list of documents you’ll need while applying:
- Original CNIC and photocopy
- Recent utility bill (for address verification)
- Proof of income (salary slip or affidavit)
- Family registration certificate (FRC)
- Two passport-size photos
Keep both hard and soft copies ready to speed up the verification.
AZAG Scheme 2025 Locations
Initially, the AZAG program will start in selected Punjab districts, including:
- Lahore
- Multan
- Faisalabad
- Rawalpindi
- Bahawalpur
- Sargodha
- Gujranwala
- Dera Ghazi Khan
Each district will have dedicated development zones for constructing affordable homes.
Why This Scheme is a Game-Changer
The AZAG and ACAG housing initiatives are more than just government programs — they are social equalizers. By providing free plots and zero-interest loans, the Punjab Government aims to:
- End homelessness among low-income citizens
- Empower women by ensuring property ownership in their names
- Create employment in the construction sector
- Enhance living standards in rural and urban Punjab
This initiative aligns with Pakistan Vision 2030, ensuring sustainable urban development.
FAQs
1. Who can apply for the AZAG Scheme 2025?
Anyone earning below Rs. 50,000 per month with no land or house ownership can apply.
2. Is the AZAG Scheme really free?
Yes, both registration and the 3 marla plot allotment are 100% free of cost.
3. How much is the home loan under ACAG?
Eligible applicants can receive an interest-free loan of Rs. 15 lakh for home construction.
4. What is the monthly installment amount?
The loan can be repaid in Rs. 14,000 monthly installments over seven years.
5. Where can I apply offline?
You can apply at your District Commissioner (DC) office under the AZAG helpdesk.
Conclusion
The Free 3 Marla Plot in AZAG Scheme 2025 with the 15 Lakh ACAG Home Loan is a golden chance for thousands of Pakistani families dreaming of a secure home. This transparent, corruption-free program by Maryam Nawaz’s Punjab Government is designed to bring real change to deserving lives.
