The Government of Punjab, under the vision of Chief Minister Maryam Nawaz Sharif, has accelerated the Apni Zameen Apna Ghar (AZAG) Scheme in January 2026. This initiative is a lifeline for homeless and landless families, providing them with free 3-Marla residential plots and access to interest-free loans to build their dream homes.
Quick Overview (January 2026)
| Feature | Details (Updated 2026) |
| Plot Size | 3 Marla (Residential) |
| Cost of Plot | 100% Free (No Government Fees) |
| Phase 1 Allocation | 1,892+ Plots across 22 Districts |
| Construction Support | Interest-free loans up to Rs. 1.5 Million |
| Selection Method | Transparent Computerized Balloting |
| Official Website | azag.punjab.gov.pk |
Key Updates for January 2026
As of the start of 2026, the scheme has moved into a critical verification and possession phase.
- Expansion of Districts: Phase 1 originally targeted 19 districts, but has now been expanded to 22 districts including Jhelum, Lodhran, Kasur (Pattoki), Faisalabad (Mamun Kanjan), and Okara (Renala Khurd).
- Balloting Results: The first round of computerized balloting for over 1,800 plots has been completed. Applicants can now check their results using their CNIC on the portal.
- Integration with Loan Scheme: Beneficiaries who receive a free plot are now automatically eligible to apply for the Apni Chhat Apna Ghar interest-free loan of Rs. 1.5 million for construction.
Who is Eligible for Apni Zameen Apna Ghar Scheme? (2026 Criteria)
To ensure the plots reach those who truly need them, the Punjab Housing and Town Planning Agency (PHATA) follows strict rules:
- Residency: You must be a permanent resident of Punjab (verified by CNIC and Domicile).
- Landless Status: Neither the applicant nor their spouse/children should own any residential property in Pakistan.
- Income Limit: Monthly household income must be less than Rs. 50,000.
- Priority Categories: Widows, orphans, laborers, and persons with disabilities (PWDs) are given special preference in the balloting process.
How to Apply Online (Step-by-Step)
If you haven’t applied yet, the portal is intermittently open for new phases. Follow these steps:
- Step 1: Visit the official portal: azag.punjab.gov.pk.
- Step 2: Register using your 13-digit CNIC and mobile number.
- Step 3: Fill in the “General Information” section (Education, Family Details).
- Step 4: Provide “Income & Housing” details (Current rent paid, monthly income).
- Step 5: Upload required documents (CNIC copy, Income Certificate, and Affidavit of no property).
Strict Terms and Conditions
Owning a plot under this Apni Zameen Apna Ghar Scheme comes with responsibilities:
- Construction Deadline: You must start building within 6 months of taking possession and complete the house within 2 years.
- No Sale Policy: The plot cannot be sold, rented out, or transferred for a minimum of 5 years.
- Residential Use Only: The land cannot be used for shops, warehouses, or any commercial activity.
- Inspections: PHATA teams carry out regular site visits to ensure construction matches government standards.
How to Check Your Application Status
If you have already applied, follow these steps to see if you have been selected:
- Log in to the azag.punjab.gov.pk portal.
- Navigate to the “Check Balloting Result” tab.
- Enter your CNIC without dashes.
- If selected, you will see an “Approved” status along with your plot’s location and allotment details.
Official Support & Helpline
For any technical issues or complaints, contact the official Punjab Government channels:
- Helpline: 0800-02345 (General) / 042-111-333-267 (PHATA)
- Email: info@azag.punjab.gov.pk
- Office: Visit your nearest Deputy Commissioner (DC) Office for offline assistance.
Conclusion
The Apni Zameen Apna Ghar Scheme 2026 is more than just a housing project; it is a movement to restore dignity to the most vulnerable citizens of Punjab. By combining free land with interest-free construction loans, the government is making homeownership a reality for thousands.