3 Marla Housing Scheme
3 Marla Housing Scheme Punjab Government has launched a groundbreaking initiative to provide free 3 Marla plots to low-income and homeless families through the Apni Zameen Apna Ghar (AZAG) scheme. Valued between Rs. 18 to 25 lakh, these plots give eligible families a chance to own land and build a secure home. With the housing crisis growing in Punjab, this program offers a real opportunity to improve living conditions and secure a dignified future.
Launched by CM Maryam Nawaz Sharif in September 2025, the scheme builds on previous housing initiatives, offering a more comprehensive solution that combines land ownership with financial support for construction. The official e-portal opened on September 1, 2025, and applications will be accepted until December 31, 2025. Interested families are urged to apply early, as only 2,000 plots are available in the first phase, spread across 19 districts.
You Can Also Read: AZAG Punjab Balloting Result Announcement
What Is the 3 Marla AZAG Housing Scheme?
The Apni Zameen Apna Ghar scheme is designed for citizens who do not own any property in Pakistan. The government provides free 3 Marla plots to help families transition from homelessness to homeownership. Unlike previous initiatives, this program emphasizes actual land ownership, giving beneficiaries both security and a tangible asset that can enhance their economic stability.
Along with plot allotment, the scheme also provides interest-free loans for construction, ensuring that families can build homes without financial stress. The initiative targets families with low income, widows, orphans, disabled individuals, and laborers. This comprehensive approach aims to address housing shortages, promote social equity, and empower vulnerable communities across Punjab.
You Can Also Read: Ration Card 2025 Punjab Online Registration 3,000
Key Benefits of the Scheme
The most notable benefit of the scheme is the free 3 Marla residential plot, which carries a substantial market value of Rs. 18–25 lakh. Owning land not only provides a sense of security but also enables families to build homes that meet their needs. The scheme ensures that families have a strong foundation for a better future.
Another key advantage is the Rs. 36 billion interest-free construction loan fund. This fund allows beneficiaries to gradually build homes according to their financial capacity. Loans are disbursed under strict supervision, ensuring transparency and proper utilization. The government also gives priority to vulnerable groups to ensure that assistance reaches those most in need.
Top benefits include:
- Free 3 Marla residential plot with high market value
- Interest-free construction loans for affordable home building
- Priority for widows, orphans, disabled individuals, and laborers
- Transparent verification through NSER registration
- Online and offline application support for all citizens
You Can Also Read: BISP Payment November Districts List Revealed
Eligibility Criteria – Who Can Apply
Eligibility is strictly defined to ensure that the scheme benefits only deserving families. Applicants must be permanent residents of Punjab and must not own any property anywhere in Pakistan. This ensures that the program helps only landless and low-income families.
The family must also be registered in the National Socio-Economic Registry (NSER), which verifies their household income and socio-economic status. Only families with a monthly income below Rs. 50,000 are eligible. Special preference is given to widows, orphans, disabled individuals, and daily wage laborers to ensure that the most vulnerable sections of society are supported.
Required Documents for Application
Submitting correct and verified documents is crucial for a successful application. Both online and offline applications require accurate documents to avoid rejection. Families must ensure that the documents match the information provided in the application form.
Required documents include:
- CNIC (both sides)
- NSER registration proof
- Income certificate
- Proof of disability (if applicable)
- Family Registration Certificate
These documents are cross-verified by local authorities before final approval to ensure transparency and fairness in plot allocation.
You Can Also Read: BISP Alipur Update No Surveys for 45 Days
How to Apply Online – Step-by-Step
The online application process is fast, simple, and accessible to everyone. Applicants can register on the official portal azag.punjab.gov.pk and complete the application in just a few steps. Once the form is submitted, a tracking number is provided to monitor the application status.
The portal allows users to upload all required documents and receive updates directly from government officials. Families are advised to keep their CNIC and NSER registration details ready for smooth processing. Early submission increases the chance of securing a plot in the first phase.
Online Registration Steps:
- Visit azag.punjab.gov.pk and click “Apply Now”
- Register using your CNIC and contact details
- Fill out the application form carefully
- Upload all required documents
- Submit the form and note the tracking number
How to Apply Offline
For those without internet access, offline registration is available at local Deputy Commissioner (DC) Offices. A dedicated desk is set up at each office to guide applicants through the registration process. The staff assists in filling out forms, verifying documents, and submitting applications.
Applicants will receive a tracking number after submission, which allows them to follow up on the application. Offline registration ensures that no deserving family is left behind due to lack of digital access.
You Can Also Read: BISP Wallet Account Opening via Code & Apps
Plot Distribution Areas – Phase 1
In the first phase, 2,000 plots will be distributed in 19 districts across Punjab. These districts were chosen based on housing demand and government land availability, ensuring that plots reach areas where they are most needed. The government plans to expand to additional districts in subsequent phases.
Phase 1 Plot Distribution Districts
| District | Town/Scheme Area | Notes |
|---|---|---|
| Jhelum | Main Housing Block | High demand area |
| Pattoki | Model Housing Scheme | Large number of applicants |
| Mamun Kanjan | Low-Income Zone | Priority for poor families |
| Lodhran | Central Housing Site | Quick allocation expected |
| Renala Khurd | Urban Expansion Area | Good land availability |
This table shows the key districts and their respective areas where plots will initially be allocated. Families in these regions should apply promptly to secure their plots.
Construction Support – Interest-Free Loans
The government provides interest-free construction loans to help beneficiaries build their homes on the allotted plots. The Rs. 36 billion fund is carefully monitored to ensure proper use. Loan installments are designed to be affordable, allowing families to complete construction in stages without financial burden.
This approach ensures that families not only receive land but also have the means to construct a proper home. Beneficiaries can plan the building according to their family needs and available resources, making homeownership realistic and sustainable.
You Can Also Read: BISP Free SIM Distribution Begins
Application Timeline and Last Date
The registration period runs from September 1 to September 31, 2025. Applications submitted after the deadline will not be accepted, and no extension has been announced. Since the first phase has only 2,000 plots, timely submission is critical.
Early applications improve the chances of selection and reduce waiting times for subsequent phases. Families should ensure all documents are ready before applying and complete the process as soon as possible to avoid delays.
Verification, Selection, and Allotment
After submitting applications, local authorities perform document verification and cross-check with NSER records. This ensures that only deserving families are selected. After verification, successful applicants receive allotment letters with details about their plot.
The selection process also includes prioritization for widows, orphans, disabled individuals, and laborers. Beneficiaries are guided through the next steps for receiving loans and beginning construction.
Safety Tips and Official Contacts
To prevent fraud, applicants should always use official government channels. Do not pay any money to agents or intermediaries claiming to secure plots. Updates and notifications are sent via the official portal and verified government contacts only.
Safety tips:
- Do not pay any unofficial fees
- Use only the official portal: azag.punjab.gov.pk
- Keep your CNIC and tracking number safe
- Verify all SMS or calls from authorities before sharing information
Conclusion
The 3 Marla Housing Scheme under Apni Zameen Apna Ghar is a transformative opportunity for low-income families in Punjab. With free land, construction loans, and priority for vulnerable groups, this scheme is a realistic step toward reducing homelessness and promoting homeownership.
Families who qualify should apply immediately via the official portal or visit the DC office to secure their plots and begin building a better future.
You Can Also Read: BISP Beneficiary Notice Wrong-District SIM