The Punjab Government has launched one of its most impactful housing initiatives for low-income families: the Apni Zameen Apna Ghar (AZAG) and Apna Chhat Apna Ghar (ACAG) schemes. Personally initiated by Chief Minister Maryam Nawaz, these programs aim to provide long-term housing security for deserving citizens who have never owned land or a home.
Under this initiative, eligible families can receive:
✔ A free 3 Marla residential plot
✔ An interest-free home construction loan of up to Rs. 15 lakh
This guide explains the eligibility criteria, features of the scheme, and the complete application process for both online and offline applicants.
What Is AZAG & ACAG?
The Apni Zameen Apna Ghar (AZAG) and Apna Chhat Apna Ghar (ACAG) schemes are designed to support Pakistan’s poorest families by offering them the opportunity to build and own their own homes. The goal is to uplift struggling households and ensure that no family is left without shelter due to financial constraints.
These schemes directly benefit widows, laborers, orphans, daily-wage workers, and low-income families earning less than Rs. 50,000 per month.
Key Features of the AZAG & ACAG Schemes
Here are the main benefits provided under these housing programs:
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Free 3 Marla residential plot across Punjab
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Interest-free home loan of Rs. 1.5 million (15 lakh)
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Easy monthly installments of Rs. 14,000
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Repayment period of 7 years
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No registration fees or hidden charges
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Computerized and transparent allotment system
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Online and offline application options
The government has ensured complete transparency through an 8-member district committee that monitors the entire process.
Who Can Apply for AZAG & ACAG? (Eligibility Criteria)
To qualify for the scheme, applicants must:
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Be a Pakistani citizen living in Punjab
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Not own any residential land or house
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Have a monthly income below Rs. 50,000
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Not be receiving any other government housing assistance
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Belong to a low-income or financially struggling household
Priority Will Be Given To:
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Widows and orphan families
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Disabled individuals
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Daily-wage earners and laborers
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Highly needy households
This ensures the benefits reach the most deserving families first.
How to Apply Online for a Free 3 Marla Plot & Rs. 15 Lakh Loan
The Punjab Government has launched a dedicated portal for online applications.
Step-by-Step Online Registration
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Visit the official AZAG Portal
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Click on the Registration button
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Enter your CNIC, name, and required details
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Provide a valid email address for verification
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Select whether you are applying for the plot, home loan, or both
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Submit the form
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Wait for an official confirmation message
Once your information is verified, your name will be included in the official computerized draw list.
Offline Registration – Through DC Office
Families without internet access can apply through their nearest Deputy Commissioner (DC) office.
At the AZAG Helpdesk:
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Collect a physical registration form
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Submit your CNIC and supporting documents
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Complete your application without paying any fee
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Receive a confirmation slip
This ensures that even citizens in remote or rural areas can apply easily.
Plot Allotment & Home Loan Approval Process
Applicants selected through the computerized draw will receive:
1. A Free 3 Marla Residential Plot
After your eligibility is confirmed, the plot will be allotted in your name.
2. Interest-Free Home Loan of Rs. 15 Lakh
Loan Features:
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Rs. 1.5 million loan for construction
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0% interest rate
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First 3 months: No payment required (grace period)
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Monthly installment: Rs. 14,000
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Total duration: 7 years
⚠ Note: Missing three consecutive installments may cancel the loan and allotment.
How the Computerized Draw System Works
The selection is completely fair and transparent:
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Applications are screened for eligibility
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Income, CNIC, and property ownership are verified
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Only genuine applicants enter the final list
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Winners are selected via computerized draw
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Results are published on the official portal
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Selected applicants receive SMS alerts from government numbers
No political influence or favoritism is allowed at any stage.
Important Instructions for Applicants
- Registration is 100% free
- Do not pay any agent or middleman
- Apply only through official channels
- Keep your CNIC updated and valid
- Do not submit multiple applications
- Save your application confirmation slip
Fraudulent agents are strictly warned against—beware of fake messages or phone calls.
Conclusion
The AZAG & ACAG housing schemes offer a life-changing opportunity for low-income families in Punjab. With a free 3 Marla plot and Rs. 15 lakh interest-free home construction loan, thousands of deserving families can finally build a safe and stable future.
If you meet the eligibility criteria, make sure to apply as soon as possible, whether online or at your nearest DC office.