Apply Now: Free 3 Marla Plot in AZAG Scheme + Rs. 15 Lakh Home Loan from ACAG. Owning a home is a dream for millions of low-income families across Pakistan. To make this dream a reality, the Punjab Government has launched the revolutionary Apni Zameen Apna Ghar (AZAG) and Apna Chhat Apna Ghar (ACAG) schemes. Initiated personally by Punjab Chief Minister Maryam Nawaz, these programs are designed to support the most deserving and needy citizens.
Under this initiative, 3 Marla residential plots are offered free of cost, and an interest-free home construction loan of up to Rs. 1.5 million is available to help families build their own houses.
The main objective of these schemes is to provide shelter for those who have never had the financial means to buy land or construct a home. The application process is simple, transparent, and accessible online and offline, ensuring every eligible person can participate.
Let’s explore all the details about the program, eligibility, and step-by-step registration process.
Features of Apni Zameen Apna Ghar (AZAG) & Apna Chhat Apna Ghar (ACAG)
The AZAG and ACAG schemes are designed to maximize benefits for low-income families:
- Free 3 Marla residential plots across Punjab
- Interest-free loan of Rs. 1.5 million for house construction
- Monthly installment of Rs. 14,000 for 7 years
- Open to households earning less than Rs. 50,000 per month
- Transparent allotment through an 8-member district committee
- No registration fees or hidden charges
- Online and offline registration options
Who Can Apply for the AZAG & ACAG Schemes?
The schemes are targeted at genuinely needy individuals who:
- Have no property or house ownership
- Have no stable income source
- Receive no financial assistance
Applicants must be Pakistani citizens residing in Punjab and should not already own land or a house. Priority will be given to:
- Widows and orphan families
- Daily wage workers and laborers
- Disabled persons and low-income households
- Households earning less than Rs. 50,000 per month
The government ensures no favoritism or influence in the registration or allotment process. All eligible names are included in a computerized draw system for fair selection.
Online Registration Process – Step by Step
For individuals with internet access, online registration is the most convenient option. The Punjab Government has established a dedicated portal:
- Visit the official AZAG portal
- Click the Registration button
- Fill in your CNIC, name, and other details
- Enter a valid email address and verify it
- Select the option to apply for the plot and home construction loan
- Submit the form and wait for confirmation
After submission, your details will be verified. Eligible applicants will have their names added to the official draw list. Results are publicly announced on the portal.
Offline Registration at DC Office
For citizens in rural or remote areas, offline registration is available at all Deputy Commissioner (DC) offices in Punjab. The AZAG helpdesk assists applicants to:
- Collect and fill out registration forms manually
- Submit CNIC and supporting documents
- Register without paying any fee or middleman
This process ensures that even those without internet or smartphones can participate. All procedures are supervised for transparency.
Plot & Home Loan Approval Process
Once selected in the draw, applicants will first receive a 3 Marla residential plot in their name. Then, the Rs. 15 lakh interest-free loan process begins.
Loan Details:
- Interest-free and strictly for home construction
- Grace period: First 3 months without payments
- Monthly installments: Rs. 14,000
- Repayment duration: 7 years
- Missing three consecutive payments may lead to cancellation
- Timely payments help families achieve their dream home securely
Application Screening and Draw System
The government uses a computerized draw system to ensure fairness:
- Eligibility is verified based on income, property ownership, and family status
- Only genuine applicants make it to the final draw
- Results are uploaded on the official portal
- Selected individuals receive notifications via official government numbers
- Applicants are warned not to trust agents or pay anyone
Important Instructions for Applicants
- Registration is 100% free – do not pay anyone
- Apply only through official online portals or DC offices
- Avoid fraudsters and fake messages
- Keep a copy of application confirmation
- Do not submit multiple applications with the same CNIC
Conclusion
The Apni Zameen Apna Ghar (AZAG) and Apna Chhat Apna Ghar (ACAG) schemes are historic initiatives by the Punjab Government to provide homes for those living in rented houses or with no permanent shelter.
