In today’s era of inflation and unemployment, owning a home has become a distant dream for millions of Pakistani families. To make this dream possible, the Punjab Government has launched a groundbreaking initiative — Apni Zameen Apna Ghar Program 2025.
Under the leadership of Chief Minister Maryam Nawaz Sharif, this scheme aims to provide free 3-marla residential plots and interest-free loans to deserving low-income families.
And now, in a major update, the government has introduced an offline registration system through Assistant Commissioner (AC) offices — making it easy for people without smartphones or internet access to apply.
This step ensures equal opportunity, transparency, and inclusivity for every deserving family across Punjab.
Program Overview
| Details | Description |
| Program Name | Apni Zameen Apna Ghar Program 2025 |
| Registration Mode | Offline via AC Office |
| Plot Size | 3 Marla (675 sq. ft.) |
| Loan Amount | Up to Rs. 1.5 million (interest-free) |
| Eligibility | Families earning below Rs. 50,000 per month |
What Is the Apni Zameen Apna Ghar Program 2025 and What’s New?
The Apni Zameen Apna Ghar Program 2025 is a flagship housing scheme launched by the Punjab Government to provide permanent homes to families who don’t own any property.
Under this program, eligible families will receive:
- A free 3-marla residential plot (675 sq. ft.)
- An interest-free loan of up to Rs. 1.5 million for construction
- Transparent computer-based balloting for plot allocation
- Priority for widows, disabled persons, and families living below the poverty line
In Phase 1, over 1,800 plots are being distributed across 19 districts of Punjab.
New 2025 updates include:
- Simplified offline application via local AC offices
- Digital verification for NSER and PMT scores
- Enhanced transparency with centralized data entry
- Free application — no middlemen or fees allowed
Who Can Apply for the Apni Zameen Apna Ghar Program 2025?
This scheme is meant for truly deserving families. Applicants must:
- Be a resident of Punjab with a valid CNIC.
- Not own any house or plot anywhere in Pakistan.
- Have a monthly household income below Rs. 50,000.
- Be registered in the NSER database with a PMT score of 60 or below.
- Apply personally — no agents or representatives are allowed.
Step-by-Step Guide: How to Register Offline via AC Office
For those without internet or digital literacy, the government has introduced a straightforward offline registration system.
Follow these steps:
- Visit your district AC Office during working hours.
- Go to the Apni Zameen Apna Ghar Help Desk.
- Submit your original CNIC and photocopies along with the required documents.
- The staff will verify your income, NSER status, and eligibility.
- Fill out the official registration form with the help of staff.
- Your data will be entered into the government database.
- Eligible applicants will automatically be added to the computerized balloting system.
Important:
The process is completely free. Do not pay anyone or use agents. Report any bribe or fraud immediately through the government helpline.
Documents Required for Offline Registration
| Document | Description |
| CNIC | Applicant and spouse (if married) |
| Proof of Residence | Punjab domicile, rent agreement, or utility bill |
| Family Registration Certificate (FRC) | From NADRA |
| Proof of Income | Salary slip or affidavit (for self-employed) |
| NSER / PMT Score Slip | Must be 60 or below |
| Marriage / Widow / Disability Certificate | If applicable |
How Will the Balloting Work?
To ensure transparency, all applications will be entered into a computerized system.
After the registration phase ends, the Punjab Government will conduct computer-based balloting, and results will be published both online and offline.
Successful applicants will receive a notification through SMS and can later collect their plot allotment letter and loan details from designated offices.
Why Offline Registration Matters
Many low-income families in rural areas do not have access to smartphones or stable internet connections.
By introducing offline registration through AC offices, the Punjab Government ensures equal participation and fair opportunity for every citizen.
This inclusive approach allows everyone — regardless of education or technology barriers — to apply for the program and secure permanent housing.
Helpline for Complaints & Support
The Punjab Government has set up a dedicated helpline to ensure transparency and protect citizens from fraud.
📞 Helpline Number: 0800-09100
🕒 Timings: Monday to Friday, 9 AM to 5 PM
You can report:
- Bribe or unauthorized fees
- Fake agents or scams
- Registration issues
Conclusion
The Apni Zameen Apna Ghar Program 2025 is a historic and life-changing step toward building a more equal and secure Punjab.
By introducing offline registration via AC offices, the government ensures that no deserving family is left behind — even those without digital access.
This initiative gives hope to thousands of families, empowering them with ownership, stability, and dignity.
If you meet the eligibility criteria, visit your nearest AC office today and submit your application — don’t miss this golden opportunity to build your own home.
Official Website:
https://housing.punjab.gov.pk
FAQs
1. What is the Apni Zameen Apna Ghar Program 2025?
It’s a Punjab Government housing initiative that provides free 3-marla plots and interest-free loans up to Rs. 1.5 million to low-income families who don’t own property.
2. How can I apply offline through the AC office?
Visit your local Assistant Commissioner (AC) office, go to the Apni Zameen Apna Ghar help desk, and submit your CNIC and documents. Staff will help you complete the registration form.
3. Is there any fee for registration?
No, the registration process is completely free. The government has clearly stated that no bribes or fees are required. Report any such demand immediately.
4. Who is eligible for this scheme?
Applicants must live in Punjab, have no property, earn less than Rs. 50,000 per month, and have a PMT score of 60 or below in the NSER database.
5. When will the results of the balloting be announced?
The computerized balloting will take place after registration closes. Successful applicants will be informed through SMS and the official website.
