The CM Punjab AZAG Scheme (short for Apni Zameen Apna Ghar) is a housing inventiveness by the Punjab Administration, under CM Maryam Nawaz Sharif. It aims to grant free residential plots to low-income and vagrant families, and later deliver provision for building homes via interest-free loans. The arrangement’s first phase assigns 3-marla plots across Punjab districts. The official gateway is azag.punjab.gov.pk.
Apply for CM Punjab AZAG Scheme
| Program / Scheme | Launch / Start | Assistance / Benefit | Application Method |
|---|---|---|---|
| CM Punjab AZAG / Apni Zameen Apna Ghar | 2025 (Phase I) | Free 3-marla residential plots + possibility of interest-free home construction loan | Fully online via official portal; offline helpdesk in some centers |
What Is CM Punjab AZAG Scheme (Apni Zameen Apna Ghar)?
The Apply for CM Punjab AZAG Scheme (Apni Zameen Apna Ghar) is a flagship housing programme of Punjab which offers free 3-marla residential plots to eligible homeless or underprivileged families.
It is being rolled out in phases. In Phase I, the government plans to allocate approximately 1,892 plots across 23 housing schemes in 19 districts of Punjab.
Along with plot allotment, selected beneficiaries may be eligible for interest-free loans to build their homes under companion schemes.
The scheme is administered by PHATA (Punjab Housing & Town Planning Agency), under the Housing, Urban Development & Public Health Engineering Department (HUD&PHED).
Eligibility Criteria for AZAG Scheme 2025
To Apply for CM Punjab AZAG Scheme, you need to meet certain eligibility rules. Here are the official criteria:
- Must be a permanent resident of Punjab (valid CNIC)
- You must apply within your home district (you cannot apply for plots in other districts)
- Neither you, your spouse, nor dependent children should own any plot or house anywhere in Pakistan
- You should have a clean criminal record (no criminal history)
- You should not be a defaulter of a bank or financial institution
- All information you submit must be accurate; false declarations can cause disqualification
Also, there are Terms of Reference (TORs) for plot allotment:
- After you get possession of the plot, you must commence construction in six months following prevailing building by-laws.
- Construction must be completed within two years from the date of possession.
- If any rule is violated, or the plot is misused, your allotment may be canceled.
How to Apply for CM Punjab AZAG Scheme (Online & Offline)
You can apply via online portal or using offline assistance. Here is the full process:
Online Application (Recommended)
- Visit https://azag.punjab.gov.pk (official portal)
- Register / Create Account (if first time) or Login if already registered.
- Fill the Application Form: Provide your personal details, CNIC, address, income details, and answer eligibility questions.
- Upload required documents (scanned) such as CNIC, proof of no property ownership, income proof, etc.
- Review & Submit the application. Double-check all information before submitting.
- After submission, you can track your application status through portal.
Offline / In-Person Application (if needed)
- Visit your Tehsil Municipal Administration (TMA) office or local housing / planning / CM Helpdesk in your district. Some districts may host assistance desks.
- Get a physical form, fill in all details, attach required documents, and submit it within the deadline.
- The staff will enter your application on the portal on your behalf.
- You can also get help at local DC offices or Deputy Commissioner’s office in some districts per news reports.
What Happens After Application — Allotment & Plot Development
Once application closes:
Verification & Scrutiny
All applications go through verification by PHATA / housing authorities: checking CNIC, property records, and eligibility rules.
Balloting / Lottery
A computerized balloting process is used to fairly select beneficiaries among verified applicants.
Allotment Letter & Plot Possession
Selected applicants receive an allotment letter and legal process to get possession of the 3-marla plot.
Construction / Loan
After getting the plot:
- You must start construction within 6 months per rules.
- Complete construction within two years.
- In many reports, selected beneficiaries can apply for interest-free home construction loans to build houses.
Vision, Long-Term Goals & Program Expansion
The AZAG scheme is part of a larger vision for housing security, urban planning, and social inclusion in Punjab. The government intends to gradually expand beyond Phase I to cover more districts.
By giving free plots to the homeless and supporting construction, the scheme reduces inequality, improves living standards, and stimulates jobs in construction and allied sectors. The portal launch emphasizes transparency and digital governance.
Useful Notes & Warnings
- The online registration period may close after deadlines — at times, the portal shows “You cannot submit new application now.”
- Always use the official portal (azag.punjab.gov.pk) for registration; avoid fake sites.
- The AZAG Field Verification App is used by field teams to verify documents and applicant locations.
- Be careful: If you start construction late, violate rules, or give false info, your allotment can be canceled.
- Always track your application status via the portal.
Conclusion
The Apply for CM Punjab AZAG Scheme (Apni Zameen Apna Ghar) is a transformative step toward if free residential plots (3 marla) to the homeless and needy in Punjab, along with pathways to build their homes via interest-free support. If you satisfy eligibility (Punjab enduring local, no stuff possession, clean record, smearing in your district), register online at azag.punjab.gov.pk or through a local helpdesk. After submission, go through confirmation and canvassing; if selected, you will get your plot and formerly build your home-based under set rules.
