Marla Housing Project by Punjab Government
The Government of Punjab, under the leadership of Chief Minister Maryam Nawaz Sharif, has fast-tracked the Apni Zameen Apna Ghar (AZAG) Scheme in January 2026. This landmark initiative is designed to support homeless and landless families by granting free 3-Marla residential plots along with interest-free construction loans, turning the dream of homeownership into reality.
Quick Overview – January 2026
| Feature | Details (Updated 2026) |
|---|---|
| Plot Size | 3 Marla (Residential) |
| Cost of Plot | Completely Free (No Government Charges) |
| Phase-1 Allocation | 1,892+ Plots in 22 Districts |
| Construction Support | Interest-Free Loan up to Rs. 1.5 Million |
| Selection Process | Transparent Computerized Balloting |
| Official Portal | azag.punjab.gov.pk |
Key Developments in 2026
At the start of 2026, the AZAG scheme has entered an advanced phase focusing on verification, balloting results, and possession.
The district coverage has been expanded from the initial 19 districts to 22 districts, now including Jhelum, Lodhran, Kasur (Pattoki), Faisalabad (Mamun Kanjan), and Okara (Renala Khurd).
The first round of computerized balloting for more than 1,800 plots has been successfully completed. Applicants can now check their status online using their CNIC number.
To further support beneficiaries, the scheme has been linked with the Apni Chhat Apna Ghar program, allowing successful applicants to automatically apply for an interest-free construction loan of up to Rs. 1.5 million.
Official BISP Website: https://www.bisp.gov.pk/
Eligibility Criteria – Apni Zameen Apna Ghar 2026
To ensure transparency and fairness, PHATA (Punjab Housing and Town Planning Agency) applies strict eligibility rules:
Applicants must be permanent residents of Punjab, verified through CNIC and domicile records.
Neither the applicant nor their spouse or dependent children should own any residential property anywhere in Pakistan.
The monthly household income must be below Rs. 50,000.
Special priority is given to widows, orphans, daily wage laborers, and persons with disabilities (PWDs) during the balloting process.
How to Apply Online (2026 Method)
For upcoming phases, applications are submitted online through the official portal:
Visit azag.punjab.gov.pk
Register using your 13-digit CNIC and active mobile number
Complete the General Information section (education, family details)
Provide accurate income and housing details
Upload required documents including CNIC copy, income certificate, and affidavit confirming no property ownership
Important Terms & Conditions
Allottees must comply with government regulations:
Construction must begin within 6 months of possession and be completed within 2 years
Plots cannot be sold, transferred, or rented for at least 5 years
Land is strictly for residential use only
PHATA inspection teams regularly monitor construction progress and compliance
How to Check Application or Balloting Status
Applicants can check their results by:
Logging in to azag.punjab.gov.pk
Clicking on “Check Balloting Result”
Entering CNIC (without dashes)
Selected applicants will see an Approved status along with plot location and allotment details.
Official Helpline & Support
For complaints or technical assistance, contact official channels only:
Helpline: 0800-02345 / 042-111-333-267 (PHATA)
Email: info@azag.punjab.gov.pk
Offline Help: Nearest Deputy Commissioner (DC) Office
Apni Zameen Apna Ghar Scheme 2026 FAQs
Q1 What is Apni Zameen Apna Ghar Scheme 2026?
A Punjab government housing scheme providing free 3-Marla plots and interest-free construction loans to homeless families.
Q2 Who launched the AZAG Scheme 2026?
The scheme is fast-tracked under Chief Minister Maryam Nawaz Sharif.
Q3 How many plots are being allocated in Phase-1?
Over 1,892 residential plots across 22 districts of Punjab.
Q4 Is the 3-Marla plot really free?
Yes, the plot is completely free, with no government charges.
Q5 What loan is offered for house construction?
Eligible applicants can get an interest-free loan up to Rs. 1.5 million.
Q6 Who is eligible for AZAG Scheme 2026?
Punjab residents with no property ownership and monthly income below Rs. 50,000.
Q7 Are widows and disabled persons given priority?
Yes, widows, orphans, laborers, and PWDs receive special priority.
Q8 How to apply for Apni Zameen Apna Ghar online?
Apply through the official portal azag.punjab.gov.pk using CNIC.
Conclusion
The Apni Zameen Apna Ghar Scheme 2026 is not just a housing initiative—it is a transformative program aimed at restoring dignity, security, and stability to Punjab’s most vulnerable citizens. By combining free residential land with interest-free construction financing, the Punjab Government is laying the foundation for a more inclusive and prosperous future.