Apni Zameen Apna Ghar 3 Marla Scheme 2025: Quick Guide
The Apni Zameen Apna Ghar 3 Marla Scheme 2025, launched by Punjab CM Maryam Nawaz, offers free 3-marla plots (675 sq.ft.) to low-income families in Punjab. This initiative helps the homeless build their own homes with support from the Apni Chhat Apna Ghar loan program. Here’s a quick, clear guide on eligibility, benefits, how to apply, and 2025 updates.
What’s the Scheme?
This Punjab government program provides free 3-marla plots in 22 districts (33 locations) to families without land or homes. Phase 1 distributes 1,892 plots transparently. It also offers interest-free loans for house construction, targeting the poor and now middle-income families too.
Benefits
- Free Plot: 3-marla land (675 sq.ft.) at zero cost.
- Construction Loan: PKR 1.5 million, interest-free, repayable at PKR 14,000/month for 7 years.
- Own a Home: Escape rent and gain financial security.
- Priority for Needy: Widows, orphans, disabled, and laborers get preference.
- Job Creation: Boosts local economy through construction.
A 3-marla plot is suitable for a compact 2–3 room house, perfect for small families.
Eligibility
You qualify if you:
- Live in Punjab with a valid CNIC.
- Earn less than PKR 50,000/month (household).
- Own no land or house anywhere.
- Are registered with NSER (PMT score ≤ 60).
- Are 18+ (priority for married, widows, orphans, disabled).
- Have no criminal record or loan defaults.
Useful Info: Not NSER-registered? Visit a local NSER office to enroll.
How to Apply
- Confirm Eligibility: Make sure you qualify and are registered with NSER.
- Gather Documents:
- CNIC (applicant/spouse).
- Proof of Punjab residence (utility bill/domicile).
- Income proof (affidavit for laborers).
- NSER proof (PMT ≤ 60).
- NADRA family certificate.
- Apply Online (when portal opens):
- Go to acag.punjab.gov.pk.
- Register with CNIC, phone, and email.
- Submit form and scanned documents.
- Offline Option:
- Visit your district’s Deputy Commissioner Office.
- Submit documents at the scheme’s desk (free assistance provided).
- Verification & Allocation:
- NADRA/NSER checks your details.
- Plots assigned via transparent ballot/draw.
- SMS/email confirms selection with plot details.
Useful Info: Applications are free. Ignore anyone charging fees.
Applying for the Construction Loan
To build on your plot, get a PKR 1.5 million interest-free loan:
- Confirm plot ownership.
- Apply at acag.punjab.gov.pk or Deputy Commissioner Office.
- Submit CNIC, plot papers, NSER proof, and income documents.
- After verification, loan is paid in installments.
- Repay PKR 14,000/month for 7 years (3-month grace period).
Useful Info: Loan is for construction only, in approved colonies.
Latest Updates (May 2025)
- Wider Reach: Now includes middle-income families.
- Phase 1: 1,892 plots allocated; 3,000 houses being built per district.
- PSER Mandatory: Complete Punjab Socio-Economic Registry survey at pser.punjab.gov.pk.
- Fair Process: Eight-member committee ensures transparent allocation.
- Loan Success: PKR 924 million recovered from 25,500+ loans.
Official Links & Contacts
- Portal: acag.punjab.gov.pk – Apply and track status.
- Punjab Govt: punjab.gov.pk – Updates.
- PSER: pser.punjab.gov.pk – Survey registration.
- Helplines: 042-99213419, 0800-09100 (toll-free), or 0800-26477 (NSER).
- Complaints: complaints.punjab.gov.pk.
Useful Info: Check acag.punjab.gov.pk weekly for registration dates.
Why It’s a Big Deal
This scheme gives Punjab’s poorest families a chance to own land and build homes, ending rent struggles. With free plots, affordable loans, and focus on widows and disabled, it’s transforming lives. Plans for 100,000 houses in 4.5 years promise a brighter future.
Avoid Scams
- No Fees: Plot/loan applications are free.
- Use Official Sites: Only trust acag.punjab.gov.pk or Deputy Commissioner Offices.
- Report Fraud: Call 0800-09100 or use complaints.punjab.gov.pk.
Start Now: Get NSER-registered, prepare documents, and monitor acag.punjab.gov.pk to apply. Secure your 3-marla plot and build your home in 2025!
