The Apni Zameen Apna Ghar Program 2025 is a major housing initiative launched by the Government of Punjab under the leadership of Chief Minister Maryam Nawaz Sharif. The project aims to provide 3-marla residential plots (approximately 675 sq. ft.) to low-income and landless families across the province.In the first phase, the program covers 19 districts of Punjab, where nearly 1,892 plots are being distributed among deserving citizens. The scheme is supervised by the Punjab Housing and Town Planning Agency (PHATA) and aligns with the provincial government’s broader Housing for All vision.The government has also announced an interest-free home construction loan of up to Rs 1.5 million to help beneficiaries build their dream houses. The program promotes inclusivity, focusing particularly on widows, persons with disabilities, and financially vulnerable families.
Key Highlights and Latest Updates
- Allocation of free 3-marla plots for eligible low-income families.
- Launch of a dedicated online e-portal to facilitate digital registration and application tracking.
- Offline registration available through Assistant Commissioner (AC) offices for applicants without internet access.
- Preference given to widows, disabled persons, and individuals below the poverty line.
- Application intake temporarily paused since July 2025, while authorities verify and process existing applications.
- The government is planning a transparent balloting system to allocate plots fairly among verified applicants.
Who Can Apply – Eligibility Criteria
To ensure the program benefits those who truly need support, the government has outlined specific eligibility rules.
| Criteria | Requirement |
| Residency | Applicant must be a permanent resident of Punjab. |
| District Restriction | Applications must be submitted only in the applicant’s home district. |
| Property Ownership | The applicant, spouse, or dependents must not own any land or house anywhere in Pakistan. |
| Household Income | Total monthly income should be below Rs 50,000. |
| NSER Registration | Applicant must be listed in the National Socio-Economic Registry (NSER). |
| PMT Score | Poverty Means Test (PMT) score must be 60 or below. |
| Clean Record | Applicant should not have any criminal record or be a bank defaulter. |
| One Application per Family | Only one form per family is allowed. |
How to Apply for the Apni Zameen Apna Ghar Program 2025
The Punjab Government provides both online and offline methods for registration. However, many rural families without internet access can apply easily through their AC Office.
Step 1: Visit Your District AC Office
Go to the Assistant Commissioner’s Office in your home district. Applications are accepted only within your registered district of residence.
Step 2: Approach the Housing Desk
Locate the “Apni Zameen Apna Ghar” help desk. Staff will guide you through the registration process and check your eligibility.
Step 3: Submit Required Documents
Bring both original and photocopies of your documents. Officials will verify your CNIC, NSER record, and income proof.
Step 4: Fill Out the Application Form
After verification, fill out the registration form carefully. Double-check all personal and family details.
Step 5: Data Entry & Confirmation Slip
Your information will be entered into the digital government database. You’ll receive an acknowledgment slip or tracking number.
Step 6: Await Balloting Results
Once your application is approved, your name will be included in the official ballot list. Selected applicants will be notified through SMS or by local authorities.
Required Documents for Registration
When visiting the AC Office, carry the following documents to ensure a smooth application process:
| Document | Purpose/Details |
| Original CNIC | Of applicant (and spouse, if married) |
| Domicile or Proof of Residence | Punjab domicile, rent agreement, or utility bill |
| Family Registration Certificate (FRC) | Issued by NADRA |
| Income Proof | Salary slip or affidavit (for self-employed) |
| NSER Registration Proof | NSER or PMT printout showing score below 60 |
| Marriage Certificate (if applicable) | Nikah Nama for married applicants |
Tip: Carry at least two photocopies of each document and keep one set for your records.
Key Details and Schedule Summary
| Feature | Details |
| Program Name | Apni Zameen Apna Ghar Program 2025 |
| Launched By | CM Maryam Nawaz Sharif |
| Plot Size | 3 Marla (Approx. 675 sq. ft.) |
| Loan Facility | Interest-free loan up to Rs 1.5 million |
| Application Mode | Offline through AC Office / Online Portal |
| Application Fee | Free of Cost |
| Districts Covered (Phase 1) | 19 districts |
| Plots Available (Phase 1) | Around 1,892 plots |
| Eligibility Cut-Off | PMT ≤ 60 and income < Rs 50,000/month |
| Application Status | New applications paused (processing ongoing) |
Common Mistakes to Avoid
- Submitting incomplete or expired documents.
- Applying in the wrong district.
- Paying unofficial agents or middlemen.
- Using an incorrect or outdated PMT score.
- Failing to keep a copy of the confirmation slip.
Benefits of Applying Through the AC Office
- Personal Assistance: Direct support from trained government staff.
- On-Spot Verification: Documents are checked instantly.
- No Internet Needed: Ideal for rural citizens.
- Transparency: Every application is recorded digitally.
- Free of Cost: No charges or service fees apply.
Frequently Asked Questions (FAQ)
Q1. Can I apply for this program online?
Yes. Online registration is available through the government’s official housing portal. However, those without internet access can apply manually through their district AC office.
Q2. What is the PMT score limit for eligibility?
Applicants must have a PMT score of 60 or below in the NSER database to qualify.
Q3. Is there any fee for the application process?
No. The registration process is completely free of cost. If anyone demands payment, report them to the local administration immediately.
Final Word
The Apni Zameen Apna Ghar Program 2025 is not just a housing project—it’s a lifeline for Punjab’s low-income families. By enabling both online and offline registration, the government ensures that every deserving citizen has an equal opportunity to own a piece of land and build a secure future.While the new registration window is temporarily paused, applicants are encouraged to keep their documents ready and follow official updates. This landmark initiative continues to move Punjab closer to the dream of “Apna Ghar Sab Ka Ghar.”