3 Marla Housing Scheme 2025
The Punjab Government has introduced a major housing initiative called the 3 Marla Housing Scheme 2025 under the Apni Zameen Apna Ghar (AZAG) program. Through this scheme, low-income and homeless families can receive a free 3 Marla residential plot worth Rs. 18 to 25 lakh. This project aims to solve Punjab’s growing housing crisis and help deserving families build safe, permanent homes.
Launched by Chief Minister Maryam Nawaz Sharif in September 2025, the scheme combines land ownership with financial support. The online application portal opened on 1 September 2025, and applications will continue until 31 December 2025. In the first phase, only 2,000 plots will be distributed across 19 districts, so early registration is important.
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What Is the 3 Marla AZAG Housing Scheme?
The AZAG scheme is specially created for citizens who do not own any land in Pakistan. The government will give free 3 Marla plots to help families move from renting or homelessness to owning a house. Unlike older housing programs, this scheme focuses on real land ownership, giving families long-term stability and a valuable financial asset.
Along with the plot, the government also offers interest-free construction loans so families can build their homes without financial pressure. The scheme supports low-income families, widows, orphans, disabled individuals, and laborers, ensuring that vulnerable communities receive housing assistance.
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Key Benefits of the Scheme
The biggest benefit is the free 3 Marla residential plot worth up to Rs. 25 lakh. Owning land creates security and long-term financial stability. The government has also created an Rs. 36 billion construction loan fund, allowing families to build their homes slowly and safely.
Main Benefits of the Scheme
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Free 3 Marla residential plot worth Rs. 18–25 lakh
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Interest-free construction loans for home building
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Priority for widows, orphans, disabled people, and laborers
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Verification through NSER for full transparency
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Both online and offline application options
Who Can Apply?
The government has set strict eligibility rules to ensure that help reaches only deserving families. Applicants must be permanent residents of Punjab and must not own any property anywhere in Pakistan.
Families need to be registered in the National Socio-Economic Registry (NSER), which verifies their income and poverty score. Only families earning less than Rs. 50,000 per month can apply. Special preference is given to widows, disabled persons, orphans, and daily wage laborers.
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Required Documents for Application
Correct documents are necessary for application approval. All information must match the details in the form. Documents are checked by local authorities to ensure transparency.
Required Documents
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CNIC (front and back)
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NSER Registration proof
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Monthly income certificate
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Disability proof (if applicable)
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Family Registration Certificate (FRC)
How to Apply Online
The online registration process is simple. Applicants can visit the official portal azag.punjab.gov.pk to fill out the form.
Steps to Apply Online:
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Visit the official portal and click “Apply Now.”
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Register using your CNIC and mobile number.
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Carefully fill out all required fields in the application form.
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Upload clear copies of all required documents.
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Submit the form and save your tracking number.
The tracking number can be used to check the application status anytime.
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How to Apply Offline
Families without internet access can apply through Deputy Commissioner (DC) Offices. A special help desk is set up to guide applicants. Staff assist with form filling, document checking, and submission.
After submitting the application, a tracking number is issued. This ensures that applicants can follow up on their case and stay informed.
Phase 1 Plot Distribution Districts
In the first phase, 2,000 plots will be distributed across 19 districts. These areas were selected based on population needs and land availability. More districts will be added in the next phases.
Short Table: Phase 1 Plot Distribution
| District | Scheme Area | Notes |
|---|---|---|
| Jhelum | Main Housing Block | High demand |
| Pattoki | Model Housing Scheme | Many applicants |
| Mamun Kanjan | Low-Income Zone | Priority for poor families |
| Lodhran | Central Housing Site | Quick processing expected |
| Renala Khurd | Urban Expansion Area | Good land availability |
Interest-Free Construction Loans
Along with free land, the government will provide interest-free loans through a Rs. 36 billion loan fund. These loans help families construct their homes step by step. Installments are easy to manage, and the entire process is monitored to prevent misuse.
This financial support ensures that families not only receive land but also have the means to build a safe, long-lasting house according to their needs.
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Application Deadline: 3 Marla
The application period is from 1 September to 31 December 2025. Late applications will not be accepted. Since only 2,000 plots are available in the first phase, families are encouraged to apply early.
Early applications reduce waiting time and increase the chances of inclusion in the first phase.
Verification, Selection, and Allotment
After submitting the application, the authorities will begin document verification. They will check NSER records, income status, and family details. Only families that meet all criteria will be selected.
Successful applicants will receive an allotment letter with full details about their plot. Priority will be given to widows, disabled individuals, orphans, and laborers. After allotment, the government guides the family on loan procedures and construction stages.
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Safety Tips for Applicants 3 Marla
Many people become victims of scams during government schemes. To protect yourself, follow the guidelines below:
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Do not pay money to agents
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Apply only through the official portal: azag.punjab.gov.pk
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Verify all SMS and calls before sharing information
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Keep your CNIC and tracking number safe
Conclusion
The 3 Marla Housing Scheme 2025 under the AZAG program is a life-changing opportunity for low-income families in Punjab. With free land, construction loans, and support for vulnerable groups, the scheme helps families secure a better and safer future. Eligible families should apply through the online portal or visit the DC office as soon as possible.
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FAQs
1. Is the 3 Marla plot completely free?
Yes. The plot is 100% free for eligible families under the AZAG scheme.
2. What is the income limit to apply?
Only families earning less than Rs. 50,000 per month can apply.
3. How many plots are available in Phase 1?
There are 2,000 free plots available across 19 districts in the first phase.