The 3 Marla Plot Scheme 2026, also known as Apni Zameen Apna Ghar (AZAG), is a flagship housing initiative under the leadership of Chief Minister Maryam Nawaz Sharif. This landmark scheme aims to provide free 3 marla residential plots to deserving low-income families across Punjab, empowering them with land ownership, social dignity, and access to interest-free home construction loans.
The scheme is implemented by the Punjab Housing & Town Planning Agency (PHATA) via the Housing, Urban Development & Public Health Engineering Department (HUD&PHED).
3 Marla Plot Scheme 2026 Registration Online Apply Application Process
Under this program, eligible families receive a 3 marla (675 sq ft) residential plot free of charge. Along with the plot, families may avail interest-free home construction loans under the Apni Chhat Apna Ghar initiative to construct their homes.
The scheme targets vulnerable and low-income groups, including widows, orphans, persons with disabilities, daily-wage laborers, and families with monthly incomes below Rs. 50,000.
3 Marla Plot Scheme 2026 Apply Online
| Feature | Details |
|---|---|
| Scheme Name | Apni Zameen Apna Ghar (AZAG) |
| Launch Year | 2026 |
| Plot Size | 3 Marla (675 sq ft) |
| Total Plots in Phase 1 | 1,892 across 19 districts |
| Cost to Beneficiaries | 100% free |
| Home Construction Loan | Up to Rs. 1.5 million, interest-free |
| Monthly Installments | Approx. Rs. 14,000 over 7 years |
| Priority Groups | Widows, orphans, persons with disabilities, daily-wage earners, low-income families |
| Allotment Method | Computerized balloting |
| Official Portal | azag.punjab.gov.pk |
Phase-1 Districts Covered in 2026
Phase 1 of the 3 Marla Plot Scheme 2026 includes 23 approved housing schemes across 19 districts:
Jhelum • Kasur (Pattoki) • Faisalabad (Mamukanjan) • Lodhran • Okara (Renala Khurd) • Layyah • Bhakkar • Sahiwal • Sargodha • Khushab • Bahawalnagar • Mandi Bahauddin • Rajanpur • Attock • Gujrat • Bahawalpur • Vehari • Jhang • Chiniot
Future phases will expand to additional districts depending on land availability and demand.
Eligibility Criteria 3 Marla Plot Scheme 2026
Applicants must meet the following criteria:
| Requirement | Details |
|---|---|
| Residency | Permanent resident of Punjab (CNIC & Domicile required) |
| Property Ownership | Neither applicant, spouse, nor children should own property in Pakistan |
| NSER Registration | Valid NSER record; PMT ≤ 60 |
| Family Income | Monthly income below Rs. 50,000 |
| Age | Minimum 18 years; priority to married applicants |
| Legal Status | No criminal record or loan default |
Required Documents
Applicants must have digital copies (JPG, PNG, or PDF ≤ 1 MB each) ready:
- Applicant & spouse CNIC
- Punjab Domicile Certificate
- Recent passport-size photograph
- Income proof or affidavit
- Family Registration Certificate (FRC – NADRA)
- NSER verification / PMT score
- Utility bill for address verification
- Disability or widow certificate (if applicable)
- Marriage certificate (if applicable)
- Bank statement (last 6 months)
How to Apply Online 3 Marla Plot Scheme 2026
- Visit the official portal: azag.punjab.gov.pk
- Click “Apply Now”
- Create an account using CNIC, name, mobile number, and email
- Verify your account via email link
- Complete eligibility form (residency, property status, income)
- Fill the main application form with personal and family details
- Upload all required documents
- Submit application and note the tracking number
- Wait for verification & computerized balloting
Interest-Free Home Construction Loan Apni Chhat Apna Ghar
Eligible plot recipients may apply for an interest-free construction loan:
- Maximum Loan: Rs. 1.5 million
- Installments: Approx. Rs. 14,000/month over 7 years
- Grace Period: 3 months
- Usage: Construction only; commercial use prohibited
- Conditions:
- Construction to start within 6 months
- Completion within 2 years
- No sale/lease/transfer for 5 years
- PHATA inspections may occur anytime
Transparency & Monitoring
- Computerized balloting ensures fair allocation
- NSER & PSER databases validate applicants
- Complaint & grievance system: 0800-09100
- Official Portals:
- Registration: azag.punjab.gov.pk
- Loan: acag.punjab.gov.pk
- NSER Help: pser.punjab.gov.pk
- Complaints: complaints.punjab.gov.pk
Social & Economic Impact
✅ Grants land ownership to vulnerable families
✅ Reduces urban overcrowding and improves living conditions
✅ Creates construction jobs and uplifts local economy
✅ Empowers women and marginalized groups
✅ Supports Punjab’s long-term housing & welfare goals
FAQs – 3 Marla Plot Scheme 2026
1. What is the 3 Marla Plot Scheme 2026?
A government initiative providing free 3 marla plots and interest-free home construction loans to eligible low-income families across Punjab.
2. Who can apply?
Permanent residents of Punjab, registered in NSER, monthly family income below Rs. 50,000, with no property ownership.
3. What documents are required?
CNIC, domicile certificate, income proof, FRC, NSER verification, recent photograph, utility bill, and certificates for widows/disabilities if applicable.
4. Can the allotted plot be sold?
No. Plots cannot be sold, transferred, or leased for at least 5 years.
5. How can I apply online?
Through the official portal: azag.punjab.gov.pk
6. Is there any fee to apply?
No. Registration is completely free.
7. Who gets priority?
Widows, orphans, persons with disabilities, daily-wage earners, and low-income families.
