The CM Punjab 3 Marla Plot Scheme 2026, officially known as Apni Zameen Apna Ghar (AZAG), is a flagship welfare initiative launched under the leadership of Chief Minister Maryam Nawaz Sharif. The program aims to provide free 3 Marla residential plots to homeless and low-income families across Punjab, along with an interest-free construction loan to help them build their own homes.
What Is Apni Zameen Apna Ghar (AZAG)?
AZAG is a government-backed housing scheme designed to promote home ownership for deserving families. In 2026, the scheme has been strengthened by linking it with the Apni Chhat Apna Ghar construction loan facility, ensuring beneficiaries can both own land and construct a house.
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Quick Overview of CM Punjab 3 Marla Plot Scheme 2026
| Feature | Details |
|---|---|
| Program Name | Apni Zameen Apna Ghar (AZAG) |
| Plot Size | 3 Marla (Free) |
| Construction Loan | Up to Rs. 1.5 Million (Interest-Free) |
| Monthly Installment | Approx. Rs. 14,000 (7 Years) |
| Application Fee | Rs. 0 |
| Official Website | azag.punjab.gov.pk |
Eligibility Criteria for CM Punjab 3 Marla Plot Scheme 2026
To ensure transparency and fairness, PHATA has defined clear eligibility rules:
Basic Requirements
- Must be a permanent resident of Punjab
- CNIC must show the same district you are applying for
- Applicant, spouse, and children must not own any property
- PMT score 60 or below (NSER/PSER registered)
- Monthly household income below Rs. 50,000
- No criminal record or bank default history
How to Apply Online for 3 Marla Plot Scheme 2026
The Punjab Government has introduced a fully online and free application process:
Step-by-Step Online Application
- Visit azag.punjab.gov.pk
- Register using your CNIC, mobile number, and email
- Verify your account via SMS or email
- Fill in personal, housing, and income details
- Upload required documents:
- CNIC (Applicant & Spouse)
- Family Registration Certificate (FRC)
- Proof of residence
- Income affidavit or payslips
- Review and submit the form
- Save your tracking number for future updates
Districts Included in Initial Phases
The first phases cover areas with high housing demand and available land:
Major Regions
- Faisalabad Division – 288 plots
- Rawalpindi Division – 658 plots
- Lahore Region – 518 plots
- Other Areas – Lodhran, Okara, Kasur, Bhakkar, Layyah, Renala Khurd
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Construction Loan Under Apni Chhat Apna Ghar
Plot recipients can apply for an interest-free loan up to Rs. 1.5 million:
- 3-month grace period before installments
- Construction must start within 6 months
- House must be completed within 2 years
- Plot cannot be sold for 5 years
Helpline & Complaints
- Toll-Free Numbers: 0800-09100 / 0800-02345
- Complaint Portal: complaints.punjab.gov.pk
- Offline Help: Deputy Commissioner (DC) Office
Conclusion
The CM Punjab 3 Marla Plot Scheme 2026 is a life-changing opportunity for families without shelter. With free plots, zero application fees, and interest-free loans, the program truly supports the vision of Housing for All. Ensure your NSER/PSER data is updated and apply only through the official portal to secure a dignified future for your family.
