The Apni Zameen Apna Ghar (AZAG) program has been significantly upgraded for 2026. Under the leadership of Chief Minister Maryam Nawaz Sharif, the program has transitioned from a pilot phase to a full-scale provincial housing initiative. It is now part of the broader “Apni Chhat Apna Ghar” framework, which includes both free plot distribution and interest-free construction loans.

Below is the professionally updated guide for 2026, reflecting current policies, new district allocations, and the latest application procedures.

Apni Zameen Apna Ghar Program 2026: Official Guide

The Apni Zameen Apna Ghar (AZAG) initiative is the Punjab Government’s flagship program to combat homelessness. In 2026, the program has expanded its scope to provide free 3-Marla residential plots and interest-free construction loans of up to Rs. 1.5 million. Managed by the Punjab Housing and Town Planning Agency (PHATA), the scheme uses a 100% digital, merit-based selection process to ensure transparency.

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Scheme Fast-Facts 2026

Feature	Details
Official Name	Apni Zameen Apna Ghar (AZAG) / Apni Chhat Apna Ghar
Plot Size	3-Marla (Residential)
Financial Aid	Interest-Free Construction Loans (Up to Rs. 1.5 Million)
Current Phase	January 2026 Distribution Phase
Selection Method	Computerized E-Balloting
Official Website	azag.punjab.gov.pk

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2026 Latest Updates & Phase-II Expansion

As of January 2026, several new updates have been implemented:

Increased Plot Quota: The government has added 2,500 new plots for the early 2026 draw, expanding beyond the initial Phase-1 targets.
Integrated Loan Support: Successful plot allottees are now automatically eligible to apply for an interest-free loan of Rs. 1.5 million for construction through the acag.punjab.gov.pk portal.
NSER Linkage: Eligibility is now cross-verified with the National Socio-Economic Registry (NSER). Families with a PMT score below 60 are given priority.
Digital Allotment Letters: Allotment letters are now issued digitally and can be verified via a QR code.

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Eligibility Criteria (Updated 2026)

To ensure that only the most deserving families are selected, the following criteria apply:

Residency: Must be a permanent resident of Punjab (verified via CNIC).
Landless Status: Neither the applicant nor their spouse/children should own any residential property or land in Pakistan.
Income Threshold: Monthly household income should ideally be below Rs. 50,000–60,000.
District Requirement: You must apply for a plot within your own district of permanent residence.
Financial Integrity: Must not be a bank defaulter or involved in any criminal/anti-state activities.

How to Check Your Application Status Online

If you have already applied, you can track your progress in real-time:

Visit the Portal: Go to the official AZAG Punjab Website.
Status Tool: Click on the “Check Application Status” tab.
Input Details: Enter your CNIC number (without dashes) or your Tracking ID.
Instant Result: The system will display one of the following:
- Approved: Your verification is complete, and you are in the balloting pool.
- Pending/Under Review: Documents are being verified by PHATA or NADRA.
- Rejected: You did not meet specific eligibility (the reason will be listed).

District-Wise Plot Allocation (2026 Phase)

Plots are being distributed across several districts. Recent major allocations include:

Jhelum: 730 plots
Kasur: 388 plots
Faisalabad: 257 plots
Lodhran: 218 plots
Other Active Districts: Okara, Layyah, Sahiwal, Sargodha, Rajanpur, Gujrat, Vehari, and Attock.

Mandatory Rules for Allottees

Ownership comes with strict responsibilities to prevent land speculation:

Construction Deadline: You must begin construction within 6 months of taking possession.
Completion: The house must be fully completed within 2 years.
No-Sale Period: The plot cannot be sold, rented, or transferred to another person for 5 years.
Residential Use Only: Commercial activity (shops/godowns) on these plots is strictly prohibited.

Frequently Asked Questions (FAQs)

Q1: Is there any fee for the application or balloting?

No. The application process is entirely free of charge. Be wary of anyone asking for “processing fees” outside of the official portal.

Q2: Can I apply for the loan if I already have a plot?

Yes. If you already own a 1–5 Marla plot in an urban area or 1–10 Marla in a rural area, you can apply for the Interest-Free Construction Loan via the Apni Chhat Apna Ghar portal.

Q3: How will I be notified if I win the draw?

Successful applicants receive an automated SMS from the Punjab Government and can view their names on the published district-wise lists on the website.