Difference Between ACAG and AZAG Punjab Schemes Complete Guide for 2025

ACAG and AZAG Punjab Schemes

ACAG and AZAG Punjab Schemes Punjab Chief Minister Maryam Nawaz Sharif has launched two major housing initiatives in 2025 for underprivileged and low-income citizens of the province. These schemes—Apni Zameen Apna Ghar (AZAG) and Apni Chhat Apna Ghar (ACAG)—are designed to improve the living conditions of deserving families by either providing free residential plots or offering financial help to build homes. Although both schemes fall under the broader mission of affordable housing, their objectives, eligibility criteria, and benefits are entirely different.

This guide will help you understand the complete difference between these two government schemes so you can decide which one suits your situation.

Also Like Apni Zameen Apna Ghar Program Punjab

Understanding AZAG Apni Zameen Apna Ghar Scheme

The Apni Zameen Apna Ghar (AZAG) scheme is specially designed for people who do not own any land or house. The main goal is to provide free residential plots to deserving families across Punjab so that they can have a piece of land to call their own. These plots will serve as the foundation upon which they can build permanent shelter in the future.

In its first phase, AZAG is offering 3-marla plots to families who are landless and belong to vulnerable segments of society. The scheme has been launched across 19 districts of Punjab with dedicated housing projects in each district. Special attention has been given to widows, orphans, disabled persons, daily-wage workers, and other economically marginalized groups.

Once selected through a transparent balloting system, beneficiaries receive ownership rights to their allocated plots free of cost. There are no application fees, and the scheme ensures a fair and transparent process by verifying eligibility through NADRA and NSER data.

Also Like Apply Now for 3 Marla Plot in Apni Zameen Apna Ghar Scheme

Understanding ACAG Apni Chhat Apna Ghar Scheme

On the other hand, the Apni Chhat Apna Ghar (ACAG) scheme focuses on those families who already own land but lack the financial resources to construct a house. The Punjab government, under this scheme, offers interest-free home construction loans up to Rs. 1.5 million. This initiative is intended to support landowners who are unable to build due to poverty, despite owning a plot.

The loan repayment plan has been designed to be flexible and manageable for low-income families. Beneficiaries can repay the loan in monthly installments of Rs. 14,000 over seven years. The scheme covers both urban and rural areas, with eligibility depending on land size: 5 marla for urban areas and 10 marla for rural areas.

To qualify for ACAG, the land must be registered in the applicant’s name, and the applicant must also fulfill the financial need criteria based on NSER score and monthly income.

Also Like PSER Role in AZAG Scheme: Is It Required for Registration

Key Differences Between AZAG and ACAG Schemes

To make it easier to compare, here is a summary of the main differences between these two housing schemes:

• AZAG is for people who do not own any land or property, while ACAG is for landowners who need financial support to build a home.
• AZAG provides a free 3-marla residential plot, while ACAG offers a loan of Rs. 1.5 million for house construction.
• AZAG has no repayment obligations, whereas ACAG requires monthly repayments of Rs. 14,000 for 7 years.
• AZAG is focused on providing ownership of land, while ACAG is focused on providing construction financing.

AZAG Scheme Highlights

• Completely free 3-marla residential plot
• Only for those who own no land or property
• No application fee or down payment
• Transparent selection via balloting
• Preference for vulnerable groups: widows, orphans, disabled, laborers
• Plots available in 23 housing schemes across 19 districts

Also Like AZAG Punjab Phase 1 Registration Begins: 2000 Plots

ACAG Scheme Highlights

• Rs. 1.5 million interest-free loan for home construction
• Repayment: Rs. 14,000 per month over 7 years
• Designed for landowners in need of construction assistance
• Applicable for 5 marla urban and 10 marla rural land
• No interest or hidden charges
• Verified through NSER and NADRA

Eligibility Criteria for Each Scheme

AZAG Scheme Eligibility

Applicants must meet the following conditions:

• Must not own any land or house
• Must be a resident of Punjab (verified by CNIC)
• Monthly household income should be below Rs. 50,000
• Must be registered in the NSER database
• PMT score must be 60 or lower
• Applicant must be the head of the family
• Age must be at least 18 years
• Preference for married individuals
• No criminal record or loan default

Also Like Apni Zameen Apna Ghar Program Offline Registration

ACAG Scheme Eligibility

To apply for the ACAG scheme:

• Applicant must already own land (5 marla in urban or 10 marla in rural areas)
• Must be a permanent resident of Punjab
• Must be NSER verified with PMT score within eligibility range
• Income must fall under the defined low-income bracket
• Land must be in the applicant’s name

Application Process – Step-by-Step Guide

You can apply for both schemes through their official online portals or by visiting your district’s Deputy Commissioner Office. Here’s how:

Online Application

Required Documents:

• Applicant’s CNIC and spouse’s CNIC
• Domicile certificate or residence proof
• NADRA Family Registration Certificate (FRC)
• Proof of income or affidavit
• NSER registration or verification slip
• Land ownership documents (for ACAG)

Also Like AZAG Punjab Balloting Result Announcement Check

Offline Application

If you don’t have internet access, you can visit your local DC office where free help desks are available to assist with form filling, document submission, and eligibility checking. The government has ensured that all processes are completely free and hassle-free.

Which Scheme Should You Choose?

Your eligibility depends on your current housing and financial situation. If you do not own any property, then the AZAG scheme is the right choice as it offers you free land to start your housing journey. However, if you already own land but can’t afford to build a home, then the ACAG scheme can help you construct a decent shelter with an easy loan repayment plan.

Both schemes are part of Punjab’s mission to provide safe and dignified housing for all. They are not overlapping but complementary, targeting two different groups in need of housing assistance.

Also Like Apni Zameen Apna Ghar Initiative 2025 Free 3 Marla