Apply Now: CM Punjab Meri Gari Scheme 2026 – Online Registration, Eligibility & Installment Details

The CM Punjab Meri Gari Scheme 2026 is a public welfare vehicle financing program launched by the Government of Punjab under the leadership of Chief Minister Maryam Nawaz. The main aim of this scheme is to help low- and middle-income citizens buy a car through easy monthly installments and subsidized markup rates.

Due to rising fuel prices and limited public transport, owning a personal vehicle has become a need for many families. This scheme supports students, working women, salaried employees, and individuals who want to earn through ride-hailing services. The entire process is digital, transparent, and free from agents.

Feature	Details
Scheme Name	CM Punjab Meri Gari Scheme
Year	2026
Province	Punjab
Monthly Installment	Starting from Rs. 25,000
Down Payment	15% to 20%
Markup Rate	Subsidized (6%–8%)
Repayment Period	3 to 7 years
Application Mode	Fully Online

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What Is CM Punjab Meri Gari Scheme 2026?

The CM Punjab Meri Gari Scheme is a government-supported car financing program that allows eligible citizens to purchase new or certified used cars on easy installments. The Punjab Government partners with banks to offer low markup rates and flexible repayment options.

The key objectives of this scheme are:

Make car ownership affordable
Support employment and self-income opportunities
Encourage women mobility and independence
Promote transparent and digital governance

This scheme removes middlemen and uses a digital balloting system to ensure fairness.

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Who Can Apply for CM Punjab Meri Gari Scheme?

The Punjab Government has defined clear eligibility criteria to ensure financial sustainability and fair distribution.

Eligible applicants must meet the following conditions:

Age between 20 and 50 years
Minimum monthly income of Rs. 30,000
Valid CNIC with Punjab domicile
No history of bank loan default
Stable income source or employment proof

Priority is given to:

Working women
Female students
Differently-abled citizens

Applicants who meet these requirements have higher chances in the digital draw.

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Vehicle Options and Financial Benefits

The scheme offers flexible vehicle choices and affordable financing compared to private banks. Applicants can choose according to their budget and needs.

Main benefits include:

New or certified used cars (up to 3 years old)
Monthly installments starting from Rs. 25,000
Government-subsidized markup
Long repayment tenure of up to 7 years
Suitable for personal and commercial use

This scheme is ideal for ride-hailing services like Careem, Bykea, and local transport work.

How to Apply Online for CM Punjab Meri Gari Scheme 2026

The application process is simple, paperless, and fully online. Applicants can apply from home without visiting offices.

Follow these steps to apply:

Visit the official Punjab Government portal
https://punjab.gov.pk
Create an account using CNIC and mobile number
Select vehicle category and financing plan
Enter income and employment details
Upload required documents clearly
Submit the application and save your tracking ID

Incorrect or incomplete information may lead to rejection.

Required Documents for Registration

Applicants should prepare documents in advance to speed up approval.

Required documents include:

CNIC (front and back)
Proof of income (salary slips or bank statement)
Utility bill (last 3 months)
Recent passport-size photographs
Driving license (preferred but not mandatory)

Clear and readable documents improve verification speed.

Installment Plan and Payment Example

The installment plan is designed to reduce financial pressure on applicants. Compared to private banks, markup rates are much lower.

Example:

Car Price: Rs. 1,600,000
Down Payment: 15%
Monthly Installment: Approx. Rs. 25,000
Repayment Period: Up to 7 years

This makes car ownership affordable for salaried and self-employed individuals.

How to Check Application Status

Applicants can track their application using official channels.

You can check status through:

Online portal login
SMS alerts on registered mobile number
e-Khidmat Centers for assistance

Application status may show “Under Review,” “Verified,” or “Approved.”

Why CM Punjab Meri Gari Scheme 2026 Is Important

This scheme is more than just vehicle financing. It supports economic growth and social inclusion.

The program helps:

Create employment opportunities
Improve women’s mobility
Support youth income generation
Promote corruption-free systems

It is one of the most accessible vehicle schemes introduced in Punjab.

Conclusion

The CM Punjab Meri Gari Scheme 2026 is a strong step toward affordable transportation for Punjab residents. With low markup rates, flexible installments, and a fully online application process, the scheme provides a reliable solution for low- and middle-income families. By removing agents and ensuring transparency, this initiative sets a new standard for public welfare programs in Pakistan.