The Government of Punjab has officially sparked a revolution in public transport by launching the CM Punjab Meri Gari Scheme 2026, allowing thousands of citizens to own a car for a monthly installment of just Rs. 25,000! If you are a student, a working woman, or a job seeker looking for a reliable way to commute or start a ride-hailing business, this zero-hassle digital scheme is your ultimate gateway to mobility. Chief Minister Maryam Nawaz has specifically designed this phase to bypass corrupt middlemen, ensuring that bank-supported loans are delivered directly to deserving individuals through a transparent balloting process. With inflation rising, this is likely the last chance this year to secure a vehicle at a subsidized markup rate of only 6%, making it the most affordable car financing project in Pakistan’s history. Don’t let your dream of owning a car drive away—follow our explosive guide below to verify your CNIC and complete your online registration before the limited slots are filled!
CM Punjab Meri Gari Scheme 2026: Key Details
| Category Details | Information for 2026 |
| Monthly Installment | Starts from Rs. 25,000 |
| Down Payment | 15% to 20% of Vehicle Value |
| Markup Rate | Subsidized (approx. 6-8%) |
| Eligibility | Punjab Domicile Holders |
| Application Mode | https://punjab.gov.pk/node/6447 |
Who is Eligible for the Meri Gari Scheme?
To ensure the benefits reach the middle and low-income sectors, the following Eligibility Criteria have been strictly implemented:
- Age Limit: Applicants must be between 20 and 50 years of age at the time of application.
- Income Bracket: Minimum monthly income must be Rs. 30,000 (verifiable via bank statement or salary slip).
- Residency: Only permanent residents of Punjab with a valid CNIC can apply.
- Credit History: Applicants must have a clean financial record with no prior defaults on any bank loans.
- Special Quota: Dedicated seats are reserved for female students, working women, and differently-abled individuals.
How to Apply Online for CM Punjab Car Scheme?
The Punjab government has launched a dedicated portal to ensure a smooth, paperless application experience. Follow these steps carefully:
- Visit the official Punjab vehicle financing portal (link available on the Government of Punjab’s main site).
- Register your account using your CNIC and a mobile number registered in your name.
- Select your preferred vehicle category (New Car or Certified Used Car up to 3 years old).
- Fill out the digital form with your employment details and monthly income information.
- Upload clear scanned copies of your CNIC, latest utility bill, and income proof.
- Submit the form and save your Application Tracking ID for the final balloting results.
Required Documents for 2026 Registration
Before you start your online application, keep these digital documents ready to avoid a “Rejected” status:
- Valid CNIC: Scanned front and back copies.
- Proof of Income: Salary slips for employees or a 6-month bank statement for self-employed individuals.
- Utility Bill: A copy of your electricity or gas bill from the last 3 months to verify your address.
- Photographs: Recent passport-sized photos with a blue background.
- Driving License: While not mandatory for all, having a valid license or a nominated driver is preferred for quick approval.
Understanding the Installment Plans
The 2026 scheme offers the most flexible repayment periods ranging from 3 to 7 years. For a car worth Rs. 1,600,000, you only need to pay a 15% down payment, and your monthly EMI will be approximately Rs. 25,000. This is significantly lower than private bank rates because the Punjab government is subsidizing the markup cost. This makes the vehicle not just a luxury, but a tool for self-employment, as you can use the car for services like Careem, Bykea, or local school transport to cover the installment costs.
How to Track Your Application Status?
Once you have submitted your application, you can stay updated through these official channels:
- Online Portal: Log in using your CNIC to see if your status is “Under Review” or “Verified.”
- SMS Alerts: The government sends automated updates from their official shortcode to your registered number.
- e-Khidmat Centers: You can visit any Punjab e-Khidmat center for manual verification or help with the digital form.
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