CM Punjab Meri Gari Scheme 2026 – Online Application, Eligibility & Easy Installment Plan
The CM Punjab Meri Gari Scheme 2026 is a flagship transport finance initiative introduced by the Punjab Government to make car ownership affordable for ordinary citizens. Designed especially for students, working women, job seekers, and low- to middle-income families, the scheme allows eligible applicants to purchase a vehicle through low markup financing and flexible monthly installments.
With rising fuel costs and limited public transport options, the scheme aims to improve mobility, support employment, and enable income-generating opportunities across Punjab through a transparent and mostly digital process.
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Key Highlights of Meri Gari Scheme 2026
The 2026 version focuses on affordability and inclusion while simplifying the application journey.
- Minimal down payment compared to commercial auto loans
- Installment tenure ranging from 3 to 7 years
- Lower markup rates backed by the Punjab Government
- Special preference for women and differently-abled persons
- Option to choose new or certified used vehicles
- Online application, verification, and tracking system
These features make the scheme accessible even for first-time car buyers.
Who Is Eligible to Apply in 202
Applicants must meet the following conditions to qualify:
- Permanent resident of Punjab
- Valid CNIC issued by NADRA
- Age between 20 and 50 years
- Monthly income starting from Rs. 30,000
- Salaried, self-employed, or actively seeking work
- Clean banking record (no default history)
- Driving license preferred (family driver allowed)
Unemployed applicants may improve approval chances by submitting a basic income or ride-hailing plan.
Documents Required for Application
Keep these documents ready before applying online:
- CNIC (clear front and back scan)
- Recent passport-size photograph
- Proof of income (salary slip, bank statement, or business record)
- Latest utility bill for address verification
- Driving license or nominated driver’s license
- Active bank account details
- Quota proof (if applying under special categories)
Uploading clear and accurate documents is essential to avoid delays or rejection.
How to Apply for CM Punjab Meri Gari Scheme 2026
The application process is designed to be user-friendly and digital.
- Visit the official Punjab vehicle finance portal
- Register using CNIC and mobile number (OTP verification)
- Enter personal, employment, and income details
- Select vehicle type (new or certified used)
- Upload required documents
- Apply and save your tracking number
- Wait for digital verification and offer confirmation
- Pay the down payment and sign the agreement
- Collect the vehicle from an authorized dealer
Applicants are notified through SMS and portal updates.
Estimated Installment Examples
| Vehicle Price | Down Payment | Tenure | Approx. EMI |
|---|---|---|---|
| Rs. 1.6 million | 15% | 5 years | Rs. 25,000–28,000 |
| Rs. 2.0 million | 20% | 6 years | Rs. 26,000–30,000 |
| Rs. 2.4 million | 20% | 7 years | Rs. 30,000–35,000 |
Financial experts recommend keeping EMIs below 35% of monthly income.
What’s New in the 2026 Edition
The updated scheme introduces several improvements:
- Faster digital verification and approval timelines
- Expanded vehicle options for different budgets
- Improved quota management for women applicants
- Better coordination with banks and dealerships
- Clearer installment breakdown with fewer hidden charges
These changes aim to enhance transparency and trust.
Using Your Car for Income Generation
Many beneficiaries use their vehicles to earn monthly income, such as:
- Ride-hailing services
- Delivery and courier work
- School or office pick-and-drop
- Weekend rentals or airport transfers
Including an income usage plan in your application can strengthen approval prospects.
Final Thoughts
The CM Punjab Meri Gari Scheme 2026 offers a practical solution for citizens who want reliable transport without heavy upfront costs. By combining government support, flexible financing, and a digital application system, the scheme opens doors to mobility, employment, and improved quality of life.
