CM Punjab Meri Gari Scheme 2026 – Online Apply, Installments & Eligibility Guide

The CM Punjab Meri Gari Scheme 2026 is a major public welfare initiative launched by the Punjab government to make car ownership affordable for students, women, job seekers, and low- to middle-income families. The scheme offers reduced markup, flexible installment plans, and a fully digital application process to ensure transparency and easy access.

Eligible applicants can purchase new or certified used vehicles through bank-supported financing without the involvement of agents, sifarish, or hidden charges.

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Purpose of the Meri Gari Scheme

The scheme aims to promote:

Financial inclusion for low- and middle-income citizens
Employment and self-earning opportunities
Safe and reliable personal transportation
Transparent, corruption-free digital processing

The 2026 phase expands eligibility and simplifies documentation, especially for women and self-employed individuals.

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Eligibility Criteria for CM Punjab Meri Gari Scheme

Applicants must meet the following conditions to apply:

Punjab domicile with valid CNIC
Age between 20 and 50 years
Minimum monthly income of Rs. 30,000 (salaried or self-employed)
No previous loan default history
Driving license preferred
Women and differently-abled persons may apply with a nominated driver
Job seekers can apply with a basic income or earning plan

Submitting a simple earning plan such as ride-hailing or delivery services can improve approval chances.

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Required Documents for Online Registration

Applicants must upload clear and readable documents during the online application process.

Document	Purpose
CNIC (Front & Back)	Identity verification
Passport-size photo	Applicant profile
Salary slip / Bank statement	Income verification
Utility bill	Address confirmation
Driving license	Applicant or nominated driver
Bank account details	Installment setup
Proof for women/differently-abled quota	Priority eligibility

How to Apply Online for CM Punjab Meri Gari Scheme 2026

The application process is completely online and user-friendly.

Steps to apply:

Visit the official Punjab government vehicle financing portal
Create an account using CNIC and registered mobile number
Enter personal, income, and employment details
Select a new or certified used vehicle (up to 3 years old)
Upload required documents
Submit the form and save the tracking ID
Wait for bank verification and approval
Pay the down payment and complete documentation
Receive the vehicle from an authorized dealership

No agents or middlemen are involved at any stage.

Apply Now

Estimated Installment Cost Examples

Installment amounts may vary depending on vehicle price, bank policy, and available subsidies.

Vehicle Price	Down Payment	Tenure	Estimated Markup	Monthly EMI
Rs. 1,600,000	15%	5 years	~6%	Rs. 25,000–28,000
Rs. 2,000,000	20%	6 years	~6%	Rs. 26,000–30,000
Rs. 2,400,000	20%	7 years	~7–8%	Rs. 30,000–35,000

Financial experts recommend keeping monthly installments below 35% of total income.

Key Benefits of the Meri Gari Scheme

Reduced markup compared to regular car financing
Flexible repayment tenure from 3 to 7 years
Option to choose new or certified used vehicles
Reserved quotas for women and differently-abled persons
Fast digital verification and processing
Strong potential for income generation

Income Opportunities Through the Scheme

Many beneficiaries use the vehicle for earning purposes, including:

Ride-hailing services (Careem, InDrive, etc.)
Courier and grocery delivery
School and office pick-and-drop
Airport and local transport services

A clear income plan can significantly speed up approval.

Application Tracking & Safety Tips

Applicants can track their application through:

Official online portal using CNIC and tracking ID
SMS alerts on registered mobile number
Authorized dealerships or Punjab e-Khidmat centers

Important safety guidelines:

Apply only through official government portals
Never pay agents for guaranteed approval
Keep vehicle insurance or takaful active
Follow commercial transport rules if using the car for income

Final Verdict

The CM Punjab Meri Gari Scheme 2026 is a transparent and practical solution for citizens who need reliable transportation but cannot afford full upfront payment. With flexible installments, fair eligibility rules, and strong income potential, the scheme supports both mobility and long-term financial stability.