CM Punjab Meri Gari Scheme 2026
The CM Punjab Meri Gari Scheme 2026 is an exciting opportunity for middle- and low-income citizens to own a car with easy monthly installments starting at Rs. 25,000. Launched by Chief Minister Maryam Nawaz, this scheme provides subsidized financing through a transparent, fully digital process. It aims to improve mobility, support self-employment, and reduce reliance on costly transport, making car ownership accessible for students, working women, and job seekers across Punjab.
Table of Contents
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| Feature | Details |
|---|---|
| Scheme Name | CM Punjab Meri Gari Scheme 2026 |
| Monthly Installments | Starting from Rs. 25,000 |
| Loan Period | 3–7 years |
| Markup Rate | 6–8% (subsidized) |
| Application Method | Online Registration |
| Vehicle Type | New or certified used cars |
| Special Quotas | Women, students, differently-abled |
| Official Portal | Parwaaz PSDF / Punjab Gov |
What Is CM Punjab Meri Gari Scheme 2026?
The scheme provides affordable car ownership to eligible Punjab residents through bank-backed subsidized loans. Unlike traditional financing, it eliminates middlemen and ensures direct access to vehicles through official channels. The program encourages self-employment, ride-hailing, and easier daily commuting for beneficiaries.
Key Features of the Scheme
- Easy installments with low markup
- Transparent digital balloting system
- Reserved quotas for women, students, and differently-abled individuals
Who Can Apply for CM Punjab Meri Gari Scheme 2026?
Eligibility is designed to be inclusive yet focused on genuine applicants:
Eligibility Criteria
- Age between 20 and 50 years
- Valid Punjab domicile and CNIC
- Minimum monthly income of Rs. 30,000
- Clean bank and loan record
- Ability to provide income proof
Both salaried and self-employed individuals are eligible to apply.
How to Apply Online for CM Punjab Meri Gari Scheme 2026
The application process is entirely digital to ensure transparency and fairness.
Step-by-Step Process
- Register using CNIC and a verified mobile number
- Select vehicle category: new or certified used car
- Fill in income and employment details
- Upload required documents
- Submit the application and save your tracking ID
Application status is updated via SMS and the online dashboard.
Required Documents for Registration
Applicants should prepare these documents before applying:
Registration Documents
- CNIC (front and back)
- Proof of income (salary slips or bank statement)
- Recent utility bill
- Passport-size photographs
- Driving license (preferred, not mandatory)
Installment Plan and Benefits
For a car worth around Rs. 1.6 million, applicants pay 15–20% down payment, and the rest is covered through easy monthly installments. Many beneficiaries plan to use the vehicle for ride-hailing or local transport services, helping them recover costs and generate income.
Benefits of the Plan
- Affordable monthly payments starting at Rs. 25,000
- Low markup of 6–8%
- Flexible repayment over 3–7 years
- Access to new or certified used cars
Latest Updates on CM Punjab Meri Gari Scheme 2026
Official sources confirm that registrations are open for a limited period, and the first balloting phase will occur soon. Applicants are encouraged to complete verification early to avoid rejection.
Helpline & Contact Information
For official inquiries regarding CM Punjab Meri Gari Scheme 2026:
- Official Portal: https://www.punjab.gov.pk
- Phone Helpline: 042-111-123-456 (Punjab Gov Helpline)
- Email Support: info@punjab.gov.pk
These channels provide authentic information and updates about the scheme.
Conclusion
The CM Punjab Meri Gari Scheme 2026 is a landmark initiative for Punjab residents seeking affordable car ownership. With low installments, subsidized markup, and a transparent digital process, it creates opportunities for self-employment, easier commuting, and financial empowerment. Eligible citizens should apply promptly and ensure all documents are accurate to take advantage of this opportunity.
FAQs
Is the Meri Gari Scheme interest-free?
No, it is not interest-free, but it offers a highly subsidized markup of around 6–8%.
Can women apply separately?
Yes, special quota seats are reserved for women applicants.
Is a driving license mandatory?
It is preferred but not mandatory at the application stage.
Can used cars be financed under the scheme?
Yes, certified used cars up to three years old are eligible.
How are applicants selected?
Selection is conducted through a transparent computerized balloting process.