Government of Punjab has introduced an exciting opportunity for residents who dream of owning their own vehicle. The CM Punjab Meri Gari Scheme 2026 is a public welfare program that makes car ownership possible for ordinary families, young people, and working individuals through affordable financing options.
This initiative, launched under the leadership of Chief Minister Maryam Nawaz Sharif, aims to help middle-class households, students, job seekers, and women who struggle with high transport costs and expensive bank loans.
What Meri Gari Scheme 2026?
The Meri Gari Scheme is a special car financing program created by the Punjab Government to help citizens purchase vehicles through participating banks at subsidized interest rates. Unlike regular commercial auto loans that come with high markup rates (sometimes 18-25%), this scheme offers much lower rates to make monthly installments affordable.
This program is not just about providing transport. It also supports economic empowerment by enabling people to use their vehicles for earning purposes.
Meri Gari Scheme 2026 Key Highlights
| Feature | Details |
|---|---|
| Scheme Name | CM Punjab Meri Gari Scheme 2026 |
| Launched By | Government of Punjab |
| Eligible Applicants | Families, youth, women, students, job seekers |
| Vehicle Options | New & certified used cars |
| Financing Tenure | 3 to 7 years |
| Minimum Income | Rs. 30,000 per month |
| Application Method | 100% online |
| Coverage | Punjab only |
Also Read: CM Punjab Parwaz Card Registration Portal 2026
Who Can Apply for the CM Punjab Meri Gari Scheme? (Complete Eligibility Requirements)
To ensure fair distribution and prevent misuse, the Punjab Government has established clear eligibility criteria. Applicants must meet the following requirements:
Cm Punjab Meri Gari Scheme 2026 Apply Online Eligibility Criteria:
- Residency: Must be a permanent resident of Punjab province
- Age Limit: Between 20 years and 50 years
- CNIC: Valid Pakistani national identity card
- Income Requirement: Minimum monthly income of Rs. 30,000
- Employment Status: Salaried employees, government servants, or self-employed individuals
- Credit History: Clean banking record with no previous loan defaults
- Driving License: Valid driving license (preferred but not mandatory for all cases)
What Documents Do You Need for Meri Gari Scheme 2026 online Apply?
The Meri Gari Scheme online application requires applicants to upload clear, readable copies of specific documents. Having these ready before starting your application saves time and reduces chances of rejection.
Required Documents List:
Identity and Residence Proof:
- CNIC front and back copy (must be valid, not expired)
- Recent passport-size photograph with white or blue background
- Utility bill (electricity, gas, or water) not older than 3 months
- Rent agreement or property documents as address proof
Income Documentation:
- Last 3 months’ salary slips (for salaried persons)
- Bank account statements for last 6 months
- Income tax returns (if applicable)
- Business registration documents (for self-employed)
- Affidavit of monthly income (on stamp paper if self-employed)
Additional Requirements:
- Valid driving license (or nominated driver’s license)
- Bank account details and cheque book copy
- Two passport-size photos
- Reference contact details (2 persons)
How to Apply Online for CM Punjab Meri Gari Scheme 2026?
The Punjab car scheme registration process is completely online and agent-free. Follow these detailed steps carefully:
Step 1: Visit the Official Portal
- Go to the official Punjab Government car scheme website
- Look for “Meri Gari Scheme 2026” or “CM Car Scheme” section
- Alternatively, visit Punjab E-Khidmat portal and search for the scheme
- Make sure you’re on the official government website (check URL carefully)
Step 2: Registration and Account Creation
- Click on “New Application” or “Register Now”
- Enter your CNIC number (without dashes)
- Provide a valid mobile number (this will receive all updates)
- Enter a valid email address
- Create a strong password for your account
- Verify mobile number through OTP (one-time password)
- Verify email through confirmation link
Step 3: Fill Personal Information Form
- Enter full name exactly as on CNIC
- Date of birth (will auto-populate from CNIC)
- Father’s or husband’s name
- Current residential address
- Permanent address (if different)
- District and tehsil details
- Contact information
Step 4: Employment and Income Details
- Select employment type (salaried/self-employed/business)
- Employer name and address (if salaried)
- Job designation and experience
- Monthly gross income
- Any additional income sources
- Total household income (optional but helpful)
Step 5: Choose Your Vehicle
- Select vehicle category (800cc, 1000cc, 1300cc, etc.)
- Choose between new or certified used car
- Select preferred brand and model
- Indicate approximate price range
- Specify intended use (personal/commercial/both)
Step 6: Upload Documents
- Upload all required documents as listed earlier
- Ensure files are clear and within size limits
- Double-check that all information is readable
- Upload nominated driver documents (if applicable)
Step 7: Review and Submit
- Carefully review all entered information
- Make corrections if needed
- Accept terms and conditions
- Submit your application
- Save your application tracking ID (very important)
- Take a screenshot of the confirmation page
How Much Will You Pay Monthly? (Installment Examples)
Understanding your monthly payment obligation is crucial before applying. The Meri Gari Scheme installment plan depends on several factors:
Factors Affecting Monthly EMI
- Vehicle purchase price
- Down payment percentage (usually 15-20%)
- Loan tenure (3 to 7 years)
- Markup rate offered by the bank
- Processing and insurance costs
Sample Installment Calculations
Example 1: Entry-Level Vehicle (800cc)
- Vehicle Price: Rs. 1,600,000
- Down Payment (15%): Rs. 240,000
- Financed Amount: Rs. 1,360,000
- Loan Period: 5 years
- Estimated Markup Rate: 8-10%
- Monthly Installment: Rs. 25,000 – Rs. 28,000
Get Help and Support about Government car scheme 2026
For authentic information and assistance regarding the Punjab Government car scheme 2026, use only official channels:
Punjab Government Helpline:
- Toll-free number: 0800-02345
- Available 8 AM to 8 PM, Monday to Saturday
- Urdu and Punjabi language support
- Free from all networks across Pakistan