The Punjab government has officially activated the new phase of the CM Punjab Meri Gari Scheme 2026, bringing fresh hope for thousands of citizens who dream of owning a car without heavy bank loans.
Launched under the leadership of Maryam Nawaz, this initiative focuses on affordable vehicle financing through a transparent and fully digital system. The 2026 phase is now active, and eligible applicants can apply online through the government’s official vehicle finance portal.
If you’re planning to buy a car on easy installments, this could be the opportunity you’ve been waiting for.
What is CM Punjab Meri Gari Scheme 2026?
The CM Punjab Meri Gari Scheme 2026 is a government-backed vehicle financing program designed to help Punjab residents purchase new or certified used cars on low markup and flexible monthly installments.
The goal is simple.
Make car ownership easier.
Reduce dependence on high-interest commercial auto loans.
Support youth, women, salaried individuals, and small business owners.
Everything is processed digitally, ensuring transparency and minimizing middlemen involvement.
Who Can Apply? – Eligibility Criteria
To qualify for the CM Punjab Meri Gari Scheme 2026, applicants must meet these basic conditions:
Basic Requirements
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Valid CNIC
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Punjab domicile
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Active mobile number (registered on CNIC)
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Proof of income (salary slip or bank statement)
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Valid driving license (self or nominated driver)
The scheme prioritizes genuine residents of Punjab. Preference may be given to youth, women, and job seekers under special categories.
Required Documents for Online Application
Before starting your application, prepare these documents:
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CNIC copy (front & back)
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Punjab domicile certificate
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Latest utility bill (address verification)
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Income proof
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Driving license
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Passport-size photograph
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Bank account details
Clear and readable uploads reduce the risk of rejection.
Step-by-Step Online Apply Process
Applying for the CM Punjab Meri Gari Scheme 2026 is simple:
1. Visit the Official Portal
Access the Punjab Government Vehicle Finance Portal.
2. Create Your Account
Register using your CNIC and mobile number.
3. Fill in Personal & Income Details
Enter accurate information.
4. Select Vehicle
Choose from approved new or certified used cars.
5. Upload Documents
Submit scanned copies in PDF or JPG format.
6. Submit & Track
Receive a tracking ID for application status updates.
After verification, the financing partner will notify you. Once approved, you’ll pay the down payment and complete installment formalities.
Key Benefits of the Scheme
Here’s why the CM Punjab Meri Gari Scheme 2026 is gaining attention:
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Low markup rates
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Flexible repayment (3 to 7 years)
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Digital and transparent process
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No need for agents
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Opportunity to earn via ride-hailing or delivery services
This initiative promotes mobility and economic independence across Punjab.
Helpline & Official Support
If you face issues during the process:
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Punjab Government Helpline: 0800-02345
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Visit nearest e-Khidmat Center
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Track updates via SMS
Always apply through official channels. Avoid paying any agent or third party.
Final Thoughts
The CM Punjab Meri Gari Scheme 2026 is a practical step toward financial ease and vehicle ownership for Punjab residents. With low markup, easy installments, and a fully digital system, it offers a reliable alternative to traditional car financing.
If you meet the eligibility criteria, prepare your documents and apply early to avoid delays.
FAQs
1. What is CM Punjab Meri Gari Scheme 2026?
It is a Punjab government program offering cars on low markup and easy monthly installments through an online process.
2. Who is eligible for this scheme?
Punjab residents with valid CNIC, income proof, and driving license can apply.
3. Can I apply through an agent?
No. Only apply through the official government portal to avoid fraud.
4. What types of cars are included?
Both new and certified used vehicles are available under approved categories.
5. How long is the repayment period?
Installment plans range from 3 to 7 years depending on the financing option.
