The CM Punjab Meri Gari Scheme 2025 makes owning a small car possible for students, women, job seekers, and low–to–middle-income families through easy installments, reduced markup, and a fully digital application. The program is aimed at improving mobility, employment, and family income across Punjab.
At a glance: Low down payment • 3–7 year tenure • Priority for women & differently-abled • New or certified used cars • Simple online apply
Key Highlights
| Point | Details |
|---|---|
| Who can apply | Punjab residents (CNIC), age 20–50, salaried/self-employed/job-seekers |
| Vehicle options | New or certified used (≤3 years) from approved dealers |
| Markup | Low (approx. 5–8%); some variants/quotas may be subsidized |
| Tenure | 3–7 years with fixed monthly installments |
| Special quotas | Women & differently-abled applicants get priority/relief |
| Use cases | Personal commute, ride-hailing, delivery, family transport |
| Process | Online registration → e-verification → dealer delivery |
Eligibility Criteria
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Domicile & CNIC: Permanent resident of Punjab with valid CNIC
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Age: 20–50 years at the time of applying
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Income: Suggested minimum Rs 30,000/month (salaried/self-employed)
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Job seekers: Can apply with a simple business/earning plan (e.g., ride-hailing/delivery)
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Clean record: Not a bank/loan defaulter
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Driving license: Preferred; applicants may nominate a licensed family driver (for women/differently-abled)
Tip: If you’re unemployed, attach a short one-page plan (expected trips/day, fare, fuel, EMI) to strengthen approval.
Documents Required (Checklist)
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CNIC (both sides, clear scan)
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Recent photo (passport-size)
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Proof of income (salary slip/bank statement) or business proof
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Utility bill (address verification)
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Driving license (or nominated driver’s license)
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Bank account details (for auto-debit)
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Quota proofs (if applying under women/differently-abled categories)
Upload clear, readable PDFs/JPGs; mismatched names/blurred scans are the top reason for delays.
How to Apply Online (Step-by-Step)
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Visit the official portal of Punjab’s vehicle finance program.
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Create an account with CNIC + mobile (OTP verification).
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Complete the form: personal info, income/employment, nominee (if any).
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Choose vehicle type: New or Certified Used (≤3 years) from listed partners.
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Upload documents (see checklist).
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Submit & note tracking ID.
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e-Verification: bank/department reviews your data.
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Offer & down payment: pay subsidized down payment (if applicable) and sign financing.
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Delivery: pick up from authorized dealer after final approvals.
Installment Plans & Costs (Illustrative)
Examples are indicative to help users plan; actual figures depend on vehicle price, bank policy, and any subsidy.
| Vehicle Price | Down Payment* | Tenure | Indicative Markup | Approx. Monthly EMI |
|---|---|---|---|---|
| Rs 1,600,000 | 15% (240,000) | 5 years | ~6% | ~Rs 25,000–28,000 |
| Rs 2,000,000 | 20% (400,000) | 6 years | ~6% | ~Rs 26,000–30,000 |
| Rs 2,400,000 | 20% (480,000) | 7 years | ~7–8% | ~Rs 30,000–35,000 |
*Down payment may be partly subsidized for priority categories.
Budget tip: Keep your EMI ≤ 35% of monthly income to avoid stress and late-payment penalties.
What’s New in 2025 (User Benefits)
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Lower effective markup vs. conventional auto loans
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Flexible tenure (3–7 years) for lighter EMIs
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New + certified used choices for affordability
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Priority access for women & differently-abled applicants
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Digital journey: less paperwork, faster tracking, transparent queues
Smart Use Cases (Earn with Your Car)
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Ride-hailing (Careem/InDrive) during peak hours
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Parcel & grocery delivery partnerships
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Company staff pick-drop contracts
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School runs (with proper permits)
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Airport transfers (weekend side-hustle)
Add a simple earning plan in your application to improve approval odds.
Track Your Application
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Portal: Enter CNIC + Tracking ID to see real-time status
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SMS: Use the official code shown on the portal to receive updates
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Dealer: After shortlisting, your authorized dealer can confirm delivery timelines
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Support centers: e-Khidmat/helplines for escalation
Common Issues & Quick Fixes
| Problem | Likely Cause | Fix |
|---|---|---|
| File rejected | Blurry/incorrect documents | Re-scan in high quality; match names/CNIC |
| Delay in approval | High volume / pending verifications | Track weekly; escalate after 14–21 days |
| EMI mismatch | Bank fees/insurance not factored | Ask for all-in EMI (incl. takaful/fees) |
| Quota confusion | Wrong category selection | Re-apply under correct quota with proof |
| Delivery lag | Logistics/back-order | Dealer follow-up; consider alternative color/variant |
Safety & Compliance Tips
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Apply only through official portal and authorized dealers
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No agent fees—avoid middlemen claims of “guaranteed approval”
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Keep receipts & agreement; enable auto-debit for on-time EMIs
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Maintain comprehensive insurance/takaful from day one
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For commercial use, follow local transport rules/permits
FAQ
Q1. Who can apply for the Meri Gari Scheme 2025?
Punjab residents (CNIC) aged 20–50 who are salaried, self-employed, or job-seekers with a simple earning plan.
Q2. Is the car brand new or used?
You can choose brand-new or certified used (≤3 years) vehicles from approved dealers.
Q3. What is the markup and tenure?
Indicative 5–8% with 3–7 year repayment. Final rates depend on your bank profile and any subsidy.
Q4. What minimum income is suggested?
Target Rs 30,000+/month so your EMI stays manageable (ideally ≤35% of income).
Q5. Can women/differently-abled applicants get priority?
Yes—reserved quotas and relaxed down payments may apply (attach proof).
Q6. Can I nominate a driver?
Yes. Some categories allow nominating a licensed family driver.
Q7. How do I track status?
Use your portal tracking ID, registered mobile/SMS, or authorized dealer.