The Meri Gari Scheme Punjab 2026 is a major vehicle financing initiative recently launched by the Government of Punjab to help citizens own affordable cars. With rising transport costs, owning a vehicle has become challenging — especially for youth, working families, and small business owners. This scheme makes car ownership possible with low markup, long repayment options, and a fully digital application process.
📌 What Is the Meri Gari Scheme Punjab?
The Meri Gari Scheme Punjab is designed to offer subsidized car financing to eligible residents of Punjab. Instead of expensive commercial auto loans, the government coordinates with partner banks to provide vehicles at low markup rates (around 6–8%) and flexible payment terms.
The initiative also supports economic participation by encouraging applicants to use vehicles for ride-hailing or local delivery services.
👥 Who Can Apply? Eligibility Criteria
To qualify for the Meri Gari Scheme Punjab, applicants generally must:
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Be a permanent resident of Punjab with valid CNIC.
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Be 20 to 50 years old (age requirements may vary slightly).
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Earn a minimum monthly income of around Rs. 30,000.
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Have a clean banking record (no loan defaults).
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A driving license is preferred — but women and differently-abled applicants may nominate a licensed driver.
📍Special priority is often given to women, students, and differently-abled citizens, making it more inclusive.
💼 Scheme Benefits – Why It Matters
Here’s how the Meri Gari Scheme Punjab can change lives:
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Affordable Ownership: Lower markup than traditional auto loans (approx. 6–8%).
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Flexible Installments: Monthly payments starting around Rs. 25,000.
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Easy Online Process: Entire application is digital — no middlemen.
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Income Support: Use the vehicle to earn (ride-hailing, courier, school pick-ups, etc.).
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Priority Quotas: Extra consideration for women and differently-abled applicants.
If approved, this scheme helps many aspiring drivers and small entrepreneurs get on the road and start earning while reducing transport expenses.
📝 Required Documents
Before applying online, ensure you have:
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Clear CNIC scans (front and back)
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Recent passport-size photo
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Income proof (salary slip or bank statements)
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Recent utility bill (address verification)
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Driving license (or nominated driver’s)
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Bank account details for installment deductions
Submit clear, readable documents to avoid delays.
🖥️ How to Apply – Step-by-Step
The application is fully digital and portal-based:
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Visit the official Punjab government vehicle financing portal.
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Register using your CNIC and mobile number.
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Provide personal, income, and employment details.
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Choose your preferred vehicle category.
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Upload all required documents.
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Submit and save your tracking ID for status updates.
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Await bank verification and approval.
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Once approved, pay the down payment and complete financing.
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Collect your vehicle from an authorized dealer.
🔍 Application Tracking
You can check your status via:
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Online portal login with CNIC
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SMS alerts sent to registered mobile
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Visit e-Khidmat Centers for in-person support
💡 Final Take
The Meri Gari Scheme Punjab 2026 is one of the most progressive welfare efforts from the Punjab government this year. By combining subsidized financing, a simple online process, and opportunities for income generation, the scheme helps bridge the mobility gap for middle-income families and young professionals.
❓FAQs for Meri Gari Scheme Punjab
1. What is the Meri Gari Scheme Punjab?
It’s a government car financing program offering subsidized loans and easy installments to eligible Punjab residents.
2. Who can apply?
Punjab domicile holders aged approx. 20–50 with a minimum income and clean banking record.
3. How much is the down payment?
Typically 15–20% of the vehicle’s value.
4. Are women and special persons prioritized?
Yes — priority quotas exist for women, students, and differently-abled applicants.
5. Where do I apply?
Through the official digital portal of the Punjab government vehicle financing program.
