CM Punjab Meri Gari Scheme 2025 is a top of the line project by the Government of Punjab, aimed at assisting students, women, job seekers, and families with low-to-middle-income to acquire a car with easy payments, low interest and entirely digital platform. Looking to own a car whether as a means of personal mobility or to earn income, this scheme provides a cheap and clear path to owning a car.
The following is a step-by-step guide to applying online, anticipated installment plans, and helpful hints to make the application smooth.
Step-by-Step Guide: How to Apply Online for CM Punjab Meri Gari Scheme 2025
Follow these official steps to submit your application successfully:
Step 1: Visit the Official Portal
Access the official Punjab Government vehicle finance portal that focuses on the Meri Gari Scheme 2025.
Step 2: Create an Account
Register with CNIC number, mobile number.
A verification will be performed with the help of OTP sent to your mobile.
Step 3: Fill Out the Application Form
Enter your:
- Personal details
- Income information
- Employment or earning plan
- Nominee details (if any)
Ensure all information matches your CNIC and supporting documents.
Step 4: Select Vehicle Type
Choose from:
- New car, or
- Certified used car (up to 3 years old)
Only vehicles from approved dealers are eligible.
Step 5: Upload Required Documents
Add scans (PDF or JPG) of all the necessary documents in accordance with the checklist.
Step 6: Submit Application
Submit the form and save your tracking ID for future reference.
Step 7: E-Verification
Your application is digitally verified by the bank or concerned department.
Step 8: Approval & Down Payment
Once approved:
- Deposit the subsidized down payment
- Sign the vehicle finance agreement
Step 9: Vehicle Delivery
Final confirmation is to collect your vehicle at the authorized dealer.
Installment Plans & Estimated Costs (Illustrative)
These examples are approximate and may vary based on bank terms, insurance, and vehicle variant.
| Vehicle Price | Down Payment* | Tenure | Markup (Approx.) | Estimated 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 can be partially subsidized to women and other disabled applicants.
What’s New in CM Punjab Meri Gari Scheme 2025
The 2025 version brings several user-friendly improvements:
- Lower markup compared to conventional auto loans
- Flexible repayment tenure (3 to 7 years)
- Option to choose new or certified used cars
- Priority quotas for women and differently-abled persons
- Fully digital application and tracking system
Smart Ways to Earn with Your Car
The Meri Gari Scheme is not restricted to personal use. Authorized applicants are permitted to raise revenue by:
- Ride-hailing services (Careem, InDrive, etc.)
- Parcel and grocery delivery
- Office or factory pick-and-drop services
- School transport (with required permits)
- Airport transfers and weekend rentals
How to Track Your Application
| Method | How to Check |
|---|---|
| Online Portal | Log in using CNIC and Tracking ID |
| SMS | Use the official SMS service provided on the portal |
| Dealer | Authorized dealer can confirm delivery timeline |
| Support Centers | Visit nearby e-Khidmat Centers for assistance |
Common Issues & Quick Fixes
| Issue | Likely Reason | Quick Solution |
|---|---|---|
| Application rejected | Blurry or incorrect documents | Re-upload clear scans matching CNIC |
| Approval delay | High application volume | Track weekly; escalate after 2–3 weeks |
| EMI mismatch | Insurance or bank charges | Ask for an all-inclusive EMI quote |
| Wrong quota | Incorrect category selection | Re-apply with correct proof |
| Delivery delay | Vehicle back-order | Coordinate with dealer for alternatives |
Safety & Compliance Tips
- Apply only through the official Punjab Government portal
- Avoid agents or anyone promising “guaranteed approval”
- Keep copies of all receipts and agreements
- Enable auto-debit to avoid missed installments
- Ensure comprehensive insurance (takaful) from day one
- Follow local transport and permit rules if using the car commercially
Conclusion
The CM Punjab Meri Gari Scheme 2025 is a good move towards ownership of affordable vehicles in Punjab. This scheme enables families and increases economic activity with low markup, flexible installments, and digital processing and priority support to women and job seekers.
