CM Punjab Meri Gari Scheme 2025 is a landmark project of the Government of Punjab which seeks to make personal transportation affordable to students, women, job seekers and low-to-middle-income families. This scheme will enable targeted citizens to own small new or certified-used vehicles with easy monthly payments and low mark-up charges and contribute to better mobility, employment, and convenience in households throughout the province.
This program can be of particular interest to those who use transport to work or ride-hailing services, delivery businesses, or those who use this transport every day in their family.
Overview of CM Punjab Meri Gari Scheme 2025
The Meri Gari Scheme aims to make car ownership more affordable by providing government supported financing through easy eligibility and online application. The government of Punjab intends to enhance self-employment (particularly among young people and women) and access to safe and reliable transport through supporting ownership of cars.
Key Highlights of the Scheme
| Feature | Details |
|---|---|
| Who can apply | Punjab residents aged 20–50 (salaried, self-employed, or job seekers) |
| Vehicle options | New or certified-used cars (up to 3 years old) |
| Markup rate | Low (approximately 5–8%), with subsidies for priority groups |
| Tenure | 3 to 7 years fixed monthly installments |
| Special quotas | Priority for women and differently-abled applicants |
| Purpose | Personal use, ride-hailing, delivery services, family transport |
| Process | Online registration → e-verification → dealer delivery |
Eligibility Criteria for Meri Gari Scheme 2025
To be eligible to the CM Punjab Meri Gari Scheme 2025, the following requirements must be fulfilled:
- Domicile & CNIC: Must be a permanent resident of Punjab with a valid CNIC
- Age: Between 20 and 50 years at the time of application
- Income: Minimum monthly income of around Rs. 30,000 (salaried or self-employed)
- Job seekers: Eligible with a basic earning plan (such as ride-hailing or delivery services)
- Credit history: Applicant must not be a bank loan defaulter
- Driving license: Preferred, but optional for women or differently-abled applicants (a licensed driver can be nominated)
Documents Required (Checklist)
The following materials must be prepared and uploaded by the applicants (in PDF or JPG):
| Required Document | Details |
|---|---|
| CNIC (both sides) | Clear scan of national ID card |
| Recent photograph | Passport-size photo |
| Proof of income | Salary slip, bank statement, or business proof |
| Utility bill | For address verification |
| Driving license | Applicant’s or nominated driver’s license |
| Bank account details | For automatic EMI deductions |
| Quota proof | For women or differently-abled applicants (if applicable) |
Installment Plans & Repayment Structure
Under the Meri Gari Scheme 2025, installment plans are structured to remain affordable:
- Fixed monthly installments over 3 to 7 years
- Low markup compared to commercial auto loans
- Auto-debit facility through a linked bank account
- Early repayment options may be available depending on financing terms
Exact installment amounts depend on the vehicle price, tenure, and applicant category.
How to Apply Online for CM Punjab Meri Gari Scheme 2025
The application process is fully digital for transparency and ease:
- Visit the official Punjab Government Meri Gari Scheme portal
- Register using your CNIC
- Complete personal, income, and vehicle preference details
- Upload required documents
- Submit the application for verification
- Upon approval, select an approved dealer and receive vehicle delivery
Applicants can track their application status online throughout the process.
Why the Meri Gari Scheme Matters
CM Punjab Meri Gari Scheme 2025 is not just another car financing scheme. It supports:
- Employment through ride-hailing and delivery services
- Women empowerment with priority access
- Improved quality of life for families
- Safer and more reliable personal transportation
The scheme enables thousands of households to be mobile and economically stable by reducing the financial barriers.
Government of Punjab notifications only should be referred to by the applicants as far as official updates are concerned and one should not depend on the agents or unofficial sources that assure of approvals.
