The CM Punjab Meri Gari Scheme 2026 has officially entered its implementation phase, offering a powerful financial solution for middle-income families, job seekers, and aspiring entrepreneurs across Punjab. Under the leadership of Maryam Nawaz Sharif, this initiative has expanded beyond simple car financing into a complete mobility and self-employment ecosystem.
For 2026, the scheme now includes personal cars, certified used vehicles, and the Green E-Taxi Program, aiming to create over 100,000 self-employment opportunities while making vehicle ownership more affordable than ever.
What is CM Punjab Meri Gari Scheme 2026?
The Meri Gari Scheme is a government-backed vehicle financing program that provides low-markup and “near interest-free” car loans to eligible citizens. Unlike private banks that charge very high interest rates, the Punjab government subsidizes a major portion of the markup so that deserving applicants can own a vehicle through easy monthly installments.
This scheme directly connects applicants with partner banks, eliminating middlemen and ensuring transparency.
CM Punjab Meri Gari Scheme 2026 – Latest Snapshot
| Feature | Details (2026) |
|---|---|
| Monthly Installment | Starting from Rs. 25,000 |
| Down Payment | 15% – 20% of vehicle value |
| Markup Rate | Subsidized 6% – 8% |
| Vehicle Options | New Cars & Certified Used Cars (up to 3 years old) |
| Repayment Tenure | 3 to 7 Years |
| Special Segment | Green E-Taxi (Interest-Free Markup) |
Major Updates in Meri Gari Scheme 2026
1) Green E-Taxi Program
A dedicated segment for electric taxis (EVs) designed to promote eco-friendly transport and self-employment.
-
Government covers 100% markup (interest-free financing)
-
Free vehicle registration
-
Priority for unemployed youth and job seekers
-
Ideal for ride-hailing services like Uber, Careem, and Bykea
2) Certified Used Vehicles
Applicants can now finance certified used cars (not older than 3 years), reducing the purchase price while maintaining quality.
-
Lower upfront cost
-
Inspected & certified vehicles only
-
Same subsidized markup structure
Who Can Apply? (Eligibility Criteria 2026)
To ensure maximum benefit for productive citizens, the Punjab government has revised the eligibility:
-
Age: 20 to 50 years
-
Minimum Monthly Income: Rs. 30,000 (verifiable)
-
CNIC holder with Punjab domicile
-
Clean e-CIB credit history (no bank default)
-
Job seekers must submit a Simple Earning Plan
-
Driving License: Mandatory for E-Taxi, preferred for personal cars
Priority Quotas
-
20% reserved for women
-
Quotas for top-performing students
-
Quotas for differently-abled persons
How to Apply Online for CM Punjab Meri Gari Scheme 2026
The entire registration process is digital:
-
Visit the official website: Punjab Government portal via punjab.gov.pk
-
Register using a mobile number linked with CNIC
-
Select vehicle category (Personal Car / Used Car / E-Taxi)
-
Fill employment or business details
-
Upload required documents
-
Submit form and save your tracking ID
Required Documents
-
CNIC (front & back)
-
Punjab Domicile
-
Salary slips or 6-month bank statement
-
Driving License (mandatory for E-Taxi)
-
Passport-size photograph
Selection Process & E-Balloting
Due to high demand, applications are shortlisted through computerized e-balloting.
-
Selected applicants receive SMS from official government numbers
-
Final physical verification at nearest e-Khidmat Center
-
Vehicle remains hypothecated to the bank (usually Bank of Punjab) until loan completion
Important Deadline Update
-
First E-Taxi registration phase closed on February 5, 2026
-
General Meri Gari Scheme (personal & used cars) remains open for the next quarterly batch
Benefits of CM Punjab Meri Gari Scheme 2026
-
Affordable monthly installments
-
Government-subsidized markup
-
Opportunity for self-employment
-
Transparent and digital system
-
Support for women and youth
FAQs – CM Punjab Meri Gari Scheme 2026
Q1: Is the Meri Gari Scheme interest-free?
Only the Green E-Taxi segment is fully interest-free. Personal and used cars have subsidized markup (6%–8%).
Q2: Can I apply if I am unemployed?
Yes, by submitting a Simple Earning Plan showing how you will earn using the vehicle.
Q3: Can I apply for a used car?
Yes, certified used cars up to 3 years old are allowed.
Q4: Is driving license compulsory?
Mandatory for E-Taxi applicants; recommended for personal cars.
Final Words
The CM Punjab Meri Gari Scheme 2026 is one of the most impactful mobility and employment initiatives in Punjab’s history. If you meet the eligibility criteria, apply online as soon as possible to secure your chance of owning a car or starting your own earning journey.