CM Punjab Meri Gari Scheme 2025 – Apply Online, Installment Plans
The Punjab Government, under the leadership of Chief Minister Maryam Nawaz Sharif, has launched the CM Punjab Meri Gari Scheme 2025, a major initiative to make car ownership affordable and accessible for ordinary citizens. The scheme aims to help middle- and lower-income people buy small, fuel-efficient cars through easy monthly installments with little to no interest.
This program is especially designed for students, women, government employees, and private workers who find it difficult to afford a vehicle due to rising prices and inflation. The government hopes the scheme will reduce dependence on public transport and improve safety and convenience, particularly for women and students.
Vision Behind the Scheme
The Meri Gari Scheme 2025 is not just about selling cars — it’s a social development project. Chief Minister Maryam Nawaz Sharif’s goal is to empower the middle class, promote local car manufacturing, create employment opportunities, and encourage the use of smaller, eco-friendly vehicles.
By providing affordable cars, the government aims to improve mobility, strengthen the economy, and give families a sense of security and independence.
Key Features
Under this scheme, eligible citizens can buy locally assembled small cars, usually ranging between 660cc and 1000cc, on easy monthly installments. Punjab residents aged between 20 and 50 years can apply, and applicants must have a valid CNIC and a stable source of income.
The down payment is expected to be around 10–15% of the total price, and the installment duration can go up to five years. Monthly payments may range between Rs. 25,000 and Rs. 40,000 depending on the car model. Some categories, such as government employees and women, may receive additional subsidies or even interest-free financing.
Financing will be provided through the Bank of Punjab and other partner banks, and the vehicle will be registered in the applicant’s name after all installments are paid.
Who Can Apply
Anyone who lives in Punjab and holds a valid CNIC can apply for the CM Punjab Meri Gari Scheme 2025. Applicants must have a regular income, either through employment, business, or freelancing. A valid driving license is preferred but not mandatory at the time of application.
Special preference will be given to women, students enrolled in recognized educational institutions, government employees, and individuals using the vehicle for ride-hailing or delivery services.
How to Apply Online
Once the online portal is launched, applicants will be able to register for the scheme from the comfort of their homes. Here’s the step-by-step process:
- Visit the official website of the Punjab Government or the Bank of Punjab (BOP).
- Fill in your personal details such as CNIC, name, mobile number, and address.
- Upload scanned copies of your CNIC, photograph, proof of income, and driving license.
- Select your preferred car model from the available options.
- Submit your form and keep the confirmation message or application ID for future reference.
After submission, your details will be verified through NADRA. Once verified, your name will be included in a computerized ballot to ensure transparency and fairness.
Documents Required
Applicants should prepare the following documents before applying:
- CNIC (front and back)
- Passport-size photograph
- Salary slip or business income certificate
- Utility bill for address verification
- Driving license (if available)
- Proof of Punjab residency (domicile or ID card address)
It’s best to keep all scanned copies under 2MB for smooth uploading on the online portal.
Expected Cars Under the Scheme
The government has not yet confirmed the exact list of car models, but it is expected to include small, fuel-efficient cars such as:
- Suzuki Alto 660cc
- United Bravo or Prince Pearl
- Hyundai Santro or Kia Picanto
- Locally manufactured small electric cars
These vehicles are affordable to maintain and suitable for students, small families, and working professionals.
Monthly Installments and Price Estimates
Although final rates may vary, the estimated prices and installment ranges are as follows:
- Suzuki Alto 660cc: Price around Rs. 2 million with Rs. 250,000 down payment and Rs. 25,000–30,000 monthly installments for 5 years.
- Prince Pearl 800cc: Price around Rs. 1.6 million with Rs. 200,000 down payment and Rs. 22,000–26,000 monthly installments for 5 years.
- Kia Picanto or Hyundai Santro: Price around Rs. 2.4 million with Rs. 300,000 down payment and Rs. 35,000–40,000 monthly installments for 5 years.
These figures are early estimates and may be adjusted based on the final subsidy structure.
Why This Scheme Matters
For many people, owning a car in Pakistan is not just about comfort — it’s a necessity. With limited public transport and rising travel costs, the CM Punjab Meri Gari Scheme 2025 gives families, students, and workers the independence to travel safely and affordably.
The scheme also boosts local car manufacturing, supports employment, and encourages fuel-efficient and eco-friendly vehicles. By making car ownership more inclusive, it helps strengthen both the economy and social equality.
Common Problems During Registration
If you face issues during online registration, here are some quick solutions:
- If the form doesn’t submit, check your internet connection or missing fields.
- If your CNIC is rejected, make sure it’s valid and updated with NADRA.
- If documents fail to upload, re-scan them in the right format and size.
- If you don’t receive a confirmation SMS, wait 24 hours or check your email.
- If your name isn’t in the ballot, it might still be under verification — check the official website for updates.
Launch Date and Registration Timeline
The official registration for the Meri Gari Scheme 2025 is expected to begin by the end of November 2025, after approval from the Punjab Cabinet. The first batch of cars will likely be distributed in early 2026.
Applicants are advised to stay updated through the official websites of the Punjab Government and the Bank of Punjab, and avoid fake or unauthorized links circulating online.
Transparency and Verification
To maintain full transparency, all applications will be verified through NADRA and Bank of Punjab systems. The entire process, including selection and financing, will be handled digitally, leaving no room for favoritism or manual interference.
All selected candidates will be chosen through a computerized ballot. No agent or political contact can guarantee selection, ensuring equal opportunity for every applicant.
Frequently Asked Questions
When will applications open?
The application process is expected to open by the end of November 2025.
Who can apply?
Any resident of Punjab aged 20–50 years with a valid CNIC and stable income can apply.
Is it only for government employees?
No, private workers, students, and self-employed individuals are also eligible.
Is there any interest on installments?
For some categories, especially women and government employees, the scheme may offer zero or very low-interest installments.
Which bank will handle payments?
The Bank of Punjab (BOP) will manage financing and payments under this scheme.
Can I apply if I don’t have a driving license?
Yes, but you’ll need to obtain a valid driving license before receiving your vehicle.
Final Thoughts
The CM Punjab Meri Gari Scheme 2025 is one of the most practical and people-friendly initiatives launched by the Punjab Government. It combines affordability, transparency, and empowerment — especially for students, working women, and low-income families.
By offering easy car financing, the government is not just providing transportation — it’s helping citizens move forward, earn better, and live with dignity.
If you’re eligible, get your documents ready and stay tuned for the official registration date. This could be your best opportunity in 2025 to own your dream car through a government-backed installment plan.
