The CM Punjab Apni Gari Scheme 2026 is a flagship vehicle financing initiative launched by the Government of Punjab to make car ownership affordable for families, youth, students, women, and job seekers across Punjab. The scheme provides low markup rates, easy monthly installments, and a fully digital application process, making it far more accessible than commercial auto loans.
Unlike private bank financing, this program focuses on mobility, employment generation, and daily convenience, all under transparent government supervision.
Apni Gari Scheme 2026 Online Apply Last Date Interest Rates
Whether you need a car for household use or to earn a living through ride-hailing or delivery services, this scheme offers a practical path to vehicle ownership.
What Is CM Punjab Apni Gari Scheme 2026?
The Apni Gari Scheme aims to reduce the financial burden of purchasing a vehicle. Instead of high-interest bank loans, the Punjab government offers subsidized markup, lower down payments, and longer repayment tenures through partner banks.
Interest Rates CM Punjab Apni Gari Scheme
A unique feature of the scheme is its income-generation focus. Applicants can strengthen approval chances by submitting a simple earning plan (such as ride-hailing, courier services, or pick-and-drop), making it ideal for youth and job seekers.
Key Features of CM Punjab Apni Gari Scheme 2026
| Feature | Details |
|---|---|
| Scheme Name | CM Punjab Apni Gari Scheme 2026 |
| Launched By | Government of Punjab |
| Eligible Applicants | Students, women, job seekers, salaried & self-employed |
| Vehicle Options | New cars & certified used cars |
| Financing Tenure | 3 to 7 years |
| Minimum Income | Rs. 30,000 per month |
| Application Mode | Fully online |
| Coverage Area | Punjab Province |
Eligibility Criteria Apni Gari Scheme – Who Can Apply?
The Punjab government has defined clear and simple eligibility rules to ensure fair access:
- Punjab domicile & valid CNIC
- Age limit: 20 to 50 years
- Minimum monthly income: Rs. 30,000 (salaried or self-employed)
- Clean banking record: No loan defaults
- Driving license preferred
- Women and differently-abled applicants may nominate a driver
- Job seekers can apply by submitting a basic income/earning plan
Women and differently-abled applicants are given priority consideration to promote inclusion and independence.
Required Documents For Online Apni Gari Scheme Registration
Applicants must upload clear and readable documents to avoid delays:
- CNIC (front & back)
- Recent passport-size photograph
- Salary slip or recent bank statement
- Utility bill for address verification
- Driving license (applicant or nominated driver)
- Bank account details for EMI deductions
- Disability certificate (if applicable)
How to Apply Online Apni Gari Scheme – Step-by-Step
The entire process is digital and agent-free:
- Visit the official Punjab government vehicle financing portal
- Create an account using CNIC and registered mobile number
- Enter personal, income, and job details
- Select a new or certified used vehicle (up to 3 years old)
- Upload required documents (PDF/JPG)
- Submit the application and save your tracking ID
- Wait for bank verification and approval
- Pay the down payment and sign financing documents
- Collect your vehicle from an authorized dealership
Apni Gari Scheme Installment Examples & EMI Guidance
Monthly installments depend on vehicle price, down payment, and tenure:
- Rs. 1,600,000 vehicle
- 15% down payment, 5 years
- EMI ≈ Rs. 25,000–28,000
- Rs. 2,000,000 vehicle
- 20% down payment, 6 years
- EMI ≈ Rs. 26,000–30,000
- Rs. 2,400,000 vehicle
- 20% down payment, 7 years
- EMI ≈ Rs. 30,000–35,000
💡 Experts recommend keeping EMIs within 35% of monthly income.
Major Benefits & Income Opportunities
- Low markup compared to commercial auto loans
- Flexible repayment tenure (3–7 years)
- Suitable for income generation
- Priority support for women & differently-abled applicants
Many beneficiaries earn through ride-hailing, courier delivery, school pick-and-drop, and airport transfer services, turning the vehicle into a source of income.
Apni Gari Scheme Helpline & Official Support
- Punjab Government Helpline: 0800-02345
- Punjab e-Khidmat Centers: Available across major districts
- Online Portal: Track application via CNIC & tracking ID
- SMS Alerts: Status updates on registered mobile number
⚠️ Avoid agents claiming “guaranteed approval”.
Apni Gari Scheme 2026 Apply Online
The CM Punjab Apni Gari Scheme 2026 offers a realistic and affordable solution for citizens who need reliable transport without heavy financial pressure. With low markup, digital processing, and income-friendly installments, the scheme supports mobility, employment, and economic growth across Punjab.
By applying through official channels and following guidelines carefully, eligible applicants can secure a vehicle and move toward a more stable and independent future.