CM Punjab Apni Gari Scheme 2025 – Empowering Youth with Easy Vehicle Loans
The Government of Punjab has introduced the Apni Gari Scheme 2025, a unique effort to combat unemployment among educated youth. Under this initiative, eligible individuals in Punjab can receive brand-new vehicles on easy monthly payments to start their taxi services or small transport businesses.
Eligibility Criteria
- Hold a Punjab domicile
- Be 21 to 35 years old as of 31 October 2025
- Have completed at least matriculation
- A valid CNIC and driving license
- Belong to a family with total assets worth less than Rs. 2 million
- Have no criminal record or prior loan defaults
- Complete 15 days of certified driving training
Required Documents
Applicants must provide the following:
- Attested CNIC copy
- Copy of valid driving license
- Two recent passport-size photos
- Copies of academic certificates
- Copy of Punjab domicile
- Affidavit on Rs. 50 stamp paper declaring asset value and clean criminal record
Vehicle Options and Financing Details
| Vehicle | Price (Discounted) | Down Payment | Monthly Installment | Initial Charges | Govt. Markup |
|---|---|---|---|---|---|
| Mehran | Rs. 597,000 | Rs. 170,000 | Rs. 9,000 | Rs. 11,000 | 100% Covered |
| Bolan | Rs. 655,000 | Rs. 177,000 | Rs. 10,000 | Rs. 12,000 | 100% Covered |
Note: The initial fee includes an Rs. 2,000 non-refundable processing payment and a refundable token (Mehran: Rs. 9,000 | Bolan: Rs. 10,000)
Other Charges
- Late Fee: Rs. 1 per Rs. 1,000/day on delayed installments
- Early Termination: 5% of the unpaid loan amount
- Repossession Fee: Rs. 10,000 plus storage charges (up to Rs. 200/day)
How to Apply?
- Visit the official website for the Punjab Rozgar or Meri Gari Scheme (link to be shared soon).
- Download and fill out the application form.
- Attach all required documents.
- Present the form online or at selected centers.
- Wait for confirmation or interview invitation.
Scheme Timeline
- Launch Date: May 2025
- Last Date to Apply: To be officially announced
What is the Apni Gari Scheme?
Apni Gari Scheme will distribute 20,000 new Mehran and Bolan vehicles to qualified applicants across Punjab. This program is designed to support self-reliance by offering reliable and affordable transport options through government-subsidized financing.
Objectives of the Scheme
- Provide income-generating opportunities for jobless youth
- Facilitate access to affordable small vehicles
- Strengthen the local automobile industry
- Reduce market dominance of large car manufacturers
- Lay the foundation for future electric vehicle initiatives
Quick Summary
| Feature | Details |
|---|---|
| Car Condition | Brand new |
| Available Car Types | 660cc to 1300cc (Mehran, Bolan) |
| Coverage | Entire Punjab (40% quota for Southern Punjab) |
| Financing Partner | Bank of Punjab |
| Budget Range | Rs. 100,000 to Rs. 4.5 million |
| Duration | Starting 2025 onward |
