🚗 CM Punjab Car Loan Scheme 2025 – Empowering Youth Mobility

The Government of Punjab has introduced an exciting initiative enabling youth and entrepreneurs in Punjab to get interest-free car financing under the Asaan Karobar Finance and Apni Gari programmes. Here’s everything you need to know:

🏛️ What Is the Scheme?

Officially part of the CM Punjab Asaan Karobar Finance initiative, the scheme includes benefits for leased vehicles—offering interest-free loans to support transportation-based businesses. Vehicles like Suzuki Bolan, Mehran, and electric options are included punjab.gov.pk

Additionally, under the CM Punjab Apni Gari Scheme (2025), unemployed youth can access clean, low-cost vehicle loans via the Bank of Punjab, with quotas to ensure provincial and regional coverage

🎯 Who’s Eligible?

Age: 21–60 years; specific schemes may use 21–35 age bracket for youth
Citizenship & Residency: Pakistani nationals residing in Punjab
Business Status: Active businesses or startups (for Karobar scheme); unemployed youth (for Apni Gari)
CNIC & References: Valid CNIC; no financial defaults; may require guarantees depending on loan tier

💸 What You Can Get

Interest-Free Vehicle Loans:
- Asaan Karobar: Up to Rs 30 million (tiered: unsecured up to Rs 5M; secured Rs 6–30M); zero interest
- Apni Gari: 60% Suzuki Mehran, 40% Bolan in installments supported by Punjab Govt
Lease Model: Enter vehicle loans under a leasing agreement via the Bank of Punjab
Supporting Incentives: Extended repayment (up to 5 years), grace periods, and government-paid markup for qualifying setups

📝 How to Apply

For Asaan Karobar (Vehicle Funding via punjab.gov.pk):

Visit the Asaan Karobar Finance Scheme portal
Click “Apply Now”, register using CNIC and details
Choose your loan Tier and vehicle lease
Provide business and personal documentation
Submit and monitor via the portal or helpline (1786)

What is Apni Zameen Apna Ghar Scheme?

For Apni Gari (Car Scheme via Bank of Punjab):

Go to Bank of Punjab’s Retail Finance – Car Lease section
Choose CarGar financing or Apni Gari portal
Login/Register, fill personal & asset details
Upload CNIC, driving license, educational certificates, and asset proof
Submit & await approval; implementation via departmental balloting, vehicles from ~May 2025

✅ Quick Tips for Applying

Double-check your age, CNIC, and Punjab residency
Ensure business documentation or proof of unemployment
Upload clear, legible documents
Make sure your FBR/CIB credit history is clean and active

🔔 Stay Updated

For ongoing updates and the latest on all CM Punjab youth empowerment programmes, visit Bright Spot Pakistan:
👉 https://brightspotpakistan.com

🏁 Final Word

The CM Punjab Car Loan Scheme 2025 opens doors for young professionals and entrepreneurs to access vehicles interest-free—fueling their businesses and boosting youth mobility. Whether you’re running a small freight operation or launching a ride service, this scheme could drive your success.

Don’t wait—apply today and keep an eye on Bright Spot Pakistan for timely updates!