Maryam Nawaz Bike Scheme 2026: Punjab Free Motorcycle Registration, Eligibility & How to Apply
The Maryam Nawaz Bike Scheme — officially known as the Punjab Chief Minister’s Apna Rozgar Scheme for motorcycles — has been one of the most searched government initiatives in Punjab since its announcement in 2024. Under Chief Minister Maryam Nawaz Sharif, the Punjab government launched a motorcycle subsidy and installment program aimed at providing affordable transport to youth and low-income workers. This guide covers everything you need to know about eligibility, application process, participating banks, and what bikes are available under the scheme in 2026.
Maryam Nawaz Bike Scheme: Official Name & Background
The scheme has been referred to by several names in media reports:
- Punjab CM Bike Scheme 2024
- Apna Rozgar Bike Scheme Punjab
- CM Punjab Motorcycle Scheme
- Maryam Nawaz Motorcycle Scheme
Launched in mid-2024, the initiative allows eligible Punjab residents to purchase 70cc and 125cc motorcycles on easy installments with government-subsidized interest rates. The scheme targets:
- Students enrolled in government colleges and universities
- Daily-wage workers and small business owners
- Unemployed youth seeking self-employment opportunities
- Women in some specific disbursements
Bike Scheme 2026: Available Motorcycles
The Punjab government has tied up with multiple manufacturers and dealers. The following bikes are available under the scheme:
70cc Motorcycles Under Scheme
| Model | Brand | Market Price | Down Payment (Scheme) | Monthly Installment |
|---|---|---|---|---|
| CD-70 2026 Model | Atlas Honda | Rs 135,000–145,000 | Rs 15,000–20,000 | Rs 3,500–4,500/month (24 months) |
| Prider 70 | Road Prince | Rs 115,000–120,000 | Rs 12,000–15,000 | Rs 3,000–4,000/month |
| Super Star 70 | Super Star | Rs 110,000–115,000 | Rs 10,000–12,000 | Rs 2,800–3,500/month |
| Unique 70 | Unique Motorcycles | Rs 108,000–115,000 | Rs 10,000–12,000 | Rs 2,800–3,500/month |
125cc Motorcycles Under Scheme
| Model | Brand | Market Price | Down Payment (Scheme) | Monthly Installment |
|---|---|---|---|---|
| CB-125F 2026 | Atlas Honda | Rs 260,000–275,000 | Rs 25,000–30,000 | Rs 8,500–10,000/month (24 months) |
| CG-125 2026 | Atlas Honda | Rs 225,000–235,000 | Rs 20,000–25,000 | Rs 7,000–8,500/month |
| Suzuki GD-110 2026 | Suzuki Pakistan | Rs 235,000–245,000 | Rs 22,000–27,000 | Rs 7,500–9,000/month |
| YBR-125 2026 | Yamaha Pakistan | Rs 265,000–280,000 | Rs 25,000–30,000 | Rs 8,500–10,500/month |
Installment amounts are approximate and depend on down payment, loan term chosen, and participating bank’s rate. Actual rates may vary at time of application.
Eligibility Criteria for Maryam Nawaz Bike Scheme
Who Can Apply
| Criterion | Requirement |
|---|---|
| Province | Punjab resident only (domicile certificate required) |
| Age | 18–45 years |
| CNIC | Valid Pakistani CNIC (B-form for under-18 not accepted) |
| Income | Monthly income below Rs 80,000 (low/middle income) |
| Employment Status | Employed, self-employed, or student |
| Banking History | No default on any previous loan or credit |
| Previous Scheme | Must not have received a motorcycle under any previous CM scheme |
Priority Categories
The scheme gives priority to applicants from these categories:
- Students of government educational institutions (TEVTA, colleges, universities)
- Daily-wage workers in formal employment
- Applicants from district areas (outside Lahore/Rawalpindi)
- Women applicants (special reserved quota)
- Persons with disabilities (5% reserved quota)
How to Apply for Punjab Bike Scheme 2026
Online Application Portal
The official application portal is managed by the Punjab Information Technology Board (PITB):
- Visit rozgar.punjab.gov.pk (official PITB portal)
- Click on “Apna Rozgar Scheme — Motorcycle”
- Register using your CNIC number
- Fill in personal details, address, income, and employment information
- Upload required documents (scanned copies)
- Submit and note your application tracking number
- Wait for SMS notification on registered mobile number
Required Documents
| Document | Specification |
|---|---|
| CNIC (both sides) | Clear scan/photo, not expired |
| Punjab domicile certificate | Issued by relevant authority |
| Proof of income | Salary slip, employer letter, or tax return |
| Bank account details | Active account in participating bank |
| 2 passport photos | Recent, white background |
| Utility bill | LESCO/MEPCO/FESCO (address verification) |
| For students | Enrollment certificate from institution |
Participating Banks
The following banks are participating in motorcycle loan disbursement under the scheme:
- National Bank of Pakistan (NBP)
- Zarai Taraqiati Bank Limited (ZTBL)
- Bank of Punjab (BOP)
- First Women Bank (FWB) — women applicants only
- HBL Microfinance Bank
Selection Process & Timelines
| Phase | Activity | Approximate Timeline |
|---|---|---|
| Phase 1 | Online application submission | Ongoing (rolling applications) |
| Phase 2 | PITB eligibility verification | 2–3 weeks after submission |
| Phase 3 | Bank credit assessment | 1–2 weeks after eligibility pass |
| Phase 4 | Loan approval notification via SMS | 1 week after bank assessment |
| Phase 5 | Bike selection at authorized dealer | Within 30 days of approval |
| Phase 6 | Registration and delivery | 7–14 days after bike selection |
Total Bikes Distributed (2024–2026)
As of mid-2026, Punjab government reports approximately 85,000 motorcycles have been disbursed under various CM schemes since 2024. The current target is 200,000 bikes by end of 2026–27 fiscal year.
Running Costs After Getting Bike Under Scheme
Before applying, calculate your total monthly commitment:
| Cost Item | Monthly (70cc) | Monthly (125cc) |
|---|---|---|
| Loan installment | Rs 3,000–4,500 | Rs 7,000–10,000 |
| Petrol (1,200 km @ Rs 254/l) | Rs 4,573 (26 km/l) | Rs 5,587 (22 km/l) |
| Engine oil (monthly share) | Rs 400–600 | Rs 500–800 |
| Maintenance reserve | Rs 500–1,000 | Rs 800–1,500 |
| Total Monthly | Rs 8,500–11,000 | Rs 13,900–18,000 |
Keep in mind that petrol prices in Pakistan are revised every two weeks by OGRA, which affects your monthly running budget. The CD-70 at 50+ km/l is extremely fuel-efficient for commuting.
Motorcycles under the scheme also need to be properly registered. For questions about vehicle registration verification, the MTMIS system is the official tool. Those who want to upgrade to a car later may want to explore car loan interest rates in Pakistan 2026.
Bike Scheme vs Buying Bike Outright: What’s Better?
| Factor | Bike Scheme (Subsidized) | Cash Purchase |
|---|---|---|
| Upfront cost | Rs 10,000–30,000 down payment | Full price Rs 108,000–280,000 |
| Total cost paid | Higher (interest adds Rs 15,000–40,000) | Lower (just market price) |
| Accessibility | Available to those without full savings | Requires savings in hand |
| Processing time | 4–8 weeks | Same day |
| Ownership complications | Bank hypothecation until loan cleared | Full ownership immediately |
| Best for | Those without Rs 100,000+ savings | Those who can afford cash |
If you have Rs 80,000–100,000 saved, buying a good used motorcycle outright is financially better than taking the scheme loan. The scheme makes the most sense for first-time buyers who genuinely cannot afford the upfront cost.
Frequently Asked Questions
Yes, the Punjab CM Bike Scheme continues accepting applications in 2026 on a rolling basis. New batches are announced quarterly. Follow the official PITB portal (rozgar.punjab.gov.pk) for latest announcements.
No. The scheme is exclusively for Punjab province residents with valid Punjab domicile certificates. Sindh, KPK, Balochistan, and Islamabad residents are not eligible for the Punjab CM bike scheme.
Missing installments results in late payment charges (typically 2–3% of overdue amount per month). Repeated defaults (3+ consecutive months) lead to loan recall, repossession of the motorcycle, and a CNIC-level credit blacklist that affects future banking access.
The motorcycle remains under bank hypothecation until the loan is fully repaid. Selling a hypothecated vehicle without bank clearance is illegal and constitutes fraud. You must clear the loan and obtain bank’s NOC before transferring ownership.
At the time of application, a valid motorcycle driving license is not mandatory. However, once you receive the motorcycle, you are legally required to obtain a license before riding on public roads. Riding without a license is a traffic violation and can result in e-challan fines.
Track your application at rozgar.punjab.gov.pk using your CNIC number and application reference. SMS notifications are also sent to the mobile number registered at application.
The Punjab government subsidizes the interest rate to 5–7% per annum (compared to market rates of 20–25%). The exact rate depends on the participating bank and loan tenure (12, 18, or 24 months). The government pays the difference between market rate and scheme rate as a subsidy.
