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Roshan Apni Car Banners

Overview

Roshan Digital Account holders can now finance a brand-new, locally manufactured car in Pakistan with flexible payment options and fully digital processing. This plan allows NRPs to own a vehicle without the hassle of managing local procedures themselves.

  • Finance amounts ranging from PKR 200,000 to PKR 7,500,000.
  • Low down payments (15%-20%) or 0% equity for lien-based financing.
  • Convenient tenures from 2 to 7 years.
  • Attractive markup rates: Standard 1-Year KIBOR + 1.00%, Lien-Based SBP Floor Rate + 1.00%.
  • Optional insurance cover including health, travel, and accidental death.
  • Fully digital application and approval process.

Features & Offerings

Wide Financing Range

Finance cars worth PKR 200,000 – 7,500,000.

Flexible Tenure Options

Choose repayment terms from 2 to 7 years.

Low Equity Requirement

Down payments as low as 0–20%, depending on financing type.

Multiple Financing Choices

Standard and lien-based financing available.

Comprehensive Insurance

Optional coverage including health, travel, and accidental death.

Seamless Digital Process

End-to-end online application and approval.

Eligibility & Documents

No Additional Documents is requried

How to Apply

You can access the Roshan Car facility through the mobile application or website after opening your Roshan Digital Account. Simply follow a few easy steps to acquire your dream car for your loved ones in Pakistan.

  • Step 1 – Authentication: Start by verifying your identity securely.
  • Step 2 – Personal Details: Enter your personal information including contact details.
  • Step 3 – Business and Employment Details: Provide your employment or business background.
  • Step 4 – Income Details: Submit your income-related information.
  • Step 5 – Nominee / Co-Borrower Details: Add information about any nominee or co-borrower.
  • Step 6 – Vehicle Details: Select and provide details of the vehicle you want to finance.
  • Step 7 – Undertaking I: Review and agree to the first undertaking.
  • Step 8 – Undertaking II: Review and agree to the second undertaking.
  • Step 9 – Terms & Conditions: Carefully read and accept the terms and conditions.
Apply Now

Roshan Apni Car Calculator

*Terms & Conditions apply

Insurance Rates for Bank Alfalah Roshan Apni Car:

Company Name Standard Rate Rates with Value Added Services*
Insurance Rate without Tracking Device Insurance Rate With Tracking Device Insurance Rate without Tracking Device* Insurance Rate With Tracking Device*
AlFalah Insurance Company Limited 1.40% 1.99% 2.00% 2.50%
Adamjee Insurance 1.50% 1.99% 2.90% 3.50%
EFU General Insurance Ltd. 1.40% 1.99% 1.40% 1.99%
UBL Insurers. 1.40% 1.89% 2.90% 3.50%
Jubilee General Insurance. 2.25% 2.50% 2.25% 2.50%
Values added Services*
AlFalah Insurance Company Limited
  • Accidental death cover upto Sum Insured of the Vehicle or of PKR 2.5 million whichever is less.
Adamjee Insurance
  • Accidental death cover upto Sum Insured of the Vehicle or of PKR 2.5 million whichever is less.
  • Health Insurance plan of 20% of Vehicle’s Sum Insured or PKR 500,000 whichever is less. (Applicable for Age limit not more than 60 years)
  • Online Unlimited Medical Consultancy.
  • Travel Insurance Plan upto USD 50,000 (Only applicable for Vehicle with sum insured above PKR. 2 Million).
EFU General Insurance Ltd.
  • Accidental death covers of PKR 2.5 million.
UBL Insurers.
  • Accidental death covers of PKR 2.5 million.
Jubilee General Insurance.
  • Payment of full outstanding auto finance in case of RDA holder’s death.
  • Free Medical Cover upto 1m, in case of Hospitalization of RDA holder for 30 days.
* Value added services shall be only applicable for the ‘Value Added Rates.’
* Value added Services shall only be applicable for Local Beneficiary / Co-Borrower.
*Terms and conditions apply.

Disclaimer:

  • Monthly instalment is tentative and subject to change as per the final approval.
  • The insurance premium for the first year of the finance facility, shall be payable up-front. The premium for the subsequent periods shall be included in the monthly installments.
  • Applicable Taxes, Vehicle Registration & Freight Charges will be payable along with the Down Payment.
  • For Standard Product KIBOR rate (One Year) on the first day of the month will be applicable and will be revised on loan anniversary.
  • For Lien Based Product SBP Floor rate shall be applicable as per SBP’s Monetary Policy at the time of Loan Booking and will be revised on loan anniversary.
  • Cases will be processed subject to satisfaction of Debt Burden Ratio (DBR) (as per Prudential Regulation’s- State Bank of Pakistan), Bank’s internal credit policy and due diligence checks.
  • Processing Fee and all other charges will be applicable as per Banks Schedule of Charges
  • Vehicle prices are tentative exclusive of applicable taxes and subject to change by Manufacturers.