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We are now offering Roshan ApniCar (Auto Finance) facility to overseas Pakistanis having a Roshan Digital Account at Bank AL Habib Limited to purchase a vehicle for their spouse residing in Pakistan.


Apply Now Roshan Apni Car Calculator

Type of Facility

  • Lien Based
  • Non-Lien Based

Product Eligibility Criteria / Type of Customer:

  • Financing facility for brand new locally assembled vehicles.
  • RDA Account holder with Resident Pakistani Spouse as co-borrower.
    • Regular Salaried individuals with minimum 2 years experience of current employer.
    • Contractual Salaried individual with minimum 3 years experience.
    • Self-Employed Professionals (SEP) with minimum 3 years experience in similar profession / professional setup.
  • Minimum Down Payment 15-45% depending upon the variant of vehicle.
  • Holder of Permanent Resident Card / Nationality for Non-Gulf Countries, and Residency / Resident Card for Gulf Countries.
  • Having clear credit history.
  • Vehicle to be registered in the name of borrower or spouse as co-borrower.
  • Facility to be disbursed and monthly installments to be paid from Roshan Digital PKR Account.
  • For lien based facility, 100% lien marking on financing amount on PKR deposit, 120% on foreign currency deposit.
  • Processing fee, documentation etc to be charged as per the Bank’s Schedule of Charges while courier charges at actual to be applied.
  • Minimum age at the time of application: 25 years.
  • Maximum age at maturity of financing: 60 years for salaried, 65 years for SEP.

For lien based facility, minimum experience and minimum Down Payment shall not be applicable.

Minimum Net Monthly Income:

  • Employed / Working in Gulf Countries: Equivalent to DHS 10,000/-.
  • Employed / Working in UK, USA, Canada, Australia, and countries where BAHL has branches / representative offices: Equivalent to USD 3,000/-.

For lien based facility, minimum income requirement, and restrictions of stated jurisdictions shall not be applicable.

Product pricing:

  • Lien Based:
    • Variable Rates: SBP Floor + 1.0%
    • Fixed Rates: Deposit Rate + 1.0%
  • Non-Lien Based:
    • Variable Rates: 1 Year KIBOR + 1.0%
    • Fixed Rates: Respective PKRV + 1.5%

Insurance Rates

Without Tracker With Tracker Value Added Services (apart from comprehensive coverage-bumper to bumper)
EFU 1.50%1.99% Accidental death Coverage up to PKR 2.5 Million
Jubilee 2.25%2.50% 1) Payment of full o/s auto finance amount in case of RDA holder's death
2) Free Medical Cover upto PKR 1 Million, in case of hospitalization of RDA holder for 30 days during stay in Pakistan.
UBL Insurer 1.40%1.89%
2.90%3.50%Accidental death Coverage up to PKR 2.5 Million
Adamjee 1.50%1.99%
2.90%3.50%1) Accidental death Coverage up to PKR 2.5 Million
2) Health insurance plan up to 20.00% of vehicle or PKR 500,000 whichever is less
3) Online Medical consultancy
4) Travel Insurance Plan up to USD 50,000
Habib 1.38%1.85%1) Accidental Death Coverage up to PKR 2.5 Million
2) Payment of full outstanding auto finance amount in case of RDA holder’s death
3) Travel Insurance Plan up to USD 50,000
4) Tracker Facility from A rated Company
5) Speedy Claim Approvals

Delivery time - by manufacturers ( Approx period )

Manufacturer Variants Tentative Delivery TimeOffer by Manufacturer
Honda AtlasCity2 to 3 monthsPriority delivery up to half from the acutal tentative delivery time
Civic3 to 4 months
BRV2 months
Kia Sportage 3 monthsPriority delivery up to half from the acutal tentative delivery time
Picanto 3 months
Carnival2 months
Sorento4 months
Indus MotorsYaris 2 to 3 monthsPriority delivery can be managed(booking month + 2)
Corolla 1.6 & 1.86 to 7 months
Fortuner6 to 7 months
REVO6 to 7 months
Grande6 to 7 months
Pak SuzukiAlto 2 monthsPriority delivery up to half from the acutal tentative delivery time
Cultus4 months
Wagon-R2 months
Bolan2 months
Ravi2 months
Swift3 months
HyundaiTucson6 to 7 monthsBooking month + 3

Required Documents

  • What documents are required for the Roshan Apni Car facility
    • Valid copy of CNIC / SNIC / NICOP, Passport, Visa, and residency card / work permit.
    • Recent passport size photographs of borrower and co-borrower.
    • CNIC copies of two references
    • Credit report from country of stay (wherever possible).
    • Income related Documents.
    • For Salaried Individuals:
      • Latest 3 months salary slips.
      • Latest employment certificate with the date of joining.
      • Last six month bank statement; where salary is being credited.
      • Name of employer’s HR representative with designation, contact number(s), mailing address, and email address (for verification of applicant’s credential).
      For Self Employed Professionals:
      • Copy of professional degree(s) / certificate(s).
      • Registration certificate from respective authority or association.
      • Last six month bank statement.
      • Valid proof of professional setup / license.

    For lien based facility, credit report from country of stay, and income related documents shall not be mandatory.