The Roshan Apni Gari Scheme is a car financing facility offered to overseas Pakistanis through their Roshan Digital Accounts. It allows eligible applicants living abroad to arrange vehicle financing for their families in Pakistan without requiring an in-person bank visit. The scheme has been available through participating banks and continues to serve overseas Pakistanis in 2026.
In this guide, you will find complete information about eligibility criteria, participating banks, application procedures, financing terms, and other details to help you make an informed decision.
What Is the Roshan Apni Gari Scheme?
Simply put: it’s a car loan designed exclusively for Non-Resident Pakistanis (NRPs).
You apply from wherever you live abroad. The car gets delivered to your family in Pakistan. Monthly installments are paid directly from your Roshan Digital Account.
The scheme runs under the State Bank of Pakistan’s broader Roshan Digital Account (RDA) framework — an initiative designed to bring overseas Pakistanis into the formal banking system and encourage remittances through official channels.
The car financing is one of the most popular benefits added to that framework.
Key Features at a Glance
- 100% online application — no Pakistan visit required
- Both Islamic and conventional financing options available
- Finance up to 3 vehicles simultaneously (lien-based)
- Loan tenure from 2 to 7 years
- Approvals typically within 4 working days
- Car registered in nominee’s name in Pakistan
Who Can Apply?
Not every Pakistani living abroad automatically qualifies. You need to meet a few specific conditions.
You must:
- Be a Non-Resident Pakistani (NRP) living and working outside Pakistan
- Have an active Roshan Digital Account with a participating bank
- Be between 22 and 60 years old at the time of loan maturity
- Have a trusted nominee in Pakistan — a spouse, parent, sibling, or adult child — who will receive the car and in whose name it gets registered
For remittance-based financing, you also need:
- At least three consecutive remittances sent to the same family member in Pakistan
For lien-based financing:
- Sufficient balance in your RDA or Naya Pakistan Certificates (NPCs) as collateral
- Some banks, including MCB, waive income proof and age documentation entirely for this option
If you have funds already sitting in your RDA or NPCs, the lien-based route is significantly more accessible.
First Step: Open a Roshan Digital Account
You cannot apply for the car scheme without an active RDA. It’s the foundation of everything.
If you haven’t opened one yet, here’s how it works:
Visit your chosen bank’s official website — Allied Bank, MCB, UBL, HBL, Meezan Bank, or Bank Alfalah all participate. Find the Roshan Digital Account section and fill in the online application.
You’ll need:
- Your NICOP or Pakistani passport
- Proof of overseas residence
- Basic personal details
The process takes around 20 to 30 minutes online. Activation typically takes a few working days.
Useful tip: If you apply for car financing within 6 months of opening your RDA, some banks — including MCB — waive the 6-month bank statement requirement entirely. Timing your application well can cut your paperwork significantly.
Which Banks Offer This Scheme?
As of 2026, the following commercial banks offer car financing under the Roshan Digital Account umbrella:
- MCB Bank
- Allied Bank (ABL)
- UBL
- HBL
- Meezan Bank
- Bank Alfalah
Each bank has its own markup rates, eligible vehicle list, and documentation requirements. Don’t assume one bank’s terms apply across all of them.
Before committing, spend 20 to 30 minutes comparing at least two or three banks. MCB and Allied Bank both have decent online installment calculators on their Roshan Apni Car pages that make this easy.
Understanding Your Two Financing Options
There are two main types of financing available. Choosing the right one for your situation makes a real difference.
Option 1 — Lien-Based Financing
You use your existing RDA balance or Naya Pakistan Certificates as collateral.
The bank places a lien on that amount and finances the car against it.
Why this option works well:
- No income proof required in most cases
- No down payment needed
- Rates can be as low as SBP floor rate + 1%
- MCB allows up to 100% vehicle financing against NPC or RDA balance
If you already have money parked in Pakistan through your RDA, this is usually the smoother path.
Option 2 — Remittance or Income-Based Financing
The bank assesses your income abroad and your history of sending money home.
Requirements typically include:
- Minimum three consecutive remittances to the same Pakistani family member
- Six months of overseas bank statements
- Income proof (salary slips or employer letter)
- Down payment of around 15% of the vehicle price
This option suits applicants who regularly send money home but may not have a large RDA balance built up yet.
Financing Rate Overview
| Option | Rate Benchmark | Tenure | Down Payment |
|---|---|---|---|
| Lien-Based (Floating) | SBP floor rate + 1% | Up to 7 years | None required |
| Lien-Based (Fixed) | PKRV benchmark | Up to 7 years | None required |
| Remittance-Based | 6M KIBOR + 1% | 2–7 years | Min. 15% |
| Islamic (Musharakah) | Shariah-compliant rate | Up to 7 years | Min. 15% |
Rates vary by bank and change with market conditions. Always confirm the current rate directly with your bank before applying.
How to Apply — Step by Step
The entire process is online. Here’s exactly how it works.
Step 1 — Log Into Your Roshan Digital Account
Go to your bank’s official website and sign into your RDA. This is your starting point for everything.
Step 2 — Find the Car Financing Section
Look for labels like:
- “Roshan Apni Car”
- “Auto Financing”
- “Vehicle Financing for NRPs”
Each bank names it slightly differently, but it’s usually easy to find under the RDA dashboard or product menu.
Step 3 — Fill Out the Application Form
You’ll provide:
- Your personal details
- Your nominee’s information
- The vehicle you want to purchase
- Your preferred financing type (lien-based or remittance-based, Islamic or conventional)
Take your time here. Errors at this stage slow down the approval process.
Step 4 — Upload Your Documents
Standard documents needed:
- NICOP or Pakistani passport (your copy)
- Nominee’s valid CNIC
- Proof of overseas residence or employment
- Last 6 months bank statements (remittance-based applicants)
- Income proof — salary slips or employer letter
- Vehicle quotation or booking form
Lien-based applicants with a healthy RDA balance typically need less paperwork. Check with your specific bank for the exact list.
Step 5 — Wait for Approval
The bank reviews your application digitally.
You’ll receive updates by email or SMS. The SBP has pushed banks to process these faster, and most straightforward applications get a decision within 4 working days.
Step 6 — Sign Agreements and Receive the Car
Once approved:
- You sign the financing agreements digitally from abroad
- Your nominee in Pakistan signs any required local documents
- The car is delivered to your nominee
That’s it. No flights booked. No branch visits. No weeks of back-and-forth.
Document Checklist
Get these ready before you start the application:
For you (overseas applicant):
- Valid NICOP or Pakistani passport
- Proof of foreign residence or employment
- Last 6 months overseas bank statements
- Salary slips or income proof letter
For your nominee (in Pakistan):
- Valid CNIC
For the vehicle:
- Booking form or quotation from the dealership
Keep digital copies of everything in one folder. You’ll likely need to submit some documents more than once across different stages.
Common Mistakes to Avoid
These are real issues — not hypothetical ones.
Not Comparing Banks Before Applying
Markup rates, eligible car models, and down payment requirements vary significantly between banks.
I made the mistake of going with the first option I found. Spend 30 minutes using online calculators at MCB, Allied Bank, and UBL before you decide. It’s worth it.
Choosing the Wrong Nominee
Your nominee isn’t just a name on paper. They need to:
- Be available to sign documents locally
- Accept delivery of the vehicle
- Coordinate with the bank if any issues arise
A sibling who travels constantly or lives far from the dealership is not an ideal choice. Think this through carefully.
Ignoring Possible Vehicle Delivery Delays
Some car models in Pakistan still face production backlogs.
If prices increase between your booking and delivery date, the new price may apply to your financing. Try to secure a fixed-price booking when possible, and ask the dealership directly about expected delivery timelines.
Assuming Islamic Financing Is Cheaper
Diminishing Musharakah is Shariah-compliant — but it’s not always the lowest-cost option overall.
Calculate the total amount you’ll pay over the full tenure under each option before deciding. The monthly installment figure alone doesn’t tell the complete story.
Letting Your RDA Balance Run Low
Your monthly installments are debited automatically from your Roshan Digital Account.
If your balance drops or the account becomes inactive, payments can fail — and that causes complications with the bank.
Set up a regular transfer schedule from your overseas account so the RDA always has enough to cover the next installment.
Can You Finance More Than One Car?
Yes — and most people don’t realise this.
Under the lien-based option (especially through MCB), you can finance up to 3 vehicles simultaneously, provided you have sufficient collateral in your RDA or NPCs.
That means you could potentially arrange transport for your parents, a sibling, and yourself — all at the same time.
The remittance-based route also allows financing for multiple vehicles, subject to income and repayment capacity assessment.
What Vehicles Are Eligible?
The scheme primarily covers locally assembled vehicles, including brands like:
- Suzuki
- Toyota
- Honda
Some participating banks also offer used car financing, though conditions differ by bank.
Imported CBU (Completely Built-Up) vehicles are generally not covered under this scheme.
On insurance: most banks bundle vehicle insurance into the financing package. Rates typically start around 1.4% per annum. Review the insurance terms carefully before signing — understand what’s covered and for how long.
Is the Roshan Apni Gari Scheme Actually Worth It?
For my situation — yes, completely.
My brother drives a Suzuki Alto to work now. I paid the 15% down payment from my RDA, and the monthly installments come out of the remittances I was already sending anyway. The money just goes somewhere more useful now.
From application to delivery took about 10 days, which felt genuinely fast for anything bank-related in Pakistan.
The scheme works especially well when:
- Your family member in Pakistan has no formal income proof or credit history
- You want full control of the process from abroad
- You prefer a completely online experience
It may not be the best fit when:
- Your nominee already has strong local credit history and income proof (a local auto loan might be simpler)
- The car model you want has long production delays in Pakistan
One honest note: customer support between local branches and RDA helplines can still be inconsistent. I hit a documentation discrepancy that took unnecessary back-and-forth to resolve because the two sides weren’t coordinating properly.
Keep copies of every document you submit. Follow up by email rather than phone so you have a written record of every conversation.
Quick Summary: How to Get Started
If you’re ready to move forward:
- Open a Roshan Digital Account at your preferred participating bank
- Compare financing terms at MCB, Allied Bank, and UBL using their online calculators
- Choose your financing type — lien-based or remittance-based, Islamic or conventional
- Select a reliable nominee in Pakistan
- Gather your documents
- Apply online through your bank’s RDA portal
The Roshan Apni Gari Scheme isn’t perfect. Documentation can feel bureaucratic at times, delivery timelines vary, and comparing banks takes effort. But the core structure works — and for overseas Pakistanis who are already sending money home, this simply channels some of it into something genuinely lasting for your family.
This article is based on publicly available information about the Roshan Apni Gari Scheme as of May 2026. Markup rates, eligibility criteria, and bank-specific terms may change. Always verify current details directly with your bank’s official Roshan Digital Account portal before applying. This article does not constitute financial advice.