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Roshan Apni Car

Families of Overseas Pakistanis can get cars at cheaper rates under Roshan Apni Car Scheme.

‘Roshan Apni Car’ scheme facilitates non-resident Pakistanis (NRPs) with Roshan Digital Accounts to purchase cars at a lower price. The cars will be available at lower financing rates (7%) for overseas Pakistanis whose families are willing to buy cars in the country through conventional and Islamic banks.


Don’t just dream, get a dream car for your loved ones in Pakistan. State Bank of Pakistan (SBP) now offers a flexible and hassle-free financing facility that enable your loved ones to drive their dream car. Non Resident Pakistanis (NRPs) residing across the world maintaining Roshan Digital Account (RDA) with any approved bank can apply for car loan facility. Roshan Digital Account holders can apply with a local nominee residing in Pakistan.


  • Subsidized financing rates

  • Maximum PKR 10 million loan can be availed

  •  Pay within a 7-year time period

  •  Multiple partial payment options available

  •  Our extensive product range means you have lots of models and cars to choose from

  •  Priority delivery of selected Kia models

  •  Dedicated support available

  •  Dedicated after sales service

  •  Secured insurance at all times for peace of mind (with & without tracker facility)

  •  Special low insurance rates from renowned insurance companies


  • The RDA holder must have a resident Pakistani spouse as co-borrower

  • They must hold a Permanent Resident Card, nationality for non-Gulf Countries, or Resident Card for Gulf Countries

  • The borrower must have a clear credit history

  • The minimum age of the applicant should be 25 years

  • The maximum age at maturity of financing should be 60 years for salaried, and 65 years for self-employed professionals

  • Regular salaried individuals must have a minimum of 2 years’ experience under their current employer

  • Contractual salaried individual must have a minimum of 3 years experience

  • Self-employed professionals must have a minimum of 3 years of experience in a similar profession or professional setup

  • A minimum down payment of 15 to 45% is required depending on the type of vehicle

  • The minimum experience and minimum down payment shall not be applicable for lien based financing

  • The vehicle will be registered in the name of the borrower or spouse as co-borrower

  • The monthly instalments will be paid from the Roshan Digital PKR Account


Non-resident Pakistanis planning to avail the Roshan Apni Car scheme must provide the following documents.

  • A valid copy of CNIC/SNIC/NICOP

  • A valid copy of Passport and visa

  • A valid copy for residency card or work permit

  • Recent passport size photographs of both borrower and co-borrower

  • Valid CNIC copies of two references

  • Credit report from country of stay 


  • Latest 3 months’ salary slips

  • Latest employment certificate with the date of joining

  • Last six months’ bank statement where salary is being credited

  • Name of employer’s HR representative with their designation, phone number, email address, and postal address


  • Copy of professional degrees and/or certificates

  • Valid license or proof of professional setup

  • Registration certificate from respective authority or association

  • Last six months’ bank statement

Credit reports from the countries of stay and income-related documents shall not be mandatory for the lien based financing facility.

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