ABL Roshan Apni Car Scheme 2025 – Apply Online in Pakistan

ABL Roshan Apni Car Scheme 2025 is a digital car financing solution by Allied Bank Limited (ABL) designed for Roshan Digital Account (RDA) holders. This facility enables Overseas Pakistanis to purchase a brand-new or used car for their family in Pakistan without any hassle.

The scheme offers two flexible options: Lien-Based Financing and Remittance-Based Financing, making it convenient for different types of NRPs. Whether you want zero down payment or prefer equity-based financing, ABL has you covered.

ABL Roshan Digital Account Car Financing for Overseas Pakistanis

Through this scheme, Pakistanis living abroad can apply online and finance a vehicle for their loved ones. With transparent pricing, simple documentation, and online instalment calculator, the scheme has become highly attractive in 2025.

Roshan Apni Car Eligibility Criteria (ABL RDA Holders Requirements)

To qualify for the scheme, applicants must:

• Hold an Allied Bank Roshan Digital Account.
• Be an Overseas Pakistani with valid NICOP/POC/SNIC.
• Appoint a local nominee (co-applicant) who is a resident Pakistani.

ABL Roshan Apni Car Apply Online – Step-by-Step Application Process

1. Open an RDA account with Allied Bank.
2. Visit the ABL Roshan Apni Car webpage.
3. Select your financing option (Lien-Based or Remittance-Based).
4. Fill out the digital application form.
5. Upload scanned documents of applicant and nominee.
6. Submit form online.
7. Wait for verification and approval.
8. After approval, the car booking process starts.

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Lien-Based vs Remittance-Based Financing – Which Roshan Apni Car Option Is Best?

• Lien-Based Financing → No down payment required, lien on your RDA deposits.
• Remittance-Based Financing → Equity/down payment required but higher financing limit (up to PKR 10 Million).

Your choice depends on whether you want to use your existing RDA balance as lien or finance through incoming remittances.

ABL Roshan Apni Car Installment Calculator – Estimate Monthly Payments

ABL offers an online car loan calculator. Just enter:

• Vehicle price
• Loan amount
• Down payment
• Tenure

The calculator instantly shows your monthly instalment plan so you can plan your budget easily.

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Down Payment Requirements (Brand New vs Used Car) – ABL Roshan Apni Car

• Lien-Based Financing → 0% down payment.
• Remittance-Based Financing →
  • New Cars → 15% minimum equity.
  • Used Cars → 30–40% equity depending on car value.

Pricing & Markup: SBP Floor Rate +1% and 1-Year KIBOR +1% Explained

• Lien-Based Financing → SBP floor rate +1%.
• Remittance-Based Financing → 1-Year KIBOR +1%.
  This ensures transparency and fair pricing compared to open market loans.

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Financing Tenure: 1–7 Years for New Cars, Up to 5 Years for Used Cars

• Brand New Vehicles: 1–7 years.
• Used Vehicles: 1–5 years.

This flexibility allows customers to choose instalments according to their financial comfort.

Eligible Vehicles: Locally Manufactured, CBU, and Used Cars (Non-Commercial)

The scheme covers:

• Locally manufactured cars.
• Imported (CBU) cars.
• Used vehicles (within age and valuation limits).
• Only non-commercial vehicles are eligible.

Required Documents for ABL Roshan Apni Car (Applicant & Nominee)

• Application form.
• CNIC/SNIC/NICOP/POC of applicant.
• Two passport-size photographs of applicant.
• CNIC/SNIC/NICOP/POC of nominee.
• Two passport-size photographs of nominee.
• Declaration of charges.
• Undertaking for lien/nominee.

Nominee (Co-Applicant) Rules for Roshan Apni Car – Relationship & Age Limits

• Must be a resident Pakistani.
• Eligible relatives: Spouse, father, mother, brother, sister, son, daughter.
• Minimum age: 18 years.

Repayment Method: PKR Deductions from Allied Bank Roshan Digital Account

• Instalments deducted directly from PKR RDA account.
• If account is in foreign currency, a PKR account must be opened.
• Direct Debit Authority is required.

Fees & Charges: Processing Fee, Valuation Charges, and Applicable Taxes

• Processing Fee: One-time as per ABL Schedule of Charges.
• Valuation Fee: For used cars only.
• Taxes: All applicable government taxes paid by customer.

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Used Car Financing Guidelines – ABL Roshan Apni Car Valuation & Coverage

• Financing available for used locally manufactured and imported cars.
• Age and valuation limits apply.
• Higher down payment (30–40%) required compared to new vehicles.

Registration & Insurance: Who Pays and How It Works for RDA Customers

• Registration can be in applicant’s or nominee’s name.
• If registered in applicant’s name, physical presence in Pakistan is required.
• Insurance charges are borne by the customer/nominee.

Common Mistakes to Avoid When Applying for ABL Roshan Apni Car Online

• Submitting incomplete documents.
• Not maintaining sufficient balance in RDA.
• Selecting wrong financing option.
• Ignoring valuation process for used cars.

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FAQs – ABL Roshan Apni Car Scheme 2025:

Contact & Support – ABL Roshan Apni Car Helpline and Email Addresses

• Queries: rda@abl.com
• Complaints: complaint@abl.com / cm@abl.com

Conclusion – ABL Roshan Apni Car Scheme 2025

The ABL Roshan Apni Car Scheme 2025 is a reliable car financing product for Overseas Pakistanis. With flexible repayment, no hidden charges, lien/remittance options, and a simple online process, it’s one of the best ways to purchase a vehicle for your family in Pakistan.

By offering affordability, convenience, and security, Allied Bank has made it possible for NRPs to stay connected with their loved ones through financial support back home.