🕌 NBP Aitemaad — Shariah Compliant Auto Finance

NBP Hamsafar
Auto Finance Calculator 2026

Q: What is Diminishing Musharakah?

An Islamic partnership model where you and NBP jointly buy the car and you gradually purchase the bank's share.

Estimate your monthly installments instantly. Based on Diminishing Musharakah — 100% Halal. No interest, no penalty.

KIBOR+2%Profit Rate

2–5 YrsTenure

15–50%Customer Equity

10MMax Financing

Aitemaad Hamsafar Auto Finance Calculator

Enter vehicle details below · View on NBP ↗

Vehicle Price (in PKR)

PKR

Customer's Equity (%)15%

15%50%

Tenure in Years

Customer Type

🧮

Enter vehicle price, equity %, and tenure to see your estimated monthly installment.

Expected Monthly Installment*

—

* Tentative, inclusive of Takaful cost

Vehicle Price—

Customer's Equity—

Financing Required—

Profit Rate (approx.)—

Processing FeePKR 2,000

Total Payable—

Apply at NBP Islamic Branch ↗

📌 Note: Tentative calculation inclusive of Takaful cost. Actual rental based on 6-Month KIBOR, revised every 6 months. Processing fee PKR 2,000 at application.

What is NBP Aitemaad Hamsafar Auto Finance?

A Shariah-compliant car financing product under Diminishing Musharakah (DM) — no Riba involved. You and NBP jointly purchase the vehicle; you rent the bank's share and gradually buy it out. Financing PKR 500,000 to PKR 10,000,000, tenure 2–5 years.

Eligibility Criteria

AHAF is currently available to salaried employees only.

👔 Eligible Applicants

Age: 23–55 years at case login
Minimum net monthly income: PKR 50,000
Resident Pakistani National with valid CNIC
DBR max 50% of net monthly income

Frequently Asked Questions

What is Diminishing Musharakah?

An Islamic partnership model — you and NBP jointly buy the car; you pay rent for the bank's share and gradually buy it out. No interest at any stage.

Can self-employed individuals apply?

Currently AHAF is only available to salaried individuals.

Is there a penalty for late payment?

No interest penalty — a charity amount at 24% p.a. goes to a charity fund, not bank income.

Ready to Apply for NBP Hamsafar Auto Finance?

Calculate above, then visit your nearest NBP Islamic Banking branch.

Visit NBP Islamic Banking ↗ Compare All Banks

NBP HamsafarAuto Finance Calculator 2026