๐Ÿ•Œ NBP Aitemaad โ€” Shariah Compliant Auto Finance

NBP Hamsafar
Auto Finance Calculator 2026

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

KIBOR+2%Profit Rate
2โ€“5 YrsTenure
15โ€“50%Customer Equity
10MMax Financing

Aitemaad Hamsafar Auto Finance Calculator

Enter vehicle details below  ยท  View on NBP โ†—

PKR
15%
15%50%
๐Ÿงฎ

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

Expected Monthly Installment*
โ€”
* Tentative, inclusive of Takaful cost
Vehicle Priceโ€”
Customer's Equityโ€”
Financing Requiredโ€”
Profit Rate (approx.)โ€”
Processing FeePKR 2,000
Total Payableโ€”
Apply at NBP Islamic Branch โ†—
๐Ÿ“Œ 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) โ€” 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 2โ€“5 years.

Eligibility Criteria

AHAF is currently available to salaried employees only.

๐Ÿ‘” Eligible Applicants

  • Age: 23โ€“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 โ€” 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 โ€” 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 โ†— Compare All Banks

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National Bank of Pakistan Car Installment Plan 2026

Monthly rental for popular locally assembled cars at National Bank of Pakistan's indicative rental rate of about 12.88% a year. Prices are the makers' listed ex-factory prices on 4 November 2026. Each row follows SBP rules: at least 30% down, no more than PKR 3,000,000 financed, and a maximum of 3 years for cars above 1000cc. That is why the down payment on bigger cars is more than 30%.

CarPriceDown paymentFinanced3 yrs / month5 yrs / month
Suzuki Every VXR 2,965,200 889,560 2,075,640 69,817 47,100
Suzuki Alto VXR 2,994,861 898,458 2,096,403 70,515 47,571
Suzuki Alto VXR AGS 3,166,480 949,944 2,216,536 74,556 50,297
Suzuki Alto VXL AGS 3,326,446 997,934 2,328,512 78,322 52,838
Suzuki Cultus VXR 4,089,490 1,226,847 2,862,643 96,288 64,958
Suzuki Cultus VXL AGS 4,591,460 1,591,460 3,000,000 100,909 68,075
Suzuki Swift GL 4,460,160 1,460,160 3,000,000 100,909 3 yrs max
Suzuki Swift GLX CVT 4,766,190 1,766,190 3,000,000 100,909 3 yrs max
Toyota Yaris 1.3 GLi MT 4,649,000 1,649,000 3,000,000 100,909 3 yrs max
Toyota Yaris 1.3 GLi CVT 4,809,000 1,809,000 3,000,000 100,909 3 yrs max
Honda City 1.2LS 4,737,000 1,737,000 3,000,000 100,909 3 yrs max
Honda City Aspire 1.5 6,069,000 3,069,000 3,000,000 100,909 3 yrs max
Suzuki Fronx GL 5MT 5,999,999 2,999,999 3,000,000 100,909 3 yrs max
Toyota Corolla 1.6 MT 6,099,000 3,099,000 3,000,000 100,909 3 yrs max
Toyota Corolla Altis 1.8 CVT 7,029,000 4,029,000 3,000,000 100,909 3 yrs max
Hyundai Elantra 1.6 SE 6,449,000 3,449,000 3,000,000 100,909 3 yrs max
Honda HR-V VTi-S 7,299,000 4,299,000 3,000,000 100,909 3 yrs max
Toyota Corolla Cross 1.8 7,235,000 4,235,000 3,000,000 100,909 3 yrs max
Honda Civic Oriel 8,834,000 5,834,000 3,000,000 100,909 3 yrs max

All figures in PKR. Insurance or takaful (roughly 1.5โ€“3% of the car's value a year), tracker, registration and withholding tax are extra and paid upfront or yearly. The bank's final rate depends on your profile and KIBOR on the day of approval. See the installment plan for all 24 banks or check which car your salary can finance.