The Roshan Apni Car Scheme has officially been launched for overseas Pakistani car buyers.
The initiative has been introduced by the State Bank of Pakistan in collaboration with various banks.
Overseas Pakistanis who have Roshan Digital Accounts can apply for this scheme.
Under the scheme, applicants can complete the entire process online without any paperwork or visiting offices. The digital system ensures both transparency and speed.
The State Bank said loan approvals will be processed swiftly, with decisions expected within four days. Vehicle delivery time is also expected to be 50 per cent faster compared to conventional methods.
Under the floating rate, the interest rate changes according to market conditions. If applicants use funds in their Roshan Digital Account or Naya Pakistan Certificates as collateral, financing will be provided at just one percent above the State Bank’s base rate. Without collateral, the rate will be one percent above the six-month KIBOR.
Under the fixed rate option, the interest rate remains unchanged throughout the loan tenure. Banks determine this rate based on administrative costs or Pakistan revaluation factors, and once set, it stays constant for the entire period.
According to data released by the Pakistan Automotive Manufacturers Association (PAMA), there was a substantial rise in the sales of all two-three-and-four wheelers, while the sales of farm tractors continued to decrease as usual for several months.
Car sales in Pakistan (excluding LCVs, Vans, and Jeeps) increased by 45 per cent to 109,655 units in July-March FY26, as compared to the 75,397 units sold in the same period the previous year.
