Many overseas Pakistanis dream of buying a car in Pakistan for their parents, spouse, children, or other loved ones. However, managing car purchase, financing, documents, and payments from another country can be difficult. To make this process easier, banks in Pakistan offer Roshan Apni Gari Scheme, officially known by many banks as Roshan Apni Car, for Roshan Digital Account holders.
This scheme is specially designed for Non-Resident Pakistanis who want to finance a car in Pakistan through a convenient digital process. Through Roshan Digital Account, overseas Pakistanis can apply for car financing and allow their loved ones in Pakistan to use the vehicle. State Bank of Pakistan describes Roshan Apni Car as a facility that enables NRPs to buy a car of their choice for loved ones in Pakistan at attractive rates.
What Is Roshan Apni Gari Scheme?
Roshan Apni Gari Scheme For Overseas Pakistanis is a car financing facility offered by different Pakistani banks to their Roshan Digital Account customers. The main purpose of this scheme is to help overseas Pakistanis purchase a car in Pakistan without being physically present in the country.
The scheme is available through participating banks such as HBL, Bank Alfalah, Bank AL Habib, Faysal Bank, HABIBMETRO and others. Each bank has its own terms, rates, financing limits, eligibility criteria, and document requirements.
In simple words, if you are living outside Pakistan and have a Roshan Digital Account, you may be able to apply online for car financing and nominate a family member in Pakistan to use the vehicle. HBL, for example, states that Non-Resident Pakistanis maintaining an RDA can apply with a local nominee residing in Pakistan.
Key Benefits of Roshan Apni Gari Scheme
The biggest benefit of this scheme is convenience. Overseas Pakistanis do not need to go through a lengthy manual process to arrange financing for a car in Pakistan. Most of the process is handled digitally through the bank.
Some major benefits include:
1. Digital Application Process
The applicant can usually start the process online through the bank’s website or relationship manager. Bank Alfalah describes its Roshan Apni Car facility as having a fully digital application and approval process.
2. Car for Family in Pakistan
Overseas Pakistanis can finance a vehicle for their loved ones living in Pakistan. This is helpful for people who want to support their parents, spouse, children, or siblings with safe and reliable transport.
3. Flexible Tenure
Many banks offer flexible repayment periods. For example, Bank Alfalah mentions tenures from 2 to 7 years, while HBL also mentions repayment within a 7-year time period.
4. Lien-Based and Non-Lien Financing Options
Some banks provide different financing options. In lien-based financing, the bank may mark a lien on the applicant’s RDA balance or Naya Pakistan Certificates. In non-lien or income-based financing, the bank usually checks income, employment, remittance history, and repayment capacity.
Faysal Bank mentions financing against lien on RDA deposits and Naya Pakistan Certificates, as well as financing based on remittances sent through Faysal Bank RDA accounts.
5. Conventional and Islamic Banking Options
Many banks offer conventional and Shariah-compliant car financing options. This allows customers to choose a financing structure according to their preference.
Who Can Apply For Roshan Apni Gari Scheme?
Eligibility depends on the bank, but generally, the scheme is for:
- Overseas Pakistanis / Non-Resident Pakistanis
- Roshan Digital Account holders
- Pakistan Origin Card holders, where allowed by the bank
- Applicants with valid CNIC, NICOP, POC, or Smart ID
- Applicants who meet the bank’s income, age, employment, and credit history requirements
- Applicants who nominate an eligible person in Pakistan, where required
For example, Bank Alfalah requires the applicant to be a Bank Alfalah Roshan Digital Account holder and also requires a local nominee in Pakistan.
Required Documents
Documents can vary from bank to bank, but normally you may need:
- Online application form
- CNIC, NICOP, POC, or Smart ID copy
- Recent photograph
- Nominee’s CNIC copy
- Proof of income
- Salary slip or salary certificate, if salaried
- Tax return or business proof, if self-employed
- Credit report from country of residence, where required
- Bank statement or remittance proof
- Vehicle quotation or booking details
Bank Alfalah lists documents such as an online application form, CNIC/NICOP/POC/Smart ID copy, latest photograph, nominee CNIC, and additional documents based on the selected segment.
Financing Limit and Down Payment
The financing limit depends on the bank and the selected vehicle. Some banks offer financing from a few hundred thousand rupees up to several million rupees.
For example, Bank Alfalah mentions financing amounts from PKR 200,000 to PKR 7,500,000, with minimum 15% equity for standard financing and 0% equity for lien-based financing.
HBL mentions that a maximum of PKR 10 million loan can be availed under its Roshan Apni Car facility.
Because limits and down payments can change, applicants should always check the latest terms directly from their selected bank before applying.
What Types of Cars Can Be Financed?
Vehicle eligibility also depends on the bank. Some banks finance only new locally manufactured vehicles, while others may also allow used or imported vehicles.
HBL mentions that customers can select from new locally manufactured vehicles such as Honda, Toyota, Suzuki, KIA, Hyundai, and Changan.
Bank AL Habib states that its Roshan Apni Car facility includes brand new, used, and imported vehicles, depending on its eligibility criteria.
How To Apply For Roshan Apni Gari Scheme
The application process is usually simple, but the exact steps depend on your bank.
Step 1: Open a Roshan Digital Account
First, you need a Roshan Digital Account with a participating bank. If you already have an RDA, you can check whether your bank offers Roshan Apni Car or Roshan Apni Gari financing.
Step 2: Choose Your Bank’s Car Financing Option
Visit your bank’s official website and open the Roshan Apni Car section. Compare financing limits, tenure, markup rates, Islamic or conventional options, down payment, and documentation.
Step 3: Select Vehicle and Nominee
Choose the car you want to finance and provide details of the nominee or co-borrower in Pakistan if required by the bank.
Step 4: Submit Application and Documents
Fill out the online application form and upload the required documents. The bank may contact you for verification or additional information.
Step 5: Bank Approval and Vehicle Processing
After verification and approval, the bank will process the financing. Monthly installments are usually paid through direct debit from the Roshan Digital Account. HABIBMETRO states that monthly installments are paid through direct debit instructions from the Roshan Digital Account.
Important Things To Check Before Applying
Before applying for Roshan Apni Gari Scheme, check these points carefully:
- Latest markup or rental rate
- Fixed or variable rate option
- Processing fee and documentation charges
- Insurance or Takaful cost
- Tracker requirement
- Down payment amount
- Early settlement charges
- Partial payment facility
- Delivery time of the vehicle
- Nominee or co-borrower requirements
- Whether the bank finances new, used, or imported cars
Do not apply only by looking at one feature. Compare the total cost of financing, monthly installment, and bank charges before making a decision.
Is Roshan Apni Gari Scheme Worth It?
For many overseas Pakistanis, this scheme can be a useful option because it provides a structured and bank-supported way to buy a car in Pakistan. It is especially helpful if you want to provide transport for your family while managing payments from abroad.
However, it is still a financing product, not a free car scheme. You must repay the amount according to the bank’s schedule. Markup rates, insurance, processing charges, and documentation costs should be clearly understood before signing any agreement.
Conclusion
Roshan Apni Gari Scheme For Overseas Pakistanis is a helpful car financing option for Non-Resident Pakistanis who want to buy a vehicle for their loved ones in Pakistan. With digital application, flexible tenure, local nominee options, and both conventional and Islamic financing structures, the scheme makes car ownership easier for overseas Pakistanis.
Still, every bank has different rules, pricing, limits, and documentation requirements. Before applying, compare multiple banks and use the official calculator or contact the bank’s Roshan Digital Account team for updated details.
FAQs About Roshan Apni Gari Scheme
What is Roshan Apni Gari Scheme?
Roshan Apni Gari Scheme is a car financing facility for overseas Pakistanis who have a Roshan Digital Account and want to finance a vehicle in Pakistan.
Is Roshan Apni Gari the same as Roshan Apni Car?
Yes, many people search it as Roshan Apni Gari, but most banks officially call it Roshan Apni Car.
Can overseas Pakistanis buy a car for family in Pakistan?
Yes, many participating banks allow RDA holders to finance a car for their family members or loved ones in Pakistan.
Is a Roshan Digital Account required?
Yes, generally you need a Roshan Digital Account with the bank offering the car financing facility.
Can I apply online?
Yes, most banks provide an online or digital application process for Roshan Apni Car financing.
Are Islamic financing options available?
Yes, some banks offer Shariah-compliant car financing options along with conventional financing.
Is this a free car scheme?
No. It is a car financing facility. The applicant must repay the financing amount along with applicable markup, rental, insurance, or charges according to the bank’s terms.