The State Bank of Pakistan has introduced the Roshan Apni Car Scheme 2026 for Overseas Pakistanis through Roshan Digital Accounts (RDA). This initiative allows Non-Resident Pakistanis (NRPs) to purchase cars in Pakistan for their family members through a simple and fully digital financing process.

The scheme is designed to support overseas Pakistanis who regularly send remittances to Pakistan and want a fast, secure, and affordable way to finance vehicles for their loved ones. Through partner banks, applicants can get quick approvals, flexible installment plans, lower markup rates, and priority car delivery.

If you are an overseas Pakistani with an active Roshan Digital Account, this is one of the easiest ways to apply online for car financing in Pakistan.

Roshan Apni Car Scheme Overview

Feature	Details
Scheme Name	Roshan Apni Car Scheme 2026
Organization	State Bank of Pakistan & Partner Banks
Target Audience	Overseas Pakistanis (RDA Holders)
Application Mode	Fully Online
Financing Type	Conventional & Islamic
Financing Limit	Up to 3 Cars
Installment Duration	2 to 7 Years
Approval Time	Within 4 Working Days
Delivery Time	Up to 50% Faster
Insurance Rate	Starting from 1.4%
Official Website	https://www.sbp.org.pk/RDA/car.html

What is Roshan Apni Car Scheme?

Roshan Apni Car is a special financing facility launched under the Roshan Digital Account program. It allows overseas Pakistanis to buy vehicles in Pakistan through participating banks without visiting branches or completing physical paperwork.

The complete process is online, making it convenient for Pakistanis living abroad.

The scheme mainly focuses on:

• Supporting overseas Pakistanis
• Encouraging remittances
• Simplifying digital banking
• Providing affordable car financing

Eligibility Criteria

Applicants must fulfill the following conditions:

Roshan Digital Account Holder

The applicant must:

• Have an active Roshan Digital Account (RDA)

Overseas Pakistani Status

Only:

• Non-Resident Pakistanis (NRPs) living abroad are eligible

Valid Documentation

Applicants should have:

• Valid CNIC or NICOP
• Overseas employment or business proof
• Income verification documents

Beneficiary in Pakistan

The financed car can be provided to:

• Family members residing in Pakistan

Key Features and Benefits

Fully Digital Process

Applicants can:

• Apply online
• Upload documents digitally
• Track application online
• Avoid branch visits and paperwork

Fast Approval

Banks may approve financing:

• Within 4 working days

This makes the process much faster compared to traditional financing systems.

Faster Car Delivery

Under the scheme:

• Vehicle delivery time may reduce by up to 50%

Priority processing is often available for locally assembled vehicles.

Low Markup Rates

The scheme offers:

• Competitive financing rates
• Lower markup than standard market rates

Islamic and Conventional Financing

Applicants can choose:

• Conventional financing
• Sharia-compliant Islamic financing

Flexible Installment Plans

Financing duration ranges from:

• 2 years
  to
• 7 years

This allows applicants to choose manageable monthly installments.

Multiple Vehicle Financing

Eligible applicants can finance:

• Up to 3 vehicles

Discounted Insurance Rates

Insurance charges may start from:

• As low as 1.4%

Financing Modes and Rates

The scheme offers multiple financing structures depending on the bank.

1. Lien-Based Floating Rate

• SBP Floor Rate + 1%

2. Non-Lien Based Floating Rate

• 6-Month KIBOR + 1%

3. Fixed Financing Rates

Partner banks may also offer:

• Fixed rates based on COD or PKRV

Markup rates may vary slightly from bank to bank.

Required Documents

Applicants should prepare:

• CNIC or NICOP copy
• Roshan Digital Account details
• Overseas employment proof
• Salary or business income proof
• Residence proof for delivery purposes

Some banks may request additional documents depending on financing type.

Step-by-Step Guide to Apply Online

Step 1: Login to Your Bank Portal

Open the online portal of the bank where your Roshan Digital Account is active.
https://www.sbp.org.pk/RDA/car.html

Step 2: Open Roshan Apni Car Section

Navigate to:

• Roshan Apni Car
  or
• RDA Services section

Step 3: Fill Online Application Form

Provide:

• Personal details
• Car model selection
• Financing plan
• Beneficiary information

Step 4: Upload Documents

Upload scanned copies of:

• CNIC/NICOP
• Income proof
• Overseas employment documents

Step 5: Submit Application

Review all information carefully and submit the application online.

Step 6: Wait for Approval

The bank may process financing:

• Within 4 working days

Step 7: Vehicle Delivery

After approval:

• The vehicle will be delivered to your family in Pakistan on priority basis

کیا آپ یونیسکو میں کام کرنا چاہتے ہیں پھر مزید تفصیل کے لیے نیچے دیئے گئے بٹن پر کلک کریں۔

Important Instructions

• Keep your Roshan Digital Account active
• Verify markup rates from your bank
• Upload clear documents
• Read financing terms carefully before approval
• Priority may be given to locally assembled vehicles
• Installment plans depend on selected bank policy

Participating Banks

Many major Pakistani banks offering Roshan Digital Accounts participate in the scheme. Applicants should check directly with their bank for:

• Available car models
• Updated markup rates
• Financing limits
• Delivery timelines

Why Overseas Pakistanis Prefer This Scheme

The Roshan Apni Car Scheme is popular because it offers:

• Convenience from abroad
• Quick digital processing
• Family support in Pakistan
• Lower financing costs
• Faster delivery system

It removes the traditional difficulties of applying for car financing while living outside Pakistan.

FAQs

1. What is Roshan Apni Car Scheme?

It is a car financing facility for overseas Pakistanis through Roshan Digital Accounts.

2. Who can apply for the scheme?

Only Non-Resident Pakistanis with active Roshan Digital Accounts can apply.

3. Is the application process online?

Yes, the complete process is digital.

4. How many cars can be financed?

Applicants can finance up to 3 cars.

5. How long does approval take?

Financing approval may take up to 4 working days.

6. Can I choose Islamic financing?

Yes, both Islamic and conventional financing options are available.

7. What is the maximum financing duration?

The repayment period ranges from 2 to 7 years.

8. Are insurance rates discounted?

Yes, insurance rates may start as low as 1.4%.

Final Words

The Roshan Apni Car Scheme 2026 is one of the best digital banking initiatives for Overseas Pakistanis. It provides a fast, secure, and affordable way to finance vehicles in Pakistan for family members through Roshan Digital Accounts.

With quick approvals, flexible installments, low markup rates, and faster delivery, this scheme is an excellent opportunity for overseas Pakistanis looking to support their families back home.

Apply online today through your Roshan Digital Account bank portal and take advantage of this modern financing facility.