MCB Roshan Apni Car Scheme December 2025

The MCB Roshan Apni Car Scheme 2025 simplifies the process of purchasing or gifting a car in Pakistan by overseas Pakistanis using their Roshan Digital Account. The MCB Roshan digital account apni car calculator will allow users to calculate their monthly payments and apply online to get them approved quickly. The Roshan Digital Account MCB apni car is a financing option for both new and used cars that is flexible and enables Pakistanis to take care of their families easily and safely in a completely digitalized process.

What Is the MCB Roshan Apni Car Scheme?

The MCB Roshan Apni Car Scheme is intended for foreign Pakistanis with a Roshan Digital Account (RDA). You can easily finance a new or a used car and gift it to your family in Pakistan through this scheme. The most beneficial thing is that you can do it all online with your RDA.

This service is directly linked with Roshan digital account MCB apni car so that it is easy to select a car, finance it, and pay it anywhere in the world.

How to Calculate Your Installments with MCB Roshan Digital Account Apni Car Calculator

• Check MCB Roshan digital account apni car calculator on the website of MCB before applying.
•  All you need to do is to key in the price of the car, the tenure, and the down payment and you will have an estimate on your monthly installments.
• It is a useful budget planning tool, and is a good idea to put money into before you make a commitment.

Key Features You Should Know

Here’s what you get with MCB apni car in 2025:

• Available for new and used locally assembled vehicles
• Financing period from 1 to 7 years
• Down payment starting from around 15%
• Insurance and delivery handled by MCB in Pakistan
• Nominee option for your family (spouse, parent, sibling, or child)

It’s built to make things easy for RDA holders, letting them manage everything remotely.

How to Apply for MCB Roshan Apni Car Scheme

Applying is simple.

• Open or log in to your MCB Roshan Digital Account.
• Go to the Roshan Apni Car / Car4U section.
• Use the calculator, fill in your details, and upload documents.
• Choose your nominee in Pakistan.
• Wait for approval and car delivery.

That’s it—your family gets the car, and you pay through your RDA.

Faq’s

Is the MCB Roshan Apni Car Scheme available for used or only new cars?

The MCB Roshan Apni Car Scheme finances both new, locally assembled vehicles and quality used cars. Used cars must generally be under six years old from the date of manufacture. This gives you the flexibility to match the right vehicle to your family’s specific needs and budget in Pakistan.

What is the major benefit of the Lien-Based versus Non-Lien financing?

The major advantage of Lien-Based financing is that the only down payment is 0% and no proof of income is needed so long as you have sufficient deposits or Naya Pakistan Certificates to secure a lien. The minimum amount of equity and evidence of steady foreign income are 15% and 15% in Non-Lien financing.

How fast is the approval process for the MCB Roshan Digital Account Apni Car loan?

The Roshan Digital account MCB apni car application is digital, which can be processed faster. The bank is committed to a fast approval process, which takes a few days of business, as long as all the required paperwork is sent online. You are given preference in delivery of cars as well.

Who can be my nominee in Pakistan to receive the MCB Apni Car?

MCB Apni Car scheme would have you nominate a local that is a close blood relative. This may be your spouse, parents, siblings or children. The car will be registered under this nominee, which makes the logistics on the ground easier in the family of your business.