MCB Car4U Roshan Apni Car Scheme 2025 – Interest Rates, Installments & How to Apply Online

Oct 16, 2025

MCB Car4U Roshan Apni Car Scheme

Looking to gift your family a car back home while living abroad? Or just planning to finance a car in a smart and Shariah-compliant way? The MCB Car4U Roshan Apni Car Scheme 2025 might be just what you’re looking for.

Specially designed for Non-Resident Pakistanis (NRPs) through Roshan Digital Account (RDA), this scheme lets overseas Pakistanis buy a car for their loved ones in Pakistan — and MCB takes care of everything from financing to hassle-free delivery.

Let’s go through the eligibility, markup rates, installment plans, and most importantly — how to apply online without needing to fly back to Pakistan!

What is the MCB Car4U Roshan Apni Car Scheme?

It’s a car financing scheme for Overseas Pakistanis who have a Roshan Digital Account (RDA). Through this, NRPs can finance a brand-new car for their family members in Pakistan while enjoying preferential interest rates, priority delivery, and minimal documentation.

It’s all about ease and convenience — for both the sender and the receiver.

Key Features at a Glance

Attractive markup rates (starting from as low as 7% per annum*)
Fast-track car delivery – priority allocation by partner automakers
Flexible payment plans – from 1 to 7 years
Both lien-based & non-lien-based options available
Islamic & Conventional financing options
Co-borrower not required in most cases
Minimal documentation – all online through RDA

Eligibility Criteria for Roshan Apni Car (2025)

To apply, you must meet the following:

Must be a Non-Resident Pakistani (NRO / NRE)
Have a valid Roshan Digital Account with MCB
Income should be verifiable (through remittance, bank statements, etc.)
Must be 21 years or older
Valid CNIC/NICOP and Pakistani nationality

Two Types of Financing: Lien-Based vs. Non-Lien-Based

MCB offers two options, depending on your financial comfort level and deposit in RDA.

Lien-Based Eligibility

You maintain a fixed deposit in your RDA (PKR/USD)
The car loan is approved against that deposit
Lower markup rates (starting from ~7%)
Faster processing, no income proof required
Minimal risk for bank = quicker disbursement

Non-Lien-Based Eligibility

Based on your regular income / remittances
Requires proof of income, bank statements, etc.
Slightly higher markup rates
Ideal if you don’t want to lock in a deposit

Required Documents – Minimum Hassle!

For both types of financing, MCB keeps the paperwork light:

CNIC/NICOP copy (of applicant and nominee)
Valid passport (for NRPs)
Roshan Digital Account details
Salary slip / bank statement (non-lien applicants)
Car quotation or invoice from authorized dealer

MCB Car Installment Plan 2025 – At a Glance

Installment amounts vary based on:

Car model and price
Down payment
Financing tenure (1 to 7 years)
Lien or non-lien option
Interest rate applied
Monthly installment (approx.): Rs. 38,000 – Rs. 52,000
(This may vary depending on markup rate and model)

Use MCB’s Car Financing Calculator (available on their website) to get accurate numbers.

MCB Car4U Roshan Apni Car Scheme Calculator

To avoid guesswork, MCB provides a dedicated online calculator where you can:

Enter car price
Choose loan tenure
Select markup rate type
Compare lien vs. non-lien options

How to Apply for MCB Car4U Roshan Apni Car Scheme Online

Here’s how you can apply from anywhere in the world — without visiting any branch:

Open a Roshan Digital Account (RDA) with MCB (if you haven’t already)
Log in to your RDA online portal
Navigate to ‘Roshan Apni Car’ under services
Choose your car model, manufacturer, and dealership
Select Lien-Based or Non-Lien-Based financing
Fill out the application and upload required documents
Submit the form — MCB will take it from there!

Important Things to Remember

Interest rates may vary depending on SBP policies
Car delivery is usually priority-based but depends on manufacturer timelines
You can choose between Islamic or Conventional financing
The vehicle will be registered in the name of the nominee (family member in Pakistan)
No need to visit Pakistan for the entire process

Special Convenience for Overseas Pakistanis

No physical presence required
No local co-borrower needed
RDA-based verification (fully digital)
Choice of cars from Suzuki, Honda, Toyota, Hyundai, KIA, MG, and others
After-sales service assistance available via partner dealers

FAQs

Q: Can I buy the car in my own name while living abroad?
No. The car must be registered under a nominee (usually a family member) residing in Pakistan.

Q: What if I don’t have a fixed deposit?
You can still apply under the non-lien-based category if your income is verifiable.

Q: Is insurance included?
Yes, insurance is usually part of the plan and may be bundled into the installment.

Q: Do I need to send money manually?
No. Installments are auto-debited from your RDA or linked remittance account.

Q: Can I repay early?
Yes, early settlement options are available with minimal or no penalty.

Conclusion

The MCB Car4U Roshan Apni Car Scheme 2025 is a great initiative for NRPs who want to give back to their families — without the stress of handling paperwork or bank visits. With flexible options, fast delivery, and a digital-first process, it brings real peace of mind