Meezan Bank Apni Bike Scheme 2026 – Complete Guide

Meezan Bank has introduced its Apni Bike Scheme 2026 for people who want to buy a motorcycle on Shariah-compliant (riba-free) financing. This scheme is very helpful for salaried persons and businessmen who cannot pay the full price of a bike at once. Under this scheme, popular bikes like Honda CG 125 can be purchased with easy monthly installments.

The financing is based on Musawamah, which means Meezan Bank buys the bike and sells it to the customer at an agreed price. There is no interest (riba) involved. This makes the scheme suitable for people who want Islamic financing.

Feature	Details
Bank Name	Meezan Bank
Scheme Name	Apni Bike
Financing Type	Shariah-compliant (Musawamah)
Bike Model	Honda CG 125
Bike Price (Approx.)	PKR 238,500
Down Payment	15% – 30%
Tenure	12 to 36 months
Profit	0% (12 months), applicable for longer tenures

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Meezan Bank Apni Bike Scheme 2026 Features

The Meezan Bank Apni Bike Scheme 2026 comes with many useful features that make bike ownership easier.

The scheme is 100% Islamic and approved by a Shariah Board
Available for new motorcycles only
Flexible financing tenure up to 3 years
Option of 0% profit for 12 months
Easy monthly installment system
Automatic deduction from Meezan Bank account

This scheme is ideal for people who want a simple and transparent financing method without interest.

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Honda CG 125 Price and Installment Plan 2026

Honda CG 125 is one of the most popular bikes in Pakistan due to its strong engine and easy maintenance. In early 2026, the ex-factory price of Honda CG 125 is approximately PKR 238,500.

Below is an estimated installment plan with 30% down payment:

Down Payment: PKR 71,550
Remaining Amount: Paid in monthly installments
12 Months: Around PKR 13,900 per month (0% profit offer)
24 Months: Around PKR 8,250 per month
36 Months: Around PKR 6,100 per month

Actual installments may change due to profit rate, takaful, and bank charges.

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Eligibility Criteria for Apni Bike Scheme

To apply for the Meezan Bank Apni Bike Scheme, you must meet the following conditions:

Applicant age must be 20 to 65 years
Salaried individuals, self-employed, and businessmen can apply
Minimum monthly income:
Salaried: PKR 150,000
Businessmen: PKR 200,000
Down payment between 15% to 50%
Total installments should not exceed 40% of net income

Meeting these requirements increases the chances of approval.

Charges, Takaful, and Payment Method

Before applying, it is important to understand the additional charges involved in the scheme.

Processing fee: PKR 2,200 + FED (non-refundable)
Takaful (Islamic insurance): Approx. 5% annually
Registration charges: Paid by the customer
Payment method: Direct debit from Meezan Bank account

These charges are usually paid upfront at the time of bike delivery.

How to Apply for Meezan Bank Apni Bike Scheme

Applying for the Apni Bike Scheme 2026 is simple and easy.

Visit your nearest Meezan Bank branch
Submit CNIC, income proof, and bank documents
Choose bike model and financing tenure
Pay down payment and required charges
Sign Musawamah agreement
Get bike delivery after approval

You can also check updated details and calculator on the official Meezan Bank website:
https://www.meezanbank.com

Conclusion

Meezan Bank Apni Bike Scheme 2026 is a great option for people who want to buy a motorcycle through Islamic financing. With flexible installments, 0% profit options, and Shariah-compliant structure, the scheme offers peace of mind and affordability. Honda CG 125 remains a strong choice under this scheme due to its reliability and resale value.