MCB Car4U Roshan Apni Car Scheme 2025 – Easy Car Financing for Overseas Pakistanis

Are you living abroad and wish to buy a car for your family in Pakistan? The MCB Car4U Roshan Apni Car Scheme 2025 makes it easy for overseas Pakistanis to purchase a car for their loved ones directly from abroad. With low markup rates, easy installments, and online processing, this scheme offers a complete solution through the Roshan Digital Account (RDA).

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Key Features of MCB Car4U Roshan Apni Car Scheme

The scheme is designed to make car financing simple, fast, and completely digital for Non-Resident Pakistanis (NRPs). You can manage everything online without traveling to Pakistan.

Feature	Description
Eligibility	Non-Resident Pakistanis (NRPs) with Roshan Digital Account
Markup Rates	Starting from 7% per annum
Financing Tenure	1 to 7 years
Financing Type	Lien-Based and Non-Lien-Based
Car Delivery	Priority delivery through partner dealers
Shariah Options	Islamic and Conventional financing available
Documentation	Online submission via RDA portal
Car Registration	In the name of nominee living in Pakistan

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Eligibility Criteria for the Scheme

To apply for the MCB Roshan Apni Car scheme in 2025, you must meet these simple requirements:

You must be a Non-Resident Pakistani (NRO/NRE).
You should have a Roshan Digital Account (RDA) with MCB Bank.
Age must be 21 years or above.
You need a valid CNIC/NICOP and Pakistani nationality.
Your income should be verifiable (bank statement or remittanceavailabl

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Two Financing Options: Lien-Based and Non-Lien-Based

MCB offers two flexible financing types depending on your comfort and financial situation:

1. Lien-Based Financing

This option is suitable if you have savings in your Roshan Digital Account.

The loan is approved against your fixed deposit.
No income proof is required.
Lower markup rates (around 7% per annum).
Quick approval and minimum documentation.

2. Non-Lien-Based Financing

This option is best if you don’t want to block your deposit.

Based on monthly income or remittances.
Income proof and bank statements are required.
Slightly higher markup rates.
Flexible repayment options available.

Documents Required for Application

The MCB Roshan Apni Car process is paper-light and entirely online. You only need to upload scanned copies of the following:

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

MCB Car Installment Plan 2025

MCB offers flexible installment plans for 1 to 7 years, depending on the car model and loan type.

Estimated Monthly Installments:

Range between Rs. 38,000 – Rs. 52,000 (depending on car and markup rate).

Installment Amount Depends On:

Car price and brand
Financing tenure
Down payment
Lien or non-lien option
Markup rate

💡 You can calculate your monthly payment using the MCB Car Financing Calculator available on their official website.

How to Apply for MCB Car4U Roshan Apni Car Scheme Online

Applying is very easy and 100% online. Here’s the step-by-step process:

Open a Roshan Digital Account (RDA) with MCB (if not already opened).
Log in to your RDA online portal.
Go to the “Roshan Apni Car” section.
Choose your car brand and dealership.
Select Lien-Based or Non-Lien-Based financing.
Fill out the online form and upload documents.
Submit the form — MCB will process your request and contact you for confirmation.

Benefits for Overseas Pakistanis

This scheme is specially made to help Pakistanis abroad support their families easily.

No need to visit Pakistan for the process.
No local co-borrower is needed.
All verification is digital through RDA.
Priority delivery from partner companies like Suzuki, Honda, Toyota, Hyundai, and KIA.
Car insurance and after-sales services are included in most plans.

Conclusion

The MCB Car4U Roshan Apni Car Scheme 2025 is a smart and reliable way for overseas Pakistanis to buy cars for their families in Pakistan. With low markup rates, easy repayment plans, and complete online processing, it brings comfort and convenience to NRPs who want to make a difference back home.

FAQs

Q1: Can I buy the car in my own name while living abroad?
No. The car must be registered in the name of your nominee living in Pakistan, such as a family member.

Q2: What if I don’t have a fixed deposit in my RDA?
You can still apply through the non-lien-based option by showing your income proof.

Q3: Is insurance included in the financing plan?
Yes, insurance is included and can be paid through your monthly installments.

Q4: Can I pay off the car loan early?
Yes, MCB allows early settlement with minimal or no extra charges.