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Car Loan Calculator — Pakistan
Compare EMI across HBL, Meezan, UBL and more — conventional or Islamic financing — with SBP tenure rules applied automatically.
📋 Loan details
30% of vehicle price (SBP minimum: 30%)
ℹSBP rule: max tenure 3 years for vehicles above 1000cc.
✓ Your estimate
Monthly installment
PKR 107,644 /mo
Loan amountPKR 3,150,000
Total markup / interestPKR 725,192
Total payablePKR 3,875,192
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Your estimated EMI: PKR 107,644/mo
Amortization schedule
Year-by-year breakdown of principal vs. interest, and your remaining balance.
| Year | Payment | Principal | Interest | Remaining balance |
|---|---|---|---|---|
| 1 | PKR 1,291,731 | PKR 907,793 | PKR 383,938 | PKR 2,242,207 |
| 2 | PKR 1,291,731 | PKR 1,043,261 | PKR 248,469 | PKR 1,198,946 |
| 3 | PKR 1,291,731 | PKR 1,198,946 | PKR 92,785 | PKR 0 |
Compare bank rates
| Bank | Rate | Max tenure | Max financing | Est. monthly |
|---|---|---|---|---|
| Bank AL Habib Apni Car conventional | 14.69–15.69% | 3 yrs | 70% of vehicle value | PKR 109,489/mo |
| Bank Alfalah Auto conventional | 15.69–16.69% | 3 yrs | PKR 3,000,000 cap (SBP) | PKR 111,040/mo |
| Meezan Car Ijarah islamic | 14% fixed | 3 yrs | PKR 10,000,000 net | PKR 109,969/mo |
| HBL Car Loan conventional | 15.69–17.19% | 3 yrs | 70% or PKR 10M (lower) | PKR 111,430/mo |
| BankIslami Auto Musharaka islamic | 14% fixed | 3 yrs | 70% (new cars only) | PKR 109,196/mo |
| UBL Drive conventional | 15.19–17.19% | 3 yrs | 70% | PKR 111,040/mo |
| MCB Car4U conventional | 15.69–18.19% | 3 yrs | PKR 3M (SBP cap) | PKR 112,212/mo |
| Faysal Islami islamic | 17.19–17.19% | 3 yrs | 70% (SBP general rule) | PKR 112,604/mo |
| JS Bank Car Finance conventional | 16% fixed | 3 yrs | PKR 3M (SBP cap) | PKR 113,092/mo |
🕒 Each bank's rate independently verified and dated. Total markup = 1-year KIBOR (12.19%, SBP) + that bank's own spread, where applicable. Always confirm your exact offer with the bank directly.
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SBData: State Bank of Pakistan · Verified June 2026