Faysal Bank·KIBOR + 5.0%·Diminishing Musharakah — Pakistan's largest Islamic bank.·Rate verified: June 2026 — confirm with bank before applying
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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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Get the best rate for your loan. Our team connects you with the right bank — no commission, no fee.
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 |
|---|---|---|---|---|
| Meezan Car Ijarah islamic | 14% fixed | 3 yrs | PKR 10,000,000 net | PKR 109,969/mo |
| BankIslami Auto Musharaka islamic | 14% fixed | 3 yrs | 70% (new cars only) | PKR 109,196/mo |
| Faysal Islami islamic | 17.19–17.19% | 3 yrs | 70% (SBP general rule) | PKR 112,604/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.