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Roshan Apni Gari 2026: Eligibility, Documents, and Benefits Explained.
Roshan apni Gari scheme is another great way to take care of your children and your family’s comfort. If you want to gift a New Car to your family member or your friends in Pakistan. And you are living abroad then you can make it possible by this Roshan Apna Ghar scheme.
If you can get a massive discount so why will you pay high intrest rates? Everyone who want to buy a Car in Pakistan but they live in out of country. It is the smartest way to buy it on Zero processing fees and lower than market rates.
What is Roshan apni Gari Scheme?
If you are a non resident Pakistani, Roshan apni Gari scheme is a great opportunity to buy a car in Pakistan for your family or friends on lower interest rates. The top best manufacturers like Toyota, Honda and Suzuki offering delivery in Pakistan for this scheme.
Key Features:
Roshan apni Gari scheme is a cost effective way to own your own car in Pakistan or if you want to gift it to your friends or family. Here are some key features of this scheme that explained below:
1: Financial advantage
- Lowest markup rate for Lien based and non Lien based.
- Zero down payment for Lien based
- Low down payment for non lien based
- In this scheme No hidden charges will be charged.
2: Flexible operation:
- Different options to get multiple vehicles
- Choose car type like buy brand new local manufactured cars or used cars or Imported cars
- Flexible payment periods like 1 to 7 years
3: Value added benefits
- Life and health cover
- Discounted insurance
- Select Nominee
4: Fully digital system
- Everything in the scheme is designed on digital basis like from application submission to approval, no physical visit will be needed.
- Rapid Approval
- Automatic payments
Key Benefits
- Lower interest rate then standard bank car loans
- No need to wait for month or years. Because manufacturers like Toyota, Honda, Suzuki offer fast delivery for this scheme.
- Fully digital process like book your car from abroad.
- Buy a car on your own name and later you can deliver it to your spouse our family name.
Two ways to get your car
In this Roshan apni Gari scheme they are two ways to buy your own Car one is Lien based and other is Non-Lien based.
Lien Based
Lien based is a cheaper and faster way to buy your car in lowest possible interest rate. If you invest in Naya Pakistan certificates or you put your money in Roshan digital account then you can buy your car in cheap and faster way through this process.
And in this process you can get your car on 0% down payment. They will not ask you to show your monthly income proof also.
Non Lien Based
Non Lien based is basically an income based process and if you want to buy a car through non Lien based process the bank will see your monthly business income or your monthly salary in abroad. And their main requirement is you have to pay the 15 to 20% down payment on your buying.
Who can apply for Roshn apni Gari Scheme?
If you want to apply for Roshan apni Gari scheme you must be not a resident of Pakistan. Only Overseas Pakistani can apply for Roshan apni Gari scheme.
First of all, you have to open Roshan digital account and keep it active. A lot of Pakistani banks allows you to open your Roshan digital account like MCB, HBL, Mizan Bank, Alfalah.
This Roshan apni Gari scheme allows you an option to add a Co-applicant who will take the delivery of your car.
Documents you will need to Apply for this scheme
In this Roshan apni gadi Sacheme everything has become digital now and you can upload just copies of the following:
- Your original picture
- If you are getting it on Non lien based then show the monthly income proof
- If you want to deliver a car to your nominee then submit the CNIC of your Nominee
- Picture of your NICOP, Passport or CNIC.
How to apply?
- You have to create your RDA and login it through your RDA portal are mobile app
- Click on the option of Roshan apni cars scheme or choose the Auto finance option.
- Choose your car type like if you want to buy on non lien based or Lien based.
- Upload the following document that I have explained Above and Submit the application to complete the process.
- Then wait for few days to check your approval status whether it is approved or not.
Click Here to apply for Roshan Apni Gari scheme
Conclusion:
I have described the whole process to get your Roshan apni Gari scheme in this blog post. But one tip I want to give you that if you have some savings in your RDA account and you want to withdraw it than choose buy a Car on Lien Based option. Because you can get it on Lowest interest rate.
