What down payment do I need?

Auto financing in Pakistan typically requires a down payment (often 15–30% of the vehicle price). A larger down payment reduces your loan amount and monthly installment.

Is the markup rate fixed or variable?

Many auto loans use a variable rate linked to KIBOR plus a bank spread, so your installment can change. Enter the rate quoted by your bank for an estimate.

Does this include insurance and registration?

No. Insurance and registration are additional upfront/recurring costs. Add the processing fee field for an indicative one-off cost.

Vehicle Finance / Car Loan EMI Calculator Pakistan

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Estimate the monthly installment, total markup and total cost of financing a car or bike in Pakistan.

Last updated: 1 July 2025

Vehicle price

PKR

Down payment

PKR

Loan amount: PKR 3,000,000

Markup / profit rate

Annual markup / profit rate offered by your bank.

Tenure (years)

yrs

Processing fee (optional)

One-off fee as a % of the loan amount.

Your installment

Monthly installmentPKR 76,180

Total repaymentPKR 4,570,817

Total markup / profitPKR 1,570,817

Down paymentPKR 1,000,000

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Total cost breakdown

Principal

PKR 3,000,000

Total markup

PKR 1,570,817

Processing fee

PKR 30,000

Cost	Amount
Loan (principal)	PKR 3,000,000
Total markup	PKR 1,570,817
Processing fee	PKR 30,000
Total cost	PKR 4,600,817

How to use this calculator

1Enter the vehicle price and your planned down payment.
2Add the bank's markup/profit rate and the tenure in years.
3Optionally add a processing fee.
4See your monthly installment and total cost instantly.

Formula & how it works

This calculator uses the standard EMI formula:

EMI = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1)

P = loan amount (price − down payment)
r = annual markup ÷ 12 (monthly rate)
n = tenure in months

Vehicle Finance / Car Loan Calculator Pakistan

Planning to finance a car or bike? This Pakistan vehicle finance calculator estimates your monthly installment so you can check affordability before visiting a bank. Adjust the down payment, markup rate and tenure to see how each changes your monthly outflow and the total markup you'll pay over the life of the loan.

Buying a home instead? Try the Home Loan Calculator, or compare a Personal Loan.

Frequently asked questions

EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is the loan amount, r is the monthly markup rate, and n is the number of months. Banks add processing fees and insurance separately.

Vehicle Finance / Car Loan EMI Calculator Pakistan

Your installment

How to use this calculator

Formula & how it works

Vehicle Finance / Car Loan Calculator Pakistan

Frequently asked questions

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