1Y KIBOR: 12.16% | SBP Policy: 11.5% | Effective: 30 Aug 2026

HBL 5-Year Car Loan Calculator

The HBL 5-year (60-month) plan offers the lowest monthly installment for passenger cars under State Bank of Pakistan regulations. Calculate your exact monthly installment below:

HBL 5-Year Car Finance Calculator

Adjust vehicle price and down payment for an HBL 60-month loan:

Vehicle On-Road Price (PKR)

PKR 3,000,000(30 Lakh)

PKR 8 Lakh (e.g. Alto)PKR 1 Crore+ (e.g. Civic / Fortuner)

Down Payment / Customer Equity

35%(PKR 1,050,000)

30% (SBP PR Minimum)80% Equity

Financing Tenure (Duration)5 Years (60 Months)

1 Year (12 Mo)5 Years (60 Mo - SBP Cap)

Pricing Structure

Annual Fixed Markup14.5% p.a.

Include Mandatory Insurance (1.8%), GPS Tracker & FED

Monthly Auto Loan EMI14.5% p.a.

PKR 45,880

For 60 monthly installments

Vehicle On-Road Price:PKR 3,000,000

Down Payment (35%):PKR 1,050,000

Financed Loan Principal:PKR 1,950,000

Total Markup Paid:PKR 802,809

Total Loan Installments:PKR 2,752,809

Processing Fee (PKR 12K + 16% FED):PKR 13,920

Comprehensive Insurance (5 Yrs):PKR 175,500

GPS Tracker Installation:PKR 18,000

True Total Ownership Cost:PKR 4,010,229

Check My Salary Eligibility (DBR) →Compare HBL vs Meezan vs Alfalah →

HBL Auto Loan Amortization Schedule

Complete month-by-month and yearly principal vs. markup distribution

Monthly EMI

PKR 45,880

Principal Loan

PKR 1,950,000

Total Interest

PKR 802,809

Total Payable

PKR 2,752,809

Year	Payment	Principal	Interest	Ending Balance
Yr 1	550,560	286,345	264,216	1,663,653
Yr 2	550,560	330,739	219,822	1,332,912
Yr 3	550,560	382,018	168,544	950,895
Yr 4	550,560	441,245	109,318	509,652
Yr 5	550,560	509,651	40,910	0

All figures in PKR. Rotate your phone or view on a larger screen for the full breakdown (balance & cumulative interest columns).

* Based on reducing balance amortization method in compliance with SBP PR-CF.Exported schedules suitable for financial audit & tax filing records.

HBL 60-Month Auto Loan EMI Schedule & Lowest Monthly Budget

An HBL 5-year plan keeps your monthly installment at its most affordable level (PKR 46,910 / month on PKR 2,000,000 loan @ 14.50%), making it easier to qualify within your monthly salary and SBP 40% Debt Burden Ratio (DBR) limits.

Frequently Asked Questions (PAA Answers)

Is 5 years the maximum car loan tenure at HBL?

Yes, under State Bank PR-CF rules, 5 years (60 months) is the maximum allowed financing duration for conventional petrol and diesel cars at HBL. Electric vehicles can be financed for up to 7 years.

What is the monthly installment on an HBL 5-year car loan?

On a PKR 2,000,000 car loan at 14.50% markup, your monthly installment for 5 years is approximately PKR 46,910 per month.