UBL Drive — Installment Calculator
Estimate your monthly UBL Drive installment in PKR. Current SBP-linked rates, tenure rules. Free, no signup.
UBL Drive — Installment rates
| Provider | Effective rate | Max tenure |
|---|---|---|
| UBL Drive | 18.0% p.a. effective | up to 7 years (SBP cap) |
Reference rates, ~2026. Your actual rate depends on your profile, down payment and the bank's current offers — verify before deciding.
Worked example
Example: PKR 4,000,000 car, 30% down, financing PKR 2,800,000 at 18.0% for 5 years.
- Monthly installment: PKR 71,102
- Total markup: PKR 1,466,096
- Total payable: PKR 4,266,096
Frequently Asked Questions
What is the UBL Drive car finance rate?
UBL Drive effective auto-finance rates are around 18.0% p.a. as a 2026 reference, reflecting the SBP policy rate (~11%) plus a bank markup. Verify the current rate with the bank.
How is UBL Drive installment calculated?
Using the reducing-balance method on the financed amount. Enter the car price, down payment, rate and tenure in the calculator above.
What are the SBP rules?
The SBP caps auto-finance tenure at 7 years and sets minimum down-payment and maximum-financing limits, which differ for locally assembled vs imported vehicles.
Is this Shariah-compliant?
This is conventional financing. For a Shariah-compliant option, see Meezan Car Ijarah.