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Important Note for Customers

Aitemaad Hamsafar Auto Finance
Aitemaad Hamsafar Auto Finance - English Information Brochure
Aitemaad Hamsafar Auto Finance - Urdu Information Brochure

Shariah Compliant Structure

Aitemaad Hamsafar Auto Finance is structured on the basis of Shariah compliant mode 'Diminishing Musharakah (DM)'.

Diminish mean 'Reduce' and Musharakah mean 'Partnership'
Diminishing Musharakah (DM) is that form of partnership wherein Customer and Bank contributes their fund for purchasing the vehicle(s). After taking possession of purchased vehicle(s), Customer pays rental and simultaneously purchases the share of Bank gradually through Installment Payments until Customer becomes 100% owner of the purchased vehicle(s).
Basic Eligibility Criteria

Nature of Vehicle

  1. New Vehicle (Unregistered locally manufactured/assembled)
  2. New Imported Vehicle (Unregistered)*

(*) unregistered imported vehicle should not be more than 4 years old from the date of import. 

Financing Tenure

 2, 3, 4 & 5 Years

Financing Limit

Upto PKR 10 million (Maximum)

Age of Customer

23 Year (Minimum) to 55 Year (Maximum) at the time of case login


Resident Pakistani having valid CNIC

Net Monthly Income

PKR 50,000/- (Minimum)

e-CIB / Data Check

Latest clear e-CIB and data check of the applicant

Customer’s Share as Equity

15% (Minimum) to 50% (Maximum)

Debt Burden Ratio (DBR)

50% of Net Monthly Income (Maximum)

Target Market

  1. NBP Staff members
  2. Government Institutions & Armed Forces Employees
  3. Other salaried individuals working in Well Reputed & Known Companies

Length of occupation

NBP Staff

  1. Permanent

Six (06) Months with NBP or Sixteen (16) Months overall  experience

  1. Contractual

Six (06) Months with NBP or Two (02) Year overall experience

Other Government Institutions, Armed Forces & Individuals working in Well reputed and known Companies - Salaried Segment

  1. Permanent

Twelve (12) Months over all experience

  1. Contractual

Twelve (12) Months with Current Employer or Eighteen (18) Months over all experience

Note: AHAF facility can be offered maximum up to the remaining period of Service in the same organization.

Application Form
Documents Required
  • Application Form duly filled and signed by the Customer
  • Copy of valid CNIC of Customer
  • Copy of letter of appointment
  • Copy of renewal of contract (if any)
  • Copy of latest Salary Slip/ Certificate not to be more than one (01) month old at the time of case login
  • Two (02) recent Passport size colored Photos
  • Copy of three (03) months paid utility bills
  • Copy of recently paid credit card bill (if any)
  • Copy of valid Driving License
  • Original last six (06) months Bank Statement wherein Income is being credited.
  • Undertaking by the Customer about existing exposure from the “Entire Banking Sector” i.e. CF-1.
  • NOC of settled loan with other banks (if it’s still reflecting in eCIB)
  • Direct Debit Authority
  • Customer will submit six (06) PDCs of installment amount for first six (06) months period and for subsequent period; Customer will submit PDCs at the time of every rental revision.
  • Additional documentation required from NBP Employees:
  • Liability Statement
  • Verification of Educational Documents- PMW, HRM & Administration Group
  • Non Involvement Certificate – IDW, Human Resource Management Group

   Note: Additional documents may be required by the Bank.


Schedule of Charges (SOCs)

Following charges/fees will be updated in NBP Aitemaad - Schedule of Charges (SOC) from time to time:


Processing Fee (non –refundable) of each login case

PKR 2,000/-*


Documentation Charges

at Actual


Valuation Charges for imported vehicle(s)

at Actual


Repossession Charges

at Actual


Cheque Dishonored / Return Charges

   PKR 250/-

(*) The Processing Fee is waived till December 31, 2017


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