Car installment · Changan
Changan Karvaan installment per month for every variant, from Pakistani banks — with the State Bank’s limits already applied.
Entry plan (Power Comfort): Rs 78,086 a month for 36 months with 30% down, through Bank Alfalah at 16.54%.
Entry installment
Rs 78,086/mo
30% down · 36 months · Bank Alfalah
Installment calculator
Pick a variant, bank, tenure and down payment. Figures update instantly from each bank’s published rate.
1Variant
2Bank
3Tenure
Up to 3 years for this carSBP limits cars above 1000cc to 3 years.
4Down payment
30% · Rs 944,700Changan Karvaan Power Comfort · 3 years · 30% down (or each bank’s minimum)
| Bank | Rate | Monthly | Upfront | Total markup / profit | |
|---|---|---|---|---|---|
 Car Ijarah | 14.75%fixed | Rs 83,329 | Rs 948,500 | Rs 795,544 | |
 Auto LoanLowest | 16.54%variable | Rs 78,086 | Rs 944,700 | Rs 606,796 | Selected |
 UBL DriveLowest | 16.54%variable | Rs 78,086 | Rs 944,700 | Rs 606,796 | |
 Apni CarLowest | 16.54%variable | Rs 78,086 | Rs 944,700 | Rs 606,796 |
Meezan’s rental already includes takaful and tracker; conventional banks charge insurance separately at their panel rates.
By variant
Lowest verified plan for each variant at its minimum down payment and longest tenure.
| Variant | Ex-factory price | Minimum down | Longest tenure | Monthly at min. down |
|---|---|---|---|---|
| Power Comfort | Rs 3,149,000 | 30%Rs 944,700 | 3 years | Rs 78,086Bank Alfalah · 36 mo · 30% down |
| Power Plus | Rs 3,349,000 | 30%Rs 1,004,700 | 3 years | Rs 83,045Bank Alfalah · 36 mo · 30% down |
Before you apply
Most a bank can lend
Rs 3,000,000
Per person, across all banks combined — State Bank of Pakistan rule.
Minimum down on the Karvaan
30%
The SBP minimum — the price is within the lending limit.
Longest tenure
3 years
SBP caps cars above 1000cc at 3 years (Meezan offers 5 on local EVs).
Income you’ll need
Rs 196,000+
Loan payments must stay under 40% of take-home pay.
Buyer’s guide
The entry Changan Karvaan — the Changan Karvaan Power Comfort — costs Rs 78,086 a month with Bank Alfalah: 30% down (Rs 944,700) and 36 months at 16.54%. The Changan Karvaan Power Plus works out to Rs 83,045 a month. Figures use each bank’s published rate on 2 October 2026 and the ex-factory price.
Every Changan Karvaan variant costs less than Rs 4,285,714, so the State Bank’s 30% minimum down payment keeps financing under the Rs 3,000,000 per-person limit. You can put down more to cut the installment and the total markup.
The Changan Karvaan is above 1000cc, so the State Bank caps car financing at 3 years. Ads that show five- or seven-year Karvaan plans are out of date.
Over 3 years on the Changan Karvaan Power Comfort, Meezan Car Ijarah comes to Rs 83,329 a month at a fixed 14.75% — and that rental already includes takaful and the tracker. Bank Alfalah Auto Loan is Rs 78,086 at 16.54% variable, before insurance, which you pay separately. A variable rate moves with KIBOR every year; Meezan’s does not.
Besides the down payment, budget for the bank’s processing fee, comprehensive insurance (included in Meezan’s rental), and registration — token tax, withholding tax and number plates. See the full Changan Karvaan on-road price by province, and the monthly running cost for fuel and maintenance.
FAQ
1-year KIBOR 12.54% (1 October 2026). Figures are indicative — the bank confirms the final rate, insurance and fees in its key fact statement. Prices are ex-factory; banks finance the invoice price, which may include freight. Bank names and logos belong to their owners and are shown only to identify each bank; Watan Motors is not affiliated with any bank.