Owning a motorcycle in Pakistan has become more accessible with the Apni Bike Scheme 2025, introduced by Meezan Bank. This scheme allows individuals to lease Honda motorcycles on easy monthly installments with zero markup, making it an attractive option for those looking for an affordable and Shariah-compliant financing solution.
اپنی بائیک اسکیم 2025 کے تحت پاکستان میں موٹرسائیکل خریدنا مزید آسان ہوگیا ہے۔ میزان بینک کی جانب سے متعارف کرائی گئی اس اسکیم کے ذریعے افراد ہونڈا موٹرسائیکل کو بغیر سود کے آسان ماہانہ اقساط پر حاصل کرسکتے ہیں۔ یہ ایک شریعت کے مطابق فنانسنگ حل ہے جو سستی اور باسہولت خریداری کے خواہشمند افراد کے لیے بہترین موقع فراہم کرتا ہے۔
If you’re considering getting a Honda bike through installment plans, this article provides all the essential details, including eligibility criteria, payment structure, and the application process.
What is the Apni Bike Scheme 2025?
The Apni Bike Scheme is an Islamic financing option offered by Meezan Bank under Ijarah (leasing), a Shariah-compliant model. The scheme enables customers to acquire a Honda motorcycle through affordable monthly installments, with ownership transferred immediately after signing the delivery order.
Key Features of the Scheme
- Zero Markup Financing – No additional interest or hidden charges.
- Flexible Installments – Tenure options ranging from 12 to 36 months.
- Low Down Payment – Starts from 15% of the bike’s total price.
- Islamic Insurance (Takaful) – Ensures full coverage during the installment period.
- Direct Debit Payments – Monthly installments are deducted automatically from the applicant’s bank account.
Eligibility Criteria Apni Bike Scheme 2025
To qualify for this scheme, applicants must meet the following requirements:
- Nationality: Pakistani citizen.
- Age Limit: Between 20 to 65 years.
- Minimum Monthly Income: PKR 25,000.
- Down Payment: At least 15% of the bike’s price.
- Employment Status:
- Salaried Individuals: Must be working in a recognized organization with proof of income.
- Business Owners/Freelancers: Must provide income proof and bank statements.
- Bank Account: Must have an active account in any Pakistani bank (preferably Meezan Bank).
Available Honda Models and Pricing
Meezan Bank offers financing for various Honda motorcycles under this scheme. Below are some of the most popular models and their estimated installment plans.
| Model | Market Price (PKR) | Monthly Installment (PKR) – 24 Months | Monthly Installment (PKR) – 36 Months |
|---|---|---|---|
| Honda CD 70 | 157,900 | 7,775 | 5,225 |
| Honda CG 125 | 234,900 | 11,560 | 7,770 |
| Honda CB 125F | 390,900 | 18,980 | 12,750 |
| Honda CB 150F | 493,900 | 23,950 | 16,110 |
Note: Prices may vary slightly based on Meezan Bank’s latest updates and additional processing fees.
Breakdown of Payment Structure
Example: Honda CD 70 Installment Plan
For a Honda CD 70 priced at PKR 157,900, here’s how the payment structure works:
- Down Payment (15%) = PKR 23,685
- Processing Fee (Non-Refundable) = PKR 10,000
- Takaful (Islamic Insurance) = PKR 2,500 – 3,000 (Estimated)
- Installment Amount (24 Months) = PKR 7,775 per month
- Installment Amount (36 Months) = PKR 5,225 per month
The total cost of the bike remains almost the same as the original price due to zero markup financing.
How to Apply for the Apni Bike Scheme 2025?
Step 1: Gather Required Documents
Prepare attested copies of the following:
- CNIC (National Identity Card)
- Domicile Certificate
- Recent Passport-Sized Photographs (02 copies)
- Salary Slips (for salaried individuals) / Business Proof (for self-employed)
- Bank Statements (Last 6 Months)
Step 2: Get the Application Form
The application form can be obtained through:
- Meezan Bank Branches – Visit the nearest branch to collect the form.
- Meezan Bank Official Website – Download the form online from www.meezanbank.com.
Step 3: Submit the Application
- Fill in the application form with accurate details.
- Attach all necessary documents.
- Submit the completed application to the nearest Meezan Bank branch.
Step 4: Approval & Delivery
- Meezan Bank will review your application and verify the provided details.
- Once approved, you will be required to pay the down payment and processing fee.
- After completing all formalities, you will receive the bike and the ownership will be transferred in your name immediately.
Final Thoughts
The Apni Bike Scheme 2025 by Meezan Bank provides an excellent opportunity to own a Honda motorcycle through zero markup installments. With flexible payment options and Islamic financing principles, this initiative makes it easier for individuals to commute affordably and conveniently.
If you meet the eligibility criteria, don’t miss out on this Shariah-compliant and hassle-free financing option. Visit your nearest Meezan Bank branch today or apply online to get started!
For further information, visit www.meezanbank.com or contact their customer support.
Frequently Asked Questions (FAQs)
1. Can I apply if I don’t have a bank account in Meezan Bank?
Yes, but you must have an account in any Pakistani bank for direct debit installment deductions.
2. What happens if I miss an installment?
Late payments may result in additional penalties, as per the bank’s policy. It is advised to maintain sufficient funds in your account before the due date.
3. Can I choose a different installment tenure?
Yes, you can select from 12, 24, or 36 months, depending on your financial capability.
4. Is this scheme available all over Pakistan?
Yes, the Apni Bike Scheme is available nationwide.
5. Can I apply for more than one bike?
No, each applicant can apply for only one bike under this scheme.
