Suzuki Cultus 5 Year Installment Plan
Suzuki Cultus 5 Year Installment Plan: The rising cost of cars in Pakistan has made it difficult for families to purchase vehicles with full cash payments. After the recent tax reforms in 2025, the price of Suzuki Cultus has crossed Rs. 4 million, which is out of reach for many middle-income households. To make car ownership easier, Suzuki Pakistan, in partnership with Meezan Bank, has introduced a 5-year installment plan for the Cultus. This plan allows buyers to pay in easy monthly installments instead of arranging the entire amount upfront.
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With this scheme, a customer can book a Suzuki Cultus VXR, VXL, or AGS variant by paying a 30% down payment, while the remaining balance is spread over 60 months. The monthly installments start from Rs. 68,188, making it possible for families to afford a new car despite increasing taxes and levies.
Also Read: How to Receive New Installment 13500 From Kafalat Program
Updated Suzuki Cultus 2025 Price in Pakistan
Due to the sales tax hike to 18% and the introduction of the NEV levy, the prices of all Cultus variants have increased in September 2025. Below is the official price update:
| Variant | Old Price (PKR) | New Price (PKR) | Difference (PKR) |
|---|---|---|---|
| Cultus VXR | 4,049,000 | 4,089,490 | 40,490 |
| Cultus VXL | 4,316,000 | 4,359,160 | 43,160 |
| Cultus AGS | 4,546,000 | 4,591,460 | 45,460 |
These changes reflect the impact of new government taxes and the rising cost of production.
Also Read: Procedure To Check Eligibility In Kafalat Program
Suzuki Cultus 5-Year Installment Plan
Meezan Bank has designed a Shariah-compliant financing plan that allows buyers to spread the cost of the Cultus over 60 months. Instead of paying the full amount, customers only need to make a 30% down payment along with a small processing fee.
- Down payment requirement: Around 30% of the car’s price
- Processing fee: Rs. 3,100 (one-time)
- Monthly installments: From Rs. 68,188 to Rs. 76,561 depending on the variant
Here is the breakdown of the plan:
| Variant | Price (PKR) | 30% Down Payment (PKR) | Processing Fee (PKR) | Total Upfront (PKR) | Monthly Installment (PKR) |
|---|---|---|---|---|---|
| Cultus VXR | 4,089,490 | 1,226,847 | 3,100 | 1,229,947 | 68,188 |
| Cultus VXL | 4,359,160 | 1,307,748 | 3,100 | 1,310,848 | 72,648 |
| Cultus AGS | 4,591,460 | 1,377,438 | 3,100 | 1,380,538 | 76,561 |
This plan ensures affordability without the need for arranging the entire payment upfront.
Why Installments Are Becoming Essential
The trend of car financing is growing in Pakistan because of the constant rise in vehicle prices. For many households, installment plans are the only practical option left. Some reasons include:
- Sales tax increased from 12.5% to 18% in 2025
- NEV levy added to the cost of all new vehicles
- Import duties and rupee depreciation pushing production costs higher
- Families preferring manageable monthly installments instead of full payment
This financing approach helps buyers manage their budget more effectively while still being able to own a reliable car like Suzuki Cultus.
Also Read: Ineligible People Now Can Get Payment After NSER Survey BISP Office
How to Apply for Suzuki Cultus Installment Plan
The process of applying for the 5-year Cultus installment plan is simple and straightforward. Both Suzuki dealerships and Meezan Bank branches are facilitating this scheme.
Steps to apply:
- Visit the nearest Meezan Bank branch or Suzuki dealership
- Submit required documents:
- CNIC copy
- Salary slip or income proof
- Latest bank statement
- Pay 30% down payment plus the processing fee
- Wait for verification and bank approval
- Take delivery of your car and start monthly installments
This makes the plan accessible to both salaried and self-employed individuals across Pakistan.
Comparison with Other Hatchbacks
While the price of Cultus has increased, it still remains competitive within the hatchback market. Other cars in the same segment include Suzuki Alto, Wagon R, and Kia Picanto.
- Suzuki Alto – More affordable, but smaller and with fewer features.
- Suzuki Wagon R – Cheaper than Cultus but less stylish and premium.
- Kia Picanto – Imported competitor, but lower resale value compared to Suzuki.
Due to its resale strength, Cultus remains a popular choice despite higher upfront and installment costs.
Also Read: Procedure To Complete Registration in Roshan Gharana Program 2025
Pros and Cons of Buying Cultus on Installments
Like any financing plan, buying on installments has its advantages and disadvantages.
Pros:
- Cost spread over 60 months
- Shariah-compliant financing from Meezan Bank
- Easier to buy higher trims like VXL or AGS
- Less financial burden compared to full payment
Cons:
- Total cost becomes higher due to markup
- Long-term financial commitment
- Car prices may rise further in the future
Final Thoughts
The Suzuki Cultus 5-year installment plan introduced in September 2025 is a practical option for families who cannot arrange the full cash payment at once. With monthly installments starting at Rs. 68,188, buyers can secure a reliable hatchback without exhausting their savings.
Although taxes and economic challenges continue to raise vehicle prices, financing through Meezan Bank provides a structured and manageable way to own a new Cultus. For families seeking a balance of affordability, comfort, and resale value, this installment plan is currently one of the best options available in Pakistan.
Also Read: BISP 13500 2025 Payment 13500 Distribution Start Through Campsites
FAQs
What is the price of Suzuki Cultus 2025 in Pakistan?
The price starts from Rs. 4,089,490 for VXR and goes up to Rs. 4,591,460 for the AGS variant.
How much down payment is required for the installment plan?
Buyers need to pay around 30% of the car’s price as the initial down payment.
What is the monthly installment for Suzuki Cultus VXR?
The monthly installment for the Cultus VXR is Rs. 68,188 over 60 months.
Which bank is offering the Cultus installment plan?
Meezan Bank is offering a Shariah-compliant 5-year financing plan for Suzuki Cultus.
What documents are needed to apply for the installment plan?
Applicants need a CNIC copy, salary slip or income proof, and latest bank statement.