Suzuki Cultus Installment Plan (5 Years) in Pakistan
The Suzuki Cultus remains one of the most popular hatchbacks in Pakistan. However, recent tax reforms and levies have increased its price to more than Rs. 4 million, making it harder for many families to buy. To solve this issue, Suzuki Pakistan, in partnership with Meezan Bank, has launched a Suzuki Cultus Installment Plan, offering a 5-year (60-month) payment option for all Cultus variants. This plan allows buyers to pay small monthly installments instead of a full upfront payment.
Suzuki Cultus Prices in Pakistan – September 2025
The table below shows the latest Cultus prices after the new tax changes:
| Variant | Old Price (PKR) | New Price (PKR) | Increase (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 price changes reflect the higher sales tax and NEV levy introduced in 2025.
Suzuki Cultus Installment Plans 5-Year (Meezan Bank)
Below are the details of the 60-month installment plan for each Cultus variant:
| Variant | Price (PKR) | Security Deposit (30%) | 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 VXL AGS | 4,591,460 | 1,377,438 | 3,100 | 1,380,538 | 76,561 |
Note: These plans are available through Meezan Bank. Prices and monthly payments may differ if you choose other banks or financing companies.
Why Installments Are Becoming Popular
Car buyers in Pakistan are increasingly choosing installment plans because:
- Sales tax increased from 12.5% to 18%.
- The New Enhanced Value (NEV) Levy has raised vehicle costs.
- Import and production costs have grown due to currency fluctuations.
A 5-year installment plan helps reduce the monthly payment burden, even though the total cost of ownership remains high.
Industry Outlook
Industry experts warn that unless taxes and levies are reduced, car prices may continue to rise. Even with installment plans, many families may still find it difficult to buy a new car. The auto sector is also struggling due to:
- Ongoing economic instability.
- High inflation affects purchasing power.
- Fluctuating currency exchange rates that impact import costs.
Conclusion
The Suzuki Cultus 5-Year Installment Plan (September 2025) is a great option for people who cannot pay the full price at once. With monthly payments starting from Rs. 68,188, buyers can now spread their cost over 60 months. However, with rising taxes and economic pressures, owning a new vehicle may still be challenging for many families.
