Honda Motorcycle Installment Plan 2025: Prices, Down Payments & Monthly Rates

Owning a Honda motorcycle in Pakistan has become easier than ever with flexible installment plans offered by major banks across the country. Whether you’re eyeing the reliable CD 70 for daily commute or the powerful CB 150F for weekend rides, the Atlas Honda installment plan 2025 makes your dream bike affordable with monthly payments starting from just Rs. 13,000.

Atlas Honda, Pakistan’s largest motorcycle manufacturer, has partnered with leading banks including Bank Alfalah, MCB, United Bank Limited (UBL), Meezan Bank, and Standard Chartered to offer convenient financing options. These plans come with attractive features like 0% markup for up to 6 months, low processing fees, and flexible payment tenures ranging from 3 to 36 months.

The best part? You don’t need to pay the full amount upfront. With a reasonable down payment starting at just 15% of the bike’s price, you can ride home on your new Honda immediately. The installment schemes are available on all popular models including CD 70, CG 125, CB 125F, CB 150F, Pridor, and CG 150, making it accessible for buyers across different budget ranges.

This comprehensive guide breaks down everything you need to know about Honda bike financing in Pakistan, including current prices, bank-specific offers, down payment requirements, monthly installment calculations, documentation needed, and step-by-step application process. Whether you’re a student, salaried person, or self-employed, you’ll find financing options that fit your budget.

Atlas Honda Bikes Price List 2025

Current Market Prices in Pakistan

As of October 2025, Atlas Honda bike prices have been updated following the federal government’s introduction of a 1% NEV (New Energy Vehicle) Levy on imported motorcycle engines. Here are the current ex-showroom prices across Pakistan:

Honda CD 70: Rs. 159,900

• The most popular commuter bike in Pakistan
• Perfect for daily use and fuel economy
• Available in multiple color variants

Honda CD 70 Dream: Rs. 165,900

• Enhanced version with modern styling
• Better graphics and improved comfort
• Ideal for style-conscious riders

Honda Pridor: Rs. 182,900

• Self-start feature for easy operation
• Comfortable for longer rides
• Good balance of power and economy

Honda CG 125: Rs. 238,900

• Pakistan’s iconic 125cc motorcycle
• Renowned for durability and performance
• Strong resale value in the market

Honda CG 125 Special Edition: Rs. 242,900

• Premium graphics and finishing
• Enhanced features over standard model
• Limited availability

Honda CB 125F: Rs. 289,900

• Modern sports styling
• Fuel injection technology
• Popular among young riders

Honda CG 150: Rs. 324,900

• Powerful 150cc engine
• Retro design with modern features
• Comfortable for city and highway riding

Honda CB 150F: Rs. 499,900

• Premium sports bike segment
• Advanced features and technology
• Best for adventure seekers

These prices are inclusive of 18% sales tax and the 1% NEV Levy. Actual on-road prices will vary slightly by city depending on registration charges and local taxes.

Bank Installment Plans for Honda Motorcycles

Bank Alfalah SBS (Step-by-Step) Installment Plan

Bank Alfalah offers one of the most popular Honda bike financing schemes through their SBS program. The key features include:

Tenure Options: 3 to 36 months flexible payment terms

Markup Structure:

• 0% markup for 3 months (interest-free)
• 0% markup for 6 months on select models
• Low markup of 2.5% on extended tenures (12-36 months)

Processing Fee: 2.5% of bike price or Rs. 500 (whichever is higher)

Eligibility: Valid Bank Alfalah credit card holder

Additional Benefits:

• Free delivery at nearest dealership nationwide
• No hidden charges
• Quick approval process

Monthly Installment Example (Honda CG 125 at Rs. 238,900):

• 6 months: Rs. 39,817 per month (0% markup)
• 12 months: Rs. 20,480 per month (with markup)
• 24 months: Rs. 10,700 per month (with markup)

MCB Bank Installment Scheme

Muslim Commercial Bank (MCB) provides flexible financing options specifically designed for Honda motorcycle buyers:

Key Features:

• Installment duration: 3 to 36 months
• 0% markup for initial 6 months
• Available on all MCB credit cards
• Applicable in all cities across Pakistan

Required Down Payment: Typically 15-20% of bike value

Processing: Quick approval, usually within 24-48 hours

Monthly Payment Example (Honda CD 70 at Rs. 159,900):

• With 20% down payment (Rs. 31,980)
• Amount financed: Rs. 127,920
• 6 months: Rs. 21,320 per month (0% markup)
• 12 months: Rs. 11,600 per month (with nominal charges)

United Bank Limited (UBL) Motorcycle Financing

UBL offers competitive rates for Honda bike purchases with these features:

Tenure: 12 to 36 months

Down Payment Requirement: 15% minimum

Interest Rate: Varies based on tenure (competitive market rates)

Special Offers:

• Promotional 0% markup campaigns during festivals
• Special rates for Platinum and Gold credit card holders
• Insurance coverage options available

Processing Fee: 2% of financed amount

Meezan Bank Islamic Financing (Ijarah)

For buyers seeking Shariah-compliant financing, Meezan Bank provides Islamic installment plans:

Product Type: Ijarah (Islamic leasing)

Key Features:

• Fully compliant with Islamic banking principles
• No interest-based markup
• Transparent profit structure
• Bike insured under Islamic insurance (Takaful)

Tenure Options: 1 to 3 years

Down Payment: 15% minimum

Monthly Rental Example (Honda CG 125):

• 12 months: Approximately Rs. 20,500 per month
• 24 months: Approximately Rs. 11,200 per month
• 36 months: Approximately Rs. 8,100 per month

Eligibility:

• Pakistani national aged 21-60 years
• Minimum monthly income: 3x the rental amount
• Valid CNIC and employment proof

Standard Chartered Bank 0% Markup Offer

Standard Chartered runs promotional campaigns offering attractive financing:

Special Promotion (Limited Time):

• 0% markup installment plans
• Available on select Honda models
• Monthly installments from Rs. 13,000

Eligibility:

• Standard Chartered credit card holders
• Minimum credit limit requirements apply
• Good credit history preferred

Tenure: 6 to 24 months depending on bike model

Silk Bank Easy Installment Plan

Silk Bank provides accessible financing with straightforward terms:

Features:

• Flexible payment schedules
• Competitive markup rates
• Fast approval process
• Minimal documentation

Tenure: 3 to 36 months

Processing Time: 2-3 working days

Down Payment Requirements and Calculations

Standard Down Payment Structure

The typical down payment for Honda bikes in Pakistan ranges from 15% to 30% of the motorcycle’s ex-showroom price, depending on the bank and your credit profile.

Minimum Down Payment (15%):

Honda CD 70 (Rs. 159,900)

• Down payment: Rs. 23,985
• Amount to finance: Rs. 135,915

Honda CG 125 (Rs. 238,900)

• Down payment: Rs. 35,835
• Amount to finance: Rs. 203,065

Honda CB 150F (Rs. 499,900)

• Down payment: Rs. 74,985
• Amount to finance: Rs. 424,915

Recommended Down Payment (20-25%): Making a higher down payment reduces your monthly burden and may qualify you for better terms. Here’s the 20% calculation:

Honda Pridor (Rs. 182,900)

• Down payment (20%): Rs. 36,580
• Amount to finance: Rs. 146,320
• Estimated monthly (12 months): Rs. 12,750

Honda CG 150 (Rs. 324,900)

• Down payment (20%): Rs. 64,980
• Amount to finance: Rs. 259,920
• Estimated monthly (12 months): Rs. 22,600

Additional Upfront Costs

Beyond the down payment, budget for these additional expenses:

Registration Charges: Rs. 3,000 – Rs. 8,000 (varies by city and engine capacity)

Number Plate Fee: Rs. 1,200 – Rs. 2,500

Processing Fee: 2.5% of bike price or Rs. 500 minimum

Documentation Charges: Rs. 500 – Rs. 1,500

Insurance (Optional but Recommended): Rs. 8,000 – Rs. 15,000 annually

Example Total Cost (Honda CG 125):

• Bike price: Rs. 238,900
• Down payment (15%): Rs. 35,835
• Registration: Rs. 5,000
• Processing fee: Rs. 5,973
• Total upfront: Rs. 46,808

Monthly Installment Calculations

Understanding Payment Structure

Your monthly installment depends on three main factors: the financed amount, the markup percentage, and the loan tenure. Here’s how it works for different scenarios:

Zero Markup Plans (0% for 6 Months)

Honda CD 70 (Rs. 159,900):

• Down payment (20%): Rs. 31,980
• Amount financed: Rs. 127,920
• Monthly payment: Rs. 21,320 (for 6 months)
• Total paid: Rs. 159,900 (no extra cost)

Honda CG 125 (Rs. 238,900):

• Down payment (15%): Rs. 35,835
• Amount financed: Rs. 203,065
• Processing fee: Rs. 5,077
• Total to finance: Rs. 208,142
• Monthly payment: Rs. 34,690 (for 6 months)

12-Month Installment Plans (With Markup)

Most banks charge approximately 15-20% markup on 12-month plans:

Honda Pridor (Rs. 182,900):

• Down payment (20%): Rs. 36,580
• Amount financed: Rs. 146,320
• With 18% markup: Rs. 172,658
• Monthly payment: Rs. 14,388

Honda CB 125F (Rs. 289,900):

• Down payment (15%): Rs. 43,485
• Amount financed: Rs. 246,415
• With 18% markup: Rs. 290,770
• Monthly payment: Rs. 24,231

24-Month Installment Plans

Honda CG 125 (Rs. 238,900):

• Down payment (20%): Rs. 47,780
• Amount financed: Rs. 191,120
• With 25% total markup: Rs. 238,900
• Monthly payment: Rs. 9,954

Honda CG 150 (Rs. 324,900):

• Down payment (20%): Rs. 64,980
• Amount financed: Rs. 259,920
• With 25% total markup: Rs. 324,900
• Monthly payment: Rs. 13,538

36-Month Installment Plans

Honda CB 150F (Rs. 499,900):

• Down payment (20%): Rs. 99,980
• Amount financed: Rs. 399,920
• With 30% total markup: Rs. 519,896
• Monthly payment: Rs. 14,441

These calculations are approximate and actual rates vary by bank, your credit score, and current promotional offers.

Eligibility Criteria and Required Documents

Basic Eligibility Requirements

To apply for a Honda motorcycle installment plan in Pakistan, you must meet these criteria:

Age: Between 21 to 60 years

Nationality: Pakistani citizen with valid CNIC

Income Requirement:

• Minimum monthly income should be at least 3 times the monthly installment
• For Rs. 15,000 monthly payment, minimum income: Rs. 45,000

Credit History:

• No defaults on previous loans
• Clean banking record
• Active credit card (for credit card-based schemes)

Employment Status:

• Salaried employees: 1 year job stability preferred
• Self-employed: 2 years business operation
• Government employees: Preferred category with easy approval

Required Documentation

Prepare these documents for your installment application:

Personal Documents:

1. Original CNIC and photocopy (both sides)
2. Two recent passport-sized photographs
3. Utility bill (electricity or gas, not older than 3 months)
4. Bank account statement (last 6 months)

Income Proof:

For Salaried Individuals:

• Latest salary slip (last 3 months)
• Employment letter or job confirmation
• Office ID card copy

For Self-Employed/Business Owners:

• Business registration documents
• Tax returns (if available)
• Bank statements showing regular income
• Shop/business address proof

Additional Documents:

• Active credit card (for card-based schemes)
• Two references with contact details and CNIC copies
• Post-dated cheques (for some banks)
• Guarantor documents (if required by bank)

Credit Score Considerations

While not mandatory for all banks, a good credit score significantly improves your chances of approval and can get you better terms:

Excellent (750+): Best rates, fastest approval, highest loan amounts

Good (650-749): Standard rates, smooth approval process

Fair (550-649): May require higher down payment or guarantor

Below 550: Limited options, may need co-signer or substantial down payment

Check your credit score through the Credit Information Bureau (CIB) before applying.

Step-by-Step Application Process

Method 1: Apply Through Atlas Honda Dealership

This is the most convenient method for first-time buyers:

Step 1: Visit Your Nearest Authorized Dealer

• Locate an Atlas Honda dealership in your city
• Test ride your preferred model
• Get complete price information

Step 2: Choose Your Bank

• Dealer will present available bank options
• Compare markup rates and tenures
• Select the plan that fits your budget

Step 3: Submit Documents

• Provide all required documents
• Fill out the bank’s application form
• Submit post-dated cheques (if required)

Step 4: Initial Payment

• Pay down payment amount
• Pay processing fee
• Pay registration charges

Step 5: Wait for Approval

• Banks typically respond within 24-72 hours
• May require additional verification calls
• Approval notification sent via SMS/email

Step 6: Collection

• Sign the agreement at dealership
• Receive bike delivery
• Get registration and number plates

Timeline: Complete process takes 3-7 working days

Method 2: Apply Through Your Bank

If you already have a relationship with a bank, apply directly:

Step 1: Contact Your Bank

• Visit branch or call customer service
• Inquire about Honda bike financing
• Check if you pre-qualify

Step 2: Get Pre-Approval

• Submit documents to bank
• Bank issues approval letter
• Valid for specific amount and period

Step 3: Visit Honda Dealership

• Choose your bike model
• Present bank’s approval letter
• Finalize bike specifications and color

Step 4: Complete Purchase

• Dealer coordinates with bank
• Final documentation signed
• Bike delivered after verification

Timeline: 2-5 working days

Method 3: Credit Card Installment Plan

For existing credit card holders, this is the fastest option:

Step 1: Check Credit Limit

• Ensure your card has sufficient limit
• For Rs. 250,000 bike, you need at least Rs. 250,000 limit

Step 2: Visit Dealership

• Select your Honda model
• Inform dealer you’ll pay via credit card installment

Step 3: Make Payment

• Swipe credit card for full bike amount
• Transaction processed immediately

Step 4: Convert to Installments

• Call bank within 48 hours
• Request conversion to installment plan
• Select tenure (3, 6, 12, or 24 months)

Step 5: Confirmation

• Bank sends SMS confirmation
• Monthly installments start next billing cycle
• Collect bike immediately

Timeline: Same day to 24 hours

Popular Honda Models and Their Installment Options

Honda CD 70: The People’s Choice

The Honda CD 70 remains Pakistan’s most popular motorcycle for good reason. With a price of Rs. 159,900, it’s the most affordable Atlas Honda bike and perfectly suited for daily commuting.

Best Installment Option:

• Bank: MCB or Bank Alfalah
• Plan: 6 months 0% markup
• Down payment (20%): Rs. 31,980
• Monthly payment: Rs. 21,320
• Total cost: Rs. 159,900 (no markup)

Why Choose CD 70:

• Exceptional fuel average: 60-65 km/liter
• Low maintenance costs
• Reliable 72cc engine
• Easy to handle in traffic
• Strong resale value

Ideal For: Students, daily wage workers, small business deliveries

Honda CG 125: The Classic Performer

The legendary Honda CG 125 at Rs. 238,900 is Pakistan’s most trusted 125cc motorcycle with decades of proven reliability.

Best Installment Option:

• Bank: Meezan Bank (Islamic financing)
• Plan: 24 months Ijarah
• Down payment (15%): Rs. 35,835
• Monthly rental: Rs. 9,500 (approximately)
• Total cost: Rs. 263,835

Why Choose CG 125:

• Powerful 125cc OHV engine
• Comfortable for long rides
• Excellent build quality
• Easy spare parts availability
• Best resale value in its class

Ideal For: Office commuters, touring enthusiasts, families

Honda CB 125F: Modern Style Meets Performance

The Honda CB 125F brings contemporary styling and fuel injection technology at Rs. 289,900.

Best Installment Option:

• Bank: Bank Alfalah
• Plan: 12 months with 2.5% markup
• Down payment (20%): Rs. 57,980
• Monthly payment: Rs. 20,500 (approximately)
• Total cost: Rs. 289,900 + markup

Why Choose CB 125F:

• Modern digital meter
• Fuel injection for better efficiency
• Sporty design appeal
• 125cc power with style
• Comfortable seating

Ideal For: Young professionals, college students, style-conscious riders

Honda CB 150F: The Ultimate Thrill

For performance enthusiasts, the Honda CB 150F at Rs. 499,900 delivers premium features and exciting riding experience.

Best Installment Option:

• Bank: Standard Chartered
• Plan: 24 months
• Down payment (25%): Rs. 124,975
• Monthly payment: Rs. 17,500 (approximately with markup)
• Total cost: Rs. 544,975

Why Choose CB 150F:

• Powerful 150cc engine
• Advanced braking system
• Premium build quality
• Best in class features
• Excellent highway performance

Ideal For: Adventure seekers, long-distance riders, bike enthusiasts

Honda Pridor: Self-Start Convenience

The Honda Pridor at Rs. 182,900 offers the convenience of self-start in an affordable package.

Best Installment Option:

• Bank: UBL
• Plan: 12 months
• Down payment (15%): Rs. 27,435
• Monthly payment: Rs. 14,000 (approximately)
• Total cost: Rs. 195,435

Why Choose Pridor:

• Electric start feature
• Comfortable riding position
• Good fuel economy
• Reliable performance
• Easy maintenance

Ideal For: Ladies, senior citizens, comfort-seeking riders

Tips for Getting the Best Installment Deal

Compare Multiple Bank Offers

Don’t settle for the first offer you receive. Visit 2-3 banks to compare:

Key Comparison Points:

• Total markup percentage
• Processing fees
• Down payment requirements
• Flexibility in payment dates
• Early settlement penalties
• Insurance requirements

Create a simple comparison table to evaluate which bank offers the best overall deal. Sometimes a bank with slightly higher markup but lower processing fees works out cheaper.

Time Your Purchase Right

The best time to buy a Honda bike on installment:

Ramadan and Eid: Banks offer special 0% markup campaigns

Pakistan Day (March 23): Promotional financing deals

Independence Day (August 14): Patriotic discounts and offers

Year-End (December): Banks clear targets with attractive schemes

New Model Launches: Previous model year gets better financing

Mark these dates on your calendar and inquire about special offers a week before.

Improve Your Credit Profile

Take these steps 2-3 months before applying:

Pay All Bills on Time:

• Clear credit card dues in full
• Pay utility bills before due date
• No loan defaults

Reduce Existing Debt:

• Pay off small loans
• Lower credit card balances
• Avoid new credit applications

Maintain Bank Balance:

• Keep healthy account balance
• Show regular income deposits
• Avoid bounced cheques

Get Salary Account:

• Transfer salary to bank where you’re applying
• Shows financial stability
• May qualify for preferential rates

Negotiate the Down Payment

While banks set minimum requirements, you can negotiate:

Higher Down Payment Benefits:

• Lower monthly installments
• Reduced total markup
• Faster approval
• Better terms

Lower Down Payment Strategy:

• If you have excellent credit
• If you’re a long-standing customer
• During special promotional periods
• With guarantor support

Find the sweet spot that keeps your monthly payment comfortable while minimizing total cost.

Read the Fine Print

Before signing any agreement, clarify:

Early Settlement:

• Can you pay off early?
• Are there penalties?
• How is rebate calculated?

Late Payment:

• What are late payment charges?
• How many days grace period?
• Impact on credit score

Insurance:

• Is bike insurance mandatory?
• Can you choose your insurer?
• What coverage is included?

Hidden Charges:

• Documentation fees
• SMS alert charges
• Annual card fees (if applicable)
• Verification charges

Ask for a written breakdown of all costs before committing.

Consider Islamic Financing

If you prefer Shariah-compliant options, Meezan Bank’s Ijarah offers several advantages:

Benefits:

• No interest-based system
• Transparent profit structure
• Automatic Takaful insurance
• Peace of mind for religious concerns

How It Works:

• Bank purchases bike and leases to you
• Monthly rental payments
• Ownership transfers after final payment
• Fully compliant with Islamic principles

The total cost is usually comparable to conventional financing but provides Shariah compliance.

Common Mistakes to Avoid

Focusing Only on Monthly Payment

Many buyers make the mistake of looking only at the monthly installment amount. A Rs. 10,000 monthly payment over 36 months costs much more than Rs. 15,000 over 12 months.

Always Calculate Total Cost:

• Down payment + all monthly payments + fees = true cost
• Compare this across different banks and tenures
• Choose shortest tenure you can afford

Ignoring Processing Fees

A 2.5% processing fee on a Rs. 250,000 bike is Rs. 6,250. This adds to your upfront cost.

Negotiate Processing Fees:

• Some banks waive fees during promotions
• Long-standing customers may get discounts
• Multiple product customers get preferential rates

Missing Payment Deadlines

Late payments result in:

• Heavy penalty charges (Rs. 500-1,000 per day)
• Negative impact on credit score
• Difficulty getting future loans
• Possible legal action

Set Up Reminders:

• Phone calendar alerts
• Bank SMS reminders
• Auto-debit from salary account

Not Reading the Agreement

Many buyers sign without fully understanding terms. This leads to surprises later.

Must Understand:

• Total amount payable
• Markup calculation method
• Early settlement terms
• Default consequences
• Bank’s recourse in non-payment

Take the agreement home, read carefully, and ask questions before signing.

Overextending Your Budget

The general rule: Your monthly installment should not exceed 30% of your monthly income.

Example:

• Monthly income: Rs. 50,000
• Maximum safe installment: Rs. 15,000
• Leaves Rs. 35,000 for other expenses

Be realistic about your ability to pay. Defaulting affects your financial future.

Frequently Asked Questions

Can I get a Honda bike on installment without a credit card?

Yes, several options exist for non-credit card holders. Meezan Bank and UBL offer conventional loan-based installments that don’t require credit cards. You’ll need salary proof, CNIC, and a guarantor in most cases.

What if I want to pay off my installment early?

Most banks allow early settlement with rebate calculation. Bank Alfalah and MCB typically offer proportionate markup reduction on remaining tenure. Check your agreement for specific early settlement terms.

Is bike insurance mandatory for installment plans?

Insurance requirements vary by bank. Meezan Bank’s Islamic financing includes automatic Takaful insurance. Other banks may recommend but not mandate insurance. However, getting comprehensive insurance is wise to protect your investment.

Can I transfer my installment plan to another person?

Generally, installment agreements are not transferable. If you want to sell your bike before completing payments, you must first settle the outstanding amount with the bank, then sell the bike.

What happens if I miss an installment payment?

Missing payments results in penalty charges (typically Rs. 500-1,000 per day), negative credit reporting, and potential legal action. Banks may repossess the bike after multiple defaults. Always communicate with your bank if facing payment difficulties.

Which bank offers the lowest markup rate?

As of October 2025, Bank Alfalah’s 0% markup for 6 months is the best offer for short-term financing. For longer tenures, Meezan Bank’s Islamic financing often works out competitive. Compare current offers from multiple banks as promotional rates change frequently.

Can overseas Pakistanis apply for bike installment plans?

Some banks like UBL and MCB have special schemes for overseas Pakistanis. You’ll need to provide proof of foreign income, valid passport, NICOP, and a local guarantor. Processing may take longer than standard applications.

Conclusion

The Honda motorcycle installment plan 2025 in Pakistan makes bike ownership accessible to millions of Pakistanis through flexible financing options offered by major banks. Whether you’re purchasing the budget-friendly CD 70 at Rs. 159,900 or the premium CB 150F at Rs. 499,900, you can find installment schemes with monthly payments starting from Rs. 13,000 and attractive features like 0% markup for up to 6 months.

Atlas Honda’s partnerships with Bank Alfalah, MCB, UBL, Meezan Bank, and Standard Chartered provide diverse options including Islamic financing, credit card installments, and conventional loans with tenures from 3 to 36 months.

By comparing offers, negotiating down payments (typically 15-20%), preparing proper documentation, and timing your purchase during promotional periods, you can secure the best deal on your dream Honda motorcycle while keeping monthly payments within your budget and building a strong credit history for future financial needs.