Suzuki Cultus Installment Plan – Get Cultus on 5 Year Installment and Low Markup
Suzuki Cultus Installment Plan
The price of Suzuki Cultus has now crossed Rs. 4 million in Pakistan after the 2025 tax changes, making it harder for families to buy in full cash. To solve this, Suzuki Pakistan in collaboration with Meezan Bank has introduced a 5-year (60-month) Suzuki Cultus installment plan with low markup, allowing buyers to pay in easy monthly installments instead of a lump sum.
With this plan, you can book a Cultus VXR, VXL, or AGS by paying just 30% upfront and then continue with monthly installments starting from Rs. 68,188. This makes it possible to own a new car without the stress of arranging the entire amount at once, especially after the recent sales tax hike to 18% and NEV levy that increased car prices in September 2025.
Suzuki Cultus 2025 Price Update in Pakistan
After the latest tax reforms, the price of every Cultus variant has gone up. Below is the updated list:
| 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 increases directly reflect the higher sales tax and NEV levy introduced in 2025.
Also Read: Punjab Government Announces Rs 1 Million Flood Relief for Flood-Affected Families
Suzuki Cultus 5-Year Installment Plan (Meezan Bank)
With the new installment plan, buyers don’t need to arrange the full cash amount. Instead, they can book their Cultus VXR, VXL, or AGS variant by paying a 30% security deposit and then clear the rest in easy monthly installments.
Here’s the breakdown:
| Variant | Price (PKR) | Security Deposit (30%) | Processing Fee | 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 |
👉 Note: These figures are based on Meezan Bank’s 5-year installment plan. Other banks may offer slightly different monthly payments depending on markup rates.
Why Installments Are Becoming Popular in Pakistan
The demand for car financing has gone up because:
- Sales tax increased from 12.5% to 18%, raising overall car prices.
- The NEV Levy has further increased the cost of vehicles.
- Rupee depreciation and import costs have made manufacturing more expensive.
- Families prefer paying manageable monthly installments rather than a huge lump sum.
This makes installment plans the only realistic way for many households to buy a Suzuki Cultus in 2025.
Step-by-Step: How to Apply for Suzuki Cultus Installment Plan
Applying for a Cultus through an installment plan is simple:
- Visit your nearest Meezan Bank branch or a Suzuki authorized dealership.
- Provide required documents: CNIC, salary slip/income proof, bank statement.
- Pay 30% down payment + processing fee.
- Once documents are verified, Meezan Bank approves financing.
- Take delivery of your car and start paying monthly installments.
Comparison with Other Cars in the Same Segment
When comparing prices, the Suzuki Cultus is more expensive than before but still competes well in the hatchback market.
- Suzuki Alto – Cheaper option but smaller size and features.
- Suzuki Wagon R – Slightly lower price but less premium than Cultus.
- Kia Picanto – Imported rival, but resale value is weaker than Suzuki.
Despite price hikes, Cultus holds a strong resale value, making it a better long-term investment.
Benefits of Choosing Installment Plan
Buying on installments has clear advantages:
✅ Spread cost over 60 months.
✅ Shariah-compliant financing through Meezan Bank.
✅ Lower financial burden compared to lump sum payment.
✅ Families can buy higher variants like VXL or AGS without paying full upfront cash.
Pros & Cons of Buying Cultus on Installments
Pros:
- Affordable monthly installments.
- Low markup from Islamic banking.
- Resale value remains strong.
Cons:
- Total cost higher than cash purchase due to markup.
- Long-term financial commitment.
- Prices may still rise in future due to economic instability.
FAQs – Suzuki Cultus Installment Plan
Q1: What is the monthly installment of Suzuki Cultus in 2025?
👉 Between Rs. 68,188 and Rs. 76,561, depending on the variant.
Q2: How much down payment is required?
👉 Around 30% of the car price (Rs. 1.2–1.3 million).
Q3: Is Suzuki Cultus still worth buying in 2025?
👉 Yes, because of its fuel efficiency, resale value, and reliable performance.
Q4: Can I buy a Cultus without a down payment?
👉 No, banks require at least 30% security deposit.
Q5: Which bank offers the best installment plan for Suzuki Cultus?
👉 Meezan Bank is currently offering a Shariah-compliant, low markup 5-year plan.
Conclusion
Suzuki Cultus Installment Plan (September 2025) is a practical solution for families struggling with rising car prices. With monthly installments starting at Rs. 68,188, buyers can spread the cost over 5 years instead of paying everything upfront.
While higher taxes and economic instability make car ownership expensive, installment plans like this one from Meezan Bank provide a more manageable way to own one of Pakistan’s most popular hatchbacks.
