By If owning a Suzuki Cultus has long been on your wishlist, 2026 might be the right time to turn that plan into reality. Through UBL’s auto financing solution, UBL Drive, customers can now purchase a brand-new Suzuki Cultus on easy monthly installments starting from approximately Rs. 50,972, depending on the variant, down payment, and financing tenure.
UBL Drive structures its financing plans based on the ex-factory prices of the vehicle. As of January 2026, the official prices of Suzuki Cultus variants are:
- Suzuki Cultus VXR (Manual): Rs. 4,089,490
- Suzuki Cultus VXL (Manual): Rs. 4,359,160
- Suzuki Cultus AGS (Auto Gear Shift): Rs. 4,591,460
These prices serve as the foundation for calculating monthly installments under the UBL Drive auto financing program.
Down Payment and Financing Tenure
Under Suzuki Cultus installments via UBL Drive, buyers can finance up to 70% of the vehicle’s value, while the remaining 30% must be paid as a minimum down payment. The financing tenure ranges from 1 to 5 years for vehicles up to 1000cc, making it flexible for different budget preferences.
The monthly installment figure of Rs. 50,972 is an indicative starting point and may vary based on:
- Selected Cultus variant (VXR, VXL, or AGS)
- Amount of down payment (above the minimum 30%)
- Chosen financing tenure
Conventional and Islamic Financing Options
UBL offers both conventional auto financing and Shariah-compliant Islamic financing through UBL Ameen Drive, catering to customers who prefer Islamic banking solutions.
Customers can also choose between fixed or floating markup rates. Floating rates are currently linked to the 1-Year KIBOR plus a spread, such as KIBOR + 4.25% for existing customers on a 1–3 year plan. However, final rates depend on UBL’s prevailing rate sheet at the time of application.
Eligibility Criteria for UBL Drive
To qualify for Suzuki Cultus financing through UBL Drive, applicants must meet the following criteria:
For Salaried Individuals
- Minimum gross monthly salary: Rs. 35,000
- Age limit: 21 to 60 years
For Self-Employed / Business Owners
- Minimum gross monthly income: Rs. 50,000
- Age limit: 21 to 70 years
All applicants must hold a valid Pakistani CNIC.
Documents Required for Application
Prospective buyers are required to submit standard documentation, including:
- Copy of CNIC
- Two recent passport-size photographs
- Latest verified salary certificate or proof of business
- 6–12 months bank statements
- NTN or tax returns (for self-employed applicants)
Interested customers can apply through the UBL Drive online portal or visit their nearest UBL branch for further assistance. With flexible plans and competitive financing, Suzuki Cultus installments via UBL Drive offer a practical route to owning one of Pakistan’s most popular hatchbacks in 2026.
Disclaimer:
Prices, installment amounts, markup rates, and eligibility criteria are subject to change and may vary based on bank policies, KIBOR fluctuations, and individual applicant profiles. The figures mentioned are indicative only. Prospective buyers are advised to confirm final terms and conditions directly with UBL or through its official channels before applying.
