Dubai Islamic Bank Auto Leasing
Part of PakFinHub's DIB coverage — a separate Ijarah leasing product from standard Auto Finance.
- Ijarah Structure
- Distinct from Auto Finance
Auto Leasing is a separate DIB product from Auto Finance (Ijarah) — the two appear as distinct sections with different charge structures in DIB's own Schedule of Charges. Where Auto Finance is aimed at individual buyers financing a specific car, Auto Leasing carries tracker-management fees and application-login charges more typical of a running lease arrangement.
Auto Leasing Charges
| Charge | Amount |
|---|---|
| Processing Charges | Upto 10% of the value of the financed vehicle |
| Application Login Charges | Upto Rs 1,000 |
| Vehicle Valuation Charges | At actual / upto Rs 10,000 |
| Upfront Tracker Management Fee | Upto Rs 20,000 |
| Monthly Tracker Management Fee | Upto Rs 7,000 |
| Monthly Tracker Fee After Maturity/Settlement | Upto Rs 2,000/month |
| Cheque Return Charges | Upto Rs 1,000 |
| Cash Pick-up Charges | Rs 2,000 |
| Cheque Pick-up Charges | Rs 1,000 |
| Late Payment Charge* | Upto 20% of the monthly rent overdue |
| Insurance/Takaful Charges | As per the rate quoted by the Insurance/Takaful Company |
| Vehicle Repossession Charges | At actual / upto Rs 150,000 |
| Registration Service Fee** | Upto Rs 20,000 |
| Tax Certificate Issuance Charges | Rs 1,000 |
| Document Retrieval Charges | Rs 1,000 |
| Income Estimation Charges | At actual / upto Rs 10,000 |
On early settlement, the purchase price is calculated as the outstanding fixed rental, plus accrued and unpaid variable rental, plus accrued and unpaid supplementary rental (if any), plus a sum equal to a maximum of 20% of the outstanding fixed rental.
* Late payment charges are transferred to DIB's Charity Fund, per the customer's undertaking. ** Over and above charges imposed by the Excise & Taxation department for vehicle registration. Source: DIB Schedule of Charges, July–December 2026, Consumer Finance – Auto Leasing section.
Dubai Islamic Bank Auto Leasing FAQs
Is Dubai Islamic Bank Auto Leasing the same as Auto Finance?
No. They're listed as two separate products with different charge schedules in DIB's official Schedule of Charges — Auto Leasing includes upfront and monthly tracker management fees and an application login charge that Auto Finance does not.
What does Dubai Islamic Bank charge to process an Auto Leasing application?
Up to 10% of the value of the financed vehicle, per DIB's official Schedule of Charges, July–December 2026.
Good For
- Understanding how Auto Leasing differs in cost structure from standard Auto Finance
- Budgeting for upfront and ongoing tracker management fees
- Comparing Auto Leasing to DIB's Auto Finance/Ijarah before choosing
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The Real Upfront Cost of Leasing vs Financing
The headline processing charge on Auto Leasing — up to 10% of the vehicle's value — is itself already a meaningful chunk of the vehicle's price before you factor in the Upfront Tracker Management Fee (up to Rs 20,000) and Application Login Charges. Add those together and Auto Leasing's day-one cash outlay is structurally higher than a comparable Auto Finance application, which doesn't carry tracker-management fees at all. That difference makes sense once you see what the tracker fees are for: leasing arrangements are built around DIB (or the leasing structure) retaining tighter ongoing oversight of the vehicle, which Auto Finance customers financing their own purchase don't need in the same way.
In practical terms, if you're comparing the two products purely on affordability, run the total of processing charge + upfront tracker fee + application login charge against Auto Finance's equivalent upfront costs before deciding — the monthly tracker fee (up to Rs 7,000) that continues for the life of the lease is also worth weighing against your monthly budget, since it's an ongoing cost Auto Finance customers simply don't have.
Official Sources & Last Verified
Facts on this page were checked directly against DIBPL's official website, dibpak.com. Last verified: October 31, 2026. Rates, charges, and terms can change — treat dibpak.com as the source of truth. Every DIB fee table is collected on the Schedule of Charges page. For the Islamic contract behind this product, see DIB products and Islamic contracts explained.
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For independent verification, see State Bank of Pakistan, SECP.