Dubai Islamic Bank Fleet Financing
Part of PakFinHub's DIB coverage — Ijarah-based multi-vehicle financing for businesses.
- Ijarah Structure
- Business Fleets
- SECP-Registered Entities
Fleet Financing is DIB's Ijarah-based facility for financing multiple vehicles at once, aimed at businesses rather than individual car buyers — its charge schedule references SECP charges and enlisted registration vendors, both signals this product is built for registered companies. It sits alongside, but separate from, DIB's standard Auto Finance/Ijarah product for individual vehicle purchases.
Fleet Financing Charges
| Charge | Amount |
|---|---|
| Processing Charges | 0.1% of the limit assigned |
| Stamping Charges | As per the Provincial Tax Grid |
| Vehicle Valuation Charges | At actual / up to 7% of vehicle price |
| Late Payment Charges* | Up to 30% of the total overdue |
| Registration Service Fee** | As per the rate quoted by the enlisted registration vendor |
| ECIB Report Charges | At actual (included in processing charges) |
| Insurance/Takaful Charges | As per the rate quoted by the Insurance/Takaful Company |
| Fleet Repossession Charges | At actual / up to Rs 150,000 |
| Duplicate NOC | Up to Rs 1,000 (tax applicable) |
| SECP Charge | At actual / upto Rs 16,000 (each charge) |
| STR Registry | Upto Rs 1,040 (each registry) |
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 — the same rental-based Ijarah formula used across DIB's other vehicle and asset financing products.
* 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 – Fleet Financing section.
Dubai Islamic Bank Fleet Financing FAQs
Is Dubai Islamic Bank Fleet Financing the same as Auto Finance?
No. Fleet Financing is a separate product for businesses financing multiple vehicles, with its own charge schedule referencing SECP and enlisted registration vendors, distinct from DIB's individual Auto Finance/Ijarah product.
What does Dubai Islamic Bank charge to process a Fleet Financing application?
0.1% of the assigned financing limit, per DIB's official Schedule of Charges, July–December 2026.
Official Sources & Last Verified
Facts on this page were checked directly against DIBPL's official website, dibpak.com. Last verified: August 22, 2026. Rates, charges, and terms can change — treat dibpak.com as the source of truth.
Good For
- Businesses comparing Islamic multi-vehicle financing options
- Understanding SECP and registration-related charges before applying
- Budgeting for insurance/Takaful and repossession risk upfront
Ready to bank with Dubai Islamic Bank?
Verify current rates, offers, and terms directly with DIB Pakistan before you apply.
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