The new option is available through Alfa Mall, an e-commerce platform operated by Bank Alfalah. Customers can choose flexible payment plans ranging from 3 to 36 months, with instalments starting from Rs10,825 per month.
Shorter tenures come with zero interest, while longer plans carry a nominal markup.
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The instalment scheme is intended to make it easier for smartphone users to comply with PTA regulations without incurring a significant upfront cost.
To apply, users must visit the Alfa Mall website, enter their iPhone’s IMEI number, name, and CNIC, select the “Buy Now, Pay Later” option, and choose a preferred payment plan at checkout.
The initiative has been well-received by Apple users, who often face high registration fees to legally activate imported smartphones on local networks.
PTA tax installment plan
Plan Duration
Markup Rate
Monthly Payment (PKR)
3 Months
0%
75,966
6 Months
0%
37,983
9 Months
2.5%
29,767
12 Months
2.5%
23,438
24 Months
2.5%
13,964
36 Months
2.5%
10,825
The move is seen as part of a broader trend among financial institutions to offer consumer-friendly financing solutions for tech-related expenses.