Free Financial Tool
Check the 40% rule before the bank does
More ballot winners lose their bike to the Debt Burden Ratio than to any document mistake. Run your co-borrower's real numbers through the exact formula the Bank of Punjab uses — in ten seconds, privately, in your browser.
Why This Number Decides Everything
The formula behind the verdict
When your file reaches post-ballot scrutiny, the Bank of Punjab reduces your household's finances to one percentage: (existing monthly installments + the proposed bike installment) ÷ net monthly income × 100. At or under 40%, the financing proceeds. Over it, the application is declined — regardless of your winning ballot, your documents or your need.
The good news: unlike the ballot, this number is fully knowable in advance. Ask your intended co-borrower for their honest loan list and net income, estimate your installment from the installment calculator, and test the ratio here. If it fails, switch co-borrowers or bike class before applying — not after a rejected scrutiny wastes your draw.
ڈی بی آر کیا ہے؟
ڈیٹ برڈن ریشو یعنی قرض کا بوجھ: ضامن کی تمام موجودہ ماہانہ اقساط اور بائیک کی متوقع قسط کو خالص ماہانہ آمدنی سے تقسیم کر کے 100 سے ضرب دیں۔ یہ تناسب 40 فیصد سے زیادہ نہیں ہونا چاہیے، ورنہ بینک فنانسنگ منظور نہیں کرتا — چاہے قرعہ اندازی میں نام نکل آیا ہو۔ درخواست سے پہلے یہاں اپنا حساب ضرور چیک کریں۔
DBR Calculator
The bank's 40% rule, computed exactly as they compute it.
Debt Burden Ratio
5.0%
Within the 40% limit — financing headroom of about PKR 21,000/month remains.
DBR = (existing installments + proposed installment) ÷ net monthly income × 100. The 40% ceiling is the consumer-financing limit applied under the scheme; the Bank of Punjab's own verified assessment is final.
DBR FAQs
Debt Burden Ratio questions
What is the Debt Burden Ratio (DBR)?
DBR measures how much of a person's net monthly income is already committed to debt repayments. It answers the bank's core question: after existing obligations, can this household comfortably absorb the new installment? A lower DBR means stronger repayment capacity.
How is DBR calculated for the bike scheme?
All of the co-borrower's monthly installments for already-availed loans, plus the expected installment of the bike loan, divided by net monthly disposable income, multiplied by 100. Example: PKR 8,000 existing + PKR 3,000 bike installment on PKR 50,000 income = 22% DBR.
What DBR does the scheme require?
The co-borrower's DBR must not exceed 40% — the consumer-financing ceiling applied under the scheme. Cross it and the Bank of Punjab declines the financing even after a winning ballot.
My DBR is too high. What can I do?
Three levers: choose a different co-borrower (parent, spouse or sibling) with higher income or lighter existing debt; wait until an existing loan finishes, which drops the numerator; or choose a cheaper bike, which lowers the proposed installment. Recalculate here before every application.
Whose income counts — mine or my guarantor's?
The Primary Borrower's. For most students that is the co-borrower (guarantor), whose income and obligations feed the calculation. A student with their own verifiable income who applies without a guarantor is assessed on their own numbers.
Numbers clear? Complete the picture.
DBR is one of five post-ballot checks. See the rest — and the document checklist that prevents the other four failures.