Scheme Comparison
Federal (PAVE) vs Punjab e-bike scheme — full comparison for 2026
Pakistan currently has two major e-bike support systems: the federal PAVE program (PKR 80,000 off the price) and the CM Punjab scheme (0% interest financing plus PKR 20,000 contribution). Here is how they compare and which is right for your situation.
PAVE Program
Pakistan Accelerated Vehicle Electrification
Core benefit
PKR 80,000 off
purchase price subsidy, paid to dealer
- Administered by:
- EDB / Ministry of Industries
- Portal:
- pave.gov.pk
- Open to:
- All Pakistani citizens 18–65
- Selection:
- First-come, first-served (Phase 2)
- Financing after subsidy:
- Standard bank rate
- Women's quota:
- 25% of subsidy budget reserved
- Model eligibility:
- EDB-approved list only
CM Punjab E-Bike Scheme
Chief Minister's Green Mobility Initiative
Core benefit
0% markup financing
+ PKR 20,000 down-payment contribution
- Administered by:
- Punjab Govt / Bank of Punjab
- Portals:
- bikes.punjab.gov.pk / ptf.punjab.gov.pk
- Open to:
- Punjab residents (students, teachers, BPS 1–16)
- Selection:
- PITB computerized balloting
- Financing:
- 0% markup — govt pays bank interest
- Typical installment:
- PKR 2,000–4,200/month × 24 months
- Model eligibility:
- Scheme catalogue on portal
Head to Head
Feature-by-feature comparison
| Feature | PAVE (Federal) | CM Punjab Scheme |
|---|---|---|
| Geographic scope | All of Pakistan | Punjab province only |
| Primary benefit | PKR 80,000 price subsidy | 0% interest + PKR 20k down payment |
| Who pays subsidiy | Govt pays EDB → dealer | Govt pays BOP markup directly |
| Down payment | Varies by model price | ~30% (minus PKR 20,000 contribution) |
| Installments | Standard bank terms | PKR 2,000–4,200/month, 0% markup |
| Min. age | 18 years | 18 years |
| Max. age | 65 years | 35 (students) / 55 (teachers) |
| Driving licence | Required or learner's permit | Required or learner's permit |
| Selection method | First-come, first-served | Computerized ballot (PITB) |
| Application portal | pave.gov.pk | bikes.punjab.gov.pk |
| Women's priority | 25% of budget reserved | Separate quota for women |
| Approved models | EDB-certified list | Scheme catalogue |
| Currently open? | Yes (Phase 2, ongoing) | Check portal for current window |
Which One to Choose
Which scheme is right for you?
If...
You live outside Punjab
Apply for PAVE — it is the only nationwide option. CM Punjab is Punjab-only.
→ PAVE
If...
You are a Punjab student aged 18–35
Apply for the CM Punjab student scheme. The 0% interest and PKR 20,000 contribution means very low monthly payments. Also check PAVE for additional subsidy.
→ CM Punjab
If...
You are a Punjab school teacher (PTF)
Apply via ptf.punjab.gov.pk for the teacher-specific scheme. This has dedicated allocations and may include a higher subsidy percentage.
→ CM Punjab (PTF)
If...
You want the most cash off the sticker price
PAVE's PKR 80,000 direct price subsidy is the largest single cash discount available. If your chosen model is on the EDB-approved list, apply first.
→ PAVE
If...
You need the lowest possible monthly payment
CM Punjab's 0% markup financing means your installments cover only the principal — at PKR 2,000–4,200/month, this is optimised for affordability. The zero-interest saving over 24 months can exceed PKR 30,000.
→ CM Punjab
If...
You are a federal government employee (BPS 1–16)
Apply through PAVE's federal employee channel — minimum Rs 10,000 down payment with salary-deduction installments and the Rs 80,000 subsidy.
→ PAVE (federal employee)
Quick Answers
PAVE vs Punjab scheme FAQs
Which e-bike scheme gives more money — PAVE or CM Punjab?
For a Punjab resident using the CM Punjab scheme alone, the benefit is PKR 20,000 cash contribution plus 0% interest on the full loan — saving you PKR 30,000–50,000 in avoided markup over 2 years. The PAVE subsidy is PKR 80,000 off the purchase price directly. If you can only pick one, PAVE's PKR 80,000 direct subsidy has a higher immediate face value, but the CM Punjab zero-interest benefit can be more valuable for those who need to spread payments.
Can a Punjab resident apply for both PAVE and CM Punjab schemes?
They are separate programs with separate portals and quota. A Punjab resident can technically be eligible for both, but the schemes have different approved model lists and different financing structures. Read both sets of current terms carefully — and apply to both if the bikes you want appear on both approved lists.
Which scheme is open right now?
PAVE Phase 2 runs continuously first-come, first-served at pave.gov.pk until the fiscal-year quota is filled. CM Punjab scheme windows open and close periodically — check bikes.punjab.gov.pk for the current status. Teacher scheme applications go through ptf.punjab.gov.pk.
I live outside Punjab — can I only use PAVE?
Yes. If you are not a Punjab resident, the CM Punjab scheme is not available to you (it is a provincial program). PAVE is a federal program open to all Pakistani citizens aged 18–65. Other provinces are developing their own schemes — check your provincial government's official channels for current programs.
Ready to apply? Check your eligibility first
Both schemes require a valid CNIC, motorcycle licence or learner's permit, and documents matching your category. Check eligibility and prepare your documents now.