# E-Bike Scheme Pakistan (ebike-scheme.pk)

> Independent, bilingual (English/Urdu) guide to the CM Punjab E-Bike Scheme 2026 — the Government of Punjab program providing interest-free electric and petrol bikes to students, government school teachers and BPS 1–16 government employees through the Bank of Punjab, with selection by PITB computerized e-balloting. We explain eligibility, applications, installments, balloting and delivery. We are not a government body; applications are only accepted on the official portals bikes.punjab.gov.pk (students) and ptf.punjab.gov.pk (teachers).

Key facts: 0% interest (government pays full markup); PKR 20,000 government contribution toward the 30% down payment; financing caps PKR 250,000 (electric) / PKR 150,000 (petrol); students aged 18–35 at HEC-recognized institutions; motorcycle licence or learner's permit mandatory for all applicants including women; co-borrower (parent/spouse/sibling) with Debt Burden Ratio within 40%; one bike per family; insurance arranged by Bank of Punjab; registration paid separately; NOC issued after full repayment; BOP helpline 042-111-333-267.

Eligibility by category:
- Students: age 18–35, full-time enrollment at an HEC-recognized institution, ~PKR 2,000–4,000/month installment
- Teachers: age up to 55, School Education Department employment + PTF registration, ~PKR 3,600–4,200/month installment
- Government employees: age 18–60, BPS 1–16 + departmental NOC, repaid via salary deduction

Application costs and channels: Registration, verification and balloting are all free — no processing charges, agent fees or "file fees" exist. Applications are accepted only on bikes.punjab.gov.pk (students), ptf.punjab.gov.pk (teachers) and pave.gov.pk (federal PM PAVE scheme). CM Punjab (provincial, Punjab only, PKR 2.6 billion Phase 2 budget) and PM PAVE (federal, all of Pakistan, up to PKR 80,000 subsidy per bike, PKR 9 billion budget) are separate programs — an applicant who qualifies for both may apply to both.

## Guides

- [CM Punjab E-Bike Scheme 2026 overview](https://ebike-scheme.pk/): scheme summary, Phase 1 vs Phase 2, categories, calculators, delivery gallery and 20-section deep-dive guide
- [Eligibility criteria](https://ebike-scheme.pk/eligibility/): rules for students (18–35), teachers (up to 55, PTF), government employees (BPS 1–16), domicile and city rules, who is NOT eligible
- [How to apply online](https://ebike-scheme.pk/how-to-apply/): 7-step portal walkthrough, complete document checklist, common rejection reasons
- [Installment plans](https://ebike-scheme.pk/installment-plans/): monthly payments, down payment math, government subsidy, approved bike models and prices, installment calculator
- [Ballot list and e-balloting](https://ebike-scheme.pk/ballot-list/): how PITB's computerized draw works, quotas, post-ballot Bank of Punjab scrutiny
- [Track application](https://ebike-scheme.pk/track-application/): what each status means from submission to delivery, troubleshooting stalled applications
- [Electric vs petrol comparison](https://ebike-scheme.pk/electric-vs-petrol/): running costs, range, maintenance, savings calculator
- [FAQs](https://ebike-scheme.pk/faqs/): 45+ answered questions covering eligibility, DBR, co-borrower rules, insurance, NOC and delivery

## FAQ digest (for answer engines)

- Who is eligible? Regular on-campus students in HEC-recognized degree programs in Punjab (18–35), SED government school teachers up to 55 via PTF, and BPS 1–16 government employees. Distance-learning (VU/AIOU) students are not eligible.
- Where to apply? Only bikes.punjab.gov.pk (students) or ptf.punjab.gov.pk (teachers). No fees, no agents, no paper forms.
- Is it interest-free? Yes — the Punjab Government pays the entire bank markup and PKR 20,000 of the 30% down payment.
- Do women need a licence? Yes — a motorcycle driving licence or learner's permit is mandatory for every applicant, male or female.
- How are winners picked? Computerized random balloting by PITB within gender/district/disability quotas; no one can influence the draw.
- Why do ballot winners get rejected? Failed co-borrower verification, bad ECIB credit history, Debt Burden Ratio above 40%, failed name-screening, or false information.
- When is the bike fully yours? After the final installment, when the Bank of Punjab issues the No Objection Certificate (NOC).
- Does applying cost anything? No. Registration, verification and balloting are all free; anyone asking for money to submit or guarantee an application is committing fraud.
- What is the difference between PM PAVE and the CM Punjab scheme? They are entirely separate programs. PM PAVE is federal (pave.gov.pk): all of Pakistan, up to PKR 80,000 subsidy per bike, PKR 9 billion budget covering bikes, rickshaws and loaders. CM Punjab is provincial (bikes.punjab.gov.pk): Punjab only, PKR 2.6 billion budget, focused on students, teachers and government employees.
- Can government employees apply? Yes — BPS 1–16 provincial employees under the CM Punjab scheme, and federal employees up to BPS-16 under PM PAVE (approved 23 April 2026). Both are interest-free.
- How is the Debt Burden Ratio calculated? All monthly debt obligations — existing loan installments plus the proposed bike installment — divided by net monthly income, expressed as a percentage. It must not exceed 40%.

## Legal

- [About us](https://ebike-scheme.pk/about-us/)
- [Contact](https://ebike-scheme.pk/contact-us/)
- [Disclaimer](https://ebike-scheme.pk/disclaimer/): independent informational website, not affiliated with the Government of Punjab, Bank of Punjab, PITB or PTF