E-Bikes in Pakistan 2025 Made Affordable with 80:20 Debt-to-Equity Plan – Full Details

The government of Pakistan has introduced a new cost-sharing scheme to make electric bikes (e-bikes) and loader rickshaws more affordable for citizens in 2025. Under this initiative, thousands of Pakistanis will be able to shift to eco-friendly transport through an 80:20 debt-to-equity financing plan, backed by government subsidies and interest-free loans.

Overview of the E-Bike & Rickshaw Scheme 2025

• Total Vehicles Financed (2025-26):

  • 116,000 E-Bikes

  • 3,170 E-Rickshaw Loaders

• Distribution Phases:

  • Phase 1: 40,000 e-bikes & 1,000 rickshaws/loaders

  • Phase 2: 76,000 e-bikes & 2,170 rickshaws/loaders

This program is part of Pakistan’s strategy to promote clean energy transport, reduce fuel dependency, and provide affordable mobility solutions to individuals and small businesses.

Special Quota Allocation

The scheme ensures inclusivity through reserved quotas:

• 25% e-bikes reserved for women (to promote female mobility).

• 10% e-bikes for delivery & courier workers.

• 30% of rickshaws/loaders for fleet operators.

This quota system helps ensure that students, working women, and small business owners all benefit.

Eligibility Criteria

To apply for this scheme, you must:

• Be a Pakistani citizen with a valid CNIC (including Gilgit-Baltistan & AJK residents).

• Age limits:

  • E-Bikes: 18 to 65 years

  • Rickshaws/Loaders: 21 to 65 years

• Fleet operators are eligible under guidelines set by the steering committee.

Government Subsidy & Loan Structure

The scheme offers a unique 80:20 debt-to-equity ratio, meaning:

• Borrowers contribute 20% equity (covered by subsidy + applicant’s share).

• Government provides 80% financing through banks.

Subsidy Amounts:

• Up to Rs. 50,000 per e-bike

• Up to Rs. 200,000 per rickshaw/loader

👉 If the subsidy fully covers the 20% equity portion, beneficiaries won’t need to pay anything upfront.

Loan Terms & Repayment

• Markup: Interest-free (government pays markup on behalf of borrowers).

• Repayment Period:

  • 2 years for e-bikes

  • 3 years for rickshaws/loaders

• Monthly Installments: Cover only principal + insurance.

This makes e-bikes and loaders highly affordable for low- and middle-income families.

Digital Application Process

To keep the process transparent and hassle-free:

• A digital lending platform will handle applications.

• Banks will be integrated for instant information sharing.

• The Engineering Development Board (EDB) will approve vendors and models.

• Manufacturers must provide timely delivery and after-sales service.

Benefits of the 80:20 Debt-to-Equity Plan

✔ Affordable access to e-bikes and loaders
✔ No interest charged to beneficiaries
✔ Lower transport costs compared to petrol bikes
✔ Eco-friendly initiative reducing air pollution
✔ Empowerment of women, students, and delivery workers
✔ Job creation through rickshaw loaders and delivery businesses

Final Thoughts

The E-Bike & Rickshaw Scheme 2025 under the 80:20 debt-to-equity model is a game-changer for Pakistan’s transport sector. By offering subsidies, interest-free loans, and digital transparency, the government is making clean mobility accessible to all.

If you’re eligible, this is the perfect time to switch to electric transport and enjoy savings, convenience, and long-term sustainability.

FAQs – E-Bike Scheme Pakistan 2025

Q1: How many e-bikes will be distributed in 2025-26?
➡️ Around 116,000 e-bikes and 3,170 loader rickshaws.

Q2: Who can apply for this scheme?
➡️ Pakistani citizens with valid CNIC, meeting the age requirements.

Q3: What is the subsidy amount?
➡️ Up to Rs. 50,000 for e-bikes and Rs. 200,000 for rickshaws/loaders.

Q4: Are the loans interest-free?
➡️ Yes, the government pays the markup cost.

Q5: How long is the repayment period?
➡️ 2 years for e-bikes and 3 years for rickshaws/loaders.