Particle.news
Download on the App Store

State Bank of Pakistan Launches Zero-Markup Financing for 116,000 E-Bikes and 3,170 E-Rickshaws/Loaders

A two-phase rollout sets fixed loan sizes, defined tenors, plus quotas for women, small businesses and fleet operators.

Overview

  • In Phase 1, 40,000 e-bikes and 1,000 e-rickshaws/loaders will be provided, followed by 76,000 e-bikes and 2,171 e-rickshaws/loaders in Phase 2.
  • Loans are set at PKR 200,000 for e-bikes and up to PKR 880,000 for rickshaws/loaders, with tenors of two years and three years respectively.
  • Consumers receive interest-free loans under a 2.75% banking price framework, with an 80:20 debt-to-equity structure and government capital subsidies up to Rs50,000 per e-bike and Rs200,000 per rickshaw/loader.
  • Eligibility extends to Pakistani citizens with a valid CNIC, with ages 18–65 for e-bikes and 21–65 for rickshaws/loaders, while fleet operator eligibility is set by a steering committee.
  • Allocation quotas reserve 25% of e-bikes for women, 10% for small-business and courier users, and 30% of rickshaws/loaders for fleet operators, with applications handled via a digital lending platform and vendors shortlisted by the EDB.