The CM Punjab e-Bike Scheme 2025 Phase 2 is a government-backed initiative offering electric and petrol bikes to regular students of HEC-recognized universities and colleges across Punjab at subsidized rates with interest-free installments. Designed to promote eco-friendly transportation and reduce commuting costs for students, the scheme includes bike registration, insurance, and access to solar charging stations. Students can apply online via the official portal and must meet eligibility criteria such as Punjab residency, valid CNIC/B-Form, active enrollment, and a learner’s permit or driving license.
Eligibility & Application
Q1: Who can apply for the CM Punjab e-Bike Scheme?
Only regular students enrolled in HEC-recognized universities or graduate colleges (public or private) in Punjab can apply.
Q2: Can students outside Punjab apply?
No, only residents of Punjab studying in Punjab-based institutions are eligible.
Q3: Is there an age limit for applicants?
Yes, the minimum age is 16 years at the time of application.
Q4: Can distance learning students apply?
No. The scheme is only valid for students attending classes physically on campus.
Q5: Is CNIC or B-Form necessary?
Yes, a valid CNIC or B-Form is mandatory for application.
Q6: Can I apply without a driving license?
You must have at least a learner’s permit. This is required for both male and female students.
Q7: Is the application form available offline?
No. Applications must be submitted online at: https://bikes.punjab.gov.pk
Q8: What documents are required?
- CNIC or B-Form
- Student ID card
- Proof of active academic enrollment
- Driving license or learner’s permit
🔹 Bike Options & Preferences
Q9: What types of bikes are available?
Two options:
- Electric Bikes (E-Bikes)
- Petrol Motorbikes
Q10: Can female students apply for petrol bikes?
Yes. Female students can choose either petrol or electric bikes.
Q11: Can I change my bike option later?
No, once selected and submitted, your choice cannot be changed.
Q12: Are the bikes brand-new or used?
All bikes offered under the scheme are brand-new and come with a warranty.
🔹 Financing & Subsidy
Q13: What is the cost of the bike?
Bike prices are pre-negotiated with manufacturers and dealers to remain student-friendly.
Q14: Is there a government subsidy?
Yes. The Punjab government provides a Rs. 20,000 subsidy per student.
Q15: Are the installments interest-free?
Yes. The installment plan is interest-free and easy to manage for students.
Q16: Is registration cost included in the loan?
Yes. The registration and delivery charges are included in the overall bike cost.
Q17: Can I customize my installment duration?
Installment plans are standardized, and individual customizations are not offered.
🔹 Guarantor & Loan Conditions
Q18: Do I need a guarantor or co-borrower?
Yes. A co-borrower/guarantor is required to ensure repayment capacity.
Q19: Who can be a guarantor?
A parent, guardian, or family member with a verifiable income source.
Q20: What is the Debt Burden Ratio (DBR)?
DBR = (Monthly Installments ÷ Monthly Income) × 100
It must meet the minimum eligibility set by the Bank of Punjab.
Q21: Can my loan application be rejected?
Yes, if you fail the DBR check or don’t meet required verification standards.
🔹 Balloting & Selection
Q22: How are students selected?
Through a transparent electronic balloting system.
Q23: Will I get notified if selected?
Yes. Notifications are sent via SMS and email.
Q24: What is post-balloting scrutiny?
It involves verification of submitted documents and educational status before final loan processing.
Q25: Can I appeal if I’m not selected?
There is a grievance redressal system available through the portal for appeals.
🔹 Delivery & Post-Approval
Q26: How will the bike be delivered?
Through authorized dealerships, after bank approval and documentation.
Q27: Is the bike insured?
Yes. The scheme includes battery/theft/fire insurance coverage.
Q28: Who pays for the insurance?
Insurance cost is included in the total financing package.
Q29: Can I sell the bike before repayment ends?
No. The bike remains under loan agreement until fully paid and cannot be transferred or sold.
Q30: How will I know if my loan is approved?
The Bank of Punjab will inform you via SMS/email with further instructions.
Q31: What if I miss an installment?
Late or missed payments could affect your credit score or lead to repossession in extreme cases.
🔹 Additional Concerns
Q32: Is there any support for charging e-bikes?
Yes. Solar-powered charging stations are being installed in major colleges and universities.
Q33: What if I move to another city after approval?
Inform your institution and BOP. Location change may affect delivery or servicing.
Q34: Can siblings apply separately?
Yes. If both are eligible regular students, they can apply independently.
Q35: Is there a helpline for assistance?
Yes. A dedicated helpline and support email is available via the official portal.