How to Pay DISCO Electricity Bill in Installments: Official NEPRA Rules

## Official Guide to Electricity Bill Installments in Pakistan

If your monthly DISCO bill (LESCO, MEPCO, PESCO, IESCO, GEPCO, FESCO, HESCO, SEPCO, QESCO, TESCO, K-Electric) is unexpectedly high, you have a legal right under **NEPRA Consumer Protection Code** to apply for monthly installments.

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Designated Approval Officers & Limits

DISCO officers are empowered based on bill magnitude and connection status:

| Officer Designation | Max Bill Amount (Running Connection) | Max Installments Allowed | |---|---|---| | **Assistant Manager Operations (AMO / SDO)** | Up to Rs. 10,000 | 3 Equal Installments | | **Deputy Manager Operations (DMO / XEN)** | Up to Rs. 200,000 | 3 Equal Installments | | **Manager Operations (MO / SE)** | Up to Rs. 500,000 | 4 Equal Installments | | **Chief Engineer / CSD** | Up to Rs. 1,000,000 | Up to 12 Installments | | **Chief Executive Officer (CEO)** | Full Powers (Any Amount) | Custom Approval |

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Procedure to Apply for Installments

1. Take a printed copy of your unpaid electricity bill to your local DISCO Customer Care Center or Subdivision Office (SDO office). 2. Request the **Installment Form** (or submit a written application addressed to the SDO/XEN). 3. Present your CNIC copy and proof of consumer account. 4. The officer will endorse installment vouchers directly on your bill or issue computer-generated installment payment slips. 5. Pay the first installment at any bank branch or online banking portal using the revised installment reference code.

You can also compute installment payment schedules using the [BillDekho Installments Calculator](/tools/installments).