How to Pay MEPCO Bill in Installments (2026)

MEPCO can split outstanding dues into monthly instalments on written application to the competent officer at your sub-division. Under NEPRA’s Consumer Service Manual, no markup or late payment surcharge applies if you pay the first instalment within the due date — but the remaining instalments carry a 14% annual markup on a pro-rata basis, and the facility is allowed only once in a financial year.

Two different facilities — don’t mix them up

• Due date extension buys you days on a single bill. The request must reach MEPCO before the original due date. Miss that window and you lose the option.
• Instalments break a large amount into monthly parts recorded on your bill.

If your due date is close and your paperwork isn’t ready, ask for the extension first, then file the instalment application inside the extended window.

The cost nobody mentions

This is where almost every guide online is silent.

NEPRA’s amended Consumer Service Manual sets three rules:

• Pay the first instalment within the due date and no markup or late payment surcharge is charged on it.
• Subsequent instalments attract 14% per annum, calculated pro-rata on the outstanding portion.
• The facility can be used once per financial year.

So an instalment plan is real relief, not free money. Spreading a large amount over more months increases what you finally pay. Ask for the shortest schedule you can actually sustain, not the longest one offered.

What can be split

Instalments are intended for accumulated dues — arrears, deferred amounts, and supplementary or detection bills — rather than for a normal current bill you simply find expensive.

That distinction matters at the counter. An application framed around a specific arrear, a defective-meter adjustment, or a disputed supplementary charge is treated differently from one that reads as a general request to pay less this month.

If you believe the underlying bill is wrong, dispute it first. An instalment plan on an incorrect amount converts an error into a debt you have formally accepted.

Who approves it

Approval authority escalates with the amount, from AMO or SDO at sub-division level, to XEN, then SE, then higher offices for the largest sums.

The precise rupee ceiling attached to each rank is an internal delegation of powers that gets revised, and figures circulating on other sites do not match any current published document. Ask directly at your sub-division which officer holds powers for your amount — that one question saves a wasted trip to the wrong office.

The Power Division confirms that Customer Care Centres operate at Sub-Division, Division, Circle and headquarters level specifically to handle instalment and date-extension requests.

What to bring

• Written application addressed to the competent officer, stating your reference number, CNIC, the amount, the reason, and the number of instalments you can manage.
• Copy of CNIC.
• The disputed or outstanding bill, plus your last three to six bills as payment history — print them from any duplicate bill lookup if you don’t have paper copies.
• An undertaking or affidavit on stamp paper for larger amounts, committing to pay each instalment along with the current bill.

Get your copy stamped with a diary number. Without that acknowledgement you have no proof the application exists.

What happens to your due dates afterwards

Once approved, the agreed instalment appears as a separate line on your monthly bill alongside your current charges. You pay both.

That is the part people underestimate. An instalment plan does not pause your ordinary monthly bill — it stacks on top of it. Before agreeing to a figure, estimate your normal monthly amount with the bill calculator and confirm the combined total is payable.

Missing an instalment generally revives the full outstanding amount and restores exposure to disconnection under normal notice procedure.

If you’re already disconnected

A part-payment arrangement is a recognised route back. Under the Consumer Service Manual, consumers whose arrears have been partly set aside or who have been allowed part payments are reconnected on deposit of the remaining arrears or their first instalment.

Apply through your sub-division and revenue office, not through a payment app.

FAQs

Based on NEPRA’s Consumer Service Manual and its 2024 amendment; MEPCO applies these rules through its own delegation of powers, so confirm current thresholds at your sub-division.