MEPCO Bill Installments and Due Date Extension

Last checked 26 September 2026

MEPCO can split unpaid dues into equal monthly installments and can extend a bill's due date, but both are at its discretion. MEPCO's FAQ lets its officers allow three to six monthly installments on arrears in genuine cases, with interest at the bank rate, and the MEPCO SMART app takes requests for both. This guide covers who approves how much, what it costs, how to apply and what happens after the due date.

Can a MEPCO bill be paid in installments?

Yes, when MEPCO agrees. NEPRA's Consumer Service Manual lets distribution companies offer installments and due date extensions according to their business requirements, so neither is an automatic right.

Two official documents describe installments differently:

• MEPCO's FAQ (in Urdu on mepco.com.pk) says installments do not apply to the current bill. Unpaid arrears can be paid in installments, with interest at the current bank rate.
• NEPRA's Consumer Service Manual (as on 26 November 2025, circulated by MEPCO) covers a request to split the current month's bill: no markup or late payment surcharge if the first installment is paid by the due date, and markup of 14% a year, worked out pro rata, on the remaining installments.

Ask your MEPCO sub-division office which rule it will apply to your case before relying on either. Whatever is agreed, the manual requires MEPCO to generate computerised bills once it allows installments or a new due date.

Who approves a MEPCO installment, and for how much?

MEPCO's FAQ sets the approval level by the size of the arrears, from the sub-divisional officer up to the chief executive, with three to six equal monthly installments. The table shows each officer, the arrears figure the FAQ gives for a general connection, and the installments that officer can allow.

The FAQ gives these figures without saying where each officer's range begins, so ask your sub-division which officer handles your amount. It attaches four conditions to these powers:

• The case is genuine and deserving.
• The consumer has not defaulted in the past six months.
• The consumer signs an undertaking to pay each installment together with the monthly bill.
• The consumer undertakes not to ask for further installments to keep the connection running.

What does a MEPCO installment cost?

It costs interest: MEPCO's FAQ applies the current bank rate to arrears paid in installments, and NEPRA's manual sets 14% a year, pro rata, on current-bill installments after the first.

At 14% a year, the markup works out to about 1.17% a month (14 ÷ 12). On Rs 10,000 still owed for one month, that is about Rs 117. Ask for the rate and the monthly amounts in writing, because MEPCO's FAQ does not publish its bank rate figure.

The installment shows on the bill as its own item, which NEPRA's manual defines as the amount payable under installments allowed by the competent officer. It is listed apart from arrears and from any amount MEPCO has deferred. See where installments sit on a MEPCO bill.

How to apply for a MEPCO installment or due date extension

To apply, send the request through the MEPCO SMART app or take it to your sub-division office before the due date, then pay from the revised bill that MEPCO issues.

1. Check the amounts. Open your MEPCO bill online and note the arrears, the current bill and the due date.
2. Send the request early. Use Request for installment or Due Date Extension in the MEPCO SMART mobile app. Alternatively, visit your sub-division office, where the SDO handles the smallest arrears.
3. Explain your case. Say why you cannot pay in full and how many installments you need; MEPCO's FAQ limits installments to genuine cases.
4. Sign the undertaking. MEPCO's FAQ says an undertaking is taken to pay both the installment and the monthly bill.
5. Pay from the revised bill. Pay each computerised bill through an official MEPCO bill payment channel by its due date and keep every receipt.

How does a due date extension work?

A due date extension moves the payment deadline without a late payment surcharge: NEPRA's manual says no surcharge is imposed where the due date is extended. The MEPCO SMART app lists the request as Due Date Extension.

The manual also sets the normal due date rules:

• The due date falls within 15 days of the bill's issue date.
• Consumers get seven clear days from actual delivery of the bill to pay.
• A due date that falls on a holiday moves to the next working day.

NEPRA's tariff terms for MEPCO add that bills are to be delivered at least seven days before the due date; when they are not, the surcharge applies only after the seventh day from delivery. If your bill arrived late, say so when you ask for more time.

What happens if you pay a MEPCO bill after the due date?

You pay a late payment surcharge of 5% for the first three days after the due date and 10% after that, worked out on the billed amount excluding government taxes and duties.

On a bill with Rs 10,000 of charges before taxes, that is Rs 500 in the first three days and Rs 1,000 after them. The bill prints both figures: the amount payable within the due date and the higher amount payable after it, which includes the surcharge. A cheque, pay order or bank draft should reach the bank or revenue office at least three days before the due date to count as paid on time.

Unpaid bills then follow the disconnection rules in NEPRA's manual:

1. No connection is cut for one unpaid month's bill.
2. With the second month's bill, MEPCO gives seven clear days' notice to clear the dues or face disconnection.
3. Once the second bill's due date passes without payment, the supply can be disconnected.
4. If the third month's bill and the arrears stay unpaid, MEPCO can remove the meter and mark the connection permanently disconnected.

The steps to restore supply are in MEPCO disconnection and reconnection rules.

Is an installment the right fix for a wrong bill?

No. If the amount is wrong, ask for a correction instead: an installment spreads the payment but keeps the wrong amount. NEPRA's manual gives MEPCO 7 days from your complaint to deal with errors caused by wrong meter readings or wrong calculation of charges.

Start with the steps to correct an overcharged MEPCO bill. If the sub-division does not respond, use the MEPCO helpline 118 and other complaint contacts.

Sources: MEPCO FAQ page (Urdu) and MEPCO mobile app page (mepco.com.pk); NEPRA Consumer Service Manual as on 26 November 2025, circulated by MEPCO (sections 2.13 to 2.15, 6.4 to 6.8, 8.2 and 10.3); NEPRA determination of MEPCO's supply tariff, 7 January 2026 (general conditions); PITC complaint portal warning (ccms.pitc.com.pk). Checked 26 September 2026.