1. Introduction & Summary
The use of air conditioners in Karachi can cause electricity bills to soar in the hot summer months. Many families and small business owners may have a sudden financial crunch due to a large K-Electric bill, paid all at once. Late payment surcharges will be applied if a bill is not paid by the due date. In extreme cases, if you do not pay your bills, K-Electric field teams might visit your house and issue you a disconnection notice and physically take your meter.
K-Electric has launched an official bill installment facility to protect consumers from power outages and financial hardship. Under this relief program, eligible consumers who are unable to pay their current bill or unpaid arrears can spread the current bill or unpaid arrears over affordable monthly payments. Your account will stay active and will not be disconnected automatically if you implement an official payment plan.
2. Policies, Rules & Criteria
Before making an installment application, you need to be aware of the policies laid down by K-Electric & NEPRA:
Bill Categories Eligible for Installments
An installment request can be made for the unusual monthly bills along with previous arrears.
Standard Installment Period
The standard electric bill is usually divided into 2 to 3 equal installments per month.
Hardship & Special Permission
Senior citizens, low-income households or consumers with sudden medical emergencies can request for 4 or 6 installments. This requires a special approval from the Customer Experience Center (CEC) Manager.
Mandatory First Installment
The first installment must be paid immediately on the same day the new voucher is generated. This payment officially activates your installment agreement.
No Default Policy
If you miss the due date of any agreed installment, the installment plan is automatically cancelled. The full remaining balance becomes payable immediately along with late surcharges.
Annual Limit
Installments are meant for emergency relief. You cannot request bill installments every month. K-Electric limits this service to a maximum of 2 to 3 times per calendar year per account.
3. Checklist of Required Documents
A complete application is a fast application. A complete application is a fast application. Have everything you need ready ahead of time so you don’t hold things up:
Electricity Bill
Your 13 digit Account Number and 11 digit Consumer Number as per last unpaid K-Electric bill.
Valid CNIC Copy
Clear photocopy of Computerized National Identity Card (CNIC or NICOP) of the account holder or present occupant of the property.
Live Mobile Number
Mobile number for confirmation SMS and alerts for instalment tracking.
Simple Written Application
If you are visiting a Customer Experience Center in person, please bring with you a short hand-written letter addressed to the Center Manager stating the reason for your request for an installment.
4. Step-by-Step Application Procedures
K-Electric has three main ways to apply for installments of the bill. You may select the method most convenient for you:
Using the KE Live Mobile App
Online MethodKE Live App is the official and fastest way to split your bill without visiting an office.
- Download App: Installation Process Download KE Live Application from Google Play store or Apple App Store.
- Log In: Sign up using your mobile phone number and add 13 digit KE account number.
- Choose Billing Services: In Home Menu tab, select Bill & Payment Services.
- Apply for Installment: Choose Bill Installment option. Automatically an installment plan will be made for you.
- Download Voucher: Download new bill voucher and make your first installment through Mobile Banking, Easy Paisa or Jazz Cash.
Visit to Customer Experience Center (CEC)
In case you want to talk to someone or require more than 3 installments because of financial difficulties:
- Find CEC Office: Find your nearest K-Electric Customer Experience Center (e.g. Clifton, Gulshan-e-Iqbal, North Nazimabad, Bahadurabad, Korangi).
- Obtain a Queue Token: On arrival get a token for billing counter from reception desk.
- Present Your Bill: Present your heavy bill, CNIC copy and application letter to billing officer.
- Printed Vouchers: Your representative will divide your bill into new installment slips with new due dates.
Call Center & WhatsApp Support
- Helpline Call: Call 118 or (021) 99000 from your registered mobile number.
- WhatsApp Chat: To speak to a customer care agent, type “HI” in WhatsApp to +92 348 0000118 and follow the automated instructions..
5. How Your Payments Affect Your Next Monthly Bill
It’s very important that you understand how your bill structure changes once you start an installment plan. When you split a bill, you pay the first part immediately. Unpaid portions are automatically scheduled on and added to your next monthly utility bill.
Immediately after approval pay PKR 10,000 (Installment #1).
Your next monthly bill will be for your normal electricity usage for that month PLUS PKR 10,000 (Installment # 2).
Your 3rd monthly bill will have your regular usage PLUS PKR 10,000 (Installment #3).
6. Fast track process of instalment plan
| Feature | Policy Details |
|---|---|
| Standard Installments Allowed | 2-3 installments on monthly basis |
| Hardship Installments Permitted | 4 to 6 installments (Require CEC Manager Approval) |
| Application Processing Fee | No charge for making up a bill for payments |
| Processing Time | Instant at Customer Center/Same Day using KE Live Application |
| Approved Payment Channels | Approved Commercial Banks, ATMs, Mobile Apps, EasyPaisa, Jazz Cash and OMNI Shops |
7. Tips to Avoid Penalties and Disconnections
Be sure to stay connected to electricity services during your installment plan with these important tips:
- First Part Pay in One Payment: Pay the first installment promptly. But K-Electric’s system will not stop disconnection actions until the first voucher is scanned and paid at a bank or online.
- Keep Payment Receipts Safe: Always keep physical bank stamped receipts or digital PDF transaction proofs safe until the entire bill balance is cleared completely.
- Measure Energy Usage: Try to cut down on energy usage in your home while making past payments. Turn off unneeded lights. Avoid using heavy equipment such as water pumps and air conditioners between peak hours (6 :00 PM to 10 :00 PM).
