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Late Payment Calculator

See exactly how much a delayed payment costs you in penalties.

Bill Amount (₨)

Days Overdue

days

LPS Annual Rate (%)

SBP Policy Rate: ~22% per annum

Reconnection Fee (if disconnected)

💡 Never Pay Late Again

📱 Set Phone Reminders

Set a recurring reminder 3 days before your typical due date. Most bills arrive around the same date each month.

🏦 Use Auto-Pay

Set up standing instructions through your bank or JazzCash/Easypaisa to auto-debit on due dates. Zero effort, zero late fees.

💵 Pay Partial if Cash-Tight

If you can't pay the full bill, pay the minimum to avoid disconnection. The LPS will apply only on the unpaid balance.

📄 Check Bill Online

Don't wait for the physical bill. Check online via your DISCO's portal or our Bill Checker tool as soon as it's generated.

Frequently Asked Questions

What is the late payment surcharge rate in Pakistan? ▼

Late payment surcharge (LPS) is typically charged at SBP's policy rate (currently ~22% annually) on the overdue amount. This translates to roughly 1.83% per month. Some DISCOs charge a flat penalty of ₨50-200 in addition.

When is the bill payment due date? ▼

The due date is printed on your bill, usually 15-20 days after the bill issue date. After the due date, the 'last date' gives you 7 more days before disconnection proceedings begin.

Can my connection be disconnected for late payment? ▼

Yes. After the last date (usually 7 days past due date), DISCOs can disconnect your supply. Reconnection may require paying the full bill plus reconnection fee (₨200-1,000).

Is there any grace period? ▼

Most DISCOs allow 7 days after the due date as the 'last date.' After that, you risk disconnection and additional recovery charges.

Late Payment Calculator

Penalty Timeline

Disconnection Risk!

If You Had Paid on Time