بسم الله الرحمن الرحيم
(Fatwa: 692/577/D=09/1437)
In case the bank finances it you will have to pay interest and both paying and taking interest is haram. Thus it is not lawful to adopt this method to help.
Yes, if the bank buys e-rickshaws and includes its profit in the price and gives you in installments then it shall be right to buy them on total amount and pay it in installments provided all the installments are cleared in due times and no interest is levied due to delay. Or the auto mobile dealer finances it himself and he includes the extra amount in original amount (whether it is as interest or addition in price) and fixes it in installments then it shall be lawful to buy rickshaws on total amount and pay it in installments. But it is necessary that the total amount is known and fixed at the time of having the deal.
Allah knows Best!
Darul Ifta,
Darul Uloom Deoband