Starting from 8th July, 2024, Mofa has started apostille verification of documents using Tcs and other courier services. Now you can send your documents through Tcs for apostille verification in Pakistan.
Use Tcs For Apostille Verification of Documents Pakistan
To Get Apostille Verification through Tcs Link Visit Below:
Now get apostille verification of documents in Pakistan using Tcs. Designated Courier services will collect your document and than send it to Ministry of Foreign Affairs MOFA for apostille verification. the courier services designated including Tcs are listed below.
MOFA Appointment
To book an appointment for physically visiting and getting your documents verified from ministry of foreign affairs Pakistan please use the link below.
Click on Book Appointment and you will Get the Form Fill it carefully and get the appointment.
To get apostille verification using courier services from Pakistan use below mentioned information.
Launch of Apostille Legalization Verification Process through Tcs courier services
The Ministry of Foreign Affairs and its liaison offices at Lahore and Karachi will be starting the Apostille legalization process via walk-in applicants, to facilitate the general public, effective from Monday, 08 July 2024. No appointments are required.
Five courier companies have been hired for provision of Apostille legalization to the general public at their door steps. The following authorized courier companies will charge their service charges in addition to fees of Apostille Certification:
Gerry’s International Pvt. Ltd.
Leopards Courier Service Pvt. Ltd.
Excellent Courier Services (ECS)
M&P Express Logistics Pvt. Ltd.
TCS Pvt. Ltd.
The fee structure for Apostille Certification has also been revised with effect from 08 July 2024. The new fee structure is as follows:
1. Personal and Educational Documents – Rs. 3,000/- per document
2. Legal Documents – Rs. 4,500/- per document
3. Commercial Documents – Rs. 12,000/- per document
Complaint:
In case of any complaint against Mofa or anyother government department, their is Federal ombudsman (wafaqi mohtasib) وفاقی محتسب سیکر ٹیر یٹ for redressal. Read
MOFA and Camp Offices will remain open for consular services during the following hours:
Monday to Thursday – 7:30 am to 1:00 pm Friday – 7:30 am to 12:00 pm
Token Will be Issued Only During The Following Timings:
Monday to Friday – 7:30 am to 10:00 am
For Queries Related to Consular Service: Please Contact at:
051-90569524 – Monday to Friday – 8 am to 4 pm
For Apostille verification of documents through Tcs Visit below link:
Visit Below link for Apostille Verification booking through Tcs
Prize bonds remain one of Pakistan’s most popular savings instruments — government-backed, risk-free to your principal, and carrying a genuine chance at a large cash prize every quarter. Millions of Pakistanis hold prize bonds bought from banks, National Savings Centres, or inherited from family, but many don’t know when their bonds are actually due for a draw, how much tax applies to a win, or how to check results online. This guide covers the complete 2026 draw schedule pattern, denominations, tax rates, and how to check your numbers — all in one place.
What Are Prize Bonds?
Prize bonds are interest-free savings certificates issued by the Government of Pakistan through the Central Directorate of National Savings (CDNS), with draws conducted by the State Bank of Pakistan’s Banking Services Corporation (SBP BSC). Your principal amount is always safe and redeemable at face value — the “return” comes purely from the chance of winning a cash prize in the quarterly balloting, using a fully public, hand-operated draw machine.
There are two broad categories:
National (Bearer) Prize Bonds — Rs. 100, 200, 750, and 1,500 denominations. Whoever physically holds the bond can claim the prize; if lost, the bond cannot be replaced.
Premium Prize Bonds — Rs. 7,500, 15,000, 25,000, and 40,000 denominations. These are registered against your CNIC, and in addition to the prize draw, they pay profit every six months.
Prize Bond Draw Schedule Pattern 2026
The Central Directorate of National Savings and State Bank of Pakistan jointly announce the full year’s draw schedule in advance, typically around October–November of the preceding year. Each denomination gets four draws a year (quarterly), for a total of roughly 32–36 draws annually across all denominations, rotating through major cities including Karachi, Lahore, Islamabad, Rawalpindi, Peshawar, Quetta, Multan, Faisalabad, Hyderabad, and Sialkot.
Denomination
Draw Timing Pattern
Rs. 25,000 & Rs. 40,000 (Premium)
10th of the draw month, quarterly
Rs. 7,500 & Rs. 15,000 (Premium)
Early in the draw month, quarterly
Rs. 750
15th of January, April, July, October
Rs. 100 & Rs. 1,500
15th/16th of February, May, August, November
Rs. 200
Quarterly, rotating host city
If a scheduled draw date falls on a public holiday, the draw is automatically moved to the next working day. Always confirm the exact date and host city for your specific denomination on the official National Savings website (savings.gov.pk), since exact dates shift slightly year to year.
How Pakistan’s Single Common Draw System Works
Since the move to a Single Common Draw system, one set of winning numbers applies across all series of a given denomination — so you no longer need to know which “series” your bond belongs to when checking a result, only the bond number and denomination.
Tax on Prize Bond Winnings (2026)
Withholding tax is deducted at source on all prize winnings, and the rate depends heavily on your FBR filer status:
Filer Status
Withholding Tax on Prize
Active Tax Filer (on FBR’s Active Taxpayer List)
15%
Non-Filer
25–30% (varies by prize bracket)
Example: On a Rs. 750,000 first prize, an active filer would net roughly Rs. 637,500 after 15% tax, while a non-filer could see significantly more deducted. Becoming an active tax filer — a straightforward, one-time IRIS registration — is one of the simplest ways to protect a larger share of any prize bond win, on top of the other withholding tax benefits filers get on banking and property transactions.
Premium Prize Bonds carry a separate 10% withholding tax on their six-monthly profit payment, in addition to any prize draw winnings.
How to Check Prize Bond Results Online
Visit the official National Savings website at savings.gov.pk or a trusted results portal.
Select your bond’s denomination (Rs. 100 to Rs. 40,000).
Enter your bond number(s) — most portals allow checking a single number, a full range, or a bulk list at once.
Results are published the same day as the draw and remain searchable afterward.
Since the move to the Single Common Draw system, checking online is faster and far more reliable than the older method of scanning printed newspaper lists.
Claiming a Prize
Winning bonds must be submitted through a bank branch or National Savings Centre along with your CNIC.
You have 6 years from the draw date to claim a prize. After that, unclaimed prize money is permanently forfeited to the government.
Larger prizes may require additional verification and, for non-filers, will have a higher tax rate withheld automatically before payment.
Where to Buy Prize Bonds
Prize bonds cannot currently be purchased online — they must be bought in person, in cash, with your CNIC, at:
Any State Bank of Pakistan (SBP) branch
National Savings Centres
Counters at most major commercial banks
Frequently Asked Questions
Do prize bonds expire?
No — as long as the National Savings scheme remains active, your bond itself does not expire. Only an unclaimed prize has a claim deadline: 6 years from the draw date.
How often are draws held?
Quarterly for each denomination — four draws per year per bond value, spread across the calendar and rotating host cities.
What’s the difference between National and Premium Prize Bonds?
National (bearer) bonds — Rs. 100 to Rs. 1,500 — are unregistered; whoever holds the physical bond can claim a prize. Premium bonds — Rs. 7,500 to Rs. 40,000 — are registered to your CNIC and also pay six-monthly profit in addition to prize eligibility.
How much tax will I pay if I win?
15% if you’re an active FBR tax filer, and 25–30% if you’re a non-filer, depending on the prize amount. Registering as a filer before claiming a large prize can meaningfully increase your net payout.
Can I check my prize bond result without internet access?
Official results are also published in major newspapers the day after each draw, though the online check via savings.gov.pk is faster and less error-prone.
Can I buy prize bonds online?
Not currently — purchases must be made in person with cash and your CNIC at an SBP branch, National Savings Centre, or participating bank counter.
Final Thoughts
Prize bonds remain a genuinely safe way to park savings in Pakistan while keeping a real, recurring shot at a cash prize — but only if you actually track your draw dates and check your numbers. Bookmark the official schedule for your denomination, register as an active tax filer if you haven’t already, and always verify results through savings.gov.pk or your bank rather than relying on word of mouth.
This guide is for general informational purposes. Draw dates, host cities, and tax rates are set by CDNS, SBP, and FBR respectively, and can be revised — always confirm current details on savings.gov.pk before relying on any specific date or figure.
Saudi Arabia remains one of the top overseas employment destinations for Pakistani workers, from skilled tradesmen and drivers to engineers, healthcare staff, and office professionals. Getting a genuine Saudi work visa involves several official steps — a verified job offer, document attestation, a medical test, and registration with Pakistan’s overseas employment authorities. This 2026 guide walks you through the complete process, required documents, fees, and how to avoid common visa scams.
Types of Saudi Arabia Work Visas for Pakistanis
Individual Employer-Sponsored Visa – for domestic workers or staff hired directly by a Saudi individual (Kafeel)
Company-Sponsored Employment Visa – for workers hired by a registered Saudi company under a formal employment contract
Skilled Professional Visa – for engineers, doctors, nurses, IT professionals, and other qualified specialists
Contractual / Project-Based Visa – for workers hired for a specific project duration through licensed manpower agencies
Eligibility Requirements
Valid Pakistani passport with at least 6 months validity and a minimum of two blank visa pages
A genuine job offer or employment contract from a Saudi-registered employer
Relevant educational certificates or trade/professional qualifications, attested as required by the role
Medical fitness certificate from a GAMCA-approved medical centre in Pakistan
Police Character Certificate from local Pakistani authorities
Registration with the Bureau of Emigration and Overseas Employment (BE&OE), where applicable for the worker category
Documents Required for Saudi Work Visa 2026
Document
Notes
Valid Passport
At least 6 months validity, 2+ blank pages
Employment Contract / Job Offer Letter
Issued by the Saudi employer, specifying role, salary, and duration
Educational / Trade Certificates
Attested by HEC/relevant board and the Ministry of Foreign Affairs (MOFA)
GAMCA Medical Certificate
Issued only by GAMCA-approved medical centres in Pakistan
Police Character Certificate
Issued by local district police
Passport-Size Photographs
As per Saudi visa photo specifications
Protector / BE&OE Registration
Required for most categories of overseas workers before departure
Saudi Work Visa Fees and Charges 2026 (Approximate)
Fee Type
Approximate Cost
Saudi Work Visa Fee
SAR 2,000 – 4,000 (varies by occupation category)
Document Attestation (MOFA/HEC)
PKR 5,000 – 15,000, depending on number of documents
Embassy Visa Processing Fee
PKR 3,000 – 5,000
Police Clearance Certificate
PKR 500 – 1,000
GAMCA Medical Test
Varies by medical centre — confirm current rate locally
Fees change periodically and can vary by occupation, sponsor, and processing agency. Always verify current charges with the Saudi Consulate, GAMCA centre, and BE&OE before making any payment.
Step-by-Step Application Process
Step 1: Secure a Genuine Job Offer
Obtain a formal employment contract from a licensed Saudi employer, either directly or through a manpower agency registered with the Bureau of Emigration and Overseas Employment.
Step 2: Attest Your Documents
Get your educational and professional certificates attested by the relevant Pakistani authorities (HEC, provincial education boards) and the Ministry of Foreign Affairs (MOFA), as required for your job category.
Step 3: Complete Your GAMCA Medical Examination
Visit a GAMCA-approved medical centre in Pakistan for your fitness test. Results are shared directly through the GAMCA system with Saudi authorities.
Step 4: Register with BE&OE (Protector)
Most categories of outgoing workers must register their employment contract with the Bureau of Emigration and Overseas Employment and obtain protector clearance before travel.
Step 5: Submit Your Visa Application
Submit your passport and supporting documents to the Saudi Consulate or through your manpower agency for visa stamping.
Step 6: Visa Stamping and Departure
Once your visa is stamped in your passport, you may book your flight and travel to Saudi Arabia. Your Iqama (residence permit) is typically processed by your employer shortly after arrival.
Beware of “Azad Visa” and Agent Scams
Many fraudulent agents advertise so-called “Azad Visa” (free visa) arrangements at inflated prices, often several hundred thousand rupees, promising freedom to work for any employer without a genuine sponsor relationship. These arrangements are not officially recognised and frequently lead to exploitation, unpaid wages, or deportation. Always verify your employer, agency license, and visa category through the Bureau of Emigration and Overseas Employment before paying any money.
Frequently Asked Questions – Saudi Arabia Work Visa 2026
Can I apply for a Saudi work visa without an agent?
Yes, if you have a direct job offer from a Saudi employer, you can proceed without a recruitment agency. However, using a BE&OE-licensed agency can help with document processing and protector registration.
How long does the Saudi work visa process take?
Processing time varies based on document attestation, medical clearance, and visa stamping schedules, typically ranging from a few weeks to a couple of months. Confirm current timelines with your employer or agency.
Is GAMCA medical test mandatory?
Yes, a medical fitness certificate from a GAMCA-approved centre in Pakistan is required for most Saudi work visa categories before visa stamping.
What is BE&OE Protector registration?
It is a mandatory registration and clearance process through Pakistan’s Bureau of Emigration and Overseas Employment that verifies your employment contract before you are permitted to depart for overseas work.
Can my family join me in Saudi Arabia on a work visa?
Family sponsorship (dependent visa) is generally available to workers meeting a minimum salary threshold set by Saudi authorities. Ask your employer or check current Saudi Ministry of Human Resources rules for eligibility.
Final Thoughts
A Saudi Arabia work visa can be a genuine and rewarding opportunity for Pakistani workers when pursued through legitimate employers and official channels. Always verify your job offer, complete document attestation and medical requirements properly, and register with BE&OE before travel. Avoid agents offering shortcuts or unusually cheap “free visa” deals, as these are common sources of fraud.
Renewing your Pakistani passport got a major update in 2026 with the nationwide rollout of the chip-based e-Passport, replacing the older Machine Readable Passport (MRP). Whether you need a fresh 10-year e-Passport or are renewing an expiring booklet, this guide walks you through the updated 2026 fee structure, required documents, the online application process, and how to track your application status.
Pakistan e-Passport 2026 – What Changed?
The Directorate General of Immigration and Passports (DGIP) has been transitioning applicants from the older 36-page Machine Readable Passport to the new 72-page chip-enabled e-Passport, which meets international ICAO biometric standards. The e-Passport contains an embedded chip storing the holder’s biometric data, offering stronger security and smoother processing at immigration counters worldwide.
Pakistan Passport Renewal Fee 2026
Passport Type
Normal Fee
Urgent Fee
72-page, 10-year e-Passport
PKR 24,750
PKR 40,500
36-page, 5-year MRP (where still applicable)
PKR 4,500
PKR 7,500
Fees are subject to periodic revision by DGIP. Always confirm the current fee on the official DGIP fee schedule or at your passport office before submitting your bank challan.
Documents Required for Passport Renewal 2026
Original and photocopy of valid CNIC / Smart Card / NICOP
Previous passport (original), if renewing an existing passport
Original bank fee payment challan or e-payment confirmation receipt
Passport-size photograph with a white background (as specified by the passport office, though most centres now capture your photo digitally on-site)
Children’s B-Form / CRC, if adding or renewing a minor’s passport
Marriage certificate, if updating marital status on the passport
Proof of profession or occupation, where applicable
How to Apply for Passport Renewal Online – Step by Step
Step 1: Fill the Online Application Form
Visit the official DGIP e-Passport / online passport portal and complete the online application form with your personal details, current address, and passport type (normal or urgent).
Step 2: Pay the Passport Fee
Pay the applicable fee through a designated bank challan or the online payment option shown on the portal. Keep the paid challan or digital receipt safe — you will need it at your appointment.
Step 3: Book Your Passport Office Appointment
Select your preferred Passport Office / Regional Passport Office and choose an available appointment slot for document verification and biometric capture.
Step 4: Visit the Passport Office in Person
Attend your appointment with your original CNIC, previous passport, and fee receipt. Your photograph, fingerprints, and signature will be captured digitally at the counter.
Step 5: Track and Collect Your Passport
Once processing is complete, you can track your application status online or via SMS, and collect your new e-Passport from the same office, or opt for courier delivery where available.
How to Track Your Passport Application Status
Visit the official DGIP tracking page
Enter your application tracking ID or CNIC number as prompted
View your current status: Submitted, In Process, Printed, or Ready for Collection
Normal vs. Urgent Passport – Which Should You Choose?
Category
Typical Use Case
Normal Processing
No immediate travel plans; standard renewal
Urgent Processing
Upcoming travel, visa appointment, or time-sensitive need
Processing times vary by passport office workload and season. Always confirm the current estimated turnaround time directly with your Regional Passport Office before booking urgent travel around it.
Can I renew my Pakistani passport before it expires?
Yes. Most applicants renew several months before expiry, especially since many countries require at least six months of passport validity for entry and visa approval.
Do I need to submit my old passport when renewing?
Yes, your previous original passport should be submitted at the time of application for cancellation and record purposes, unless it has been lost or stolen, in which case a separate lost-passport procedure applies.
Is the e-Passport mandatory now?
DGIP has been progressively rolling out e-Passports across passport offices nationwide. Availability of the legacy MRP may be limited depending on your local office, so check with your nearest Regional Passport Office for the options currently offered.
How can I renew my passport if I am overseas?
Pakistani nationals living abroad can apply for passport renewal through their nearest Pakistani Embassy, Consulate, or High Commission, which coordinates with DGIP for processing and delivery.
What should I do if there is an error on my new passport?
Report any error in your name, date of birth, or other details to the issuing passport office immediately for correction, ideally before you travel.
Final Thoughts
Renewing your Pakistani passport in 2026 is largely an online-first process, with the new e-Passport offering enhanced security and global compatibility. Prepare your documents in advance, pay the correct fee for your chosen processing speed, and always verify current fees and timelines on the official DGIP website before booking travel around your renewal.
The Benazir Income Support Programme (BISP) Kafaalat remains Pakistan’s largest social safety net, providing a quarterly unconditional cash transfer to low-income women across the country. In 2026, registration and eligibility checks are handled through the 8171 web portal and the Dynamic Registration survey. This complete guide explains eligibility, the PMT cut-off score, how to check your status online by CNIC, current payment amounts, and how to resolve common problems with your Kafaalat payment.
What is BISP Kafaalat?
BISP Kafaalat is an unconditional cash transfer programme run by the Benazir Income Support Programme, a federal government institution. Eligible women heads of household receive a quarterly stipend to help meet basic household needs. Eligibility is determined using the National Socio-Economic Registry (NSER) and a Proxy Means Test (PMT) score, which estimates a household’s poverty level based on assets, income indicators, and living conditions rather than self-reported income alone.
BISP Kafaalat 2026 – Key Details
Programme Name
Benazir Income Support Programme (BISP) Kafaalat
Payment Frequency
Quarterly
Current Quarterly Amount
Approx. PKR 13,500 – 14,500 (subject to periodic government revision)
PMT (Proxy Means Test) cut-off score approved by the BISP Board
Disbursement Methods
HBL Konnect, mobile wallets, designated bank branches, and cash points
Eligibility Criteria for BISP Kafaalat 2026
Applicant must be a Pakistani citizen with a valid CNIC
Preference is given to women heads of household, widows, and women with disabled or elderly dependents
Household PMT score must fall within the poverty cut-off approved by the BISP Board
Applicant must not be a serving or retired government employee
Applicant must not be an active income tax filer
Household must not already be receiving duplicate benefits under the same CNIC
How to Register for BISP Kafaalat 2026
Step 1: Locate Your Nearest Registration Centre
Visit the nearest BISP Tehsil Office or an NSER Registration Centre in your area. You can find the nearest centre by calling the BISP helpline or asking at your local Tehsil Municipal Office.
Step 2: Complete the Dynamic Registration Survey
A BISP-authorised enumerator will record your household details, including family members, assets, income sources, and living conditions, directly into the NSER system. Bring your original CNIC and, if applicable, your children’s B-Forms.
Step 3: Wait for PMT Score Calculation
Your household’s PMT score is calculated automatically based on the survey data. If your score falls below the approved poverty cut-off, your household becomes eligible for Kafaalat payments.
Step 4: Biometric Verification
Once approved, you will need to complete biometric verification at a designated BISP payment point or partner bank to activate your payment account.
How to Check BISP Kafaalat Eligibility Online by CNIC (8171 Portal)
Open the official 8171 web portal at 8171.bisp.gov.pk
Enter your 13-digit CNIC number without dashes
Enter the security code (captcha) shown in the image
Click submit to view your eligibility status, PMT score category, and payment history
You can also check your status via SMS by sending your CNIC number to 8171 from your registered mobile number.
Common Reasons for Ineligibility or Payment Suspension
PMT score above the approved poverty cut-off
Household head recorded as a government employee or taxpayer
CNIC has expired and has not been renewed with NADRA
Biometric verification not completed within the required time
Household information changed since the last NSER survey (marriage, death, change of address)
Duplicate or conflicting registration under the same family
Frequently Asked Questions – BISP Kafaalat 2026
How can I check my BISP payment by CNIC?
Visit 8171.bisp.gov.pk and enter your CNIC number with the security code, or send your CNIC number via SMS to 8171 from your registered mobile number.
What is the PMT score cut-off for BISP eligibility?
The PMT cut-off is reviewed periodically by the BISP Board based on available fiscal space. Households scoring below the approved threshold are considered eligible for Kafaalat payments.
Can I register for BISP without visiting an office?
New registrations and updates to household data must currently be completed through the NSER Dynamic Registration Survey at a BISP Tehsil Office or registration centre, since biometric and in-person verification are required.
Why did my BISP payment stop?
Payments are commonly suspended due to an updated PMT score, incomplete biometric verification, an expired CNIC, or discrepancies found during periodic re-verification surveys. Visit your nearest BISP office with your CNIC to resolve the issue.
Is BISP Kafaalat the same as Benazir Taleemi Wazaif?
No. Kafaalat is the unconditional quarterly cash transfer for eligible women, while Benazir Taleemi Wazaif is a separate conditional education stipend for children from Kafaalat-eligible households who are enrolled in school.
Final Thoughts
BISP Kafaalat continues to be a lifeline for millions of low-income households across Pakistan. If you believe your household qualifies, visit your nearest BISP registration centre to complete the NSER survey, and regularly check your status through the official 8171 portal. Always rely only on the official BISP website and helpline — never share your CNIC or personal details with unofficial agents claiming to guarantee registration.
The PM Youth Business Loan (also known as PMKJ-AAA — Prime Minister Kamyab Jawan Asaan Amdan) is one of the most important government-backed loan schemes in Pakistan, designed specifically to empower youth, women, and aspiring entrepreneurs with access to low-cost business financing. If you are between 18 and 45 years old and have a business idea or want to expand an existing business, this comprehensive 2026 guide will walk you through everything you need to know — eligibility, loan tiers, required documents, and step-by-step online application process.
What is the PM Youth Business Loan (PMKJ-AAA)?
The PM Youth Business Loan scheme, officially called Kamyab Jawan – Asaan Amdan (PMKJ-AAA), is a government subsidy-backed loan scheme launched under the Prime Minister’s Youth Programme. It provides concessionary financing through partner banks to eligible Pakistani youth who want to start or grow their businesses. The government provides an interest rate subsidy of up to 5%, making this one of the most affordable loan products available in Pakistan for young entrepreneurs.
Education: No minimum education requirement for Tier 1 — higher tiers may require a business plan
Credit History: No existing active default or written-off loans on eCIB record
Priority Groups: Women entrepreneurs, persons with disabilities, and youth from less-developed areas receive priority processing
PM Youth Loan Tiers Explained
Tier 1: PKR 100,000 – PKR 500,000 (0% Interest)
Tier 1 is designed for micro-entrepreneurs and first-time business starters. The most attractive feature is the zero percent (0%) interest rate — fully subsidized by the government. No collateral is required. This tier targets very small businesses like street food stalls, small shops, tailoring, mobile repair, beauty parlors, and similar micro-enterprises. This is the most popular tier due to the zero interest rate.
Tier 2: PKR 500,001 – PKR 1,500,000 (5% p.a.)
Tier 2 is for small businesses that need more capital. The government subsidizes the interest so the borrower only pays 5% per annum. No collateral is required for this tier either. Examples include small manufacturing units, grocery stores, transport vehicles, small IT businesses, and agriculture-based enterprises. A basic business plan is usually required.
Tier 3: PKR 1,500,001 – PKR 7,500,000 (7% p.a.)
Tier 3 is for medium-sized businesses seeking larger financing. The borrower pays 7% per annum. Collateral is required for this tier. This targets established small-to-medium enterprises looking to expand operations, purchase equipment, or scale production. A detailed business plan and financial projections are required.
Documents Required for PM Youth Business Loan
For All Tiers:
Copy of valid CNIC (front and back)
CNIC of spouse (if married)
Two recent passport-size photographs
Proof of business address (utility bill, rental agreement, or property documents)
Completed application form (filled online via pmkamyabjawan.gov.pk)
For Tier 2 and Tier 3 (Additional Documents):
Business registration certificate (SECP, NTN, or local municipality registration)
Business plan or project proposal (detailing revenue projections, market, and operations)
Last 6 months’ bank statements (business account if applicable)
NTN (National Tax Number) from FBR
Quotations or invoices for equipment/inventory to be purchased
For Tier 3: collateral documents (property deed, ownership documents)
How to Apply for PM Youth Business Loan 2026 – Step by Step
Step 1: Visit the Official Portal
Go to the official PM Kamyab Jawan portal at pmkamyabjawan.gov.pk. This is the only official government website for applying. Avoid third-party websites or agents claiming to facilitate PM Youth Loans — many are fraudulent.
Step 2: Register / Create Your Account
Click on “Apply Now” and register using your CNIC number and mobile number. Verify your account via the OTP sent to your registered mobile number. Create a strong password and log in to your applicant dashboard.
Step 3: Fill in the Online Application Form
Complete the online application form with accurate information including personal details (CNIC, date of birth, address), business information (business name, nature, location, sector), loan amount required and tier selection, and bank preference from the list of partner banks. Double-check all information before submitting — incorrect data may cause rejection.
Step 4: Upload Required Documents
Upload scanned copies or clear photographs of all required documents listed above. Ensure documents are legible and not expired. The portal has a file size limit — compress large PDFs if needed.
Step 5: Submit Your Application
Review your entire application and submit. You will receive a Reference Number — save this for tracking. A confirmation SMS will be sent to your registered mobile number.
Step 6: Bank Verification and Processing
The application is forwarded to your selected partner bank. A bank officer will contact you for document verification and may schedule a physical visit to your business premises (especially for Tier 2 and Tier 3). The bank will conduct a credit check via eCIB and assess your business viability.
Step 7: Loan Approval and Disbursement
If approved, you will sign a loan agreement with the bank. The loan amount is disbursed to your designated bank account. Processing times vary by bank and tier — typically 2 to 8 weeks from application submission to disbursement.
Partner Banks for PM Youth Business Loan 2026
Bank
Tiers Available
HBL (Habib Bank Limited)
Tier 1, 2, 3
NBP (National Bank of Pakistan)
Tier 1, 2, 3
MCB Bank
Tier 1, 2, 3
UBL (United Bank Limited)
Tier 1, 2, 3
Bank Alfalah
Tier 1, 2, 3
Meezan Bank (Islamic)
Tier 1, 2, 3
Zarai Taraqiati Bank (ZTBL)
Agriculture sector
SME Bank
Tier 2, 3
Top Business Sectors Under PM Youth Loan Pakistan 2026
The PM Youth Business Loan supports a wide range of business sectors. High-priority and commonly funded sectors include Agriculture and livestock farming, food processing and restaurants, IT and freelancing setups, retail shops and wholesale trade, transport and logistics, beauty salons and grooming services, manufacturing and cottage industry, construction materials supply, electronics and mobile repair, and education and tutoring services. You do not need to be in a specific sector — virtually any lawful small or medium business is eligible.
How to Check PM Youth Loan Application Status
Visit pmkamyabjawan.gov.pk
Log in to your applicant account using your CNIC and password
Navigate to “My Applications” in the dashboard
Your current application status will be displayed: Submitted, Under Review, Approved, or Rejected
You can also check status via your registered mobile number by calling the helpline at 0800-26822
Common Reasons for PM Youth Loan Rejection
Active default or write-off on eCIB credit record (most common reason)
Age not within the 18–45 range
Incomplete or illegible documents uploaded
Business located outside Pakistan or in an ineligible sector
Business plan not convincing or lacking financial projections (Tier 2 and 3)
Applying for a loan amount beyond what your business can realistically repay
Using someone else’s CNIC or providing false information
Multiple simultaneous applications — only one active PM Youth Loan per applicant is allowed
PM Youth Business Loan vs. Other Govt. Loan Schemes 2026
Scheme
Max Amount
Rate
Target
PMKJ-AAA (PM Youth Loan)
PKR 7,500,000
0–7% p.a.
18–45 year old entrepreneurs
Kamyab Pakistan Program
PKR 500,000
5% p.a.
Micro businesses & housing
SMEDA SME Loan
PKR 25,000,000
Market rate
Established SMEs
ZTBL Agriculture Loan
Varies
Subsidized
Farmers and agri-businesses
SBP Refinance Schemes
Varies
3–5% p.a.
Specific sectors (manufacturing, renewable)
Frequently Asked Questions – PM Youth Loan 2026
Can a student apply for PM Youth Business Loan?
Yes. As long as you are between 18 and 45 years old and have a valid CNIC, even students can apply — as long as you have a viable business plan. There is no requirement to be currently employed or to have an established business for Tier 1 applicants.
Can women apply for PM Youth Loan?
Absolutely. Women entrepreneurs are given priority in the PM Youth Business Loan programme. The government has reserved a significant portion of the total loan disbursement quota specifically for women-owned businesses. Women can apply for all three tiers with the same process as male applicants.
Is the PM Youth Business Loan halal?
Yes, for applicants who prefer Sharia-compliant financing, you can select Meezan Bank as your partner bank. Meezan Bank offers the PM Youth Loan through Islamic financing modes (Murabaha, Diminishing Musharakah) at the same government-subsidized profit rates, making it fully Sharia-compliant.
How long does it take for PM Youth Loan to be approved?
Processing times vary by bank and application completeness. Typically, from the date of online application submission to final disbursement, it takes approximately 4 to 8 weeks. Tier 1 applications are generally processed faster than Tier 2 and Tier 3.
Can I apply for PM Youth Loan if I already have a loan?
You can have other loans, but you must not have an active default or write-off on your eCIB (credit bureau) record. If you have a running loan that you are repaying on time, you may still be eligible. However, only one active PM Youth Loan is permitted per CNIC at any time.
What is the official website for PM Youth Business Loan?
The only official portal is pmkamyabjawan.gov.pk. Be careful of scam websites that impersonate this portal. Always check the URL carefully before entering your CNIC or personal information. The government never charges an application fee.
Final Thoughts
The PM Youth Business Loan 2026 is a genuine and powerful opportunity for Pakistani youth, women, and entrepreneurs to access affordable business financing. With Tier 1 offering a 0% interest rate, it is one of the most attractive loan products in Pakistan’s history. If you have a business idea or want to scale an existing venture, apply as soon as possible via the official portal. Make sure your documents are complete, your business plan is solid, and your eCIB record is clean for the best chance of approval.
If you are looking for a personal loan from Pakistan’s largest and most trusted bank, HBL (Habib Bank Limited) offers one of the most popular personal loan products in the country. Whether you need funds for a medical emergency, home renovation, education, wedding expenses, or any personal need — the HBL Personal Loan provides fast approval, flexible repayment, and competitive rates. This complete 2026 guide covers everything you need to know: eligibility, interest rates, required documents, and step-by-step application process.
What is HBL Personal Loan?
HBL Personal Loan (also known as HBL CashLine) is an unsecured consumer loan offered to salaried individuals and self-employed professionals. It allows you to borrow a lump sum amount that you repay in fixed monthly installments (EMIs) over a set tenure. No collateral or guarantor is required, making it one of the most accessible personal loan products in Pakistan.
HBL Personal Loan Highlights 2026
Feature
Details
Loan Amount
PKR 25,000 – PKR 3,000,000
Tenure
1 to 5 years (12 to 60 months)
Interest Rate
Starting from 27% – 35% per annum (variable, linked to KIBOR)
Processing Fee
1% – 2% of loan amount
Collateral
Not required (unsecured)
Application
Online via HBL Mobile App, branch, or HBL website
Approval Time
3–7 working days
Early Settlement
Allowed (charges may apply)
HBL Personal Loan Eligibility Criteria 2026
To qualify for an HBL Personal Loan in Pakistan, you must meet the following requirements:
Nationality: Pakistani national with a valid CNIC
Age: Minimum 21 years — Maximum 60 years (at the time of loan maturity)
Employment: Salaried employees of government, semi-government, or reputable private sector companies; or self-employed professionals
Minimum Income: PKR 25,000 per month (net take-home salary) for salaried individuals
Job Tenure: Minimum 6 months in current employment (1 year preferred)
Credit History: Clean credit history with no active defaults on eCIB (Credit Information Bureau)
HBL Account: Having an existing HBL salary or current account increases approval chances but is not always mandatory
HBL Personal Loan Interest Rate 2026
HBL Personal Loan interest rates in Pakistan are linked to the KIBOR (Karachi Interbank Offered Rate) plus a fixed spread. As of mid-2026, following the State Bank of Pakistan’s (SBP) monetary policy easing cycle, rates have been trending downward. The current indicative rate ranges between 27% and 35% per annum depending on your loan amount, tenure, income, and credit profile. Always confirm the exact rate at your nearest HBL branch or the HBL website before applying, as rates are subject to change with each SBP monetary policy review.
Sample Monthly Installment (EMI) Calculation
Loan Amount (PKR)
Tenure
Approx. Monthly EMI (at 30% p.a.)
100,000
1 year
~PKR 9,500 – 10,000
300,000
2 years
~PKR 16,500 – 17,500
500,000
3 years
~PKR 19,000 – 21,000
1,000,000
5 years
~PKR 28,000 – 31,000
Note: These are approximate figures for illustration. Actual EMI may vary based on the prevailing KIBOR rate and your individual loan terms.
Documents Required for HBL Personal Loan in Pakistan
You will need to submit the following documents when applying for an HBL Personal Loan:
For Salaried Employees:
Completed HBL Personal Loan application form
Copy of valid CNIC (both sides)
Latest 3 months’ salary slips (signed and stamped by employer)
Latest 3 months’ bank statements showing salary credit
Employment letter / appointment letter on company letterhead
One recent passport-size photograph
For Self-Employed / Business Owners:
Completed HBL Personal Loan application form
Copy of valid CNIC (both sides)
Latest 6 months’ bank statements (business and personal)
Business registration certificate or NTN certificate
Last 2 years’ audited financial statements or income tax returns
One recent passport-size photograph
How to Apply for HBL Personal Loan in Pakistan 2026
There are three ways to apply for an HBL Personal Loan:
Method 1: Apply Online via HBL Mobile App or Website
Download the HBL Mobile App from Google Play Store or Apple App Store, or visit hbl.com
Log in to your HBL account or register if you are a new customer
Go to the “Loans” or “Apply for Loan” section
Select “Personal Loan / CashLine”
Fill in the online application form with your personal, employment, and income details
Upload scanned copies of required documents (CNIC, salary slips, bank statements)
Submit the application and note your reference number
An HBL representative will contact you within 1–3 working days for verification
Once approved, the loan amount is disbursed directly to your HBL account
Method 2: Apply at Any HBL Branch
Visit your nearest HBL branch across Pakistan
Request a Personal Loan application form from the customer service desk
Fill in the form carefully with accurate information
Attach all required original and photocopied documents
Submit to the bank officer — they will guide you through the process
The bank will conduct a credit check and income verification
Approval typically takes 3–7 working days
Method 3: Apply via HBL PhoneBank
Call HBL’s 24/7 customer service at 111-111-425 to enquire about personal loan options and initiate your application over the phone. An HBL representative can guide you through pre-qualification and arrange a branch appointment.
HBL Personal Loan Approval Process — Step by Step
Application Submission — Submit your online or branch application with all documents
Credit Check — HBL checks your eCIB report from the State Bank of Pakistan
Income Verification — Bank verifies your salary with your employer
Document Review — All submitted documents are reviewed for authenticity
Loan Assessment — Credit department assesses your repayment capacity (Debt Burden Ratio)
Approval / Rejection — Decision communicated within 3–7 working days
Loan Agreement — If approved, you sign the loan agreement at the branch
Disbursement — Loan amount credited to your bank account
Reasons HBL Personal Loan Applications Get Rejected
Poor eCIB credit history (existing defaults or late payments)
Insufficient income (salary below the minimum threshold)
High debt burden ratio (too many existing loans or credit cards)
Incomplete or incorrect documentation
Short employment tenure (less than 6 months)
Working in a blacklisted company or unstable sector
Discrepancies between declared income and bank statements
HBL Personal Loan vs. Other Bank Loans in Pakistan 2026
Bank
Max Loan Amount
Approx. Rate
Max Tenure
HBL Personal Loan
PKR 3,000,000
27%–35% p.a.
5 years
MCB Personal Loan
PKR 2,000,000
28%–36% p.a.
5 years
UBL Personal Loan
PKR 2,500,000
28%–35% p.a.
5 years
Meezan Bank Islamic Loan
PKR 2,000,000
Diminishing Musharakah
5 years
Bank Alfalah Personal Loan
PKR 2,000,000
27%–34% p.a.
4 years
Tips to Increase Your HBL Personal Loan Approval Chances
Maintain a clean eCIB credit history — pay all credit cards and loans on time
Apply for a loan amount within your repayment capacity (EMI should not exceed 40% of net salary)
Keep your salary account at HBL — existing customers get faster processing
Ensure your employment letter is current and company stamp matches your salary slip
Avoid applying for multiple loans simultaneously — it negatively impacts your credit score
Provide complete and accurate documents — any discrepancy causes delays or rejection
Frequently Asked Questions (FAQs) — HBL Personal Loan Pakistan 2026
Can I apply for an HBL Personal Loan without an HBL account?
Yes, you can apply even if you do not have an HBL account. However, having an existing HBL salary account significantly speeds up the approval process and may result in better loan terms.
What is the minimum salary for HBL Personal Loan?
The minimum net monthly salary is approximately PKR 25,000 for salaried individuals. This threshold may vary depending on the loan product and the applicant’s city of residence.
How long does HBL Personal Loan approval take?
After submitting a complete application with all required documents, HBL typically takes 3 to 7 working days to approve or reject a personal loan application. Online applications may be processed faster.
Can I repay my HBL Personal Loan early?
Yes. HBL allows early repayment (prepayment) of personal loans, but an early settlement fee (typically 2%–5% of the outstanding principal) may apply. Confirm the exact charges with your branch before proceeding.
Is HBL Personal Loan halal / Sharia-compliant?
The standard HBL Personal Loan is a conventional interest-based product. If you are looking for a Sharia-compliant option, HBL Islamic Banking offers a Murabaha or Diminishing Musharakah financing facility. You can contact HBL Islamic branches for details.
Final Thoughts
The HBL Personal Loan in Pakistan 2026 remains one of the most accessible and flexible unsecured loan options for salaried employees and self-employed professionals. With a simple online application, no collateral requirement, and fast approval, it suits a wide range of financial needs. Before applying, compare rates across banks, calculate your EMI affordability, and ensure your credit history is clean for the best chance of approval.
Last Updated: June 2026 | Source: FBR Official Website (fbr.gov.pk) & IRIS Portal (iris.fbr.gov.pk)
Every year, millions of Pakistanis unknowingly pay extra taxes on mobile top-ups, bank transactions, property purchases, and vehicle registrations — simply because they are not registered as tax filers with the Federal Board of Revenue (FBR). The difference between being a filer and a non-filer in Pakistan can mean thousands of rupees in savings annually, plus access to loans, property transactions, and government contracts.
Whether you are a salaried employee, a freelancer earning from Upwork or Fiverr, or a small business owner, this step-by-step guide explains exactly how to register with FBR, file your income tax return using the IRIS 2.0 portal, and become an Active Taxpayer in Pakistan in 2026. The tax filing deadline is September 30, 2026 — start now to avoid late filer penalties.
What Is a Tax Filer and Why Does It Matter?
In Pakistan, a tax filer is any person or entity that files an Income Tax Return with FBR and appears on the Active Taxpayer List (ATL). The ATL is published weekly by FBR and is freely searchable at fbr.gov.pk. Being on this list means you are classified as a “filer” and enjoy significantly lower withholding tax rates across dozens of financial and government transactions.
Key Benefits of Becoming a Tax Filer in Pakistan 2026
Lower withholding tax on bank transactions — Filers pay 0.6% on cash withdrawals above Rs. 50,000; non-filers pay 1.2%. The saving is significant for active bank account holders.
Lower property tax rates — On sale of property, filers pay lower capital gains tax (CGT) and withholding tax under Sections 236C and 236K compared to non-filers who pay up to 50% more.
Lower vehicle registration tax — When buying or transferring a vehicle, filers save significantly at excise offices. Non-filer surcharge can add tens of thousands of rupees per transaction.
Lower mobile top-up tax — Non-filers pay a higher withholding tax rate on mobile recharges, meaning even small everyday expenses cost more.
Access to government procurement and tenders — Government contracts and many formal sector business opportunities require filer status as a mandatory condition.
Easier loan and credit approvals — Banks and financial institutions increasingly require ITR (Income Tax Return) documents as proof of income for personal and business loans.
Overseas Pakistanis property transactions — FBR 2026 rules require filer status for property transactions involving overseas Pakistanis to benefit from concessional rates.
Who Must File an Income Tax Return in Pakistan?
Under the Income Tax Ordinance 2001, the following persons are legally required to file an income tax return in Pakistan:
Every person whose annual income exceeds the basic exemption threshold (Rs. 600,000 per year for salaried individuals as of 2026)
Any person who owns a motor vehicle (cars, jeeps, etc.)
Any person who holds a national bank account with transactions exceeding Rs. 500,000 in a year
Any person who paid utility bills of Rs. 500,000 or more during the year
Any person who is a member of a club with a membership fee of Rs. 200,000 or more
Any person who has travelled abroad (even if income is below the threshold)
Any business owner, self-employed person, or freelancer earning from any source
Even if you are below the income threshold, voluntarily filing your tax return makes you a filer and saves you money on every withholding tax deduction throughout the year.
Documents Required to Register and File Tax Return in Pakistan
Before you begin the registration process on the FBR IRIS portal, have the following ready:
Original CNIC (Computerised National Identity Card)
Mobile SIM registered in your own name (against your CNIC) — required for OTP verification
Personal email address belonging to you (not shared with someone else)
Bank account number (if applicable, for declaring assets)
Employer NTN and tax deduction certificate (Form 16 or salary certificate for salaried employees)
Business registration documents (for business owners — NTN, SECP registration, partnership deed, etc.)
Property documents (if you own any immovable property)
Vehicle registration certificate (if you own a vehicle)
Freelancing income records (PayPal/Payoneer/bank statements showing foreign income — for freelancers)
Step-by-Step Guide: How to Register on FBR IRIS and Become a Tax Filer in 2026
Step 1 — Register for NTN (National Tax Number) on IRIS
Open your browser and go to iris.fbr.gov.pk. This is FBR’s official IRIS 2.0 portal for all income tax services. On the homepage, click “Registration for Unregistered Person” if you are filing for the first time.
Enter your CNIC number and the registered mobile number linked to your CNIC. FBR will send a one-time password (OTP) to your mobile. Enter the OTP to proceed. You will then be asked to set a password for your IRIS account. Choose a strong password and note it down safely.
Upon successful registration, FBR automatically assigns you a National Tax Number (NTN). For individual taxpayers, the NTN is the same as your CNIC number (13 digits). You will receive an email confirmation with your NTN details.
Step 2 — Log Into the IRIS 2.0 Portal
After registration, go to iris.fbr.gov.pk and log in with your CNIC/NTN and the password you set. The IRIS 2.0 dashboard gives you access to all your tax services including return filing, wealth statements, and payment history.
Step 3 — Update Your Profile and Personal Details
Before filing a return, complete your taxpayer profile. Go to “My Profile” and fill in your complete personal details including:
Full name (as on CNIC)
Date of birth
Residential address
Business activity or employment category
Bank account details (IBAN)
Accurate profile information is critical. Errors in your profile can cause your return to be flagged for audit or cause verification issues with FBR.
Step 4 — Select the Correct Income Tax Return Form for 2026
In IRIS, go to “Declarations” and then select “Income Tax Return”. FBR provides different return forms depending on your taxpayer category. For the 2025-26 tax year (return due September 30, 2026), select:
Individual Salaried — If your primary income source is a salary from an employer
Individual (Business) — If you are self-employed, a freelancer, or run your own business
Association of Persons (AOP) — For partnerships and joint ventures
Company — For registered companies (Pvt. Ltd., etc.)
Step 5 — Declare Your Income
Fill in your income details for the tax year (July 1, 2025 to June 30, 2026). Different income sources are declared under different heads:
Salary Income — Enter your gross annual salary, employer NTN, and tax deducted by employer (from your salary certificate/Form 16)
Freelancing / Export of IT Services — Income earned from foreign clients via platforms like Upwork, Fiverr, Freelancer.com is categorized under “Income from Business.” Pakistan offers a 0% tax rate on IT export income (verified through bank channels) under FBR’s IT Export facilitation — ensure you have bank statements showing foreign remittances
Rental Income — Declare income received from renting out property
Business Income — Gross revenue minus business expenses for shop owners, contractors, and service providers
Other Income — Profit on bank deposits, dividends, prize money, etc.
Step 6 — Declare Your Assets and Liabilities (Wealth Statement)
Along with the income return, FBR requires individual taxpayers to file a Wealth Statement (also called the Statement of Assets and Liabilities). This is mandatory and must reconcile with the previous year’s wealth statement. Declare all assets including:
Immovable property (plots, homes, commercial buildings) — at FBR valuation or actual purchase value
Vehicles (car, motorcycle, etc.) — current market value
Cash in hand and bank balances
Shares, mutual funds, and investments
Jewellery and other valuables
Liabilities (loans, mortgages)
The difference between your opening and closing wealth must be explained by your declared income minus your declared personal expenses. This is called Wealth Reconciliation and is a common area where FBR raises audit notices. Be careful to ensure your numbers add up correctly.
Step 7 — Calculate and Pay Your Income Tax
Once you fill in your income declaration, IRIS automatically calculates your tax liability based on the applicable tax slabs for the 2025-26 tax year. The 2026 income tax slabs for salaried individuals are progressive — income up to Rs. 600,000 is exempt; above that, rates range from 2.5% to 35% depending on the income bracket.
If tax is already deducted by your employer (shown on your salary certificate), that amount will be adjusted against your total liability. If there is a shortfall, you need to pay the balance. If you overpaid, you can claim a refund through the IRIS portal.
Pay any outstanding tax through FBR’s e-Payment system at fbr.gov.pk using your bank account, debit card, or via your bank’s online portal using the PSID (Payment Slip ID) generated by IRIS.
Step 8 — Submit the Return and Download Acknowledgement
After completing all sections and paying any outstanding tax, click “Submit” in IRIS. The system will validate your return and generate an Acknowledgement Receipt with a unique return number. Download and save this receipt — it is your proof of filing and may be required for bank loans, visa applications, and property transactions.
Step 9 — Verify Your Active Taxpayer Status (ATL)
After filing, check the Active Taxpayer List (ATL) at fbr.gov.pk/categ/atl. The ATL is updated weekly. Your name typically appears within 2–5 days of a successful return submission. You can also check your ATL status by sending an SMS: type your CNIC number and send to 9966. A reply confirming your ATL status means you are now an official tax filer.
Special Guide for Freelancers: How to File FBR Tax Return in 2026
Pakistan’s freelancers are the country’s fastest-growing income earner category — with over 1.5 million registered on global platforms. If you earn income from foreign clients via platforms like Upwork, Fiverr, Toptal, or direct contracts, here is what you need to know for FBR 2026:
Freelance income qualifies as export of IT services and is currently exempt from income tax in Pakistan provided it is received through proper banking channels (Pakistani bank account or PayPal/Payoneer converted and received in Pakistan).
You must still file a return even if your income is tax-exempt. The return simply shows zero tax payable, but filing it makes you a registered filer on the ATL.
Declare your foreign income under “Income from Business” and select the sub-category for IT exports. Attach bank statements showing inward remittances as documentary evidence.
Open a freelancer’s bank account (most major Pakistani banks offer dedicated freelancer accounts with lower conversion fees). Income must flow through regulated banking channels to qualify for tax exemption.
FBR Tax Filing Deadlines 2026
Taxpayer Category
Tax Year
Filing Deadline
Salaried Individuals
2025-26 (July 2025 – June 2026)
September 30, 2026
Business / Self-Employed
2025-26
September 30, 2026
Freelancers
2025-26
September 30, 2026
Companies (non-special tax year)
2025-26
December 31, 2026
AOP (Association of Persons)
2025-26
September 30, 2026
Late Filing Penalty: Filing after the deadline attracts a penalty of Rs. 1,000 per week or part thereof, up to a maximum of Rs. 50,000. More importantly, late filers are classified as “late filers” on the ATL for one year, meaning they still pay higher withholding tax rates until the following ATL cycle.
Withholding Tax Rates: Filer vs Non-Filer Comparison 2026
Transaction Type
Filer Rate
Non-Filer Rate
Cash withdrawal above Rs. 50,000
0.6%
1.2%
Property purchase (Section 236K)
3%
6%
Property sale (Section 236C)
4%
8%
Vehicle purchase (1300cc–2000cc)
5%
10%
Vehicle purchase (above 2000cc)
7%
14%
Mobile phone top-up
12.5%
15%
Dividend income
15%
30%
Prize / Lottery winnings
15%
30%
The table above shows why becoming a filer can save you significantly — especially on property transactions where the difference can amount to hundreds of thousands of rupees on a single deal.
How to Check Your Filer Status (ATL Check) in 2026
You can verify your Active Taxpayer status through three methods:
FBR Website — Go to fbr.gov.pk and click “ATL (Income Tax)” under Online Services. Enter your CNIC or NTN to see your status.
SMS — Type your 13-digit CNIC number (without dashes) and send to 9966. You will receive a reply indicating whether you are Active, Inactive, or Not Registered.
IRIS Portal — Log in to iris.fbr.gov.pk and check your compliance status on the dashboard.
FBR Helpline and Contact Information 2026
National Helpline: 051-111-772-772 (Monday to Friday, 8:00 AM to 11:30 PM)
International (for Overseas Pakistanis): +92-51-111-772-772
Exclusive line for women taxpayers: 051-9107025 (8:00 AM to 4:00 PM)
Email: helpline@fbr.gov.pk
IRIS Portal: iris.fbr.gov.pk
Official Website: fbr.gov.pk
Frequently Asked Questions (FAQs)
Is it mandatory to file an income tax return if I earn below Rs. 600,000?
Technically, those earning below the exemption threshold (Rs. 600,000/year for salaried) are not legally obligated to file. However, voluntary filing is highly recommended because it puts you on the Active Taxpayer List (ATL), saving you thousands in withholding taxes throughout the year. The filing itself is free and takes less than an hour once you understand the process.
How long does it take to appear on the FBR Active Taxpayer List?
After filing your return, it typically takes 2–7 days for your name to appear on the ATL. The ATL is updated weekly by FBR, usually on Mondays. You can check your status via SMS to 9966 or on the FBR website.
Can I file my tax return myself or do I need a tax consultant?
Simple returns (salaried employees with a single employer) can be filed easily on your own through the IRIS portal. Freelancers and business owners with multiple income sources, assets, and expenses may benefit from a tax consultant (Chartered Accountant or tax practitioner) to ensure correct wealth reconciliation and minimize audit risk. FBR also offers free video tutorials on its website for self-filers.
What is the penalty for not filing an income tax return in Pakistan?
If you are required to file (i.e., you meet any of the mandatory criteria) and you don’t, FBR can impose a penalty of 0.1% of your tax payable per week (minimum Rs. 40,000). Additionally, non-compliance can lead to audit notices, recovery proceedings, and disqualification from government contracts and banking concessions.
Do freelancers earning in USD need to pay income tax in Pakistan?
Freelancers whose income qualifies as “export of IT services” and is received through official banking channels currently benefit from income tax exemption on such foreign-source income under FBR’s IT export promotion policy. However, you must still file a return to be classified as a filer on the ATL. The return simply shows zero tax payable on the exempt income. Check the latest FBR notifications as the policy is reviewed periodically with each Finance Act.
What is the difference between NTN and ATL?
Your NTN (National Tax Number) is your unique registration number with FBR — for individuals, this is the same as your CNIC. Having an NTN just means you are registered. The ATL (Active Taxpayer List) is the annual list of all people who have actually filed their income tax return for the most recent tax year. You need to file a return each year to remain on the ATL. NTN without a filed return does not make you a “filer.”
Can a housewife or unemployed person file a tax return?
Yes. Even if you have no income, you can file a “nil return” (showing zero income) on the IRIS portal. This puts you on the ATL as a filer and saves you money on withholding taxes on bank transactions, mobile top-ups, and other transactions. Many homemakers and students in Pakistan file nil returns specifically to benefit from lower withholding tax rates.
Final Tips for a Smooth FBR Tax Filing Experience in 2026
File early. Don’t wait until the September 30 deadline. IRIS servers get extremely slow in the last few days as millions of returns are submitted simultaneously. Filing in July or August is much smoother.
Keep your mobile SIM active. Your CNIC-registered SIM is essential for all OTP-based verifications on IRIS. A blocked or inactive SIM will prevent you from logging in.
Reconcile your wealth carefully. The most common reason for FBR audit notices is wealth reconciliation errors. Make sure the increase in your assets is fully explained by your declared income minus your declared expenditure.
Save all financial records. Keep salary certificates, bank statements, property documents, vehicle registration papers, and utility bills for at least 6 years — FBR can audit up to 6 years of past returns.
Watch for Finance Act 2026 changes. FBR has released the Finance Act 2026 (as of June 2026). Review any changes in tax slabs and withholding rates before filing your return. Key updates are available on fbr.gov.pk under the Press Releases section.
Becoming a tax filer in Pakistan in 2026 is one of the smartest financial decisions you can make. The process through IRIS 2.0 is significantly improved and takes just a few hours for most individuals. The savings on withholding taxes alone typically far exceed the small time investment required — and you gain access to a range of financial and government services that are restricted for non-filers.
Source: Federal Board of Revenue official website (fbr.gov.pk), Finance Act 2026, IRIS 2.0 Portal (iris.fbr.gov.pk). Information accurate as of June 30, 2026.
Last Updated: June 2026 | Source: NADRA Official Website (nadra.gov.pk)
Your CNIC (Computerised National Identity Card) is the single most important identity document you own as a Pakistani citizen. It is required for everything — opening a bank account, buying a SIM, registering a vehicle, getting a job, voting, travelling within Pakistan, and dozens of other everyday activities. Yet thousands of Pakistanis every day struggle with CNIC renewal because the official process is confusing, fees change, and the online PakID app steps are poorly documented.
This guide gives you everything you need in one place — the latest 2026 fees from NADRA’s official website, the step-by-step process both online (via the PakID App) and at the NADRA Registration Centre (NRC), all required documents, how to track your application, and answers to the most common problems Pakistanis face.
What Is CNIC and When Does It Expire?
A CNIC is issued under Section 9 & 10 of the NADRA Ordinance 2000 and is valid for 10 years from the date of issuance. NADRA currently issues three types of identity cards:
CNIC (Teslin-based) — The standard card most Pakistanis carry, made from durable Teslin material.
Smart CNIC (Polycarbonate) — An upgraded card with a secure microchip, enhanced security features, and longer durability. This is the recommended version for anyone applying or renewing in 2026.
CNIC with QR Code — A newer version that includes a machine-readable QR code for faster digital verification at government offices, banks, and airports.
Check the expiry date printed on the front of your card. If it has already expired or will expire within the next 6 months, you should start the renewal process now to avoid penalties and service disruptions.
NADRA CNIC Renewal Fees 2026 (Official Rates)
The following fees are taken directly from NADRA’s official fee structure page (last updated June 12, 2026). There are three priority categories — Normal, Urgent, and Executive — which determine both the fee and processing time.
Standard CNIC (Teslin) Fees
Service Type
Normal (15 days)
Urgent (12 days)
Executive (6 days)
New CNIC
Free (Rs. 0)
Rs. 1,150
Rs. 2,150
CNIC Renewal
Rs. 400
Rs. 1,150
Rs. 2,150
Duplicate CNIC (Lost/Damaged)
Rs. 400
Rs. 1,150
Rs. 2,150
CNIC Modification
Rs. 400
Rs. 1,150
Rs. 2,150
Smart CNIC (Polycarbonate) Fees
Service Type
Normal (31 days)
Urgent (23 days)
Executive (9 days)
New Smart NIC
Rs. 750
Rs. 1,500
Rs. 2,500
Smart NIC Renewal
Rs. 750
Rs. 1,500
Rs. 2,500
Smart NIC Duplicate
Rs. 750
Rs. 1,500
Rs. 2,500
Smart NIC Modification
Rs. 750
Rs. 1,500
Rs. 2,500
Important: The processing timeline starts only after fee payment is confirmed. Delivery within Pakistan costs an additional Rs. 165 by courier. If you collect in person from the NRC, there is no delivery charge.
Who Is Eligible for CNIC?
CNIC is issued to all Pakistani citizens — inside or outside Pakistan — who have attained the age of 18 years and either have never been registered with NADRA before, or were previously issued a Child Registration Certificate (CRC) or Juvenile Card. Pakistani citizens abroad are eligible for NICOP (National Identity Card for Overseas Pakistanis), which serves the same function internationally.
Documents Required for CNIC Renewal 2026
For a straightforward renewal (same information, no changes), the documents required are minimal:
Your existing/expired CNIC (original)
Biometric verification — Your fingerprints will be scanned at the NADRA centre
Photograph — NADRA captures your photo at the centre (you do not need to bring one)
For a new CNIC (first-time applicants), the following are required:
Identity card number of parent(s) or blood relatives, OR biometric witness by an ID holder with undertaking “B” (if no blood relative is available)
Computerised Birth Certificate (verified) from Union Council, Municipal Committee, or Cantonment — OR a Citizenship/Naturalization certificate
Biometric verification of parent or blood relative, OR attestation of CNICF as per Regulation 9(a-h)
For modifications (name change, address change, marital status, etc.), additional supporting documents such as marriage certificate, court orders, or utility bills may be required depending on the type of change.
How to Renew CNIC Online via PakID App (2026)
NADRA’s official PakID mobile app allows you to initiate your CNIC application, fill in details, pay fees digitally via Raast, and track your application — all from your smartphone. However, please note that biometric verification and photograph capture still require a physical visit to a NADRA Registration Centre for most applicants.
Step 1 — Download and Install PakID App
Download the PakID app from the Google Play Store (Android) or Apple App Store (iOS). Make sure you download the official NADRA PakID app — there are many imitations. Verify the developer name is “NADRA” before installing.
Step 2 — Create Account or Sign In
Open the app and register with your mobile number. A one-time PIN (OTP) will be sent to your phone for verification. If you already have an account, simply log in with your credentials.
Step 3 — Select “CNIC Renewal”
From the main dashboard, tap on the CNIC section and select “Renew CNIC”. The app will display your existing registered information pulled from NADRA’s database.
Step 4 — Verify and Update Your Information
Review all personal details including your name, date of birth, address, and family information. If everything is correct, confirm. If you need to make changes, select the relevant field — note that modifications may require additional documents and fees.
Step 5 — Upload Required Documents
For a simple renewal, document upload may not be required. For first-time applications or modifications, the app will prompt you to upload scanned copies of the relevant documents in JPEG or PDF format.
Step 6 — Pay the Fee via Raast
Once your application is submitted, you will receive a payment notification in your PakID Inbox. Tap the Pay Now button next to your Tracking ID and pay via Raast (IBFT bank transfer). The fee amount will match the priority category you selected (Normal: Rs. 400, Urgent: Rs. 1,150, Executive: Rs. 2,150 for standard CNIC). Payment activates your processing timeline.
Step 7 — Visit NADRA Centre for Biometrics
After fee payment, you will receive an appointment date and your nearest NADRA Registration Centre (NRC) location. Visit the NRC on the scheduled date with your original documents for fingerprint scanning and photograph capture. For the Executive category, a dedicated counter with minimal wait time is available.
Step 8 — Track and Receive Your CNIC
You can track your application status in real-time through the PakID app using your Tracking ID. Once ready, your CNIC will be delivered via courier to your registered address (Rs. 165 delivery fee within Pakistan) or you can collect it from the NRC in person.
How to Renew CNIC at a NADRA Registration Centre (NRC)
If you prefer the walk-in process or do not have access to the PakID app, you can visit any NADRA Registration Centre directly. The process is straightforward:
Locate your nearest NRC — Use the “Find Nearest NRC” tool on nadra.gov.pk or in the PakID app. Enter your city or area to get the address and working hours.
Visit the NRC with your original CNIC — Bring your expired or expiring CNIC. The NRC staff will guide you to the correct counter.
Fill the application form — NRC staff will assist you in filling the required form, or you can complete it at the token counter.
Biometric and photograph — Your fingerprints, thumb impression, and photograph will be captured digitally at the centre.
Pay the fee — Pay the applicable fee at the payment counter. Accepted methods include cash, debit/credit card, and Raast at most NRCs.
Collect your receipt and Tracking ID — You will receive a printed receipt with a Tracking ID to monitor your application status online or via the PakID app.
How to Track Your NADRA CNIC Application Status
Once you have submitted your application and paid the fee, you can track its status through three methods:
PakID App — Open the app, go to your application history, and check real-time status updates.
NADRA SMS Service — Send your CNIC number to the NADRA SMS tracking number. You will receive an automated status reply.
NADRA Helpline 1777 — Call NADRA’s 24/7 helpline at 1777 and provide your Tracking ID for a manual status check.
What Is the Difference Between CNIC, Smart CNIC, and NICOP?
Many Pakistanis are confused about which card they need. Here is a clear breakdown:
CNIC (Standard Teslin) — For Pakistani citizens residing in Pakistan. Valid 10 years. Fee: Rs. 400 renewal.
Smart CNIC (Polycarbonate) — Same as CNIC but with a microchip for enhanced security. Recommended for 2026 renewals. Fee: Rs. 750 normal.
NICOP (Smart) — For Pakistani citizens living abroad. Serves as both identity card and travel document. Fee: USD 39 (Zone A — USA/Europe), USD 20 (Zone B — Middle East/Africa).
Common Problems and Their Solutions
Problem 1: CNIC Blocked or Suspended
If your CNIC has been blocked, you must visit the nearest NRC in person with proof of identity and a written explanation. CNIC suspensions often occur due to data discrepancies, multiple registrations, or security flags. The NRC will guide you through the unblocking process, which may take 2–4 weeks depending on the complexity.
Problem 2: Incorrect Date of Birth on CNIC
Corrections to date of birth require supporting documents such as a verified birth certificate, school leaving certificate, or B-Form. Age modification fees apply: up to 1 year difference costs Rs. 1,000; more than 3 years costs Rs. 5,000; second-time correction costs Rs. 10,000.
Problem 3: Lost CNIC
For a lost/stolen CNIC, apply for a Duplicate CNIC. The fee is the same as renewal — Rs. 400 (Normal), Rs. 1,150 (Urgent), Rs. 2,150 (Executive). You will need to file a police FIR (for stolen cards) and submit a copy with your application. The process via PakID app or NRC is the same as a renewal.
Problem 4: Name or Address Needs to Change
For a name change (e.g., after marriage or court order), bring the marriage certificate or court order along with your existing CNIC. For address change, bring a recent utility bill (electricity, gas, or water) in your name at the new address. The modification fee is Rs. 400 (Normal).
NADRA Contact Information 2026
Helpline: 1777 (available 24/7)
Phone: +92 51 111 786 100
Complaint Email: csd@nadra.gov.pk
Official Website: nadra.gov.pk
Helpline Hours: 24/7
Frequently Asked Questions (FAQs)
How long does CNIC renewal take in 2026?
For a standard CNIC, the Normal category takes 15 days, Urgent takes 12 days, and Executive takes 6 days — all timelines begin after fee payment. For Smart CNIC, Normal takes 31 days, Urgent 23 days, and Executive 9 days.
Can I renew my CNIC fully online without visiting NADRA?
You can initiate and pay for your renewal online via the PakID app, but biometric verification and photograph capture still require a physical visit to a NADRA Registration Centre for most cases.
What happens if I use an expired CNIC?
An expired CNIC is not accepted for most official transactions including bank account opening, SIM card registration, property transactions, vehicle registration, and government service applications. You may also face difficulties at airports and security checkpoints. It is strongly recommended to renew at least 3 months before expiry.
Can I apply for a Smart CNIC instead of a regular CNIC during renewal?
Yes. At any point during renewal, you can upgrade from a standard CNIC to a Smart CNIC. Simply select the Smart CNIC option in the PakID app or at the NRC counter. The fee difference is Rs. 350 more (Rs. 750 vs Rs. 400 for Normal).
Can a woman keep her father’s name on her CNIC after marriage?
Yes. According to NADRA policy, a woman may retain her father’s name on her CNIC after marriage instead of adding her husband’s name. This is a personal choice and NADRA does not force a change of name upon marriage.
How can I renew my CNIC if I live in a remote area?
NADRA operates mobile registration units (MRUs) that travel to remote areas on a scheduled basis. Check the MRV (Mobile Registration Van) Schedule on nadra.gov.pk for dates and locations near you. You can also use the PakID app to initiate your application and pay online, then visit the nearest NRC when possible.
Is there a penalty for not renewing an expired CNIC?
NADRA does not charge a direct penalty for delayed renewal. However, the practical consequences of holding an expired CNIC — inability to access banking, telecom, and government services — make timely renewal essential.
Final Checklist Before You Apply
Check your CNIC expiry date on the front of the card
Download PakID app (optional but recommended)
Decide between Normal, Urgent, or Executive priority based on your urgency
Choose between Standard CNIC (Rs. 400) or Smart CNIC (Rs. 750) for Normal renewal
Have your original existing CNIC ready
Note your nearest NRC address from nadra.gov.pk
Have payment ready via Raast, cash, or card
Renewing your CNIC in 2026 is easier than ever thanks to the PakID app and digital payment via Raast. The entire process from application to delivery can be completed in as little as 6 days if you choose the Executive category. Whether you apply online or walk into a NADRA centre, this guide has everything you need to get your renewed CNIC without confusion or delays.
Source: NADRA Official Website (nadra.gov.pk) — Fee structure last updated June 12, 2026.
Karachi is Pakistan’s largest city and its financial capital, home to over 16 million people spread across 6 districts and dozens of towns. Knowing your nearest police station — and having its number saved — can be critical in an emergency. This is the most complete and up-to-date directory of all police stations in Karachi for 2026, organised by district with direct phone numbers, addresses, and jurisdiction details.
Karachi’s policing is managed by the Karachi Police under the Sindh Police, headed by the Inspector General of Police (IGP) Sindh and the Additional IGP Karachi. The city is divided into 6 Police Districts, further split into Divisions and Circles, each headed by a Superintendent of Police (SP) or Deputy Superintendent of Police (DSP).
🚨 Karachi Emergency & Helpline Numbers — Save These Now
Service
Number
Police Emergency
15
Rescue / Edhi Ambulance
115
Sindh Rescue Service
1122
Karachi Police Complaint Cell
021-99213400
IGP Sindh Complaint Center
8787
Anti-Terrorism Unit (ATU)
021-35662914
Counter Terrorism Department (CTD)
0800-111-111
Bomb Disposal Squad Karachi
021-35870715
Additional IGP Karachi Office
021-99213000
Women Police Helpline
1043
Child Protection Helpline
1121
Madadgaar (Women & Children)
1098
Karachi Traffic Police
021-99213500
Sindh Police Official Website
sindhpolice.gov.pk
Tip: If you are unsure which police station covers your area, call 15 and the dispatcher will direct you to the correct station. All Karachi police stations operate 24/7.
Karachi Police District Structure 2026
Karachi is divided into 6 Police Districts, each headed by a Senior Superintendent of Police (SSP). The districts are further divided into police divisions and circles.
SSP East: 021-99213200 | District East covers Gulshan-e-Iqbal, Gulberg, Jamshed Town, Liaquatabad, and surrounding areas — the densely populated east side of Karachi.
Police Station
Phone Number
Area / Jurisdiction
Gulshan-e-Iqbal
021-34822000
Gulshan-e-Iqbal Blocks 1–15, Johar Mor
Gulberg
021-34682100
Gulberg Town, Rashid Minhas Road
Gulistan-e-Johar
021-34614200
Gulistan-e-Johar Blocks 1–18
Jamshed Quarters
021-34541100
Jamshed Quarters, Jamshed Road
Liaquatabad
021-36611200
Liaquatabad No. 1–10
Nazimabad
021-36638000
Nazimabad, Bufferzone Border
North Karachi
021-36910500
North Karachi Sectors 1–17B
Aziz Bhatti
021-34542200
Aziz Bhatti Park area, Artillery Maidan
Sachal Goth
021-34830100
Sachal Goth, Surjani Town Border
PIB Colony
021-34540500
PIB Colony, Federal B Area Border
Ferozabad
021-34390200
Ferozabad, Nishtar Road
Karimabad
021-36660300
Karimabad, Federal B Area
District West — Police Stations
SSP West: 021-99213300 | District West covers SITE Industrial Area, Orangi Town, Baldia Town, Harbour, and Manghopir — the industrial and working-class western belt of Karachi.
Police Station
Phone Number
Area / Jurisdiction
Orangi Town
021-36695000
Orangi Town Sectors 1–16
Baldia Town
021-32871500
Baldia Town, Site B
SITE-A
021-32579000
SITE Industrial Area Section A
SITE-B
021-32594000
SITE Industrial Area Section B
Manghopir
021-36800200
Manghopir, Gadap Town Border
Harbour
021-32851000
Karachi Harbour, West Wharf
Mominabad
021-36694500
Mominabad, Orangi Extension
Qaimkhani
021-32875000
Qaimkhani, Baldia Extension
Mochko
021-36802000
Mochko, Northern Bypass area
Saeedabad
021-36698000
Saeedabad, Orangi Town Sector 11
District Central — Police Stations
SSP Central: 021-99213400 | District Central covers North Nazimabad, New Karachi, Nazimabad, and surrounding areas — one of the most densely populated districts in Karachi.
Police Station
Phone Number
Area / Jurisdiction
North Nazimabad
021-36725000
North Nazimabad Blocks A–T
New Karachi
021-36910100
New Karachi Sectors 1–17
Surjani Town
021-36912000
Surjani Town, Sector 7A
Paposh Nagar
021-36640500
Paposh Nagar, Nazimabad No. 3
Kharadar
021-32412000
Kharadar, Mithadar, Old City
Pak Colony
021-36723000
Pak Colony, North Nazimabad Extension
Buffer Zone
021-36830000
Buffer Zone, North Karachi Border
Pirabad
021-36694000
Pirabad, Orangi Town East
Banaras Colony
021-36638500
Banaras Colony, Nazimabad No. 4
Gulbahar
021-36655000
Gulbahar Colony, Federal B Area West
District Korangi — Police Stations
SSP Korangi: 021-99213500 | District Korangi covers Korangi Industrial Area, Landhi, Bin Qasim, and Model Colony — the industrial south-eastern zone of Karachi.
Police Station
Phone Number
Area / Jurisdiction
Korangi
021-35042000
Korangi Town, Korangi Crossing
Landhi
021-35010500
Landhi Colony, Cattle Colony
Bin Qasim
021-34720000
Port Qasim, Bin Qasim Industrial Zone
Model Colony
021-35070200
Model Colony, Drigh Colony
Shah Faisal Colony
021-34550000
Shah Faisal Colony No. 1–3
Awami Colony
021-35040500
Awami Colony, Korangi No. 4
Quaidabad
021-35013000
Quaidabad, Landhi Industrial Area
Sher Shah
021-32553000
Sher Shah Colony, Lyari Expressway area
District Malir — Police Stations
SSP Malir: 021-99213600 | District Malir covers the vast south-eastern outskirts of Karachi — Malir City, Gadap Town, Ibrahim Hyderi, and areas along the National Highway.
Police Station
Phone Number
Area / Jurisdiction
Malir City
021-34500200
Malir City, Malir Halt
Malir Cantt
021-34503000
Malir Cantonment, PAF Base Faisal area
Ibrahim Hyderi
021-34720500
Ibrahim Hyderi, Rehri Goth, Fisher Folk area
Gadap Town
021-36801500
Gadap Town, Hub River Road area
Memon Goth
021-34723000
Memon Goth, Super Highway Border
Sharafi Goth
021-34560000
Sharafi Goth, Gulshan-e-Hadeed Border
Pak Sadat Colony
021-34501500
Pak Sadat Colony, Malir Extension
Ali Akbar Shah Goth
021-34721000
Ali Akbar Shah Goth, National Highway
Karachi Police Important Contacts 2026
Service / Department
Contact Number
Police Emergency (all Pakistan)
15
Sindh Rescue Service
1122
Edhi Foundation Ambulance
115
Karachi Police Complaint Cell
021-99213400
IGP Sindh Complaint Center
8787
Additional IGP Karachi
021-99213000
DIG East Karachi
021-99213200
DIG West Karachi
021-99213300
Counter Terrorism Dept (CTD)
0800-111-111
Anti-Terrorism Unit (ATU) Karachi
021-35662914
Bomb Disposal Squad
021-35870715
Karachi Traffic Police
021-99213500
Women Safety Helpline
1043
Child Protection (SPARC)
1121
Madadgaar (Women & Children)
1098
Sindh Police Website
sindhpolice.gov.pk
Pakistan Citizen Portal (app)
pmdu.gov.pk/citizen-portal
How to File an FIR (First Information Report) in Karachi
Filing an FIR is your legal right in Pakistan under Section 154 of the Code of Criminal Procedure (CrPC). Here is how to do it at any Karachi police station:
Go to the police station covering the area where the crime occurred — jurisdiction is based on where the incident happened, not where you live
Meet the Station House Officer (SHO) — state your complaint clearly; the SHO is legally bound to register your FIR
Provide full incident details — date, time, location, description of offence, names of suspects if known, and list of witnesses
Get your certified FIR copy immediately — you are entitled to a free copy on the spot; do not leave without it
Record your FIR number — use this number to track progress and follow up
If the SHO refuses to register your FIR: You can contact the SSP of your district, call the Karachi Police Complaint Cell at 021-99213400, file a complaint with the IGP Sindh at 8787, use the Pakistan Citizen Portal app, or approach the nearest Judicial Magistrate who can order FIR registration under Section 22-A CrPC.
Online option: You can report certain offences through the Sindh Police portal at sindhpolice.gov.pk or via the Pakistan Citizen Portal app available on iOS and Android.
How to Find Your Nearest Police Station in Karachi
Call 15 — the police emergency dispatcher will identify your nearest station and connect you
Google Maps — search “police station near me” while in Karachi for GPS-located results
Pakistan Citizen Portal app — lets you locate services by area and file complaints directly
Sindh Police website — sindhpolice.gov.pk has a station directory by district and town
Use this guide — find your district from the table above and call the station covering your area directly
As of 2026, Karachi has over 100 police stations across 6 police districts under the Sindh Police. The number continues to grow as new housing schemes and areas are formally recognised.
What is the Karachi Police emergency number?
The primary police emergency number in Karachi (and all of Pakistan) is 15. For medical emergencies call Edhi at 115 or Sindh Rescue at 1122. For non-emergency complaints call Karachi Police at 021-99213400.
Which police station covers DHA Karachi?
DHA Karachi is covered by two stations under District South: Defence Phase I–VI (021-35348000) for DHA Phases 1 to 6, and Defence Phase VII–VIII (021-35313000) for DHA Phases 7 and 8.
Which police station covers Gulshan-e-Iqbal Karachi?
Gulshan-e-Iqbal Blocks 1–15 and Johar Mor area are covered by Gulshan-e-Iqbal Police Station under District East. Contact: 021-34822000.
Which police station covers Clifton Karachi?
The Clifton area (Blocks 1–9) and Sea View are covered by Clifton Police Station under District South. Contact: 021-35876543.
Is there a Women Police Station in Karachi?
Yes. Karachi has a dedicated Women Police Station located in Saddar under District South (021-35661900). It exclusively handles cases involving women and children. You can also call the Women Safety Helpline at 1043 or Madadgaar at 1098 for immediate assistance.
How do I file a complaint against a police officer in Karachi?
You can file a complaint against a police officer through the following channels: call the Karachi Police Complaint Cell at 021-99213400, contact the IGP Sindh Complaint Center at 8787, submit a complaint via the Pakistan Citizen Portal app, or write directly to the SSP of your district. Complaints can also be submitted through the Sindh Police website at sindhpolice.gov.pk.
Which police station covers Saddar Karachi?
Saddar Bazaar, Empress Market, and the Shaheed-e-Millat Road area are covered by Saddar Police Station under District South. Contact: 021-35661665.
Whether you need to file an FIR, report a crime, find a missing person, or simply know your nearest police station — this is the most complete and up-to-date directory of all police stations in Lahore for 2026. Every station is listed with its direct phone number, full address, division, and jurisdiction so you can reach the right station fast.
Lahore is the capital of Punjab and Pakistan’s second largest city. Its policing is managed by the Capital City Police Officer (CCPO) Lahore under the Punjab Police, with 84+ police stations spread across 6 Police Divisions. Each division is headed by a Superintendent of Police (SP).
🚨 Lahore Emergency & Helpline Numbers — Save These Now
Service
Number
Police Emergency
15
Rescue Emergency
1122
Lahore Police Helpline (Complaints)
8300
IGP Punjab Complaint Center
8787
Anti-Terrorism / CTD Helpline
0800-111-111
Bomb Disposal Squad
042-99212111
CCPO Lahore Office
042-99202113
Women Safety Helpline
1043
Child Protection Bureau
1121
Punjab Safe Cities Authority (PSCA)
042-111-177-787
Tip: If you are unsure which police station covers your area, call 15 and the dispatcher will direct you to the correct station immediately.
Lahore Police Division Structure 2026
The Capital City Police Lahore (CCPO) is divided into 6 operational police divisions. Each division covers specific areas of the city and is overseen by a Superintendent of Police (SP). The divisions are further subdivided into Circles, each headed by a Sub-Divisional Police Officer (SDPO).
Shafiqabad Division covers north Lahore — Shahdara, GT Road North, Badami Bagh, Shafiqabad, and areas bordering Sheikhupura District.
Police Station
Phone Number
Area / Jurisdiction
Shahdara
042-37420300
Shahdara Town, Lahore-Islamabad Motorway entry
Shafiqabad
042-99253100
Shafiqabad Colony, GT Road
Badami Bagh
042-99213050
Badami Bagh, Bus Terminal area
Kot Abdul Malik
042-37940100
Kot Abdul Malik, Sheikhupura border
Begum Kot
042-37931500
Begum Kot, Ring Road North
Data Gunj Bakhsh
042-37312500
Data Darbar, Circular Road area
Bhatta Chowk
042-37413300
Bhatta Chowk, Ravi Road
Hanjarwal
042-37612400
Hanjarwal, Ravi Road North
Lahore Police Important Contacts 2026
Service / Department
Contact Number
Police Emergency
15
Rescue 1122
1122
Lahore Police Complaint Cell
8300 / 0304-1110911
IGP Punjab Complaint Center
8787 / 042-99212609
Counter Terrorism Department (CTD)
0800-111-111
Bomb Disposal Squad
042-99212111
CCPO Lahore Office
042-99202113
DIG Operations Lahore
042-99213200
Punjab Safe Cities Authority (PSCA)
042-111-177-787
Women Safety Helpline
1043
Child Protection Bureau Punjab
1121
Motorway Police (M-2)
130
Traffic Police Lahore
042-99213500
Punjab Police Official Website
punjabpolice.gov.pk
Lahore Police Website
lahorepolice.punjab.gov.pk
How to File an FIR (First Information Report) in Lahore
Filing an FIR is your legal right in Pakistan. Here is how to do it at any Lahore police station:
Visit the nearest police station — go to the station that covers the area where the crime occurred, not necessarily your home area
Meet the Station House Officer (SHO) — explain your complaint; the SHO is legally obligated to register your FIR
Provide complete incident details — date, time, location, names of suspects if known, witnesses, and description of the incident
Get your FIR copy — you are entitled to a free certified copy of the FIR immediately after registration
Note your FIR number — use this to track the case status at any time
Online FIR option: You can also report certain crimes online through the Punjab Police portal at lahorepolice.punjab.gov.pk or via the Pakistan Citizen Portal (PCP) app.
If the SHO refuses to register your FIR: You can call the Lahore Police Complaint Cell (8300), contact the SDPO directly, file a complaint with the IGP at 8787, or approach a Judicial Magistrate who can order FIR registration.
How to Find Your Nearest Police Station in Lahore
Call 15 — the police emergency dispatcher will identify your nearest station based on your location
Google Maps — search “police station near me” while in Lahore to get the nearest GPS-located station
Pakistan Citizen Portal — the official government app (iOS and Android) lets you file complaints and locate services by area
Punjab Police website — lahorepolice.punjab.gov.pk has a station finder tool by area/town
As of 2026, Lahore has 84+ police stations operating under the Capital City Police Officer (CCPO) Lahore, spread across 6 police divisions.
What is the Lahore Police emergency number?
The primary police emergency number in Lahore (and all of Pakistan) is 15. For rescue emergencies call 1122. For non-emergency complaints, call the Lahore Police helpline at 8300.
Which police station covers DHA Lahore?
DHA Lahore is covered by three police stations under Division 1 (Cantt): Defence A (Phase 1–4), Defence B (Phase 5–6), and Defence C (Phase 7–8). Call 042-35727470 for Defence A, 042-35892014 for Defence B, or 0308-7773255 for Defence C.
Which police station covers Gulberg Lahore?
Gulberg (I–V), Liberty Market, and MM Alam Road are covered by Gulberg Police Station under Division 4 (Model Town). Contact: 042-99263149.
Is there a Women Police Station in Lahore?
Yes. The Women Police Station in Lahore is located at Race Course (Division 2 – City). It handles cases involving women and children exclusively. Contact: 042-99200278. You can also call the Women Safety Helpline at 1043 for immediate assistance.
What is the jurisdiction of Johar Town police station?
Johar Town Police Station (042-35315500) covers all blocks of Johar Town and the area around Emporium Mall under Division 4 (Model Town).
Can I file a complaint against a police officer in Lahore?
Yes. You can file a complaint against any police officer through the following channels: call the Lahore Police Complaint Cell at 8300, contact the IGP Punjab Complaint Center at 8787, submit a complaint on the Pakistan Citizen Portal app, or write to the District Police Officer (DPO) or CCPO Lahore office at 042-99202113.
