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Easy Apostille verification by Mofa using Tcs, Pakistan

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Easy Apostille verification by Mofa using Tcs, Pakistan

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.

https://apostille.mofa.gov.pk

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:
      1. Gerry’s International Pvt. Ltd.
      2. Leopards Courier Service Pvt. Ltd.
      3. Excellent Courier Services (ECS)
      4. M&P Express Logistics Pvt. Ltd.
      5. 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

https://www.tcsexpress.com/domestic/attestationservices

Punjab IT Board (PITB) Jobs 2026 — How to Apply, Eligibility & Latest Vacancies

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Punjab IT Board (PITB) Jobs 2026 — How to Apply, Eligibility & Latest Vacancies

The Punjab Information Technology Board (PITB) is one of Pakistan’s most sought-after government employers, offering competitive salaries, modern work environments, and opportunities in technology, data, and digital governance. In 2026, PITB continues to recruit talented professionals across multiple departments. This guide covers PITB job opportunities in 2026, how to apply, eligibility criteria, and what to expect from the hiring process.

What is Punjab IT Board (PITB)?

The Punjab Information Technology Board (PITB) was established by the Government of Punjab to drive the province’s digital transformation. PITB manages over 100 e-governance projects including Punjab Safe Cities Authority, E-Stamping, E-Rozgaar, Urban Unit, and numerous citizen-facing digital services. It is headquartered in Lahore with offices across Punjab.

PITB Job Categories 2026

  • Software Engineers — .NET, Java, PHP, Python, React, Node.js
  • Data Scientists & AI Engineers — Machine Learning, NLP, Computer Vision
  • Mobile App Developers — Android, iOS, Flutter, React Native
  • UI/UX Designers — Figma, Adobe XD, Prototyping
  • Cybersecurity Analysts — SOC, Penetration Testing, SIEM
  • Project Managers — PMP certified preferred
  • Business Analysts — Government process automation
  • Network & System Engineers — Infrastructure and cloud
  • Content Writers & Digital Marketers — for citizen-facing portals
  • Data Entry & Admin Staff — district-level positions

PITB Salary Scale 2026

PITB offers competitive market-based salaries significantly higher than standard BPS government pay scales:

  • Junior Developer/Analyst: Rs. 50,000 – Rs. 80,000/month
  • Senior Developer/Engineer: Rs. 80,000 – Rs. 150,000/month
  • Team Lead/Senior Analyst: Rs. 150,000 – Rs. 250,000/month
  • Manager/Senior Manager: Rs. 250,000 – Rs. 400,000/month
  • Medical allowance, annual bonuses, and professional development included

PITB Job Eligibility Criteria 2026

  • Must be a Pakistani citizen
  • Minimum Bachelor’s degree (16 years education) in relevant field
  • Age limit: 18–45 years (varies by position)
  • Relevant experience as specified in each advertisement
  • For senior positions: Master’s degree or international certifications preferred

How to Apply for PITB Jobs 2026

  1. Visit the official PITB website: pitb.gov.pk
  2. Go to the Careers section
  3. Browse current vacancies and click on relevant position
  4. Read the job description and eligibility criteria carefully
  5. Click “Apply Now” and create an account
  6. Fill in the online application form completely
  7. Upload required documents (CV, degrees, CNIC, experience letters)
  8. Submit application before the closing date
  9. Track application status via the portal or email

PITB Hiring Process

  1. Online Application — through pitb.gov.pk careers portal
  2. CV Shortlisting — based on qualifications and experience
  3. Written/Technical Test — conducted at PITB premises in Lahore
  4. Technical Interview — panel interview with department heads
  5. HR Interview — behavioral and salary negotiation
  6. Background Verification — document verification and reference checks
  7. Offer Letter — subject to successful verification

Other Punjab Government IT Job Opportunities 2026

  • E-Rozgaar Program: Free IT training and freelancing support for youth
  • Punjab Safe Cities Authority (PSCA): Technology and surveillance roles
  • Urban Unit: GIS, data analysis, and urban planning roles
  • Punjab Skills Development Authority (PSDA): Training and assessment positions

How to Stay Updated on PITB Jobs

  • Check pitb.gov.pk/careers regularly
  • Follow @pitb on Twitter/X for vacancy announcements
  • Check national newspapers: Dawn, The News, Jang for official advertisements
  • NTS (National Testing Service) sometimes conducts tests for PITB — check nts.org.pk

Frequently Asked Questions

How to apply for PITB jobs in 2026?

Visit pitb.gov.pk, go to the Careers section, browse current vacancies, create an account, fill the online application form, upload required documents (CV, degrees, CNIC), and submit before the closing date.

What is PITB salary in 2026?

PITB offers market-based salaries: Junior positions Rs. 50,000–80,000/month, Senior engineers Rs. 80,000–150,000/month, Team leads Rs. 150,000–250,000/month, Managers Rs. 250,000–400,000/month.

What qualifications are required for PITB jobs?

Minimum Bachelor’s degree (16 years education) in a relevant field. Age limit 18–45 years. Senior positions prefer Master’s degree or international certifications like PMP, AWS, or CISSP.

Does PITB conduct test for jobs?

Yes. PITB typically has a multi-stage process: online application, CV shortlisting, written/technical test, technical interview, and HR interview. Background verification is also conducted before the final offer.

Pakistan Visa 2026 — e-Visa Application, Fees & Requirements for Foreign Visitors

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Pakistan Visa 2026 — e-Visa Application, Fees & Requirements for Foreign Visitors

Pakistan’s visa policy changed significantly on January 1, 2026. The free Visa Prior to Arrival (VPA) program — which allowed citizens of 126 countries to visit Pakistan for free — was quietly discontinued. Foreign visitors must now apply for a standard paid e-Visa through the Pakistan Online Visa System (POVS). This updated guide explains everything about Pakistan visa requirements, fees, and application process for 2026.

Major Change: VPA Program Ended January 2026

Pakistan’s free Visa Prior to Arrival (VPA) program was launched in August 2024 to boost tourism. It allowed citizens of 126 countries free multiple-entry visas valid for 90 days with approvals in 24–48 hours. However, on January 1, 2026, the VPA option disappeared from the Pakistan Online Visa System (POVS) portal without any official announcement.

As of May 2026, no official statement has been made about whether VPA will return. All travelers from previously VPA-eligible countries must now apply for a standard paid e-Visa.

Pakistan e-Visa Application 2026 — Step by Step

  1. Visit the official Pakistan Online Visa System: visa.nadra.gov.pk
  2. Create an account with your email address
  3. Select visa type (Tourist, Business, Family Visit, Student, Work)
  4. Fill in personal and travel details
  5. Upload required documents
  6. Pay visa fee via international debit/credit card
  7. Submit application and receive reference number
  8. Track status online — processing typically takes 7–10 working days
  9. Download and print approved e-Visa

Important: Apply at least 4–6 weeks before travel. If your application is sent back for corrections, the processing clock resets from your resubmission date. You have 7 days to resubmit.

Pakistan Visa Fee 2026

Fees vary by nationality and visa type. Check the POVS fee structure page for your specific nationality. Some nationalities remain exempt from fees:

  • Fee-exempt countries: Afghanistan, China, Japan, Iceland, North Korea, Slovakia, Malaysia, UAE, Saudi Arabia (except work visas)
  • These nationals still apply through POVS but pay no fee
  • Business visas are priced separately and generally cost more than tourist visas

Documents Required for Pakistan e-Visa 2026

  • Valid passport with minimum 6 months validity
  • Recent passport-size photograph (white background)
  • Confirmed return flight ticket
  • Hotel booking or invitation letter from Pakistan host
  • For invitation letters: must be on government stamp paper, signed by host, with host’s CNIC copy
  • Bank statement or proof of sufficient funds
  • Travel insurance (recommended)

Pakistan Visa Types 2026

  • Tourist Visa: For sightseeing, Hunza, Lahore, Karachi, northern areas
  • Business Visa: For meetings, trade, investment
  • Family Visit Visa: To visit Pakistani relatives
  • Student Visa: For study at Pakistani universities
  • Work Visa: For employment — requires employer NOC
  • Transit Visa: For stopover through Pakistani airports

Pakistan Visa for Foreign Nationals Based in Pakistan

Foreign nationals already in Pakistan can extend or change their visa status through the Directorate General of Immigration and Passports (DGIP) offices in Islamabad, Karachi, and Lahore.

Frequently Asked Questions

Is Pakistan visa on arrival available in 2026?

No. The free Visa Prior to Arrival (VPA) program was discontinued on January 1, 2026. All foreign visitors must apply for a paid e-Visa through the POVS portal before traveling to Pakistan.

How long does Pakistan e-Visa take in 2026?

Official processing is 7–10 working days. In practice some applicants report up to 20 business days. Apply at least 4–6 weeks before your travel date to be safe.

Which countries don’t need to pay Pakistan visa fee?

Afghanistan, China, Japan, Iceland, North Korea, Slovakia, Malaysia, UAE, and Saudi Arabia nationals are exempt from Pakistan visa fees (except work visas). They still apply through the POVS portal.

How to apply for Pakistan visa online in 2026?

Apply at visa.nadra.gov.pk — the official Pakistan Online Visa System (POVS). Create an account, select visa type, upload documents, pay fee, and track your application online.

Roshan Digital Account 2026 — How to Open, Profit Rates & Complete Guide for Overseas Pakistanis

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Roshan Digital Account 2026 — How to Open, Profit Rates & Complete Guide for Overseas Pakistanis

The Roshan Digital Account (RDA) has become Pakistan’s most successful financial initiative for overseas Pakistanis. As of early 2026, over 900,000 accounts have been opened with total inflows exceeding $12 billion. The State Bank of Pakistan has recently expanded RDA to foreign nationals and companies as well. This complete guide explains how to open a Roshan Digital Account in 2026, profit rates, investment options, and everything overseas Pakistanis need to know.

What is Roshan Digital Account?

Roshan Digital Account (RDA) is a State Bank of Pakistan initiative launched in September 2020, branded under the slogan “Door Reh Kar Bhi Paas” (Close Even When Far Away). It allows Non-Resident Pakistanis (NRPs) to open a Pakistani bank account 100% online without visiting any branch or embassy.

Roshan Digital Account 2026 — Key Updates

  • 900,000+ accounts opened as of February 2026
  • $12 billion+ in total inflows since launch
  • Expanded to foreign nationals and companies (new in 2026)
  • Pakistan now ranks 5th globally in remittance receiving countries
  • Fiscal year 2026 remittances projected to reach $42 billion

Who Can Open Roshan Digital Account?

  • Non-Resident Pakistanis (NRPs) living anywhere in the world
  • Pakistan Origin Card (POC) holders
  • Resident Pakistanis with declared foreign assets in FBR returns
  • New in 2026: Foreign nationals and foreign companies (after SBP expansion)

Account Types Available

  • PKR Current Account — for local Pakistan transactions
  • PKR Savings Account — earns profit monthly
  • Foreign Currency Account (USD/GBP/EUR) — for forex savings and investments
  • Islamic/Conventional options available at most banks

How to Open Roshan Digital Account Online 2026

  1. Choose your preferred bank (see list below)
  2. Visit the bank’s RDA webpage and click “Apply Now”
  3. Fill in the online application form with personal details
  4. Upload required documents
  5. Complete live video verification or biometric check
  6. Receive confirmation email within 24–48 hours
  7. Account activated — fund via international wire transfer

Documents Required

  • Valid Pakistani CNIC or NICOP
  • Valid passport (first 2 pages)
  • Proof of non-resident status (Iqama, visa, residence permit, or foreign passport)
  • Proof of income/source of funds (salary slip, employment letter, or bank statement)
  • Recent passport-size photograph

Banks Offering Roshan Digital Account in Pakistan 2026

  • HBL (Habib Bank Limited)
  • MCB Bank
  • UBL (United Bank Limited)
  • Meezan Bank (Islamic options)
  • Bank Alfalah
  • Bank AL Habib
  • Standard Chartered Pakistan
  • JS Bank
  • Bank of Punjab (BOP)
  • Faysal Bank

Investment Options via RDA

  • Naya Pakistan Certificates (NPC): Government-backed, available in PKR, USD, GBP, EUR for 3M, 6M, 1Y, 3Y, 5Y tenors
  • Pakistan Stock Exchange (PSX): Invest in Pakistani listed shares via CDC
  • Mutual Funds: Invest in Pakistan’s top mutual funds
  • Real Estate: Purchase property in Pakistan through Roshan Apna Ghar scheme
  • Term Deposits: Fixed deposits with competitive rates at partner banks

Key Benefits of Roshan Digital Account

  • Zero withholding tax on profits for NRPs
  • Profit on RDA deposits is tax exempt — no need to file returns on RDA profit
  • Free repatriation of funds abroad without SBP approval
  • Free debit card for PKR account holders (first issuance)
  • Pay utility bills and transfer funds within Pakistan via internet banking
  • Real-time PKR/foreign currency conversion

Frequently Asked Questions

Can overseas Pakistanis open a bank account without visiting Pakistan in 2026?

Yes. The Roshan Digital Account allows NRPs to open a fully functional Pakistani bank account 100% online from anywhere in the world without visiting any branch or embassy.

Is profit on Roshan Digital Account taxable in Pakistan 2026?

No. Profit earned on RDA deposits is completely tax exempt for NRPs. No withholding tax is deducted and you do not need to file tax returns on RDA profit.

How many Roshan Digital Accounts have been opened in 2026?

As of February 2026, over 900,000 Roshan Digital Accounts have been opened with total inflows exceeding $12 billion since the program launched in September 2020.

Can foreign nationals open Roshan Digital Account in 2026?

Yes. The State Bank of Pakistan expanded RDA to foreign nationals and foreign companies in early 2026, broadening Pakistan’s investor base significantly.

UAE Visa 2026 for Pakistanis — Work, Tourist & Golden Visa Complete Guide

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UAE Visa 2026 for Pakistanis — Work, Tourist & Golden Visa Complete Guide

Over 1.7 million Pakistanis live and work in the UAE, making it the top overseas destination for Pakistani workers and families. In 2026, UAE visa requirements have been updated with stricter digital verification and new mandatory health insurance rules. This complete guide covers UAE work visa, tourist visa, family visa, student visa, and Golden Visa requirements for Pakistani citizens in 2026.

UAE Visa Policy Updates 2026

The UAE government introduced several important changes effective 2026:

  • Mandatory health insurance for all visa holders — confirmed and strictly enforced in 2026
  • Digital-only application system — no paper applications accepted
  • Confirmed return tickets required for all tourist visa applications
  • Faster processing for family reunification cases
  • Golden Visa expansion for IT professionals and remote freelancers
  • Smart biometric verification for all new visa issuances

Types of UAE Visas for Pakistanis 2026

1. UAE Work Visa 2026

The most popular visa for Pakistani job seekers. Sponsored entirely by the UAE employer.

  • Sponsor: UAE-registered company applies on your behalf via MoHRE portal
  • Processing time: 2–4 weeks after employer completes documentation
  • Validity: 2 years, renewable with contract
  • Cost: AED 3,000–7,000 total (employer bears most costs)

Documents required:

  • Valid passport (minimum 6 months validity)
  • Confirmed job offer/employment contract from UAE company
  • GAMCA-approved medical test (blood test + chest X-ray from Islamabad, Lahore, or Karachi)
  • Attested educational certificates (attested by UAE Embassy + MOFA Pakistan)
  • 4–6 recent passport-size photos (white background)

2. UAE Tourist Visa 2026

  • Duration: 30 days or 90 days
  • Fee: AED 350 (30 days) to AED 1,000 (90 days)
  • Processing: 3–7 business days
  • Sponsor: Emirates/Etihad Airlines, approved UAE hotels, or family/friends in UAE
  • New 2026 requirement: Confirmed return ticket mandatory
  • Warning: Overstaying attracts AED 50/day fine and travel ban risk

3. UAE Family Visa 2026

  • Workers earning minimum AED 4,000/month can sponsor spouse and children
  • Required: Marriage certificate (attested), spouse/children’s passports, salary certificate
  • Processing has been made faster in 2026 for family reunification cases

4. UAE Golden Visa 2026

10-year long-term residency without a sponsor — significantly expanded in 2026:

  • Real estate investors (AED 2 million minimum property value)
  • Highly skilled professionals: doctors, engineers, scientists, IT specialists
  • New in 2026: Remote freelancers and IT professionals now eligible
  • Outstanding students with exceptional academic performance
  • Entrepreneurs with UAE-registered businesses

5. UAE Student Visa 2026

  • Valid for duration of study program, renewed annually
  • Part-time work permitted under certain conditions
  • Can be converted to work visa after graduation
  • Requires: University admission letter, financial proof, health insurance

How to Apply for UAE Visa Online 2026

  1. Visit UAE ICP Smart Services portal (icp.gov.ae) or GDRFA Dubai portal
  2. Select visa type and fill in personal details
  3. Upload all required documents (must be properly attested)
  4. Pay visa fee online via debit/credit card
  5. Track application status on the portal
  6. Download approved e-visa entry permit
  7. On arrival: complete medical test, Emirates ID biometric, and visa stamping

UAE Visa Fees for Pakistanis 2026

  • Tourist Visa (30 days): AED 350
  • Tourist Visa (90 days): AED 1,000
  • Work Visa: AED 3,000–7,000 (employer pays)
  • Family Visa: AED 500–1,500
  • Golden Visa: AED 2,800–4,000 depending on category

Frequently Asked Questions

Can Pakistanis apply for UAE visa online in 2026?

Yes. All UAE visa applications are now fully digital through the ICP Smart Services portal (icp.gov.ae) or authorized travel agents. No paper applications are accepted in 2026.

What is the UAE work visa fee for Pakistanis 2026?

UAE work visas cost AED 3,000–7,000 in total. The employer typically bears most of this cost. The employee may pay for the GAMCA medical test (approximately Rs. 8,000–12,000 in Pakistan).

How long does UAE work visa take for Pakistanis 2026?

Processing typically takes 2–4 weeks after the UAE employer completes all documentation through MoHRE portal. Minimum age for most jobs is 21 years.

What is the UAE Golden Visa eligibility for Pakistanis 2026?

Real estate investors (AED 2M+), skilled professionals, IT specialists, remote freelancers (new in 2026), exceptional students, and successful entrepreneurs qualify for the 10-year UAE Golden Visa.

NADRA Office Timings 2026 Pakistan — Hours, Locations & Services Guide

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NADRA Office Timings 2026 Pakistan — Hours, Locations & Services Guide

In 2026, NADRA operates over 800 registration centers across Pakistan — including 24/7 Mega Centers in major cities. Knowing the right timings and office type can save you hours. This updated guide covers all NADRA office timings, types, fees, and how to find your nearest center.

NADRA Office Types & Timings 2026

Standard Registration Centers (NRCs)

  • Days: Monday to Saturday
  • Hours: 9:00 AM – 5:00 PM
  • Friday break: 1:00 PM – 2:00 PM
  • Saturday: 9:00 AM – 1:00 PM (half day at most centers)

NADRA Executive Centers

  • Days: Monday to Saturday
  • Hours: 8:30 AM – 10:30 PM (extended)
  • Friday: 8:30 AM – 1:00 PM, then 2:00 PM – 10:30 PM
  • Saturday: 8:30 AM – 1:30 PM

NADRA Mega Centers (24/7)

  • Open 24 hours, 7 days a week including Sundays and public holidays
  • Available in: Karachi, Lahore, Islamabad, Rawalpindi, Faisalabad, Multan, Peshawar

NADRA Ramadan 2026 Timings

NADRA officially announced revised timings for Ramadan 2026:

  • Single-shift offices: 9:00 AM – 3:30 PM
  • Double-shift offices: 8:00 AM – 12:00 PM and 8:00 PM – 11:00 PM
  • Mega Centers: Continue 24/7 operation throughout Ramadan

NADRA Offices by City 2026

Rawalpindi

  • Saddar RNC — Bank Road, Saddar
  • Executive Center Cantt — Near CSD, Cantt (8:30 AM – 10:30 PM)
  • Satellite Town — Murree Road

Islamabad

  • Mega Center F-6 — Open 24/7
  • NADRA HQ G-5/2
  • I-8 Markaz Center

Lahore

  • Mega Center — Open 24/7 (multiple locations)
  • Model Town Center — less crowded
  • Cantt Executive Center — extended hours

Karachi

  • Mega Centers in DHA, Clifton, Gulshan, SITE — 24/7
  • Executive Centers across all major areas

NADRA Fees 2026 — Unchanged

NADRA confirmed fees remain the same in 2026:

  • CNIC Normal (30 days): Rs. 750
  • CNIC Urgent (7 days): Rs. 1,500
  • CNIC Executive (2 days): Rs. 3,000
  • NICOP Normal: USD 15 equivalent
  • NICOP Urgent: USD 25 equivalent

How to Find Nearest NADRA Office

  • PakID App: Built-in GPS office locator — download from Play Store or App Store
  • NADRA website: nadra.gov.pk/nadraOffices
  • Helpline: 1777 (from any mobile) or +92 51 111 786 100 — 24/7

Tips to Save Time

  • Visit before 10:00 AM — shorter queues
  • Use PakID App to check token availability before visiting
  • Use 24/7 Mega Centers for urgent matters at night
  • Avoid Mondays and post-holiday days — busiest times
  • Bring all documents to avoid repeat visits

Frequently Asked Questions

What are NADRA office timings in 2026?

Standard centers: Mon-Sat 9:00 AM to 5:00 PM. Executive centers: 8:30 AM to 10:30 PM. Mega Centers: 24/7 including Sundays.

Is NADRA open on Sunday 2026?

Standard and executive centers are closed on Sundays. However, NADRA Mega Centers in major cities operate 24/7 including Sundays and public holidays.

What is NADRA helpline number 2026?

Call 1777 from any mobile network in Pakistan (Jazz, Telenor, Ufone, Zong). International: +92 51 111 786 100. Available 24/7.

How much is NADRA CNIC fee in 2026?

NADRA confirmed 2026 fees unchanged: Normal processing Rs. 750, Urgent (7 days) Rs. 1,500, Executive (2 days) Rs. 3,000.

FBR Tax Calculator Pakistan 2025 — Calculate Your Income Tax Online Free

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FBR Tax Calculator Pakistan 2025 — Calculate Your Income Tax Online Free

Calculating your income tax in Pakistan has become much easier in 2025. The Federal Board of Revenue (FBR) provides updated tax slabs and an online calculator to help salaried individuals, business owners, and freelancers estimate their annual tax liability. This guide covers everything about the FBR tax calculator and Pakistan income tax slabs for 2025-26.

Pakistan Income Tax Slabs 2025-26 (Salaried Individuals)

  • Up to Rs. 600,000: No tax (exempt)
  • Rs. 600,001 – Rs. 1,200,000: 5% on amount exceeding Rs. 600,000
  • Rs. 1,200,001 – Rs. 2,200,000: Rs. 30,000 + 15% on amount exceeding Rs. 1,200,000
  • Rs. 2,200,001 – Rs. 3,200,000: Rs. 180,000 + 25% on amount exceeding Rs. 2,200,000
  • Rs. 3,200,001 – Rs. 4,100,000: Rs. 430,000 + 30% on amount exceeding Rs. 3,200,000
  • Above Rs. 4,100,000: Rs. 700,000 + 35% on amount exceeding Rs. 4,100,000

How to Use FBR Tax Calculator 2025

  1. Visit iris.fbr.gov.pk and login with your NTN
  2. Go to Resources → Tax Calculator
  3. Enter your annual salary or income
  4. Add any deductions — Zakat, donations, life insurance premium
  5. The calculator automatically shows your tax liability

Quick Tax Calculation Formula

For salaried individuals earning Rs. 1,200,000 per year (Rs. 100,000/month):

  • Annual income: Rs. 1,200,000
  • Taxable amount above Rs. 600,000: Rs. 600,000
  • Tax at 5%: Rs. 30,000 annually
  • Monthly tax deduction: Rs. 2,500

Tax Deductions You Can Claim

  • Zakat: Full amount paid deducted from taxable income
  • Charitable donations: Up to 30% of taxable income
  • Life insurance premium: Deductible up to certain limits
  • Education expenses: Tuition fees for children
  • Mortgage interest: Interest on housing finance loans

How to Become an Active Taxpayer (ATL)

Filing your tax return puts you on the FBR Active Taxpayer List (ATL), which gives you lower withholding tax rates on all transactions. Check your ATL status at fbr.gov.pk/ams/

Frequently Asked Questions

How much tax do I pay on Rs. 50,000 salary per month in Pakistan 2025?

On an annual salary of Rs. 600,000 (Rs. 50,000/month), you pay zero income tax as it falls below the exemption threshold.

How much tax on Rs. 100,000 salary per month Pakistan 2025?

On Rs. 1,200,000 annual salary, you pay Rs. 30,000 per year (Rs. 2,500/month) at the 5% slab rate.

Is there income tax on freelancing income in Pakistan 2025?

Yes, freelancers must register with FBR and file returns. However, foreign remittances received through banking channels are taxed at a reduced rate of 0.25% under the IT export policy.

Benazir Income Support Programme (BISP) 2025 — Registration, Payment & Complete Guide

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Benazir Income Support Programme (BISP) 2025 — Registration, Payment & Complete Guide

The Benazir Income Support Programme (BISP) is Pakistan’s premier cash transfer program providing financial assistance to millions of low-income families. In 2025, BISP continues to be the largest social safety net in Pakistan’s history. This guide covers everything about BISP registration, payment collection, and eligibility.

What is BISP?

BISP (Benazir Income Support Programme) provides unconditional cash transfers to deserving women in Pakistan. It was launched in 2008 and has since grown to cover over 9 million beneficiary families. The program is administered by the federal government and payments are made quarterly.

BISP Payment Amount 2025

  • Quarterly payment: Rs. 8,500 per beneficiary family
  • Annual total: Rs. 34,000 per year
  • Payments are made every 3 months through designated centers

BISP Eligibility Criteria 2025

  • Must be a Pakistani female citizen with valid CNIC
  • Household must score below the poverty threshold in NSER survey
  • No family member should be a government employee
  • Household should not own more than 3 acres of agricultural land
  • No family member should be a tax filer with income above threshold

How to Check BISP Payment Status 2025

  1. SMS: Send 13-digit CNIC to 8171
  2. BISP Website: Visit bisp.gov.pk and enter CNIC
  3. Helpline: Call 0800-26477 (toll-free)
  4. BISP App: Download from Play Store or App Store

How to Collect BISP Payment

  • Visit your nearest BISP payment point with your CNIC
  • Biometric thumb impression verification is required
  • Payment can also be collected via Jazz Cash or HBL ATMs
  • Bring your original CNIC — no payment without biometric verification

BISP Registration Process

  1. Visit nearest BISP Tehsil Office with your CNIC
  2. BISP surveyors may also visit your area — cooperate with the survey
  3. Complete the National Socioeconomic Registry (NSER) form
  4. Check eligibility via SMS to 8171 after 30 days

Frequently Asked Questions

How to check BISP payment status in 2025?

Send your 13-digit CNIC number to 8171 via SMS. You will receive an SMS confirming your payment status. You can also call the toll-free helpline 0800-26477.

What is the BISP payment amount in 2025?

BISP beneficiaries receive Rs. 8,500 per quarter, totaling Rs. 34,000 per year.

Where can I collect my BISP payment?

BISP payments can be collected at designated BISP payment centers, HBL branches, and via Jazz Cash using your CNIC and biometric verification.

Ehsaas Program Registration 2025 — How to Apply & Check Status Online

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Ehsaas Program Registration 2025 — How to Apply & Check Status Online

The Ehsaas Program is Pakistan’s largest social protection initiative, providing financial support to millions of low-income families across the country. In 2025, the program continues to expand its reach. This complete guide explains how to register, check eligibility, and receive Ehsaas payments.

What is the Ehsaas Program?

Ehsaas (meaning empathy or compassion in Urdu) is a flagship social safety net program launched by the Government of Pakistan. It provides cash transfers, interest-free loans, scholarships, and health insurance to deserving families through a nationwide digital payment system.

Ehsaas Program Key Initiatives 2025

  • Benazir Income Support Programme (BISP) — Cash transfers of Rs. 8,500 per quarter to eligible women
  • Ehsaas Kafaalat — Monthly stipend for vulnerable women
  • Ehsaas Undergraduate Scholarship — Financial support for deserving students
  • Ehsaas Ration Rahem — Subsidized food for low-income families
  • Ehsaas Nashonuma — Nutrition support for mothers and children

How to Register for Ehsaas Program 2025

  1. Visit your nearest BISP Tehsil Office or designated registration center
  2. Bring your original CNIC and a copy
  3. Provide your mobile number registered in your name
  4. Complete the National Socioeconomic Registry (NSER) survey
  5. Your household data will be assessed for eligibility
  6. Receive an SMS notification confirming registration and eligibility status

How to Check Ehsaas Eligibility Online

  • SMS method: Send your 13-digit CNIC number to 8171
  • Web portal: Visit ehsaas.nadra.gov.pk and enter CNIC
  • 8171 helpline: Call 8171 for assistance

Ehsaas Payment Collection

Approved beneficiaries receive payments through:

  • Designated Ehsaas Payment Centers
  • HBL, UBL, MCB and other partner banks
  • Jazz Cash and Easypaisa mobile wallets
  • Biometric verification is required for payment collection

Documents Required

  • Original CNIC (must be valid and not expired)
  • Mobile phone number registered in your name
  • Proof of address (utility bill or domicile)
  • Family details for survey

Frequently Asked Questions

How do I know if I am eligible for Ehsaas Program?

Send your 13-digit CNIC number via SMS to 8171. You will receive an immediate reply indicating your eligibility status. You can also check online at ehsaas.nadra.gov.pk.

How much money does Ehsaas Program give in 2025?

Under BISP/Kafaalat, eligible women receive approximately Rs. 8,500 per quarter (Rs. 34,000 per year) through biometric payment centers.

Can men apply for Ehsaas Program?

The Kafaalat component specifically targets women. However, male heads of households can register the entire family for the NSER survey to qualify for other Ehsaas benefits.

Asaan Karobar Card 2025 — Eligibility, How to Apply & Complete Guide

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Asaan Karobar Card 2025 — Eligibility, How to Apply & Complete Guide

The Asaan Karobar Card is one of the most trending government initiatives in Pakistan in 2025. This scheme provides interest-free or subsidized business financing to small and micro entrepreneurs across Pakistan. Here is a complete guide on what the Asaan Karobar Card is, who qualifies, and how to apply.

What is the Asaan Karobar Card?

The Asaan Karobar Card is a government-backed digital financing card launched to empower small business owners, traders, and micro-entrepreneurs in Pakistan. It provides access to working capital financing at subsidized or zero interest rates, helping small businesses grow without the burden of traditional bank loans.

Key Features of Asaan Karobar Card

  • Financing limit: Up to Rs. 1,000,000 (Rs. 10 Lac)
  • Interest-free or subsidized markup rate
  • Digital card usable at POS terminals and for online payments
  • No traditional collateral required
  • Repayment in easy monthly installments
  • Available to both new and existing small businesses

Who is Eligible for Asaan Karobar Card 2025?

  • Pakistani citizens with valid CNIC
  • Small and micro business owners
  • Traders, shopkeepers, and self-employed individuals
  • Age between 21 and 60 years
  • Business operating in Pakistan for at least 6 months
  • No existing loan default history

How to Apply for Asaan Karobar Card

  1. Visit the official portal or nearest participating bank branch
  2. Register using your CNIC number and mobile number
  3. Fill in your business details and financing requirement
  4. Upload required documents
  5. Submit application and receive reference number
  6. Undergo credit assessment by the partner bank
  7. Upon approval, receive your Asaan Karobar Card
  8. Use the card for business purchases and working capital needs

Documents Required

  • Valid CNIC
  • Business registration documents (if available)
  • Bank account statement (last 6 months)
  • Utility bill of business premises
  • Recent passport-size photographs

Participating Banks

The Asaan Karobar Card is available through multiple partner banks and microfinance institutions designated by the government. These include major commercial banks and specialized microfinance banks operating across Pakistan.

How to Use the Asaan Karobar Card

  • Use at POS terminals in wholesale markets, supplier shops, and business outlets
  • Pay suppliers and vendors digitally
  • Make online business purchases
  • Withdraw cash at designated ATMs for business use

FAQs

Q: Is the Asaan Karobar Card really interest-free?
A: The government subsidizes the markup, making it zero or very low interest for eligible applicants. Terms vary by bank.

Q: Can women entrepreneurs apply?
A: Yes. Women entrepreneurs are encouraged to apply and may receive priority consideration under special inclusion programs.

Q: What happens if I miss a repayment?
A: Missing repayments may result in penalties and affect your credit score. Always maintain timely repayments to protect your eligibility for future financing.

Q: Is the Asaan Karobar Card available in rural areas?
A: Yes, the scheme targets both urban and rural entrepreneurs across all provinces of Pakistan.

Conclusion

The Asaan Karobar Card 2025 is a landmark initiative to support Pakistan’s small business community with affordable financing. If you are a small entrepreneur or trader, apply today through your nearest participating bank and take your business to the next level. For more guides on government schemes, visit PakCitizenGuide.com.

Frequently Asked Questions

What is Asaan Karobar Card 2025?

A government-backed digital financing card providing up to Rs. 1,000,000 interest-free or subsidized financing to small business owners and entrepreneurs.

Who can apply for Asaan Karobar Card?

Pakistani citizens aged 21-60 with valid CNIC, operating a small business for at least 6 months, with no loan default history.

Is the Asaan Karobar Card really interest-free?

The government subsidizes the markup making it zero or very low interest for eligible applicants. Terms vary by participating bank.

PM Laptop Scheme 2025 — How to Apply, Eligibility & Complete Guide

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PM Laptop Scheme 2025 — How to Apply, Eligibility & Complete Guide

The Prime Minister’s Laptop Scheme 2025 is one of the most searched government programs in Pakistan. This initiative provides free laptops to deserving students across Pakistan to promote digital education and technology access. Here is everything you need to know about eligibility, how to apply, and when to expect delivery.

What is PM Laptop Scheme 2025?

The Prime Minister’s Laptop Scheme (PMLS) is a Government of Pakistan initiative launched to provide free laptops to talented and deserving students enrolled in public sector universities and colleges. The scheme aims to bridge the digital divide and empower Pakistan’s youth with modern technology.

Who is Eligible for PM Laptop Scheme 2025?

  • Students enrolled in recognized HEC (Higher Education Commission) universities
  • Students in final year of undergraduate degree (BS, BBA, B.Com)
  • Students in postgraduate programs (MS, MBA, MPhil)
  • Students with minimum 70% marks or 3.0 CGPA
  • Students from low-income families (priority given)
  • Students from less-developed districts (priority given)

How Many Laptops Will Be Distributed?

Under the 2025 phase, the government plans to distribute over 100,000 laptops to students across Pakistan, with quotas allocated to each province and territory based on population and enrollment.

How to Apply for PM Laptop Scheme 2025

  1. Visit the official portal: pmls.hec.gov.pk
  2. Click on Student Registration or Apply Now
  3. Enter your CNIC number and student registration number
  4. Fill in your academic details including CGPA and institution name
  5. Upload required documents
  6. Submit the application and save your reference number
  7. Track your application status on the portal

Documents Required

  • Valid CNIC or B-Form
  • Student ID card
  • Official transcript or degree certificate showing CGPA
  • Enrollment certificate from your university
  • Income certificate (for low-income priority)

PM Laptop Scheme 2025 — Laptop Specifications

The laptops distributed under the scheme typically include:

  • Intel Core i5 or equivalent processor
  • 8GB RAM
  • 256GB or 512GB SSD storage
  • Windows 11 pre-installed
  • Standard warranty and support

Distribution Timeline

The distribution of laptops under the 2025 phase is expected to begin in the second half of 2025. Selected students will be notified via SMS and email on their registered contact details.

FAQs

Q: Is the PM Laptop Scheme 2025 open for private university students?
A: Generally, the scheme prioritizes students from public sector HEC-recognized institutions. Private university students may have limited eligibility depending on the phase.

Q: Can I apply if I already received a laptop in a previous phase?
A: No. Students who have already benefited from a previous phase of the scheme are not eligible to apply again.

Q: What is the deadline to apply for PM Laptop Scheme 2025?
A: The application deadline is announced on the official HEC portal. Monitor pmls.hec.gov.pk regularly for updates.

Conclusion

The PM Laptop Scheme 2025 is a great opportunity for Pakistani students to access modern technology for their education. Apply through the official HEC portal, meet the eligibility criteria, and submit your application before the deadline. For more government scheme guides, visit PakCitizenGuide.com.

Frequently Asked Questions

Who is eligible for PM Laptop Scheme 2025?

Students enrolled in HEC recognized universities, final year undergraduates and postgraduate students with minimum 70% marks or 3.0 CGPA.

How to apply for PM Laptop Scheme 2025?

Visit pmls.hec.gov.pk, register with CNIC and student ID, fill academic details, upload documents, and submit application.

How many laptops will be distributed in PM Laptop Scheme 2025?

Over 100,000 laptops are planned for distribution under the 2025 phase across Pakistan.

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