Bank Profit & Dividend Tax Calculator
Profit on your bank deposit and dividends from shares or funds are taxed at source. Non-filers are charged exactly double the filer rate in almost every category.
Your income
Profit paid on a bank deposit or account.
As a Filer (on ATL)
Rs 100,000
20% withheld — you receive Rs 400,000
As a Non-Filer
Rs 200,000
40% withheld — you receive Rs 300,000
Extra tax you pay as a non-filer
Rs 100,000
Section 151 — Bank profit (deposit / savings account).
Full rate table
Sections 151 and 150 withholding rates.
Bank profit (deposit / savings account)
- Filer
- 20%
- Non-Filer
- 40%
Other profit on debt (general)
- Filer
- 15%
- Non-Filer
- 30%
Company dividend (general)
- Filer
- 15%
- Non-Filer
- 30%
Dividend from an IPP (power producer)
- Filer
- 7.5%
- Non-Filer
- 15%
Mutual fund (debt-heavy, 50%+ profit on debt)
- Filer
- 25%
- Non-Filer
- 50%
| Income type | Filer | Non-Filer |
|---|---|---|
| Bank profit (deposit / savings account) | 20% | 40% |
| Other profit on debt (general) | 15% | 30% |
| Company dividend (general) | 15% | 30% |
| Dividend from an IPP (power producer) | 7.5% | 15% |
| Mutual fund (debt-heavy, 50%+ profit on debt) | 25% | 50% |
What is this tax, and who pays it?
What it is. Tax withheld at source on passive income — the profit your bank pays you, or the dividend a company distributes.
Who pays it. The person receiving the income. The payer (bank, company, fund) is legally required to deduct it.
How much more non-filers pay. Double. On Rs. 500,000 of bank profit a filer loses Rs. 100,000 while a non-filer loses Rs. 200,000.
Frequently asked questions
How much tax is deducted on bank profit in Pakistan?
Under Section 151, profit paid on a bank deposit or savings account is taxed at 20% for filers and 40% for non-filers. The bank deducts it before crediting your profit.
What is the dividend withholding tax rate?
Section 150 sets the general dividend rate at 15% for filers and 30% for non-filers. Dividends from Independent Power Purchasers are 7.5% / 15%, and debt-heavy mutual funds are 25% / 50%.
Is this tax final or adjustable?
For most individuals, withholding on profit on debt and dividends is treated as a final or minimum tax. Filing a return is still what keeps you on the ATL and at the lower rate.
Does the deduction happen automatically?
Yes. Your bank, company or asset management firm deducts it at source and deposits it with FBR. You see only the net amount.
Related calculators
Rates sourced from FBR's Finance Act 2025 and Finance Act 2026. Tax law can change — always verify current rates at fbr.gov.pk before relying on this for a real transaction. Last updated 1 July 2026.