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Mutual fund units

Mutual Fund Tax Calculator Pakistan 2026-27

Work out the tax when you cash in mutual fund units. Your fund company takes it off before paying you.

Tax year 2026-27 ratesStock and other fundsTax on profit only

Your redemption

Who holds the investment?

Pick company only if the investment is held in a registered company’s name. Anything held by you personally, or by a partnership, is an individual.

What kind of fund is it?

Your fund company states this on your account statement.

Rs.

The total you invested in the units you cashed in.

Rs.

The redemption amount before tax was deducted.

This sets your rate.

This sets the tax year.

Tax year for this sale

2025-26

Read from the date you cashed in. You do not pick this — the selling date decides it.

Are you a filer?

A non-filer usually pays double on the same profit.

Your profitRs. 1,000,000

Nothing you type leaves your browser.

Tax on this redemption

Filer · 2025-26

Rate on this sale

15%

A person cashing in a stock fund. How long you held the units does not change this.

What you paidRs. 2,000,000
What you got backRs. 3,000,000
Profit being taxedThe profit on a sale — what you sold for, less what you paid. Only the profit is taxed, never the full sale amount.Rs. 1,000,000
Tax on itRs. 150,000
You keepWhat you actually keep from this sale once the tax has come off.Rs. 850,000

You held them for 10 months.

How this was worked out

Rs. 3,000,000 back less Rs. 2,000,000 invested is Rs. 1,000,000 profit. 15% of that is Rs. 150,000, leaving you Rs. 850,000.

Your fund company deducts this and passes it to NCCPL.

What you pay, by fund type

How long you held the units does not change these rates.

When you boughtFilerNon-filer
A person cashing in a stock fund · bought before 1 July 202515%30%
A person cashing in a stock fund · bought on or after 1 July 202515%15%
A person cashing in any other fund · bought before 1 July 202515%30%
A person cashing in any other fund · bought on or after 1 July 202515%15%
A company cashing in a stock fund · bought before 1 July 202515%30%
A company cashing in a stock fund · bought on or after 1 July 202515%15%
A company cashing in any other fund · bought before 1 July 202525%50%
A company cashing in any other fund · bought on or after 1 July 202525%25%
Units bought on or before 30 June 2024 and held over six years0%0%

How this is worked out

  1. Your profitWhat you got backWhat you paid for the units
  2. TaxYour profitYour rate

The tax is never charged on the full sale amount — only on what you made above what you paid.

Other investment profits

The same tax works differently across the two markets. Pick the one you traded.

Shares on the stock exchangeNCCPL collects itTax on the profit when you sell shares listed on the Pakistan Stock Exchange.Asks for: What you paid, what you sold for, and the two dates.Open this calculator
Mutual funds

Questions about tax on fund profits

The things people ask most about cashing in mutual fund units.

Do I pay tax on the full amount when I redeem my units?

No. The fund company works from your gain: the redemption value less what those units cost you. If units bought for Rs. 2,000,000 are redeemed for Rs. 3,000,000, the taxable gain is Rs. 1,000,000.

Is a mutual fund redemption gain combined with my salary?

No. The gain from redeeming units is a separate block of income with its own rate. It is kept apart from salary and business income, so it does not move your salary into a higher slab.

Will my ATL status affect the tax on my redemption?

Yes. For most unit purchase dates, the fund company applies a doubled rate when the investor is not on the Active Taxpayer List. The temporary same-rate treatment for recent purchases ended on 1 July 2026.

What happens if I redeem the units for less than I paid?

That redemption has no capital gains tax because it produced a loss. The loss may be set against gains on other investments, but not against salary or business income, and may be carried forward for up to three years.

What is the difference between a stock fund and an other fund?

A stock fund keeps more than 70% of its money in shares. Any fund holding less than that is an other fund. Your fund company states which one you hold. A person pays 15% either way; a company pays 15% on a stock fund and 25% on an other fund.

Is there any relief for holding units a long time?

Only if you bought the units on or before 30 June 2024 and held them for more than six years — then nothing is charged. For units bought after that date, the rate is the same however long you hold them.

Who deducts this from my money?

Your fund company works it out and takes it off your redemption before paying you, then deposits it with NCCPL. The figure on your redemption statement is the official one.

What about the payouts my fund makes during the year?

Those are dividends or distributions, not a capital gain, and are taxed separately when the fund pays them. This page only covers the profit you make when you cash the units in.

This is an estimate for your own planning. Your fund company works out the official figure and shows it on your redemption statement. This page is not tax advice.

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Straight from the source

Official sources

Every rate on this page comes from these official documents. Open them to check the figures yourself.

Federal Board of Revenue PakistanIncome Tax Ordinance 2001Section 37A and First Schedule Division VII — the rates on this page. Amended up to 30 June 2026.Federal Board of Revenue PakistanFinance Act 2024Replaced Division VII, setting the 1 July 2024 cut-off and the flat 15% that follows it.Federal Board of Revenue PakistanFinance Act 2025Raised the mutual fund rates to 15% and narrowed the six-year relief.Federal Board of Revenue PakistanFinance Act 2026The budget law for 2026-27. It left the rates alone but removed the non-filer exemption in Tenth Schedule rule 10(y).FBR IRIS portal PakistanFBR IRIS PortalFile your yearly return and stay on the Active Taxpayer List.