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Sukuk Income Tax Calculator 2026
Calculate the withholding tax on profit/return from Sukuk (Islamic bonds) in Pakistan under Section 151 (Division IB). Enter your Sukuk return, holder type and filer status to see the tax withheld and your net income for 2025-2026, then file your return with our experts.
Updated for Tax Year 2025-2026
Based on Section 151, Division IB (FBR)
Individual, AOP & Company Rates
Used by Sukuk investors across Pakistan
Karachi | Lahore | Islamabad | Peshawar | Faisalabad | Gujranwala | Sialkot | Rawalpindi | Multan | Sargodha | Bahawalpur
Calculate your Sukuk income tax
Sukuk Income Tax Calculator
Section 151, Division IB - 2025-26- Individual/AOP - return < Rs 1M10%
- Individual/AOP - return ≥ Rs 1M12.5%
- Company holder25%
How to Use the Sukuk Income Tax Calculator
- Select Sukuk holder type
- Choose filer status (Filer/Non-Filer)
- Enter your annual Sukuk return
- Click Calculate to see tax & net
- Share the link, download PDF or consult
Reviewed & Verified by Umair A R Mughal , for Tax Year 2025-2026
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Quick answers About Sukuk Income Tax
What is Sukuk income tax
Withholding tax on the profit or return paid to Sukuk (Islamic bond) holders under Section 151, Division IB.
What is the rate?
10% for individuals/AOPs with return under Rs 1 million, 12.5% at Rs 1 million or above, and 25% for companies (filer rates).
Do non-filers pay more?
Yes - non-filers pay double: 20%, 25% or 50% respectively.
Is it a final tax?
For individuals and AOPs, Sukuk profit is generally a final tax; for companies the WHT is adjustable.
Which year is covered?
Tax Year 2025-2026 (and 2024-2025 selectable).
| Sukuk Holder | Filer (ATL) | Non-Filer |
|---|---|---|
| Individual / AOP - return under Rs 1 million | 10% | 20% |
| Individual / AOP - return Rs 1 million or above | 12.5% | 25% |
| Company holder | 25% | 50% |
Worked Examples: Sukuk Tax (Filer vs Non-Filer)
| Annual Sukuk Return | Tax Filer | Tax Non-Filer |
|---|---|---|
| 500,000 | 50,000 | 100,000 |
| 800,000 | 80,000 | 160,000 |
| 1,500,000 | 187,500 | 375,000 |
| 3,000,000 | 375,000 | 750,000 |
| 5,000,000 | 625,000 | 1,250,000 |
Who Should Use This Sukuk Income Tax Calculator?
Sukuk investors
Islamic bond holders
Ijarah Sukuk holders
Pension funds
Companies & AOPs
Overseas investors
Wealth managers
Withholding agents
Common Mistakes With Sukuk Income Tax
- Using the bank-deposit rate instead of the Sukuk (Div IB) rate.
- Missing the Rs 1 million individual threshold (10% vs 12.5%).
- Applying individual rates to a company holder (should be 25%).
- Not checking ATL status, so paying double as a non-filer.
- Not declaring Sukuk profit and WHT in the annual return.
Sukuk Income Tax Calculator for All Major Cities
- Islamabad
- Karachi
- Lahore
- Faisalabad
- Gujranwala
- Sialkot
- Peshawar
- Sargodha
- Jhang
- Multan
Frequently Asked Questions About Sukuk Income Tax Calculator 2026
What is the tax rate on Sukuk profit in Pakistan for 2025-2026?
For individuals and AOPs, Sukuk profit is taxed at 10% where the annual return is under Rs 1 million and 12.5% where it is Rs 1 million or above. Companies are taxed at 25%. Non-filers pay double these rates.
How much tax is deducted on a PKR 800,000 Sukuk return?
On a PKR 800,000 Sukuk return (under Rs 1 million), an individual filer pays 10% which is PKR 80,000 (net PKR 720,000). A non-filer pays 20%, PKR 160,000.
Are Sukuk taxed differently from bank profit?
Yes. Sukuk profit has its own rates under Section 151, Division IB (10%/12.5%/25%), which differ from the 20% rate on ordinary bank deposit profit.
Do non-filers pay more on Sukuk?
Yes – non-filers pay double (20%, 25% or 50%). Becoming a filer by registering an NTN and filing your return halves the tax.
Is this Sukuk income tax calculator free?
Yes, it is completely free, provided for educational and estimation purposes for investors.
What is the threshold between 10% and 12.5%?
For individuals and AOPs, an annual Sukuk return below Rs 1 million is taxed at 10%; a return of Rs 1 million or above is taxed at 12.5%.
How are companies taxed on Sukuk profit?
Companies holding Sukuk are taxed at 25% on the profit (50% if not on the Active Taxpayer List), and the WHT is adjustable against their final liability.
Is Sukuk profit a final tax?
For individuals and AOPs it is generally a final tax. For companies it is adjustable. Either way, declare it in your income tax return.
Who deducts the Sukuk tax?
The Sukuk issuer or its special purpose vehicle (the withholding agent) deducts the tax at source when paying the profit and deposits it with the FBR.
How can I check my ATL (Filer) status?
Simply type “ATL [space] your 13-digit CNIC” and SMS it to 9966, or verify your Active Taxpayer status on the FBR website.
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