● CAPITAL GAINS TAX · PROPERTY · PAKISTAN
Selling a plot, house, or apartment in Pakistan? Capital gains tax applies — and incorrect calculation is one of the most common FBR notice triggers. FirsTax calculates your CGT using the correct FBR DC values, files your return, and ensures full compliance. Starting from PKR 5,000.
Incorrectly declared CGT is one of Pakistan’s top FBR notice triggers. Don’t guess — WhatsApp FirsTax and get it right the first time.
WHAT IS CAPITAL GAINS TAX?
Capital Gains Tax (CGT) is levied on the profit (gain) you make when selling immovable property in Pakistan. The tax rate decreases the longer you hold the property — rewarding long-term investment. The gain is calculated as the sale price minus the purchase price (or FBR’s DC value, whichever is higher).
CGT RATES BY HOLDING PERIOD (TAX YEAR 2025)
| Holding Period | Open Plots (Filer) | Built Property (Filer) | Non-Filer Rate |
|---|---|---|---|
| Less than 1 year | 15% | 15% | 15% |
| 1–2 years | 12.5% | 12.5% | 12.5% |
| 2–3 years | 10% | 10% | 10% |
| 3–4 years | 7.5% | 7.5% | 7.5% |
| More than 4 years | 0% | 3.5% | 3.5% |
* Rates shown are for tax year 2025. FBR may amend CGT rates via Finance Act. Always confirm with FirsTax before filing.
FILER vs NON-FILER — CGT ADVANCE TAX
In addition to CGT on the gain, property sellers also pay advance tax at the time of transfer. Filers (ATL) pay 3% advance tax on sale value. Non-filers pay 6%. On a PKR 1 crore property — this is a PKR 30,000 vs PKR 60,000 difference from advance tax alone.
THE FBR DC VALUE TRAP — MOST PEOPLE GET THIS WRONG
FBR publishes its own property valuation tables — called DC values — for every area in Pakistan. For CGT calculation, FBR uses the higher of your actual sale price or the FBR DC value. This means even if you sell below market value, or if the buyer understates the price on the deed, CGT is calculated on the DC value if it’s higher — and if you declare less, FBR notices will follow.
REAL EXAMPLE — DHA PHASE 5 ISLAMABAD PLOT (5 MARLA)
Declared Incorrectly
| Actual sale price declared: | PKR 80 lakh |
| FBR DC value (actual): | PKR 1.2 crore |
| CGT calculated on: | PKR 80 lakh (wrong) |
| FBR notices: | Certain |
✓ Declared Correctly (FirsTax)
| FBR DC value used: | PKR 1.2 crore |
| Purchase DC value: | PKR 60 lakh |
| Gain: | PKR 60 lakh |
| CGT (held 2 yrs — 10%): | PKR 6 lakh |
| FBR notices: | None |
AREAS WE SPECIALISE IN
Phase 4, 7, 8, Awami Villas, Overseas Enclave. High transaction volume — FBR monitors every sale. We know the DC values for every sector.
Phase 1 through 5. Premium property values mean significant CGT. Correct DC value application is critical — we use current FBR tables.
Lahore’s DHA phases have their own DC values — and one of Pakistan’s most active secondary property markets. We handle CGT across all DHA Lahore phases.
F-6 through F-11, G-sectors, E-sectors. Capital territory properties have CDA involvement — correct declaration across both FBR and CDA records is essential.
High-value commercial and residential areas with significant capital appreciation. CGT on commercial properties has specific rules — we handle both.
Karachi, Peshawar, Multan, Faisalabad, and all other cities. FBR DC values exist for every area — WhatsApp us your property location and we’ll confirm the applicable values.
HOW FIRSTAX HANDLES YOUR CGT
Send us the property location, size, purchase date, purchase price, sale date, and sale price. We also need your purchase and sale deed copies if available.
Using current FBR valuation tables, we determine the DC value for your specific property — at both purchase and sale dates. This is the critical step most people get wrong.
We calculate the capital gain, apply the correct CGT rate based on holding period, and determine the advance tax already paid at the time of transfer (for credit against CGT liability).
We file your annual income tax return with the property sale correctly declared — gain amount, applicable rate, tax paid, and wealth statement updated. Acknowledgement sent to you on WhatsApp.
DOCUMENTS NEEDED — SEND ON WHATSAPP
TRANSPARENT PRICING
| Service | Includes | Fee (PKR) |
|---|---|---|
| CGT Calculation + Annual Return | DC value lookup · CGT calculation · Annual return filing · Wealth statement · ATL | Starting from 5,000 |
| NTN + CGT Return Bundle | NTN registration + CGT calculation + annual return + wealth statement | On request |
| FBR Property Notice Reply | Notice review · Correct declaration · Reply submitted within 24 hours | Starting from 5,000 |
| Multiple Property Sales (per additional) | Each additional property sale in the same tax year | Starting from 5,000 |
CLIENT STORIES
“I sold a plot in Bahria Town Phase 7 and knew nothing about CGT. My property agent could not help. FirsTax worked out the DC value, calculated the CGT, and filed my return. Everything was done correctly. From now on, I will ask FirsTax first.”
Kamran Shahid
PLOT SELLER — BAHRIA TOWN PHASE 7, RAWALPINDI
“I sold a house in DHA Phase 3 Islamabad and received an FBR notice 6 months later because the declared value was less than DC value. Ahmad sorted the notice, filed a corrected return, and handled the whole thing in 3 days. Should have come to FirsTax before the sale.”
Irfan Mirza
HOUSE SELLER — DHA PHASE 3, ISLAMABAD
“We sold 3 plots in Gulberg Lahore in one year. FirsTax handled CGT for all three in one filing — I didn’t realise they could be combined. The total fee was very reasonable and everything was declared correctly. Very professional and knowledgeable.”
Maryam Riaz
PROPERTY INVESTOR — GULBERG, LAHORE
CAPITAL GAINS TAX FAQs
PROPERTY SOLD? FILE CGT CORRECTLY TODAY.
Sold a property? Calculate your CGT correctly and file your FBR return. Starting from PKR 5,000, FirsTax handles the DC value, CGT, return, and wealth statement, so you can stop worrying.
Capital Gains Tax (CGT) applies on profit from selling immovable property in Pakistan. The rate depends on the holding period. Properties held for more than 6 years are exempt. FirsTax calculates and files your CGT accurately.