In 2026-27 BPS-15 pays a basic salary of Rs 28,730 at the minimum and Rs 100,130 at the maximum, with 30 annual increments of Rs 2,380 in between. Add the allowances and a new federal employee in a big city gets Rs 40,049 gross, or Rs 35,087 in hand after GP Fund and benevolent fund.
The scales are the Basic Pay Scales 2026 in the Finance Division order of 21 July 2026, which covers civil employees of the federal government paid from civil and defence estimates. Punjab, Sindh and Khyber Pakhtunkhwa adopted the same scales and the same 7% allowance from 1 July 2026 through their own Finance Department notifications. Balochistan announced the same 7% in its budget; check your slip for the scale your office applies. Enter your stage, or switch to your basic pay, to see your own salary.
BPS-15 salary chart 2026-27 by stage
Federal rates, big city, rented or own house, no DRA or special pay. Rupees a month.
| Stage | Basic pay 2026-27 | Same stage 2025-26 | Gross pay | Income tax | Take-home pay |
|---|---|---|---|---|---|
| 0 | 28,730 | 23,920 | 40,049 | 0 | 35,087 |
| 1 | 31,110 | 25,900 | 42,596 | 0 | 37,538 |
| 2 | 33,490 | 27,880 | 45,142 | 0 | 40,036 |
| 3 | 35,870 | 29,860 | 47,689 | 0 | 42,535 |
| 4 | 38,250 | 31,840 | 50,236 | 0 | 45,034 |
| 5 | 40,630 | 33,820 | 52,782 | 13 | 47,519 |
| 6 | 43,010 | 35,800 | 55,329 | 38 | 50,041 |
| 7 | 45,390 | 37,780 | 57,875 | 64 | 52,561 |
| 8 | 47,770 | 39,760 | 60,422 | 89 | 55,083 |
| 9 | 50,150 | 41,740 | 62,969 | 115 | 57,604 |
| 10 | 52,530 | 43,720 | 65,515 | 140 | 60,125 |
| 11 | 54,910 | 45,700 | 68,062 | 166 | 62,646 |
| 12 | 57,290 | 47,680 | 70,608 | 191 | 65,167 |
| 13 | 59,670 | 49,660 | 73,155 | 217 | 67,688 |
| 14 | 62,050 | 51,640 | 75,702 | 242 | 70,210 |
| 15 | 64,430 | 53,620 | 78,248 | 267 | 72,731 |
| 16 | 66,810 | 55,600 | 80,795 | 293 | 75,252 |
| 17 | 69,190 | 57,580 | 83,341 | 318 | 77,773 |
| 18 | 71,570 | 59,560 | 85,888 | 344 | 80,294 |
| 19 | 73,950 | 61,540 | 88,435 | 369 | 82,816 |
| 20 | 76,330 | 63,520 | 90,981 | 395 | 85,336 |
| 21 | 78,710 | 65,500 | 93,528 | 420 | 87,858 |
| 22 | 81,090 | 67,480 | 96,074 | 446 | 90,378 |
| 23 | 83,470 | 69,460 | 98,621 | 471 | 92,900 |
| 24 | 85,850 | 71,440 | 101,168 | 497 | 95,421 |
| 25 | 88,230 | 73,420 | 103,714 | 744 | 97,720 |
| 26 | 90,610 | 75,400 | 106,261 | 1,024 | 99,987 |
| 27 | 92,990 | 77,380 | 108,807 | 1,304 | 102,253 |
| 28 | 95,370 | 79,360 | 111,354 | 1,584 | 104,520 |
| 29 | 97,750 | 81,340 | 113,901 | 1,864 | 106,787 |
| 30 | 100,130 | 83,320 | 116,447 | 2,144 | 109,053 |
Income tax starts at stage 5, when yearly taxable pay first goes above the tax-free limit.
Worked example: BPS-15 at stage 10 in Lahore
Ten increments above the minimum, posted in Lahore:
| Line | Amount |
|---|---|
| Basic pay (Rs 28,730 + 10 x Rs 2,380) | Rs 52,530 |
| ARA-2026, 7% of basic pay | Rs 3,677 |
| House rent allowance, big city | Rs 3,524 |
| Conveyance allowance | Rs 4,284 |
| Medical allowance | Rs 1,500 |
| Gross pay | Rs 65,515 |
| GP Fund | Rs 4,290 |
| Benevolent fund | Rs 960 |
| Income tax | Rs 140 |
| Take-home pay | Rs 60,125 |
Income tax is 1% of yearly taxable pay above Rs 600,000. Taxable pay here is Rs 64,015 a month, because the Rs 1,500 medical allowance is exempt. House rent allowance is 45% of the 2008 minimum of Rs 5,220, plus 50%; the house rent allowance calculator shows the other-station rate and the rent cut for a government house.
What changed for BPS-15 in July 2026
- Basic pay: the minimum went from Rs 23,920 to Rs 28,730 and the increment from Rs 1,980 to Rs 2,380, because ARA-2022 and ARA-2025 were merged into pay.
- New allowance: ARA-2026 at 7% of basic pay, Rs 2,011 at the minimum. Last year's raise was ARA-2025 at 10% of BPS-2022 pay.
- Conveyance: BPS 11 to 15 went from Rs 2,856 to Rs 4,284 a month.
- Frozen: house rent allowance and medical allowance stay at their 30 June 2026 level.
Compare the scale with its neighbours: bps 14 salary in pakistan and bps 16 salary in pakistan. BPS-16 moves to the higher conveyance rate of Rs 7,500.
BPS-15 allowances and deductions before and after 1 July 2026
At the minimum of the scale. Federal rates.
| Item, per month | From 1 July 2026 | Up to 30 June 2026 | Rule |
|---|---|---|---|
| Basic pay at the minimum | 28,730 | 23,920 | BPS-2026 from 1 July 2026; BPS-2022 before |
| Annual increment | 2,380 | 1,980 | Added on 1 December each year |
| Relief allowance ARA-2026; before, ARA-2025 | 2,011 | 2,392 | 7% of running basic pay (ARA-2026); ARA-2025 was 10% of BPS-2022 pay and ARA-2022 15% of BPS-2017 pay, both now merged into basic pay |
| House rent allowance, big city | 3,524 | 3,524 | 45% of the BPS-2008 minimum (5,220) plus 50%; frozen |
| House rent allowance, other station | 2,349 | 2,349 | 30% of the BPS-2008 minimum plus 50%; frozen |
| Conveyance allowance | 4,284 | 2,856 | Rate for BPS 11 to 15; raised by 50% from 1 July 2026 |
| Medical allowance | 1,500 | 1,500 | Fixed amount |
| GP Fund subscription | 4,290 | 4,290 | 2022 uniform rate for the scale |
| Benevolent fund | 672 | 576 | FEB&GIF slab on basic pay |
| Group insurance | Nil | Nil | Paid by the Finance Division below BPS-17 |
BPS-15 salary questions
What is the salary of BPS-15 in Pakistan in 2026?
Basic pay runs from Rs 28,730 to Rs 100,130. With allowances, a federal employee at the minimum in a big city gets Rs 40,049 gross and Rs 35,087 take-home pay. At a smaller station the take-home pay is Rs 33,912.
What is the BPS-15 annual increment?
Rs 2,380 a month from 1 December each year, up from Rs 1,980 in the 2022 scale. Including the 7% allowance on it, gross pay at stage 10 rises by Rs 2,547.
When does a BPS-15 employee start paying income tax?
At stage 5 on federal rates, when twelve months of taxable pay first pass Rs 600,000. The tax is small at first, Rs 13 a month at stage 5 in a big city, and Rs 2,144 at the maximum.
How many stages does BPS-15 have?
30 increments above the minimum, so 31 points in all, the same as every scale from BPS-1 to BPS-16. After the last one, further increments are paid as personal pay.
Does this apply to Punjab and Sindh employees in BPS-15?
The basic pay and the 7% ARA-2026 do, because Punjab and Sindh adopted BPS-2026 from 1 July 2026. House rent, medical allowance and deductions follow each province's own orders. The government salary calculator has a Punjab option.
Last reviewed 8 November 2026. Results are estimates; official notices always take precedence.