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BPS-07 Salary in Pakistan 2026-27

Basic pay, allowances and take-home pay for BPS-7 (often written BPS-07) from 1 July 2026, at every stage of the scale.
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0 is the minimum of the scale

Place of posting (for house rent allowance)
BPS-7, stage 0Federal, big city
Take-home pay per month
25,763Rs
Basic pay
Basic pay 19,590 + 0 x 1,100Rs 19,590
Same stage in BPS-2022 up to 30 June 2026Rs 16,310
Allowances
Ad hoc Relief Allowance 2026 7% of basic payRs 1,371
House rent allowance big cityRs 2,384
Conveyance allowanceRs 2,898
Medical allowance fixed rateRs 1,500
Gross payRs 27,743
Deductions
GP Fund subscription− Rs 1,500
Benevolent fund− Rs 480
Income tax 314,916 a year taxable− Rs 0
Take-home payRs 25,763
Next steps
Basic pay after the next increment on 1 DecemberRs 20,690
Increments left to the maximum30
Maximum of BPS-7Rs 52,590

For a federal employee in a rented or own house, with no Disparity Reduction Allowance or special pay. GP Fund is your own saving and comes back at retirement. Medical allowance up to 10% of basic pay is left out of taxable pay.

A new BPS-7 employee of the federal government gets Rs 19,590 basic pay a month in 2026-27. With allowances the gross is Rs 27,743 in a big city and Rs 26,948 at other stations, and take-home pay is Rs 25,763 or Rs 24,968. There is no income tax on BPS-7 pay until stage 21, and even at the maximum of Rs 52,590 it is Rs 116 a month.

The scale has 30 annual increments of Rs 1,100, added each 1 December. Punjab, Sindh and Khyber Pakhtunkhwa use the same BPS-2026 basic pay and 7% ARA-2026; their own orders set some allowances and deductions, so check those lines on your slip.

House rent and conveyance for BPS-7

Allowance Rule for BPS-7 Per month
House rent, big city 45% of the 2008 BPS-7 minimum (Rs 3,530), plus 50% Rs 2,384
House rent, other station 30% of the same minimum, plus 50% Rs 1,589
Government-owned house No house rent; 5% of basic pay deducted as rent Nil
Conveyance Flat rate for BPS 5 to 10 (was Rs 1,932) Rs 2,898
Medical Fixed amount for BPS 1 to 15 Rs 1,500

The big-city rate applies in Islamabad, Karachi, Lahore, Peshawar, Quetta, Rawalpindi, Hyderabad, Multan and Faisalabad. House rent is tied to the old 2008 minimum, not to today's pay, so it does not rise with increments. The rent deduction is waived in a government-owned house only for BPS 1 to 5, so a BPS-7 employee living in one pays it.

Conveyance goes by bands: BPS 1 to 4 get Rs 2,678, BPS 5 to 10 get Rs 2,898, and it jumps to Rs 4,284 at BPS-11. It is not paid to anyone with an official vehicle or transport monetisation. Both rates are explained further under house rent allowance federal government employees and conveyance allowance for federal government employees.

BPS-7 pay at each stage, 2026-27

Federal employee in a big city, own or rented house. Rupees a month.

StageBasic pay 2026-27Same stage 2025-26Gross payIncome taxTake-home pay
019,59016,31027,743025,763
120,69017,22028,920026,940
221,79018,13030,097028,069
322,89019,04031,274029,246
423,99019,95032,451030,375
525,09020,86033,628031,504
626,19021,77034,805032,681
727,29022,68035,982033,810
828,39023,59037,159034,987
929,49024,50038,336036,116
1030,59025,41039,513037,293
1131,69026,32040,690038,422
1232,79027,23041,867039,599
1333,89028,14043,044040,728
1434,99029,05044,221041,905
1536,09029,96045,398043,034
1637,19030,87046,575044,163
1738,29031,78047,752045,340
1839,39032,69048,929046,469
1940,49033,60050,106047,646
2041,59034,51051,283048,823
2142,69035,42052,4601049,990
2243,79036,33053,6372151,156
2344,89037,24054,8143352,321
2445,99038,15055,9914553,486
2547,09039,06057,1685754,651
2648,19039,97058,3456855,817
2749,29040,88059,5228056,982
2850,39041,79060,6999258,147
2951,49042,70061,87610459,312
3052,59043,61063,05311660,477

Tax first appears at stage 21, when twelve months of taxable pay pass the tax-free Rs 600,000: Rs 10 a month in a big city and Rs 2 elsewhere.

Worked example: a new BPS-7 employee outside the big cities

  1. Basic pay at the minimum: Rs 19,590
  2. ARA-2026, 7% of basic pay: Rs 1,371
  3. House rent at 30%: Rs 1,589
  4. Conveyance Rs 2,898 and medical Rs 1,500
  5. Gross pay: Rs 26,948
  6. GP Fund Rs 1,500 and benevolent fund Rs 480; no group insurance and no income tax
  7. Take-home pay: Rs 24,968

Why two increments can give different take-home pay

The first increment on 1 December adds Rs 1,177 to gross pay, and all of it reaches take-home pay. The second adds the same gross, but take-home pay rises by only Rs 1,129. Basic pay has crossed a benevolent fund slab, so that deduction goes up from Rs 480 to Rs 528. The fund deducts by slabs of basic pay until it reaches Rs 960.

BPS-7 salary questions

What is BPS-7 salary in Pakistan in 2026?

Basic pay starts at Rs 19,590. A new federal employee in a big city receives Rs 27,743 gross and Rs 25,763 after deductions. After ten increments take-home pay is Rs 37,293, and at the maximum Rs 60,477.

What is the basic pay of BPS 07?

Rs 19,590 at the minimum, plus Rs 1,100 for each stage, to Rs 52,590. Up to 30 June 2026 it was Rs 16,310 with an increment of Rs 910; the 2026 scale merged ARA-2022 and ARA-2025 into basic pay.

Is income tax deducted from BPS-7 salary?

Not until stage 21. Below that, twelve months of taxable pay stay under Rs 600,000, the tax-free limit for 2026-27. From stage 21 the tax is small: Rs 10 a month in a big city and Rs 116 at the maximum.

How much house rent allowance does BPS-7 get?

Rs 2,384 a month in the nine big cities and Rs 1,589 at other stations. It is not paid to anyone living in a government-owned or hired house; instead 5% of basic pay is deducted as rent.

Is group insurance deducted from BPS-7 pay?

No. Federal group insurance is deducted from BPS-17 upwards; for lower scales the Finance Division pays it. GP Fund (Rs 1,500) and the benevolent fund are deducted.

How does BPS-7 compare with BPS-9?

Both get the same conveyance and medical allowance. BPS-9 starts higher, at Rs 20,990, with a larger increment of Rs 1,310, and its house rent is a little higher. See bps 9 salary in pakistan for every BPS-9 stage, or the bps salary chart 2026 for all scales.

Sources: Finance Division OM No.F.1(2)IMP/2026 of 21 July 2026 (Revision of Basic Pay Scales and Allowances 2026, with the BPS-2022 and BPS-2026 charts and ARA-2026); Khyber Pakhtunkhwa Finance Department notification No. FD(SOSR-1)1-1/2026 of 22 July 2026 (Basic Pay Scales 2026); Punjab and Sindh Finance Department notifications of July 2026; Finance Division OM No.3(1)R-5/2010-P-001 of 21 July 2026 (conveyance allowance); Finance Division orders on house rent allowance (30 June 2008 and 2 July 2018), medical allowance (2013 and 2015) and GP Fund rates (31 August 2022); Accommodation Allocation Rules 2002, rule 26; FEB&GIF schedules; Finance Act 2026 (salary tax slabs). FEB&GIF note on group insurance for BS 1 to 16.

Last reviewed 8 November 2026. Results are estimates; official notices always take precedence.