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Ufone Tax Calculator: Ufone Balance After Load

Balance from a Ufone recharge after 15% advance income tax, and the 19.5% GST taken on usage, using Ufone's own tax table by region.
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Only for non-filers FBR has listed by name. Being off the ATL alone does not change the rate.

Ufone load taxPunjab
Balance you get
434.78Rs
Recharge500.00
Advance income tax (15%, section 236)65.22
Balance credited434.78
Sales tax paid as you use it (19.5%)70.95
Value of calls, SMS and data you get363.83
Total tax136.17 (27.2%)

Advance tax = recharge × 15 ÷ 115. It is adjustable against your income tax if you file a return.

A Rs 500 Ufone load gives Rs 434.78 balance, and Rs 100 gives Rs 86.96. Ufone says it is designated under section 236 of the Income Tax Ordinance to collect advance income tax (AIT) from its customers, at 15%. GST of 19.5% is charged on the services you use.

Ufone publishes its rates by region, which the table below repeats. Pick your region in the calculator; Gilgit-Baltistan has no tax at all.

Ufone tax rates by region

This is Ufone's published table (September 2026). Ufone uses "GST" for provincial or territorial sales tax, or federal excise duty where that applies.

Region GST AIT
Punjab 19.5% 15%
Sindh 19.5% 15%
Khyber Pakhtunkhwa 19.5% 15%
Balochistan 19.5% 15%
Islamabad 19.5% 15%
Azad Jammu and Kashmir 19.5% 15%
Former FATA and PATA merged with KP 19.5% 15%
Former PATA merged with Balochistan 19.5% 15%
Gilgit-Baltistan 0% 0%

Ufone also says customers exempt from AIT should share their exemption certificate with Ufone.

Ufone 100 load tax and other amounts

All regions except Gilgit-Baltistan.

RechargeAdvance tax 15%Balance creditedSales tax on use 19.5%Net usage value
Rs 100Rs 13.04Rs 86.96Rs 14.19Rs 72.77
Rs 200Rs 26.09Rs 173.91Rs 28.38Rs 145.53
Rs 300Rs 39.13Rs 260.87Rs 42.57Rs 218.30
Rs 500Rs 65.22Rs 434.78Rs 70.95Rs 363.83
Rs 1,000Rs 130.43Rs 869.57Rs 141.90Rs 727.67
Rs 2,000Rs 260.87Rs 1,739.13Rs 283.79Rs 1,455.34

Worked example: Ufone Rs 500 load

  1. AIT: 500 × 15 ÷ 115 = Rs 65.22
  2. Balance: 500 − 65.22 = Rs 434.78
  3. GST inside that balance when used: 434.78 × 19.5 ÷ 119.5 = Rs 70.95
  4. Service value: Rs 363.83

In Gilgit-Baltistan the same Rs 500 gives Rs 500 of balance and no GST is taken on usage.

Ufone tax questions

How much tax on Ufone Rs 100 load?

Rs 13.04 AIT, so Rs 86.96 goes to your balance. GST at 19.5% is then inside what you spend, which is Rs 14.19 of the Rs 86.96. In Gilgit-Baltistan neither tax applies and you keep the full Rs 100.

How do I get a Ufone tax certificate?

Ufone can issue a certificate showing the AIT collected on your number in a tax year. Ask through Ufone's official app, website or helpline. Enter the amount in your income tax return as advance tax paid, where it counts against your liability.

Does Ufone charge tax in Azad Kashmir and the merged districts?

Yes. Ufone's table lists 19.5% GST and 15% AIT for Azad Jammu and Kashmir, for the former FATA and PATA areas merged with Khyber Pakhtunkhwa, and for the former PATA areas merged with Balochistan. Only Gilgit-Baltistan is shown at 0% for both.

Who is exempt from Ufone advance tax?

Ufone lists Gilgit-Baltistan at 0%. Others can be exempt only with a valid exemption certificate, which Ufone asks you to share with its staff. Being a filer is not an exemption: filers also pay 15%, and claim it back through their return.

How much should I load on Ufone to get Rs 1,000 balance?

Rs 1,150, because the balance is the load divided by 1.15. Select "I want balance" and type the amount you need to check any other figure.

Sources: Ufone tax page listing AIT and GST by region (September 2026); Income Tax Ordinance 2001, section 236 and Division V of Part IV of the First Schedule; FBR Withholding Income Tax Rate Card updated to 30 June 2026.

Last reviewed 29 September 2026. Results are estimates; official notices always take precedence.