05/09/2025
Here are the *pros and cons* of being a *filer* vs *non-filer* in Pakistan:
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✅ *Filer (Active Taxpayer)*
*Pros:*
- Lower tax rates on:
- Bank withdrawals
- Property transactions
- Vehicle registration
- Withholding taxes
- Eligible for government tenders & contracts
- Shows financial transparency
- No penalty notices from FBR (if compliant)
*Cons:*
- Must file tax return every year
- May receive FBR notices if returns are inaccurate
- Requires basic financial records
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❌ *Non-Filer*
*Pros:*
- No need to file tax returns
- No direct dealings with FBR (but this is short-term ease)
*Cons:*
- Higher tax rates on:
- Bank withdrawals (0.6% if over 50k/day)
- Property purchases/sales
- Car registration
- Dividends/profits
- Not eligible for many business contracts or bank facilities
- Risk of penalties if identified by FBR
- May face difficulty in getting loans, visas, etc.
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*Bottom line:*
Becoming a *filer* may require effort, but it saves money and builds credibility.
