How to Use the GP Fund Calculator
- Select your Basic Pay Scale: choose BS-1 to BS-22.
- Check your monthly subscription: the calculator loads the prescribed amount from the 13 August 2026 notification.
- Check your opening balance: use an official GP Fund statement to verify the balance before your selected projection start month.
- Enter the markup rate: use the official rate for the relevant fiscal year. The default 12.05% is for FY 2025-26.
- Choose the period: select the start month and number of months.
- Calculate and review: check contributions, estimated markup, the month-by-month schedule and closing balance.
How to verify your inputs before calculating
Confirm your Basic Pay Scale and current GP Fund deduction from your latest pay slip, and use an official GP Fund statement to verify the balance and transactions before your projection starts. Do not enter transactions again when they are already reflected in that balance.
The calculator does not contain separate inputs for advances, withdrawals, refunds or missing deductions. If any such transaction occurred after the date of your statement, the projection may not match the departmental ledger. Obtain an updated statement or confirm the adjustment with your accounts office or AGPR before relying on the estimate.
Employees of autonomous or semi-autonomous bodies should not assume that the Federal Government subscription table automatically applies to them. They should confirm that their organization has adopted the notification and verify the applicable deduction with their accounts office.
Example: BS-16 Federal Government employee
This engine-generated scenario uses BS-16, an opening balance of Rs. 500,000 standing immediately before August 2026, an applicable markup rate of 12.05%, a projection start month of August 2026, a calculation period of 12 months and an additional monthly contribution of Rs. 0. The notification lists a mean basic pay of Rs. 74,520 and a prescribed monthly GP Fund subscription of Rs. 5,962 for BS-16. The projection gives:
Opening balance
Rs. 500,000
Annual contributions
Rs. 71,544
Estimated markup
Rs. 68,537.56
Estimated closing balance
Rs. 640,081.56
This engine-generated result is an estimate based on the entered assumptions and a simple monthly projection. It is not an official AGPR statement balance.
What is GP Fund?
General Provident Fund, commonly called GP Fund or GPF, is a provident fund arrangement for eligible government employees. Employee subscriptions accumulate in the fund, and markup may be credited according to applicable government rules and the rate notified for a fiscal year.
What is GP Fund subscription?
GP Fund subscription is the monthly amount deducted from an employee's salary and credited to the General Provident Fund. The 13 August 2026 notification prescribes monthly amounts by Basic Pay Scale using the mean basic pay of the relevant scale and the stated minimum subscription rules.
What is GP Fund markup?
GP Fund markup is the return or credit applied to the fund balance under the applicable government-determined rate and rules. It is separate from the monthly subscription and can change by fiscal year. It should not be described as a bank interest rate.
Why is the subscription not a simple percentage of actual basic pay?
The notification provides a prescribed monthly subscription based on the mean of the relevant Basic Pay Scale, while also stating minimum subscription rates: 3% of mean basic pay for BS-1, 5% for BS-2 to BS-11, and 8% for BS-12 to BS-22. These 3%, 5% and 8% figures are subscription rates, not GP Fund markup rates. Therefore, this calculator uses the notified BS-wise amount instead of applying a percentage to each employee's current actual basic pay.
For example, BS-16 has a mean basic pay of Rs. 74,520 and a prescribed monthly subscription of Rs. 5,962. The figure is a notified scale-based amount, not a claim that every employee in BS-16 has exactly the mean basic pay.
What changed in Federal GP Fund subscriptions for 2026-27?
Notification No. F. N. 2(1)R-7/2026-0001 is dated 13 August 2026. The prescribed subscriptions are based on mean pay under the Basic Pay Scales 2022. The notification uses 3% for BS-1, 5% for BS-2 to BS-11 and 8% for BS-12 to BS-22, with the prescribed BS-wise monthly amounts already shown in the table above.
The revised deductions apply from August 2026 salary, payable on 1 September 2026, until further orders. The supplied 2026 notification does not provide the previous BS-wise monthly subscription schedule, so this page does not claim or calculate a rupee or percentage increase from 2025-26.
This page does not show a rupee or percentage increase over the previous subscription schedule because the cited 13 August 2026 notification does not reproduce the previous BS-wise monthly amounts.
Official GP Fund markup-rate references
The new 2026-27 rates in the subscription notification are 3%, 5% and 8% by BS range; they are not markup rates. Markup is separate from subscription. The latest official markup notification currently used by this page reports 12.05% for FY 2025-26. No separate FY 2026-27 markup percentage is stated in the subscription notification, so the calculator does not invent one.
| Fiscal year | Official markup rate | Use on this page |
|---|---|---|
| FY 2024-25 | 12.46% | Previous official reference |
| FY 2025-26 | 12.05% | Default calculator assumption |
| FY 2026-27 | Subscription rates are 3%, 5% and 8% by BS range. | No separate markup percentage is stated in the subscription notification. |
For the latest explanation of the Federal notification and Punjab's current position, read GP Fund Interest Rate 2026–27 in Pakistan.
Official GP Fund Notification 2026
Government of Pakistan, Ministry of Finance
- Notification No.
- F. N. 2(1)R-7/2026-0001
- Date
- 13 August 2026
- Subject
- Uniform Rates of Subscription Towards General Provident Fund
The memorandum follows the revision of Federal Government Basic Pay Scales 2026 and states that deductions under the new pay scales are made from August 2026 salary and paid on 1 September 2026 until further orders.
This document is also listed in the HisaabKit Resources section.
BS-wise GP Fund Subscription Rates 2026
The following crawlable HTML table reproduces the BS-1 to BS-22 values in the 13 August 2026 notification. The new 2026-27 subscription formula uses the minimum rate for the selected BS range multiplied by mean basic pay, rounded to the notified table amount. For BS-16, the monthly GP Fund subscription is Rs. 5,962; for BS-17 it is Rs. 7,619; and for BS-18 it is Rs. 9,562.
| BS | Minimum basic pay | Maximum basic pay | Mean basic pay | Monthly GP Fund subscription |
|---|---|---|---|---|
| BS-1 | Rs. 16,280 | Rs. 31,880 | Rs. 24,080 | Rs. 722 |
| BS-2 | Rs. 16,600 | Rs. 34,300 | Rs. 25,450 | Rs. 1,273 |
| BS-3 | Rs. 17,130 | Rs. 38,130 | Rs. 27,630 | Rs. 1,382 |
| BS-4 | Rs. 17,650 | Rs. 41,650 | Rs. 29,650 | Rs. 1,483 |
| BS-5 | Rs. 18,300 | Rs. 45,600 | Rs. 31,950 | Rs. 1,598 |
| BS-6 | Rs. 18,930 | Rs. 49,230 | Rs. 34,080 | Rs. 1,704 |
| BS-7 | Rs. 19,590 | Rs. 52,590 | Rs. 36,090 | Rs. 1,805 |
| BS-8 | Rs. 20,290 | Rs. 56,590 | Rs. 38,440 | Rs. 1,922 |
| BS-9 | Rs. 20,990 | Rs. 60,290 | Rs. 40,640 | Rs. 2,032 |
| BS-10 | Rs. 21,680 | Rs. 64,580 | Rs. 43,130 | Rs. 2,157 |
| BS-11 | Rs. 22,410 | Rs. 69,810 | Rs. 46,110 | Rs. 2,306 |
| BS-12 | Rs. 23,750 | Rs. 75,350 | Rs. 49,550 | Rs. 3,964 |
| BS-13 | Rs. 25,420 | Rs. 81,820 | Rs. 53,620 | Rs. 4,290 |
| BS-14 | Rs. 27,060 | Rs. 89,760 | Rs. 58,410 | Rs. 4,673 |
| BS-15 | Rs. 28,730 | Rs. 100,130 | Rs. 64,430 | Rs. 5,154 |
| BS-16 | Rs. 33,720 | Rs. 115,320 | Rs. 74,520 | Rs. 5,962 |
| BS-17 | Rs. 54,140 | Rs. 136,340 | Rs. 95,240 | Rs. 7,619 |
| BS-18 | Rs. 68,330 | Rs. 170,730 | Rs. 119,530 | Rs. 9,562 |
| BS-19 | Rs. 105,510 | Rs. 214,510 | Rs. 160,010 | Rs. 12,801 |
| BS-20 | Rs. 123,090 | Rs. 235,650 | Rs. 179,370 | Rs. 14,350 |
| BS-21 | Rs. 136,680 | Rs. 261,560 | Rs. 199,120 | Rs. 15,930 |
| BS-22 | Rs. 146,770 | Rs. 293,350 | Rs. 220,060 | Rs. 17,605 |
Minimum subscription rules in the notification are 3% of mean basic pay for BS-1, 5% for BS-2 to BS-11, and 8% for BS-12 to BS-22. The displayed amounts above are the prescribed table values.
How markup affects the estimated GP Fund balance
This calculator uses a transparent monthly projection for planning:
Monthly estimated markup = (opening balance + contribution) × (annual markup rate ÷ 12)
Estimated closing balance = opening balance + contribution + estimated markup. The contribution includes the notified monthly subscription and any optional additional monthly amount entered by the user.
Actual government accounting may use different timing, balances, withdrawals, credits or other ledger rules. The result is therefore a GP Fund contribution and markup estimate, not an official AGPR ledger calculation.
More practical GP Fund examples
BS-5
Monthly subscription: Rs. 1,598.
6 months: Rs. 9,588 before markup.
1 year: Rs. 19,176 before markup.
BS-10
Monthly subscription: Rs. 2,157.
6 months: Rs. 12,942 before markup.
1 year: Rs. 25,884 before markup.
BS-17
Monthly subscription: Rs. 7,619.
Annual contribution: Rs. 7,619 × 12 = Rs. 91,428 before markup.
Complete six-month planning scenario: BS-17
Inputs: opening balance Rs. 1,000,000 immediately before August 2026; applicable markup rate 12.05%; projection start month August 2026; calculation period 6 months, covering August 2026 through January 2027; optional additional monthly contribution Rs. 2,000.
- Prescribed monthly subscription
- Rs. 7,619
- Optional additional contribution
- Rs. 2,000
- Total monthly contribution
- Rs. 9,619
- Total contributions over six months
- Rs. 57,714
- Estimated markup
- Rs. 63,845.63
- Estimated closing balance
- Rs. 1,121,559.63
An additional contribution entered here is a planning scenario; confirm with your department whether and how any amount above the prescribed subscription may be deposited or deducted.
Related salary, tax and pension calculators
Use the Basic Pay Scale & Stage Calculator to calculate basic pay by BPS and stage. Use the Salary Tax Calculator or FBR Tax Calculator to estimate income tax, and the Federal Pension Calculator for pension planning.
Frequently Asked Questions About GP Fund
What does the Federal Government GP Fund Calculator estimate?
It estimates Federal Government GP Fund contributions, projected markup and an estimated closing balance using the notified BS-1 to BS-22 subscription amounts and the markup rate you enter.
Who can use this Federal GP Fund calculator?
It is intended for Federal Government employees whose GP Fund subscription follows the Ministry of Finance notification dated 13 August 2026.
Do the Federal GP Fund rates automatically apply to autonomous bodies?
No. Employees of autonomous or semi-autonomous bodies should confirm that their organization adopted the notification and verify the applicable deduction with their accounts office.
What is the latest Federal GP Fund subscription notification?
The relevant subscription notification is Ministry of Finance Notification No. F. N. 2(1)R-7/2026-0001 dated 13 August 2026, titled Uniform Rates of Subscription Towards General Provident Fund.
When did the 2026-27 subscription rates take effect?
The notification states that deductions under the revised pay scales apply from August 2026 salary and are paid on 1 September 2026 until further orders.
What are the GP Fund subscription rates for BS-1 to BS-22?
The minimum subscription rates are 3% of mean basic pay for BS-1, 5% for BS-2 to BS-11 and 8% for BS-12 to BS-22. Use the visible BS-wise table for the prescribed monthly amount for each scale.
What is the prescribed GP Fund subscription for BS-16?
The prescribed monthly GP Fund subscription for BS-16 is Rs. 5,962 under the 13 August 2026 Federal Government subscription notification.
Why does the calculator use a 12.05% markup rate?
The default 12.05% is the official GP Fund markup rate for FY 2025-26. It is the current configured assumption and is not being presented as a FY 2026-27 markup rate.
Is GP Fund subscription the same as GP Fund markup?
No. Subscription is the prescribed monthly contribution deducted from salary, while markup is a separate credit applied under the applicable government-determined fiscal-year rate.
What opening GP Fund balance should I enter?
Enter the balance standing immediately before the selected projection start month. For example, if the projection starts in August 2026, use the balance at the end of July 2026. If only an older official statement is available, the estimate will not include later transactions that are missing from that balance.
What does Projection Start Month mean?
It is the first month included in the estimate schedule. Selecting August 2026 means the calculator begins with the August 2026 subscription, optional contribution and estimated markup entry.
What does Calculation Period mean?
It is the number of consecutive months included from the selected start month. Six months from August 2026 covers August 2026 through January 2027.
Should I verify the deduction against my pay slip?
Yes. Confirm your Basic Pay Scale and current GP Fund deduction against your latest pay slip before calculating.
Does the calculator handle advances, withdrawals, refunds or missing deductions?
No. The calculator has no separate inputs for advances, withdrawals, refunds or missing deductions. Confirm any such adjustment with your accounts office or AGPR and use an updated statement when available.
Is the estimated closing balance an official AGPR balance?
No. The closing balance is a planning estimate and not an official AGPR or departmental ledger balance, statement or final settlement.
Can I include an additional monthly contribution?
Yes, as an optional planning scenario. Confirm with your department whether and how any amount above the prescribed subscription may be deposited or deducted.
Where can I download the official GP Fund notifications?
Use the clearly labelled Finance Division subscription and markup sources, the local notification PDF download and the HisaabKit Resources link shown on this page.
Sources and references
- Ministry of Finance notification: Uniform Rates of Subscription Towards General Provident Fund, 13 August 2026.
- Ministry of Finance markup notification: State Provident Fund / General Provident Fund, FY 2025-26.
- Previous official markup reference: FY 2024-25 at 12.46%.
- Accountant General Pakistan Revenues (AGPR): official Federal accounts and GP Fund record guidance.
- HisaabKit Resources: Federal Government GP Fund notification download.
This Federal Government GP Fund Calculator is an estimate and reference tool. It uses the notified BS-wise subscription amounts and the markup rate entered by the user. It does not reproduce an official AGPR ledger, statement or final settlement, and it should not be treated as legal, accounting or financial advice. Confirm your balance, deductions, eligibility and applicable rate with your department or the relevant government authority.