Multan's economy is tied to the land around it: cotton, mangoes, wheat, citrus, and the industries and markets that grow up around them. It is also a city of doctors, shopkeepers and an old bazaar culture, and a lot of income in Multan arrives in seasonal waves. A tax return has to summarise all of it in a single tax year, and the honest way to do that is to keep records in the same rhythm as the income.
Returns are filed online through IRIS, and NTNWaale prepares and submits them remotely over WhatsApp, including for people who live in the surrounding districts. If you have not yet registered, see NTN registration in Multan.
Who in Multan Has to File
Anyone with an NTN and taxable income owes an annual return. In Multan that typically means:
- Cotton, wheat and mango traders, commission agents and exporters
- Owners of ginning, spinning and textile units
- Fertiliser, seed and pesticide dealers
- Blue-pottery makers, handicraft sellers and bazaar traders
- Doctors, hospital staff and private clinics
- Landlords and property investors in the city and its new schemes
- Transporters and salaried staff of banks, universities and firms
Cotton and Ginning
Cotton is bought from growers in the autumn, ginned into lint and seed, and sold to spinning mills over the months that follow. A ginner's return has to capture the season's purchases, the processing costs, the sales of lint and cotton seed and the stock still unsold on 30 June. The stock figure is the one that most often needs work: it should be backed by a count and by the purchase bills, not by an estimate made in September.
Ginners and traders who sell to mills often have tax deducted at source. The slips are credits and should be gathered through the year. Our overview of withholding tax rates explains what buyers deduct.
Mango Season Traders and Exporters
Multan's mango season is short, busy and lucrative. Traders buy from orchards, sort, pack and sell to domestic buyers and exporters, mostly within a few weeks. Since the season falls at the start of the tax year, income from mangoes is spread across the return in a way that differs from cotton's. A trader who lists each lot with date, quantity, price and buyer will have a return that is easy to defend. Exporters should keep shipping documents and bank advices, and can ask us whether any special arrangements apply.
Agri-Input Dealers and Their Credit Sales
Dealers in fertiliser, seed and pesticides often sell to farmers on credit until the harvest, which means their year-end position includes large receivables. Those amounts are assets and belong in the wealth statement, and a ledger of who owes what and since when is the support for them. When a customer fails to pay, the debt can sometimes be written off, but only with a record of efforts to collect. A dealer who keeps this ledger has the return half done.
Textile Units and Job-Work
Spinning, weaving and processing units, and the small workshops that work for them, have returns built from sales, raw material, wages, power, repairs and depreciation, with stock at year end. Small units that work on a job-work basis should keep the customers' goods and their own stock apart in the records. Buyers who deduct tax give slips, which are credits. Our guide for manufacturers explains what is normally deductible.
Doctors and Private Clinics
Multan's medical sector, with its hospitals and clinics, has many doctors who earn both a salary and private fees. The two are reported separately, and the fees need a register with date and amount. Clinic costs — rent, staff, medicines, equipment — are deductible when recorded. Our tax guide for doctors explains the treatment.
Property, Rent and the Wealth Statement
Rent is income, a sale produces a separate calculation, and the property itself is an asset in the wealth statement. Multan investors with plots in new schemes should keep the allotment letters and payment receipts with the wealth-statement papers, and each purchase should match a traceable source of funds. Our rental income guide covers the details.
The September Deadline
The individual return for the year ending 30 June is expected by 30 September, unless FBR announces an extension. Late filing takes you off the Active Taxpayer List until you file, raises withholding on banking and property dealings and can attract a penalty. Our deadline guide explains the position.
Documents We Ask You For
Please send your CNIC and NTN; a list of lots or sales with dates; purchase bills; deduction slips from mills, exporters and other buyers; a salary certificate if you are employed; rent agreements; twelve months of bank statements; papers for any land, plot or vehicle bought or sold; and a short list of what you own and owe on 30 June.
How We Work and What We Charge
You send the papers to us on WhatsApp. We prepare the return and wealth statement, send you a summary and file on IRIS after you approve it. Fees are PKR 3,000 for salaried returns, PKR 4,500 for traders, freelancers and sole proprietors, and PKR 7,500 for partnerships, as on the pricing page.
Mistakes We See in Multan
- Guessing the year-end stock. Count it, and keep the bills.
- Ignoring credit sales. Money owed by customers is an asset.
- Forgetting deduction slips. Every slip is a credit against the year's tax.
- Mixing farm and trading income. Only your own crop is agricultural.
- Filing at the last minute. Records take days to collect.
Filing for Missed Years
If you registered but never filed, tell us which years are missing. We will prepare the returns worth filing, in a sensible order, and return you to the Active Taxpayer List.
Blue Pottery and Handicraft Businesses
Multan is known for blue pottery, camel-skin lamps and handicrafts sold to visitors and dealers. Small workshops sell directly and through shops, and their income is spread across many small transactions. A daily sales book and a folder of supplier bills for clay, colour and packaging provide everything the return needs. Workshops that also export should keep shipping documents and bank advices.
Shrine-Area Shopkeepers and Seasonal Crowds
Shops and stalls near the city's shrines see waves of visitors during festivals and urs celebrations. Their trade peaks in those days, and a return should reflect that rhythm. A shopkeeper who writes down the day's takings during festival weeks, and keeps his supplier bills, will find his return easy to defend and easy to prepare.
Citrus Growers and Orchard Owners
Orchard owners in the surrounding districts sell citrus, mangoes and dates through Multan's markets. Income from the crop of your own trees is generally agricultural and treated separately. Commission paid to agents, transport, packing and labour are costs of that business, and are worth recording even when the income is separate, since they explain the size of the deposits in the bank.
Fertiliser Plant Staff and Contractors
Multan's industrial area includes fertiliser and power-sector employers, and around them a network of contractors, transporters and suppliers. A contractor's return shows the contract receipts, with tax deducted, and the costs of labour, materials and equipment. The slips from the principal are credits, and the contract documents are the best support for the income declared.
Medical College Staff and Lecturers
The city's medical and other colleges employ many lecturers and doctors who also earn from private practice, tuition or writing. Each stream is reported separately, with its own record. The salary certificate covers only the main post. Side income is easy to leave out and equally easy to record if a monthly note is kept.
Papers Photographed Properly
Whatever you send, lay each page flat in daylight so every figure is legible. Blurry photographs of ledger pages and bank statements are the most frequent cause of delay at our end, and easily avoided.
Check the Summary Before Filing
We send a plain summary of income, costs, tax already deducted and assets before we submit. Please compare it with your own records. A wrong figure caught at that stage costs nothing to fix; caught later, it needs a revised return.
Old-City Bazaars and Family Shops
Shops in the old bazaars around the fort area and Hussain Agahi often run from father to son with ledgers that go back decades. Those ledgers are a good basis for a return; they just need to be totalled and reconciled against the year's bank statements. We do the totalling, and only ask you to tell us what each column means.
Transport Operators and Warehouse Owners
Multan is a hub for goods moving up and down the country, which supports transporters, warehouse owners and loading contractors. Their return shows freight or storage income, less fuel, wages, rent, repairs and interest. Warehouses that store goods for others should record each customer, the goods held and the fee charged; this makes the income easy to support and the costs easy to attribute.
Where Money From Abroad Goes
Many Multan households have relatives abroad, and remittances often pay for a house, a shop or a plot. That money is a source of funds, not income of the recipient, and the wealth statement should show it as such, with the bank records kept alongside the purchase papers. Income the asset later produces, such as rent, is reported in the usual way. Our remittance guide explains the treatment.
Graduates and Online Workers
Multan's universities produce graduates who work online, tutor or start small ventures. Their income arrives through transfers and wallets, and the return is quick if a monthly note has been kept. Our freelancer tax guide covers how such earnings are treated.
Ask the Bank for Statements Early
Bank statements for the whole year, from 1 July to 30 June, take several days to obtain from busy branches. Ask for them at the start of September, account by account, and send each as it arrives. Everything else can be prepared while you wait.
Salary Earners With a Second Income in Multan
Teachers, bank staff, clerks and engineers in the city often earn something extra: a rented room, private tuition, a few acres of leased land, weekend consultancy. The salary certificate covers only the main job. Each side stream goes on the return separately, and a monthly note of the amounts makes the record simple to assemble.
Small Loans From Committees and Relatives
Traders in the city commonly raise working capital through informal committees and loans from relatives. Such money is a liability on 30 June if it is still owed. A note giving the lender, the amount and the date is enough to support the entry, and it explains any large deposit that appears in the bank statement.
File From Multan
Send your CNIC, NTN and whatever papers you have to 0324-0400564 on WhatsApp. For a general walk-through, see how to file an income tax return in Pakistan.