Car On Road Price in Pakistan 2026 — What Is Included?
When buying a new car in Pakistan, you will encounter two price figures: the ex-factory price and the on-road price. The difference can be Rs 150,000 to Rs 800,000 depending on the vehicle and province of registration. Understanding what is included in the car on-road price is essential for accurate budget planning — and for avoiding unpleasant surprises at the dealership. This guide explains every component of Pakistan’s on-road car pricing.
What Does On-Road Price Include?
The on-road price is the total amount you pay before driving your new car off the dealership. It includes:
- Ex-factory / invoice price: The manufacturer’s base selling price before any taxes or fees
- Sales tax (GST): Already included in the ex-factory price for locally assembled vehicles
- Federal Excise Duty (FED): Also typically included in manufacturer’s list price
- Registration fee: Paid to the Provincial Motor Registration Authority
- Token tax (first year): Annual tax, first year paid at time of registration
- Number plate charges: Standard plates issued at time of registration
- Withholding tax on vehicle purchase: Varies by filer/non-filer status
- Dealer handling/PDI charge: Pre-delivery inspection and documentation
On-Road vs Ex-Factory Price — Key Pakistani Cars 2026
| Car Model | Ex-Factory Price (Rs) | On-Road (Lahore, Rs) | Difference (Rs) |
|---|---|---|---|
| Suzuki Alto VX 660cc | 1,890,000 | 1,960,000 | 70,000 |
| Suzuki Cultus VXL | 3,299,000 | 3,415,000 | 116,000 |
| Suzuki Swift GL MT | 3,699,000 | 3,820,000 | 121,000 |
| Honda City 1.2L MT | 3,999,000 | 4,145,000 | 146,000 |
| Toyota Yaris ATIV MT | 4,299,000 | 4,475,000 | 176,000 |
| Honda Civic 1.5T | 8,699,000 | 9,055,000 | 356,000 |
| Toyota Corolla Altis 1.6 | 7,599,000 | 7,920,000 | 321,000 |
| KIA Sportage Alpha | 9,299,000 | 9,680,000 | 381,000 |
| Toyota Fortuner GR Sport | 19,499,000 | 20,280,000 | 781,000 |
Registration Fee Breakdown by Province
| Province | Engine Class | Registration Fee (Rs) | Annual Token Tax |
|---|---|---|---|
| Punjab | Up to 1,000cc | 6,500–9,000 | 1,500–3,500 |
| Punjab | 1,001–1,600cc | 9,000–14,000 | 4,000–8,000 |
| Punjab | 1,601–2,000cc | 12,000–18,000 | 8,000–15,000 |
| Punjab | 2,001cc+ | 18,000–35,000 | 18,000–45,000 |
| Sindh | All classes | Similar but 15–20% higher | Separate rate schedule |
| KPK | All classes | Lower than Punjab | Separate rate schedule |
For the most accurate token tax figures, refer to our complete token tax guide for Pakistan 2026.
Filer vs Non-Filer — Withholding Tax Difference
One of the biggest variables in Pakistan’s on-road car price is withholding tax on the purchase. Active tax filers (those appearing on FBR’s Active Taxpayer List) pay significantly lower withholding tax than non-filers. The difference on a Rs 5 million car can be Rs 200,000–400,000. Ensuring you are an active FBR filer before purchasing a car can result in substantial savings.
| Vehicle Value | Withholding Tax (Filer) | Withholding Tax (Non-Filer) |
|---|---|---|
| Up to Rs 2 million | Nil | Rs 35,000 |
| Rs 2M–Rs 4M | Rs 30,000 | Rs 100,000 |
| Rs 4M–Rs 6M | Rs 60,000 | Rs 200,000 |
| Rs 6M–Rs 10M | Rs 120,000 | Rs 400,000 |
| Above Rs 10M | Rs 250,000+ | Rs 750,000+ |
Hidden Charges to Watch For at Dealerships
Some dealerships add charges beyond the standard on-road price. Be aware of:
- Accessories package (mandatory): Dealers sometimes insist on a Rs 50,000–200,000 accessories package as a condition of purchase. This is not standard and can be negotiated.
- Premium over list price: For high-demand cars (Fortuner, Civic) dealers charge Rs 200,000–700,000 above official list price.
- Booking advance: For allocated vehicles, a non-refundable booking advance is required. Ensure all terms are in writing.
- Colour premium: Certain colours (white pearl, metallic options) attract a premium of Rs 30,000–80,000.
Motorway & Toll Costs After Purchase
Once you are on the road, factor in motorway toll rates in Pakistan for regular highway users. Monthly commuters on the M-2 (Lahore-Islamabad) spending 5 days per week can accumulate Rs 8,000–14,000 in tolls monthly. Add the current fuel price and comprehensive insurance costs for a complete picture of annual car ownership expenses.
Financing vs Cash Purchase
If taking a car loan, the bank pays the on-road price to the dealership. You will also pay bank processing fees (Rs 5,000–15,000), insurance (mandatory for financed vehicles), and stamp duty on the financing agreement. Factor these into your total cost calculation.
Key Takeaways
- On-road price = ex-factory + registration + token tax + withholding tax + dealer charges
- Difference between ex-factory and on-road ranges from Rs 70,000 (small cars) to Rs 800,000+ (large SUVs)
- Being an active FBR tax filer saves Rs 35,000–750,000 in withholding tax at purchase
- Always ask for an itemised on-road price quote from the dealer
- Beware mandatory accessories packages and colour premiums
Related Reading
- Token Tax Pakistan 2026 — All Provinces
- Car Loan Interest Rates Pakistan 2026
- Car Insurance Pakistan 2026
Frequently Asked Questions
What is included in car on-road price in Pakistan?
On-road price includes ex-factory price, registration fee, first-year token tax, number plate charges, withholding tax at purchase, and dealer handling fees. It does not include insurance (though dealers may add it).
How much is registration for a new car in Pakistan?
Registration fees in Punjab range from Rs 6,500 for sub-1,000cc vehicles to Rs 35,000 for 2,001cc+ cars. Sindh fees are 15–20% higher. KPK and Balochistan have separate rate schedules.
Does on-road price include insurance?
Generally no — insurance is a separate cost. However, some dealerships include one year of third-party insurance in their promotional packages. Comprehensive insurance must be purchased separately.
Why do non-filers pay more for cars in Pakistan?
FBR imposes higher withholding tax rates on non-filers to incentivise tax registration. For vehicles above Rs 2 million, the withholding tax for non-filers is 2–3x the amount charged to active tax filers.
Can I negotiate the on-road price with a dealer?
The core taxes and registration fees are non-negotiable government charges. However, dealer handling charges, accessories packages, and colour premiums are negotiable. In a buyer’s market (for slower-selling models), dealers may absorb some handling charges.
