Cars: Finance, Tax & Transfer
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Cars: Finance, Tax & Transfer · Money
Vehicle transfer in Punjab: apply on ePay, give biometric on Pak ID, pay Rs 910 (bike) to Rs 18,150 (car above 1800cc). Documents, FBR tax and late fines.
AI Summary
A vehicle transfer in Punjab is applied for and paid on ePay Punjab, then the seller and buyer give biometric, now possible in NADRA's Pak ID app. Punjab Excise lists transfer fees of Rs 910 for a motorcycle, Rs 4,540 for a car up to 1000cc, Rs 9,075 up to 1800cc and Rs 18,150 above. FBR advance tax applies to cars above 850cc for five years from first registration. Reporting late adds Rs 10,000 to Rs 30,000 for a car from day 31.
A vehicle transfer in Punjab takes two things: an application and payment on ePay Punjab, then biometric verification of the seller and buyer, which you can now give in NADRA’s Pak ID app. Punjab Excise lists the transfer fee, as of October 2026, at Rs 910 for a motorcycle and Rs 4,540 for a car up to 1000cc, rising to Rs 18,150 above 1800cc. Late reporting is fined: from day 31 a car buyer pays an extra Rs 10,000.
The rules come from the Excise, Taxation & Narcotics Control Department (here “Excise”), which registers vehicles in Punjab. FBR’s advance tax on transfers comes from the Income Tax Ordinance.
These are the transfer fees on Excise’s rate page, checked on 13 October 2026:
| Vehicle | Transfer fee |
|---|---|
| Motorcycle or scooter | Rs 910 |
| Car up to 1000cc | Rs 4,540 |
| Car 1001cc to 1800cc | Rs 9,075 |
| Car above 1800cc | Rs 18,150 |
| Heavy transport vehicle | Rs 9,075 |
The challan can include more than the transfer fee:
FBR’s rates as updated to 30 June 2026, before the 10% yearly reduction:
| Engine | On the ATL | Not on the ATL |
|---|---|---|
| Up to 850cc | Nil | Nil |
| 851cc to 1000cc | Rs 5,000 | Rs 15,000 |
| 1001cc to 1300cc | Rs 7,500 | Rs 22,500 |
| 1301cc to 1600cc | Rs 12,500 | Rs 37,500 |
| 1601cc to 1800cc | Rs 18,750 | Rs 56,250 |
| 1801cc to 2000cc | Rs 25,000 | Rs 75,000 |
| 2001cc to 2500cc | Rs 37,500 | Rs 112,500 |
| 2501cc to 3000cc | Rs 50,000 | Rs 150,000 |
| Above 3000cc | Rs 62,500 | Rs 187,500 |
The ATL is FBR’s Active Taxpayer List, which decides whether you count as a filer. Someone not on it pays three times as much. You can check your filer status before you buy, and the tax is adjustable against your income tax. See filer vs non-filer for what else changes.
Excise lists these for a transfer of ownership:
If the registration certificate is lost or stolen, you first need a duplicate. Excise asks for a police report, a CNIC copy and an up-to-date token tax certificate.
Excise’s ePay guide sets out these steps:
At the February 2026 launch of the Pak ID service, Excise’s director general said a transfer is finalised within 48 hours of verification and payment, as reported by The News.
Biometric verification has been required for registration and ownership transfer in Punjab since 11 January 2022. Both the buyer’s and the seller’s identities are checked against NADRA’s records after the challan is paid.
Since February 2026 it can be done in NADRA’s Pak ID app, with fingerprint or Face ID. According to ARY News (27 July 2026), the process works like this:
Excise’s 2022 guidance also allowed biometric at a motor registration office in any Punjab district or a NADRA e-Sahulat centre, for Rs 120. PakWheels reported that e-Sahulat agents charged Rs 150 to Rs 250 before Pak ID. At the Pak ID launch, Excise’s director general said manual and embassy-based alternatives had been abolished, so ask your registration office before going in person.
Biometric deadline
30 days after paying the challan
In 2024 Excise warned that applications without biometric from both sides within 30 days are cancelled, and all taxes and fees must be paid again.
A notification dated 2 October 2025 amended rule 47(3) of the Punjab Motor Vehicles Rules 1969. If the buyer doesn’t report the change of ownership in time, the buyer pays this on top of the normal fee:
| Day | Motorcycle or scooter | All other vehicles |
|---|---|---|
| Day 31 to 60 | Rs 1,000 | Rs 10,000 |
| Day 61 to 90 | Rs 2,000 | Rs 20,000 |
| Day 91 to 120 | Rs 4,000 | Rs 30,000 |
We read the notification from a copy published by PakWheels; we couldn’t find it on the Excise website. It doesn’t say what applies after day 120.
Excise also warns that driving on an open transfer letter (a signed transfer form never submitted) is an offence. It lists challans, cancelled registration, trouble clearing e-challans and police action as the results.
Car on finance (hire purchase). The bank’s or leasing company’s interest is recorded on the registration. To end it, Excise needs the borrower’s application, an NOC from the bank, a CNIC copy and the original registration certificate. If a financed car is transferred, the bank’s representative also gives biometric. See car financing in Pakistan for how these loans work.
Imported car. Under a policy reported by ARY News on 30 September 2026, an imported vehicle must stay in the importer’s name for one year from registration. This covers personal, gift and residence schemes, and Excise’s system blocks earlier transfers.
On ePay the application moves through biometric and two Excise approvals before it shows Delivered. To look up a registered vehicle, before you buy or after the transfer, use Excise’s Online Verification of Registered Vehicles service at mtmis.excise.punjab.gov.pk.
Before buying, also check the token tax position on ePay, so the arrears aren’t added to your challan. Then arrange car insurance in your own name.
More guides: token tax in Punjab, car financing in Pakistan, property transfer in Punjab, income tax slabs 2026-27, Money.
As listed by Punjab Excise in October 2026: Rs 910 for a motorcycle, Rs 4,540 for a car up to 1000cc, Rs 9,075 for 1001cc to 1800cc and Rs 18,150 above 1800cc. FBR advance tax, lifetime token tax or capital value tax may be added.
Yes. You apply and pay through ePay Punjab, then the seller and the buyer give biometric in NADRA's Pak ID app. Excise's 2022 guidance also allowed a motor registration office or NADRA e-Sahulat centre, but in 2026 its director general said manual alternatives were abolished, so check first.
Excise's fee table has no separate non-filer rate. The FBR advance tax is three times higher if the buyer is not on the Active Taxpayer List: for a 1001cc to 1300cc car, Rs 22,500 instead of Rs 7,500, before the 10% yearly reduction.
Yes. Since 2 October 2025, a buyer who reports the change of ownership late pays an extra Rs 10,000 to Rs 30,000 for a car, or Rs 1,000 to Rs 4,000 for a motorcycle, between day 31 and day 120.
The excise department says a transfer is finalised within 48 hours once biometric verification and fee payment are complete.
Photo: Dr Shaggy from Pakistan / CC BY 2.0