House Rent Allowance (HRA) 45% vs 30% in Pakistan: Specified Big Cities List & Hiring Rules for BPS 1-22
Published on Asli Pakistan (aslipakistan.com) • 6 November 2026
Overview & Regulatory Framework
The House Rent Allowance (HRA) is a crucial component of the monthly salary package for government employees in Pakistan. Governed by the Finance Division, the rates are bifurcated based on the employee's posting location. The government distinguishes between 'specified' big cities—where living costs are significantly higher—and other stations. The primary policy is derived from the Basic Pay Scales (BPS) 2022 notification, which outlines that employees posted in specified major cities are entitled to 45% of the minimum of the revised pay scale, while those in other areas receive 30%.
Official Rate Slabs / Schedule (MANDATORY HTML TABLE)
| Location Category | Entitlement Rate (of Minimum Basic Pay) |
|---|---|
| Specified Big Cities | 45% |
| Other Stations | 30% |
Note: The 'Specified Cities' list generally includes Karachi, Lahore, Islamabad, Rawalpindi, Peshawar, Quetta, Faisalabad, Multan, Hyderabad, and Gujranwala.
Eligibility Criteria & Qualifying Conditions
- All regular government employees in BPS 1-22 are eligible for HRA.
- Employees provided with government accommodation (Official Residence) are not entitled to claim HRA.
- Employees opting for 'hiring' of private houses against government authorization follow a separate ceiling rule under the Accommodation Allocation Rules.
- The allowance is calculated based on the minimum of the Basic Pay Scale of the employee, not the current personal basic pay in some specific departmental structures.
Step-by-Step Claim or Application Process
- Initial Appointment: Submit an affidavit declaring whether you are occupying government accommodation or opting for HRA.
- Posting Order: The drawing and disbursing officer (DDO) verifies the station of duty.
- Salary Fixation: The office applies the 45% or 30% factor based on the station code in the payroll system.
- Verification: Periodically, the department issues a certificate requiring employees to confirm they are not residing in state-provided housing.
Required Documents & Attestation Checklist
- Non-Occupancy Certificate (for government housing).
- Posting/Transfer Order confirming the station.
- Latest Pay Slip/Salary Statement.
- Affidavit verified by a Magistrate or Authorized Officer.
Frequently Asked Questions (FAQ)
What happens if I am transferred from a specified city to a smaller town?
Your HRA will automatically be adjusted from 45% to 30% effective from the date of your transfer as per official records.
Can I claim HRA if I live in my own house?
Yes, government employees are entitled to HRA regardless of home ownership, provided they are not living in official government accommodation.
Where can I calculate my entitlement?
You can use our Salary Calculator to determine your exact monthly HRA entitlement based on your BPS.
Calculate Your Take-Home Salary & Allowances
See your revised salary breakdown with House Rent (HRA 45%/30%), Medical, and Conveyance allowances for BPS grades 1 to 22.