General Physician Salary in Karachi, Pakistan (2026)
- Average: PKR 121,000 per month (PKR 1,452,000 per year).
- Range: PKR 79,000 to PKR 194,000 per month.
- Take-home at the average: about PKR 118,190 per month after FY 2026-27 income tax.
- Versus other cities: ranks #1 of 12 cities, 42% above the cross-city average.
- Versus other jobs in Karachi: #4 of 52 professions tracked.
Karachi's job market for General Physician roles has its own pay dynamics, shaped by local demand, cost of living, and industry concentration. On average, a General Physician in Karachi takes home roughly PKR 121,000 monthly.
Demand for General Physician talent in Karachi remains strong, with employers actively competing for experienced candidates.
Among the 12 cities we track for this role, Karachi currently pays the highest average for General Physician, sitting about 42% above the cross-city average of PKR 85,250.
Salaried hospital positions tend to sit within this range, while physicians running a private practice or clinic may earn substantially more depending on patient volume.
Karachi is Pakistan's largest city and primary commercial hub, which generally means higher salary offers but also a higher cost of living than most other cities.
General Physician Salary by Experience Level in Karachi
Pay for this role typically grows in stages as you gain experience. Here is roughly how General Physician salaries in Karachi break down by career stage. The senior band tops out at about 2.5 times the bottom of the entry-level band, which shows how much career progression can be worth in this field.
| Experience Level | Typical Monthly Salary | Approx. Yearly |
|---|---|---|
| Entry-Level (0–2 years) | PKR 79,000 – PKR 91,000 | PKR 948,000 – PKR 1,092,000 |
| Mid-Level (3–6 years) | PKR 91,000 – PKR 145,000 | PKR 1,092,000 – PKR 1,740,000 |
| Senior-Level (7+ years) | PKR 145,000 – PKR 194,000 | PKR 1,740,000 – PKR 2,328,000 |
Take-Home Pay for a General Physician in Karachi (FY 2026-27 Tax)
Gross salary is not what lands in your bank account. Salaried individuals pay progressive income tax, which is withheld by the employer every month. Under the slabs that took effect on 1 July 2026, annual income up to Rs 600,000 (Rs 50,000 a month) is tax-free, and rates then rise in eight steps from 1% to 35%. At the Karachi average of PKR 121,000, an estimated PKR 2,810 a month goes to income tax, which is an effective rate of 2.3%.
| Level | Gross / month | Income tax / month | Take-home / month | Effective rate |
|---|---|---|---|---|
| Entry-level (typical) | PKR 85,000 | PKR 350 | PKR 84,650 | 0.4% |
| Mid-level (typical) | PKR 118,000 | PKR 2,480 | PKR 115,520 | 2.1% |
| Senior-level (typical) | PKR 169,500 | PKR 8,145 | PKR 161,355 | 4.8% |
| City average | PKR 121,000 | PKR 2,810 | PKR 118,190 | 2.3% |
These figures cover federal income tax only. Your payslip may also show provident fund, EOBI, insurance or loan deductions. Use the calculator below to test your own number, or open the full salary tax calculator for slab details and examples.
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About the General Physician Role
What does a General Physician do?
A general physician diagnoses and treats common illnesses, manages chronic conditions such as diabetes and hypertension, refers patients to specialists and provides preventive care. Practice settings include government hospitals, private hospitals, clinics, corporate health programmes and own practice. Long hours and on-call duty are typical in the early years.
What drives General Physician pay?
Specialist qualifications are the largest salary driver, followed by private practice reputation, hospital type and city. Government posts offer stable pay and pension, while private hospitals and own clinics can earn more but with variable income.
The Karachi Job Market for General Physician Roles
Karachi is Pakistan's largest city and its commercial and financial centre. The State Bank of Pakistan, the Pakistan Stock Exchange, most major banks' head offices and two busy seaports sit here, so jobs in finance, trade, shipping, logistics, FMCG, telecom and pharma are concentrated in the city. Industrial zones such as SITE, Korangi and Port Qasim employ large numbers of engineers, technicians and factory staff, while Clifton, Shahrah-e-Faisal and DHA host corporate offices and a growing technology and startup scene. Salaries for qualified professionals are often among the highest in the country, but rent, transport and daily costs are also high, and long commutes can eat into take-home pay. Employers value experience at multinationals and large local conglomerates, and moving between them is the quickest way to raise pay.
See the full salary guide for Karachi for every profession we track in the city.
What Affects General Physician Salary in Karachi?
Pay for General Physician professionals depends heavily on whether you're in a public-sector hospital, a private hospital chain, or running independent practice, along with your specialization and years of clinical experience.
Healthcare Careers: What Employers Pay For
Healthcare is a high-demand field because of Pakistan's population size and the shortage of trained nurses, technicians and specialists. Career stability is excellent, and overseas opportunities in Gulf countries, the UK and elsewhere shape local retention and pay.
What employers pay for
Registration with the relevant council (PMDC, Pakistan Nursing Council, Pharmacy Council), postgraduate qualifications and specialty skills drive pay. Hospitals pay more for experience in ICU, emergency, surgical and diagnostic roles. Private teaching hospitals and corporate health groups generally pay above small clinics, while government posts offer scale pay, allowances and pension.
How to negotiate
Clarify shift patterns, on-call duties, overtime or night allowances and whether training and exam fees are supported. Ask about indemnity cover, career pathways and rotation opportunities. Specialist certificates and licences give leverage, and overseas offers provide a useful benchmark for your market value.
Where growth comes from
Pursue postgraduate training (FCPS, MCPS, MRCP, MPH or nursing specialisations), build experience in a high-demand unit and keep licences current. Leadership paths include department head, matron, medical superintendent or hospital administrator, and some professionals open their own clinics or labs.
How to Increase Your Salary as a General Physician in Karachi
For General Physician professionals in Karachi, pursuing further specialization, board certification, or a fellowship abroad tends to open the door to significantly higher-paying positions over time.
None of this is set in stone. Use it as a benchmark going into an interview or a raise conversation, then plug your own number into the calculator below to see what actually lands in your account each month.
General Physician Salary: Karachi vs Other Pakistani Cities
Location changes pay noticeably. Across the 12 cities we track, the average General Physician salary runs from PKR 64,000 to PKR 121,000 per month. Karachi is highlighted below. Higher pay in larger cities is partly offset by higher rent and transport costs, so compare take-home pay against your living costs rather than the headline number.
| City | Average / month | Compared with Karachi |
|---|---|---|
| Karachi | PKR 121,000 | This page |
| Islamabad | PKR 119,000 | -2% |
| Lahore | PKR 110,000 | -9% |
| Rawalpindi | PKR 99,000 | -18% |
| Sialkot | PKR 79,000 | -35% |
| Gujranwala | PKR 77,000 | -36% |
| Faisalabad | PKR 75,000 | -38% |
| Hyderabad | PKR 73,000 | -40% |
| Peshawar | PKR 72,000 | -40% |
| Multan | PKR 68,000 | -44% |
| Quetta | PKR 66,000 | -45% |
| Sargodha | PKR 64,000 | -47% |
How General Physician Pay Compares With Other Healthcare Roles in Karachi
In Karachi, General Physician ranks #4 out of 52 professions in our data. Here is how it sits against related roles in the same field, which is useful if you are considering a move within healthcare.
| Role | Average / month | Difference from General Physician |
|---|---|---|
| Dentist | PKR 110,000 | -9% |
| Pharmacist | PKR 72,000 | -40% |
| Staff Nurse | PKR 50,000 | -59% |
| Lab Technician | PKR 44,000 | -64% |
Frequently Asked Questions
What is the average General Physician salary in Karachi?
The average General Physician salary in Karachi is around PKR 121,000 per month, based on current market observation. Actual pay depends on experience, employer, and negotiation.
What is the salary range for a General Physician in Karachi?
General Physician salaries in Karachi generally range from PKR 79,000 to PKR 194,000 per month, depending on experience level, company size, and specific skill set.
What is the entry-level General Physician salary in Karachi?
Entry-level General Physician professionals in Karachi typically start around PKR 79,000 to PKR 91,000 per month, rising as they gain experience and take on more responsibility.
Is Karachi a good city for General Physician jobs?
Yes — Karachi currently shows strong hiring demand for General Physician roles, meaning openings tend to be more frequent and experienced candidates often have good negotiating leverage.
How does General Physician salary in Karachi compare to other cities in Pakistan?
Among the 12 cities tracked here, Karachi ranks #1 for General Physician pay, running roughly 42% above the cross-city average of PKR 85,250 per month.
What is the take-home salary of a General Physician in Karachi?
At the average of PKR 121,000 per month, the estimated federal income tax under the FY 2026-27 slabs is about PKR 2,810 a month, leaving roughly PKR 118,190 in take-home pay, an effective tax rate of 2.3%. Provident fund, EOBI and other deductions are not included.
What is the senior General Physician salary in Karachi?
Senior General Physician professionals in Karachi (typically 7+ years) are generally in the PKR 145,000 to PKR 194,000 per month band, about 2.5 times the bottom of the entry-level range, with the highest pay going to people who combine technical depth with leadership or specialist skills.
Which city pays the most for General Physician in Pakistan?
In our data, Karachi pays the most for General Physician at about PKR 121,000 per month on average, while Karachi is at PKR 121,000. City pay differs mainly because of employer concentration, cost of living and the share of export-oriented or multinational firms.
Is the General Physician salary in Karachi above the minimum wage?
Yes. The average of PKR 121,000 is above the FY 2026-27 minimum wage announced for Sindh (PKR 43,000). The legal minimum is a floor for unskilled work, not a market rate for skilled roles.
How can I increase my General Physician salary in Karachi?
The most reliable levers are specialised skills that employers struggle to find, recognised certifications, a documented record of results, and moving to employers that pay above the local average. Compare at least two offers before negotiating, and negotiate on total compensation including benefits, not only base pay.
General Physician Salary in Other Cities
Compare how this role pays across the cities we track.
Other Jobs in Karachi
Browse salaries for other professions in the same city.