The zakat nisab 2026 in Pakistan for automatic bank deduction is Rs 503,529, the value of 52.5 tola of silver, fixed by the government before Ramadan 1447. For your own zakat, scholars say to use the nisab on your zakat date: in early November 2026 the silver nisab is roughly Rs 2.7 lakh and the gold nisab roughly Rs 30 lakh, based on international metal prices.
Last updated: 2 November 2026 by Ahmed.
If your total zakatable wealth stays above the nisab for one lunar year, you pay 2.5% of it. Our free Zakat Calculator Pakistan pulls today’s gold and silver rate per tola and checks your wealth against the zakat nisab for you.
Zakat Nisab in Pakistan at a Glance
| Silver nisab | Gold nisab | |
|---|---|---|
| Weight | 52.5 tola (612.36 g) | 7.5 tola (87.48 g) |
| Original measure | 200 dirhams | 20 mithqal |
| Value, early Nov 2026 (approx.) | Rs 268,000 | Rs 30,17,000 |
| Used for bank deduction? | Yes (Rs 503,529 for 2026) | No |
The November values use international prices on 2 November 2026 (24k gold about Rs 4,02,300 per tola, silver about Rs 5,110 per tola). Sarafa rates in Karachi, Lahore or Rawalpindi are often a little higher, so check the live figure in the calculator before you pay.
Why Is the Bank Zakat Nisab Rs 503,529?
Under the Zakat and Ushr Ordinance 1980, banks deduct 2.5% zakat on the first day of Ramadan from savings and profit-and-loss sharing accounts whose balance is at or above the nisab. Each year the Ministry of Poverty Alleviation and Social Safety works out that nisab from the price of 52.5 tola of silver, and the State Bank sends it to banks.
For Ramadan 2026 the notification fixed it at Rs 503,529, which works out to about Rs 9,591 per tola of silver. That was a big jump from Rs 179,689 in 2025, because silver prices rose sharply over the year.
Three things to remember about the bank figure:
- It is only a cut-off for deduction. If your savings account is below it on 1 Ramadan, nothing is deducted.
- If you are above it, the bank takes 2.5% of the whole balance, not just the part above the nisab.
- It does not cover your gold, cash at home, current account, business stock or investments. You still calculate those yourself.
Silver or Gold: Which Zakat Nisab Should You Use?
This is the question most people ask, and the answer depends on what you own.
- You own only gold (no cash, savings, silver or trade goods): compare your gold with the gold nisab of 7.5 tola.
- You own a mix (some gold plus cash, savings, silver or business stock): add everything together and compare the total with the silver nisab. This is the view of most Hanafi scholars, which most Pakistanis follow, and it is also what the government uses.
- You own cash, savings or trade goods only: most scholars in Pakistan advise the lower silver nisab, because it means more help reaches the poor.
Because 52.5 tola of silver is worth far less than 7.5 tola of gold, the choice matters. A family with Rs 5 lakh in savings and no gold pays zakat under the silver nisab but would not under the gold nisab.
Worked Example
Ayesha has Rs 3,50,000 in a savings account, Rs 50,000 cash at home and 2 tola of 22k gold. She owes nothing that is due now.
- Gold: 2 tola × 22/24 pure ≈ 1.83 tola of pure gold. At about Rs 4,00,000 per tola, that is roughly Rs 7,33,000.
- Total: Rs 3,50,000 + Rs 50,000 + Rs 7,33,000 = Rs 11,33,000.
- Because she owns a mix, she compares it with the silver nisab (about Rs 2.7 lakh). She is above it.
- Zakat: 2.5% × Rs 11,33,000 = about Rs 28,300.
If her bank already deducted zakat from the savings account on 1 Ramadan, she can subtract that amount from what she owes.
How Is the Zakat Nisab Worked Out?
The Prophet ﷺ set the nisab as 20 mithqal of gold and 200 dirhams of silver. Using a mithqal of 4.374 g and a dirham of 3.0618 g gives 87.48 g of gold and 612.36 g of silver. One tola is 11.664 g, so that is 7.5 tola and 52.5 tola. Some organisations round to 85 g and 595 g; the difference is small.
Common Mistakes
- Using last Ramadan’s bank zakat nisab for your own zakat. The Rs 503,529 was set in February. Silver prices move, so check the value on your own zakat date.
- Comparing gold alone with the gold nisab when you also have savings. If you have cash or savings too, add them up and use the silver nisab.
- Forgetting the lunar year (hawl). Zakat is due once your wealth has stayed above the nisab for a full Islamic year, which is about 11 days shorter than the calendar year.
- Ignoring bank-deducted zakat. Count it as paid, so you do not pay twice.
FAQ
What is the zakat nisab in Pakistan for 2026?
For bank deduction on 1 Ramadan 1447 (February 2026), the government fixed it at Rs 503,529, the value of 52.5 tola of silver. For your personal zakat, use the silver or gold value on your own zakat date.
What is the silver nisab in tola?
52.5 tola, which is 612.36 grams. The gold nisab is 7.5 tola, or 87.48 grams.
When will the zakat nisab for Ramadan 2027 be announced?
The government usually notifies the new nisab a few days before Ramadan. Ramadan 1448 is expected to start around early February 2027, depending on moon sighting.
Is zakat due if I am just above the zakat nisab?
Yes, if your wealth has stayed above the nisab for a full lunar year. You then pay 2.5% of your total zakatable wealth, not only the amount above the nisab.
Can I use the gold nisab to avoid paying zakat?
Only if gold is the only zakatable wealth you own. If you also have cash, savings or other assets, most scholars in Pakistan say to use the silver nisab.
Zakat ka nisab 2026 mein kitna hai?
Rs 503,529 bank ki zakat kati ke liye (52.5 tola chandi ki qeemat), jo Ramadan 1447 se pehle tay hua. November 2026 ke shuru mein chandi ka nisab taqreeban Rs 2.7 lakh aur sone ka taqreeban Rs 30 lakh tha.
Kitne tola sone par zakat farz hoti hai?
7.5 tola (87.48 gram) sone par, agar aap ke paas sirf sona ho. Sone ke saath cash ya savings bhi ho to sab jama kar ke chandi ke nisab (52.5 tola) se milayein.
Bank zakat kab aur kitni kaat-ta hai?
2.5% zakat 1 Ramadan ko katti hai, agar savings account mein Rs 503,529 ya us se zyada ho. Yeh poore balance par katti hai, sirf nisab se upar wale hisse par nahi.
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