Zakat on gold in Pakistan is 2.5% of its value on your zakat date, which is the same as giving 0.025 tola for every tola you own. At a 24k rate of Rs 4,00,000 per tola, zakat on 1 tola of 24k gold is Rs 10,000, on 22k about Rs 9,167 and on 21k Rs 8,750, provided your total wealth is above the nisab.
Last updated: 2 November 2026 by Ahmed.
Gold prices change every day, so plug your own weight and karat into our Zakat Calculator Pakistan. It uses today’s rate per tola and works out the pure gold for you.
Zakat on Gold per Tola (Quick Table)
The table uses a round example rate of Rs 4,00,000 per tola for 24k. Replace it with today’s sarafa rate.
| Karat | Pure gold | Value of 1 tola | Zakat on 1 tola | Zakat on 10 tola |
|---|---|---|---|---|
| 24k | 99.9% | Rs 4,00,000 | Rs 10,000 | Rs 1,00,000 |
| 22k | 91.7% | Rs 3,66,667 | Rs 9,167 | Rs 91,667 |
| 21k | 87.5% | Rs 3,50,000 | Rs 8,750 | Rs 87,500 |
| 18k | 75% | Rs 3,00,000 | Rs 7,500 | Rs 75,000 |
Most jewellery sold in Pakistan is 22k or 21k. Zakat is only on the pure gold, so a 22k piece counts at 22/24 of its weight.
When Is Zakat on Gold Due?
Two conditions must both be met:
- Nisab: your zakatable wealth is at least the nisab. Gold on its own needs 7.5 tola (87.48 g). If you also have cash, savings or silver, add them all up and compare the total with the much lower silver nisab of 52.5 tola. See our zakat nisab guide for today’s figures.
- One lunar year: your wealth has stayed above the nisab for a full Islamic year (hawl).
This second point catches many families. Five tola of jewellery alone is below the gold nisab, but five tola plus Rs 1 lakh in the bank is well above the silver nisab, so zakat is due on all of it.
Is Zakat on Gold Jewellery You Wear Due?
This is a well-known difference of opinion:
- Hanafi view (most Pakistanis): zakat is due on all gold and silver, including jewellery a woman wears every day.
- Maliki, Shafi’i and Hanbali view: jewellery worn for personal use, in normal local amounts, is exempt. Jewellery kept as savings or in large amounts is zakatable.
Most scholars in Pakistan follow the Hanafi view, and many others call it the cautious choice. Our calculator counts worn jewellery by default, with a switch to leave it out if you follow the other view.
Who Pays Zakat on Gold: Wife or Husband?
Zakat on gold is due from its owner. Jewellery given to a bride as her property (from her parents or as part of haq mehr) belongs to her, so the zakat is hers. A husband may pay it for her with her permission. If the family has no cash, she can pay by selling a small part of the gold, but there is no need to sell it: paying its value in money is enough.
Which Price to Use for Zakat on Gold: Buying or Selling?
Use the market value on your zakat date, never the price you paid. Jewellers in Pakistan quote a selling rate and a lower buying (khareed) rate. Many scholars say the buying rate is fair, because that is what the gold is actually worth to you if you sell it. Making charges (bannai) are not counted.
Zakat on Gold Stones, Platinum and Silver
- Stones, pearls and diamonds set in jewellery are not zakatable unless you hold them to trade. Weigh only the gold.
- Platinum and artificial jewellery are not zakatable for personal use.
- Silver follows the same rule as gold: 2.5% of its value. At about Rs 5,100 per tola, zakat on 100 tola of silver is about Rs 12,750.
Zakat on Gold: Worked Examples
Example 1: jewellery only. Sana owns 5 tola of 22k jewellery and nothing else zakatable. 5 tola of 22k holds about 4.58 tola of pure gold, below the 7.5 tola gold nisab. No zakat is due.
Example 2: jewellery plus savings. Same 5 tola, plus Rs 1,50,000 in a savings account. At Rs 4,00,000 per tola, the gold is worth about Rs 18,33,000. Total wealth: about Rs 19,83,000, far above the silver nisab. Zakat: about Rs 49,600.
Example 3: 10 tola of 22k. Pure gold is about 9.17 tola, worth about Rs 36,67,000 at the example rate. Zakat: about Rs 91,700.
Common Mistakes
- Paying on the purchase price instead of today’s value.
- Weighing stones and lacquer with the gold.
- Comparing gold alone with the gold nisab when you also have cash or savings.
- Forgetting gold kept in a bank locker; it is still yours and zakatable.
Related guides: Read our guides on gold investing in Pakistan, Pakistan Mercantile Exchange (PMEX) and PMEX trading instruments.
FAQ
How much zakat is due on 1 tola of gold in Pakistan?
2.5% of its value. At Rs 4,00,000 per tola for 24k that is Rs 10,000; for 22k about Rs 9,167. Check today’s rate in the calculator, because prices change daily.
How many tola of gold makes zakat compulsory?
7.5 tola if gold is your only zakatable wealth. If you also have cash, savings or silver, add everything and compare with the value of 52.5 tola of silver.
Is zakat due on gold received in dowry?
Yes, if it belongs to the bride and her total wealth is above the nisab for a lunar year. The Hanafi view counts worn jewellery too.
Can I pay zakat on gold in cash?
Yes. You can give the value in money, which is what most people do, or give part of the gold itself.
Is there zakat on gold bought as an investment?
Yes. Gold bars, coins and jewellery bought to hold or sell are zakatable under every school.
Related Guides
- Zakat Calculator Pakistan 2026
- Zakat nisab 2026 in Pakistan
- Gold investing and trading in Pakistan
- Pakistan Mercantile Exchange (PMEX)