Pakistan Zakat Calculator 2026: Tola Gold, 1 Lakh & Bank Deduction Guide

Pakistan ke Government of Pakistan ne 2026 ke liye Zakat Nisab Rs 503,529 set kiya hai, notified via Ministry of Poverty Alleviation and Social Safety on 16 February 2026 (Notification CE-1001(36)/NISAB/1446-47/2026-48). State Bank of Pakistan published this through BPRD Circular Letter No. 03 of 2026 a day later. Banks use this exact threshold for the compulsory 2.5 percent Zakat auto-deduction on savings and profit-and-loss sharing accounts on the first day of Ramadan-ul-Mubarak.

This guide explains exactly how Pakistan Zakat works in 2026, with verified gold and silver rates (24K gold Rs 434,500 per tola, 24K silver Rs 6,890 per tola as of 26 June 2026), worked examples for every common scenario (1 tola gold, 7.5 tola gold, 1 lakh rupees, 5 lakh, 1 crore), full coverage of bank auto-deduction (including Form CZ-50 exemption), and special sections for Pakistani expats working in Saudi Arabia, UAE, UK and US.

What is Nisab and the Zakat rate?

Nisab is the minimum threshold of wealth a Muslim must possess for one full lunar year (Hawl) before Zakat at 2.5 percent (one-fortieth, the ratio set in classical hadith) becomes obligatory. Below Nisab there is no Zakat obligation. Above Nisab, you owe 2.5 percent of your TOTAL net zakatable wealth, not just the amount above Nisab.

Nisab is defined in two equivalent ways in classical Islamic jurisprudence:

• Gold standard: 87.48 grams of pure gold (7.5 tola). This is the standard the Hanbali school (which Saudi Arabia officially follows) uses for personal Zakat.
• Silver standard: 612.36 grams of silver (52.5 tola). This is the standard the Hanafi school (which most Pakistani Muslims follow) uses.

The rationale for two standards: both gold and silver were historical monetary metals, and Prophet Muhammad (SAW) set both as Nisab levels. In ancient times the two standards were roughly equivalent in purchasing power. Today gold has appreciated significantly faster than silver, so the gold Nisab is much higher (around Rs 3.26 million in PKR, June 2026) than the silver Nisab (around Rs 361,905 calculated from today silver price, or Rs 503,529 per the Government 2026 notification).

Hanafi scholars argue the lower threshold (silver) catches more Zakat obligation, which benefits recipients and is more cautious for the giver. Unless a qualified scholar has guided you to use a different standard, the default for Pakistani Muslims should be the silver Nisab.

Pakistan Government Nisab 2026, Rs 503,529 explained

Every year before Ramadan, the Administrator General Zakat (under the Ministry of Poverty Alleviation and Social Safety) issues a notification setting the Nisab amount in Pakistani Rupees for the upcoming Hijri year. This is required under the Zakat and Ushr Ordinance 1980, which created the framework for Pakistan compulsory Zakat collection on Sahib-e-Nisab bank accounts.

The 2026 Nisab notification details:

• Amount: Rs 503,529
• Hijri Year: 1446-47 A.H.
• Notification Number: CE-1001(36)/NISAB/1446-47/2026-48
• Date of Notification: 16 February 2026
• SBP Circulation: BPRD Circular Letter No. 03 of 2026, dated 17 February 2026
• Increase from previous year: yes, driven by rising gold and silver prices through 2025

The Rs 503,529 figure is computed using the silver-based formula (612.36 grams silver multiplied by an annual-average silver price) which means even when today spot silver is lower than the notification date, the government Nisab stays fixed for the whole Zakat year. This is intentional, it gives banks and account-holders a stable, predictable threshold instead of one fluctuating daily with silver prices.

Why does the government use silver, not gold? Because Pakistan follows the Hanafi school as its dominant fiqh, and the silver standard catches more wealth into the Zakat net, fulfilling the social-welfare purpose of the Zakat and Ushr Ordinance.

Bank Zakat auto-deduction, first day of Ramadan

Under the Zakat and Ushr Ordinance 1980, all scheduled commercial banks in Pakistan are required to deduct Zakat at 2.5 percent of the eligible balance from the following account types on the FIRST DAY OF RAMADAN each year:

• Profit-and-loss sharing (PLS) savings accounts
• Term deposits
• Special savings certificates (SSCs)
• Notice deposit accounts above the Nisab threshold

Current accounts are exempt from auto-deduction (because they do not earn profit, the assumption is the account-holder will pay Zakat personally if Sahib-e-Nisab).

The deduction is computed on the morning of 1 Ramadan against the Nisab threshold of Rs 503,529. If your eligible balance on that morning is at or above this threshold, the bank automatically debits 2.5 percent. If below, no deduction.

Form CZ-50: how to opt out

If you do not want the bank to auto-deduct Zakat, you can file Form CZ-50 (Declaration of Sahib-e-Nisab) at your bank branch at least 15 days before 1 Ramadan. Two main categories file CZ-50:

1. Shia Muslims, Shia Muslims follow their own fiqh on Zakat (typically including Khums and direct giving), so the Government compulsory deduction does not apply. You declare your Shia identity and the bank does not deduct.
2. Muslims who pay Zakat personally, If you prefer to calculate your full wealth (not just bank balance) and distribute Zakat through your own channels (family, mosque, charities, Saudi ZATCA for expats), you can opt out via CZ-50. You then bear the responsibility of paying full Zakat correctly.

Note: non-Muslims are exempt from the entire framework, no CZ-50 needed.

If you have not filed Form CZ-50, the bank will deduct automatically. You can refile the form each year, or just file once and the bank typically keeps the declaration on record.

How much Zakat on 1 tola gold in Pakistan 2026?

At today verified rate of Rs 434,500 per tola for 24K gold (sourced from Sarmaaya, Hamariweb and FinHisaab on 26 June 2026):

• 1 tola gold value: Rs 434,500
• Zakat at 2.5 percent: Rs 10,862

Important caveat: you only owe Zakat on individual gold pieces if your total wealth crosses the Nisab. If you own ONLY 1 tola gold and no other assets, your total wealth is Rs 434,500 which is BELOW the Government Nisab Rs 503,529. No Zakat is due in that case.

But if you have 1 tola gold PLUS some cash, savings, or other zakatable wealth that pushes your total over Rs 503,529, then yes, the Rs 10,862 Zakat applies to the gold portion (and 2.5 percent of everything else).

Worked example: gold-only Zakat scenarios

Note: 1 tola = 11.664 grams; 7.5 tola = 87.48 grams (the exact Gold Nisab weight).

How much Zakat on 7.5 tola gold in Pakistan 2026?

7.5 tola is the EXACT gold Nisab weight (87.48 grams). At Rs 434,500 per tola today:

• 7.5 tola gold value: Rs 3,258,750
• Zakat at 2.5 percent: Rs 81,469

If you hold 7.5 tola gold and nothing else, you are exactly at the Hanbali (gold) Nisab threshold, and Zakat becomes due. However, if you are Hanafi (which most Pakistanis are), the silver Nisab applies earlier, so you would owe Zakat at a lower total wealth level than 7.5 tola gold.

How much Zakat on 1 lakh rupees in Pakistan?

Pure math:

• Rs 100,000 (1 lakh) cash
• Zakat at 2.5 percent: Rs 2,500

But practical answer: 1 lakh cash alone is FAR below the Government Nisab Rs 503,529, so NO Zakat is due. Zakat is calculated on your TOTAL zakatable wealth (cash + bank + gold + silver + investments + business + receivables, minus short-term debts), not on individual amounts.

Worked Zakat-on-cash table

If your bank account balance is between Rs 100,000 and Rs 500,000, you are likely below Nisab and the bank will not auto-deduct on 1 Ramadan. But add any gold, silver, mutual funds or NSC, and you may cross the threshold.

Zakat on investments (NSC, Behbood, Al Meezan, mutual funds, stocks)

Different rulings apply to different investment types:

National Savings Schemes (NSC, Behbood, Defence Savings, Special Savings Certificates)

These are essentially fixed deposits with the Government of Pakistan. They are FULLY zakatable at the current value (principal plus accrued profit). Banks will auto-deduct on 1 Ramadan if your NSS balance is above Nisab and you have not filed Form CZ-50.

For Pakistani Muslims who care about Riba (interest), Behbood and NSC are interest-based and considered Riba by most scholars (Permanent Council of Senior Scholars in Saudi Arabia and the Council of Islamic Ideology in Pakistan have both ruled this). Hanafi position: still zakatable on the full balance (principal plus profit), but the profit portion is considered tainted and should be given to charity, not consumed. Many Pakistani Hanafi scholars recommend liquidating NSC/Behbood and moving to halal alternatives like the Al Meezan Islamic money market fund or Government of Pakistan Ijarah Sukuk.

Mutual funds (Al Meezan, NIT, MCB Arif Habib, Atlas, UBL Funds)

The position depends on your intent:

• Trading mutual funds (short-term, in-and-out): full current market value is zakatable.
• Long-term holds (multi-year, dividend / NAV growth investor): 2.5 percent on annual profit / dividends only, not on principal. This is a more flexible Hanafi position rooted in classical jurisprudence treating long-term holdings as productive assets (similar to rental property).

For most Pakistani retail mutual fund investors, the simpler and more cautious approach is to treat the FULL current NAV as zakatable. For the Al Meezan Cash Fund specifically, use our Al Meezan profit calculator to project your year-end balance, then apply 2.5 percent.

Stocks (PSX direct holdings)

Same logic as mutual funds, with the additional Shariah filter: only stocks of Shariah-compliant companies should be held by observant Muslims. The KMI All-Share Index lists Shariah-screened Pakistani stocks. Trading stocks: full market value zakatable. Long-term dividend holdings: 2.5 percent on dividends.

Stocks via Roshan Equity Investment (overseas Pakistanis)

Roshan Digital Account holders investing in PSX through Roshan Equity Investment: same rules apply. Zakat is owed by the Muslim individual regardless of whether the account is RDA, regular, or held through a broker.

Zakat for Pakistani expats working in Saudi Arabia, UAE, UK, US

Zakat is a personal religious obligation that follows the Muslim individual, not their geographic location. A Pakistani Muslim working in Riyadh, Dubai, London, Houston, or Toronto is bound by the same Zakat obligation as a Pakistani Muslim working in Karachi.

Combining assets across countries

Pakistani expats often have wealth split across:

• Saudi/UAE/UK/US bank savings in foreign currency
• Pakistani bank balances in PKR
• Gold jewellery sent to family in Pakistan
• Investments in Pakistani mutual funds via RDA
• Real estate (note: only investment property for resale is zakatable, not the family home)

To calculate Zakat correctly, aggregate everything in ONE currency (typically the salary currency for expats, then convert to PKR for the Nisab check). For example, a Pakistani in Saudi Arabia with SAR 30,000 savings, SAR 5,000 worth of gold jewellery, and PKR 2,00,000 in a Karachi savings account would convert everything to SAR or PKR at today rate and check against the appropriate Nisab.

Saudi Arabia specific guidance

Saudi Arabia officially follows the Hanbali madhhab and uses the gold Nisab (approximately SAR 43,000 to SAR 45,000 on June 2026). The Saudi government Zakat e-service, ZAKATY by ZATCA (zatca.gov.sa), is available for Saudi-resident calculation. However, ZAKATY is a CALCULATION tool, it does not collect Zakat from individuals (Saudi ZATCA collects corporate Zakat from Saudi-owned businesses, not individual Zakat).

Pakistani Muslims in Saudi can choose:

1. Pay Zakat in Pakistan via family, Send SAR to family in Pakistan, they distribute Zakat to eligible recipients. Reach often goes further per Rupee.
2. Pay Zakat in Saudi via local mosques or recognized charities (King Abdulaziz Center, Saudi Red Crescent, local mosque collection).
3. Use Hanafi silver Nisab, Many Pakistani Hanafis abroad continue to use the silver Nisab (catches Zakat at lower wealth level) even while living in Saudi Arabia where the official madhhab is Hanbali.

This calculator supports both, switch the currency selector to SAR and the gold/silver per-gram defaults update to current Saudi market rates.

UAE, UK, US Pakistani expats

UAE has its own Zakat Fund (Zakat Authority, zakatfund.gov.ae) which accepts Zakat from residents. UK Pakistani Muslims typically distribute through Islamic Relief UK, Muslim Hands, or family in Pakistan. US Pakistani Muslims often use Zakat Foundation of America, Islamic Relief USA, or family channels.

In all cases: calculate based on YOUR madhhab (silver Hanafi recommended for Pakistanis) on your AGGREGATED global wealth, and pay where it has most impact (often Pakistan for expats from Pakistan).

Where to pay Zakat: the eight Quranic categories

The Quran (Surah At-Tawbah 9:60) specifies eight categories of eligible Zakat recipients:

1. The poor (al-fuqara), those without enough wealth for basic needs
2. The needy (al-masakin), slightly above the poor, with some means but still struggling
3. Zakat administrators (al-amilin), those employed to collect and distribute Zakat
4. Those whose hearts are to be reconciled (mu allafatu qulubuhum), new Muslims or those leaning toward Islam
5. Slaves and captives (fi al-riqab), historically for emancipation, modernly for ransom of captives
6. Debtors (al-gharimin), those overwhelmed by lawful debt
7. In the cause of Allah (fi sabilillah), historically jihad funding, modernly broader (Islamic education, dawah)
8. The wayfarer (ibn al-sabil), stranded travelers needing help to return home

In Pakistani practice, most Zakat goes to categories 1, 2, and 6 (poor relatives, needy in the village, debtors). Verified charities like Edhi Foundation, Saylani Welfare, Akhuwat, Indus Hospital, JDC Foundation, and SIUT all accept Zakat and serve these categories.

Family first: Many Pakistani scholars emphasize giving Zakat to needy relatives first (siblings, cousins, uncles/aunts, nieces/nephews, NOT parents or children who are your standard maintenance responsibility), then to broader community.

Common mistakes Pakistani Muslims make in Zakat calculation

1. Forgetting gold jewellery, Hanafi position: ALL gold jewellery is zakatable, whether worn daily or stored. Many Pakistani women under-report family gold.
2. Not adding spouse wealth, Each spouse calculates Zakat individually on their own owned wealth. Combined family wealth is not the calculation basis (unless joint accounts).
3. Deducting long-term mortgage principal, Wrong. Only deduct short-term debts (immediate bills, 1 year of mortgage installments), not the full mortgage principal.
4. Skipping NSC and Behbood, These are zakatable at full value (principal plus accrued profit).
5. Using outdated Nisab, Pakistan Nisab changes annually. 2026 figure is Rs 503,529, not last year amount.
6. Forgetting Hawl, Wealth must be at or above Nisab for one FULL lunar year. If you crossed Nisab mid-year, your Hawl starts then, not at next Ramadan.
7. Confusing gold karat, Nisab calculation uses 24K gold weight. If you own 22K or 18K jewellery, convert weight to 24K equivalent (22K = 22/24 = 91.67 percent pure, so 1 tola 22K = 0.917 tola 24K equivalent).

Frequently Asked Questions

How much to pay Zakat in 2026 in Pakistan?

Pakistan Zakat rate is fixed at 2.5 percent (one-fortieth) of your net zakatable wealth, provided your wealth has stayed at or above the Government Nisab Rs 503,529 for one full lunar year. The exact PKR amount depends on your total wealth: Rs 10,000 wealth = Rs 250 Zakat, Rs 1 lakh = Rs 2,500, Rs 10 lakh = Rs 25,000, Rs 1 crore = Rs 250,000.

What is the limit of Zakat bank in 2026?

The Pakistani bank Zakat auto-deduction threshold for 2026 is Rs 503,529 (the Government Nisab). If your eligible bank balance (savings, PLS, term deposits, NSC, Behbood) is at or above this amount on the morning of 1 Ramadan, the bank automatically deducts 2.5 percent. Current accounts are exempt. To opt out, file Form CZ-50 at your bank at least 15 days before 1 Ramadan.

How to calculate gold Zakat 2026?

Step 1: Note total gold weight you own (in tola or grams, all karats combined). Step 2: Convert to 24K equivalent if any pieces are 22K or 18K (multiply weight by purity ratio). Step 3: Multiply 24K equivalent weight by current 24K gold per-gram price (Rs 37,252 per gram or Rs 434,500 per tola as of 26 June 2026 in Pakistan). Step 4: Apply 2.5 percent. Step 5: Verify total wealth (gold + cash + silver + investments minus debts) is above Nisab; if yes, Zakat is due.

What is the Pakistan Government Zakat Nisab 2026 PDF?

The official 2026 Pakistan Zakat Nisab notification PDF is published by the State Bank of Pakistan as BPRD Circular Letter No. 03 of 2026 (dated 17 February 2026). It references the underlying Ministry of Poverty Alleviation and Social Safety notification CE-1001(36)/NISAB/1446-47/2026-48 dated 16 February 2026. Both documents are available on the SBP website (sbp.org.pk) and confirm the Nisab amount of Rs 503,529 for Hijri year 1446-47.

What is the bank Zakat deduction date 2026?

Bank Zakat is auto-deducted on the FIRST DAY OF RAMADAN-UL-MUBARAK each year, per the Zakat and Ushr Ordinance 1980. The exact Gregorian date depends on moon sighting (typically mid-February to mid-March in 2026-2027 cycle). To file Form CZ-50 exemption, submit at your bank branch at least 15 days before the expected start of Ramadan.

What is the nisab for silver in 2026 Pakistan?

The classical silver Nisab is 612.36 grams of silver (52.5 tola). At today silver price of Rs 591 per gram (26 June 2026), the calculated silver Nisab in PKR is Rs 361,905. However, the Government of Pakistan Notified Nisab for 2026 is Rs 503,529 (higher because it uses an annual-average silver price rather than today spot). For bank auto-deduction purposes, Rs 503,529 is the authoritative figure. For personal Zakat calculation, you can use either: Rs 503,529 (most Pakistani Muslims trust this government figure) or today calculated value (Rs 361,905, which catches Zakat at lower wealth and is the stricter position).

What is the nisab for Zakat 2026 on gold?

The gold Nisab is 87.48 grams of pure 24K gold (7.5 tola). At today rate of Rs 434,500 per tola (Pakistan, 26 June 2026), the gold Nisab in PKR equals Rs 3,258,750. The Hanbali school (Saudi default) uses this gold Nisab. In Saudi Riyals, the gold Nisab is approximately SAR 43,000 to SAR 45,000 depending on daily rate.

How much Zakat on 1 tola gold in Pakistan?

At verified rate of Rs 434,500 per tola for 24K gold today, Zakat on 1 tola = Rs 434,500 × 2.5 percent = Rs 10,862. But this Zakat is only owed if your total wealth (including everything else you own) crosses the Nisab threshold of Rs 503,529. If you own only 1 tola gold and no other assets, your total wealth is below Nisab and no Zakat is due.

How much Zakat on 1 lakh rupees in Pakistan?

Zakat on Rs 100,000 (1 lakh) = Rs 2,500 (2.5 percent). However, 1 lakh alone is far below the Pakistan Government Nisab of Rs 503,529, so NO Zakat is due on Rs 1 lakh alone. Zakat is calculated on TOTAL zakatable wealth, not individual amounts. If your combined cash + bank + gold + silver + investments cross Rs 503,529 and have stayed above for one lunar year, then yes, you owe 2.5 percent of the total.

Can Pakistani Hanafi expats in Saudi Arabia use the gold Nisab instead of silver?

Yes, this is a personal choice between madhhabs. However, the standard Hanafi position (which most Pakistanis follow) uses the silver Nisab, which catches Zakat at a much lower wealth level. Switching to gold Nisab in Saudi Arabia (because it is the Saudi default) means you would owe Zakat only when wealth crosses approximately SAR 45,000 (Rs 3.3 million) instead of around SAR 6,743 (Rs 503,529) under silver. The gold Nisab effectively exempts more wealth from Zakat. Most Pakistani Hanafi scholars recommend continuing with silver Nisab even when living abroad, on the principle that the lower threshold is more cautious and more beneficial to the poor.

1 tola Zakat price in Pakistan 2026, what does that mean?

The query "1 tola Zakat price" is shorthand for "how much Zakat is owed on 1 tola of gold in Pakistan in 2026". Answer: at today gold rate of Rs 434,500 per tola, Zakat at 2.5 percent equals Rs 10,862 per tola. This figure changes daily as gold prices move. Use the calculator above and update the gold per-gram price field with your local sarafa bazaar rate on the day you pay Zakat for the most accurate figure.