Zakat Nisab 2026 in Pakistan
Nisab is the minimum wealth threshold that makes zakat obligatory: 87.48g of gold or 612.36g of silver. What that means in rupees, which threshold to use, and how to check yourself.
What is nisab?
Nisab is the minimum amount of wealth a Muslim must own before zakat becomes obligatory. If your net zakatable assets (cash, bank balances, gold, silver, trade inventory, investments — minus debts and immediate liabilities) reach the nisab and you have held them for one lunar (hijri) year, you owe 2.5% of the total as zakat.
The nisab itself is fixed in weight, not rupees — so its PKR value moves every day with bullion prices:
| Nisab type | Weight | Approx. PKR value (2026) |
|---|---|---|
| Gold nisab | 87.48 grams (7.5 tola) | ≈ Rs 3.27 million |
| Silver nisab | 612.36 grams (52.5 tola) | Far lower — check daily rate* |
*Silver trades far cheaper than gold, so the silver nisab in rupees is a small fraction of the gold figure. Multiply 612.36 by today's per-gram silver price for the exact number.
How to calculate the nisab in PKR yourself
- Find today's 24K gold rate per gram (divide the per-tola rate by 11.664).
- Multiply by 87.48 → that is the gold nisab in rupees today.
- For silver: find the per-gram silver rate and multiply by 612.36.
Example: if 24K gold is Rs 37,400 per gram, the gold nisab is 87.48 × 37,400 ≈ Rs 3.27 million. Do the same arithmetic on your own zakat date — never rely on a months-old figure.
Gold or silver nisab — which one should you use?
This is the most-asked nisab question, and scholars give two main answers:
- Silver nisab (the cautious view): because silver is much cheaper, its nisab is far lower — meaning more people qualify to pay. Many scholars recommend this as it directs more zakat to the poor, and it protects you from wrongly assuming you owe nothing.
- Gold nisab: other scholars hold that either threshold is valid and commonly apply the gold standard in affluent contexts.
Practical advice: if your wealth crosses the silver nisab but not gold, paying zakat is the safe course. When in doubt, ask a scholar you trust — and remember the amounts here are guidance, not a fatwa.
What counts toward the nisab?
Add everything zakatable together and compare the total to the nisab — items are not tested one by one:
- Cash in hand and in bank accounts (current + savings)
- Gold and silver (jewellery, coins, bars) at current market value
- Trade goods and business inventory at wholesale value
- Shares, mutual funds and other investments (as per scholarly treatment)
- Minus: debts, loans payable, and immediate expenses due
Personal-use items — your home, car, furniture, clothes — are not counted.
Key takeaways
- Nisab = 87.48g gold (≈ Rs 3.27M) or 612.36g silver — weights are fixed, rupee values move daily.
- Assets are pooled together, then compared to the nisab.
- Zakat = 2.5% of net zakatable wealth held for one lunar year.
- In doubt between gold and silver thresholds? The silver (lower) nisab is the cautious choice.
Frequently asked questions
What is the zakat nisab in Pakistan for 2026?
The nisab is 87.48 grams of gold (about Rs 3.27 million at recent 24K rates) or 612.36 grams of silver. If your zakatable wealth exceeds either threshold for a lunar year, zakat at 2.5% becomes due.
Should I use the gold or silver nisab?
Scholars differ. Many recommend the silver nisab because it is lower, so more people qualify and more zakat reaches the poor. Others use gold. When in doubt, consult a scholar you trust — using the lower (silver) threshold is the cautious option.
How is the nisab calculated in Pakistani rupees?
Multiply 87.48 by the current per-gram price of 24K gold (or 612.36 by the per-gram silver price). Because bullion prices move daily, the PKR nisab changes every day.
Is zakat due if my wealth is exactly at the nisab?
Yes — reaching the nisab is the trigger. If your net zakatable assets equal or exceed the nisab and a lunar year has passed over them, 2.5% zakat is due.
Does the nisab apply separately to gold and cash?
No. All zakatable assets — cash, bank balances, gold, silver, trade goods and investments — are added together and the total is compared against the nisab, not each item separately.