Ramadan 2026 Bank Working Hours in Pakistan – Complete Guide
The State Bank of Pakistan has formally notified revised Ramadan 2026 banking hours for all commercial banks, Development Finance Institutions (DFIs), and Microfinance Banks (MFBs) operating across Pakistan.
These timings will take effect from 1st Ramadan 1447 AH (expected Thursday, February 19, 2026), subject to moon sighting confirmation.
If you’re searching:
- What are the banking hours for Ramadan in Pakistan?
- What time banks open and close during Ramadan 2026?
- Ramadan bank timing 2026 SBP circular
Here is the complete and updated breakdown.
1️⃣ Public Dealing (Banking) Hours – Ramadan 2026
These are the hours when customers can visit branches for transactions such as deposits, withdrawals, drafts, account services, and remittances.
Monday to Thursday
9:00 AM to 2:00 PM
Friday
9:00 AM to 12:30 PM
This means customers have a maximum of 5 hours of public dealing time on regular weekdays and 3.5 hours on Fridays.
After these hours, counters close for customer transactions.
2️⃣ Office (Staff) Working Hours – Ramadan 2026
Bank employees follow slightly extended timings for internal processing and clearing operations.
Monday to Thursday
9:00 AM to 3:00 PM
Friday
9:00 AM to 1:00 PM
Even after public dealing ends, internal tasks continue, including:
- Interbank clearing
- Treasury operations
- Regulatory reporting
- Cash reconciliation
- Branch balancing
3️⃣ 1st Ramadan – Bank Holiday for Zakat Deduction
The SBP has issued a separate notification regarding Zakat deduction on the 1st of Ramadan.
Public Dealing Status
- All banks will remain closed for customers on 1st Ramadan.
Staff Attendance
- Employees must report to duty.
- Internal processing continues.
- It is not a public holiday for staff.
Zakat Nisab 2026 – Official Threshold
For Ramadan 2026:
- Zakat Nisab: Rs. 503,529
- Deduction Rate: 2.5%
Zakat will be automatically deducted from:
- Savings accounts
- Profit & Loss Sharing (PLS) accounts
- Other eligible Islamic deposit accounts
If your balance equals or exceeds the Nisab on the deduction date, 2.5% will be deducted automatically.
Customers wishing to file a Zakat exemption must submit the required declaration form in advance.
What Are the Working Hours for Ramadan?
To summarize clearly:
| Category | Monday–Thursday | Friday |
|---|---|---|
| Public Dealing | 9:00 AM – 2:00 PM | 9:00 AM – 12:30 PM |
| Staff Hours | 9:00 AM – 3:00 PM | 9:00 AM – 1:00 PM |
These timings apply nationwide.
Banking Hours in Major Cities
The Ramadan schedule is uniform across:
- Karachi
- Lahore
- Islamabad
- Rawalpindi
- Faisalabad
- Multan
- Peshawar
All branches follow SBP-issued timings without regional variation.
Essential Customer Tips During Ramadan
1️⃣ Visit Early
Branches become crowded between 11:30 AM and 1:30 PM. Arriving before 10:30 AM reduces waiting time.
2️⃣ Use Digital Channels
Available 24/7:
- Mobile banking apps
- Internet banking portals
- Raast instant transfers
- Bill payments
- ATM withdrawals and deposits
Digital banking remains unaffected by Ramadan office hours.
3️⃣ Plan ATM Withdrawals
Demand increases significantly:
- Before Iftar
- On Fridays
- Before Eid
Machines are replenished regularly, but planning ahead prevents inconvenience.
When Do Banks Return to Normal Timings?
Immediately after Eid-ul-Fitr holidays, banks automatically resume their standard pre-Ramadan office hours.
No separate notification is usually required for this transition.
Final Summary – Ramadan Bank Timing 2026 Pakistan
- Public dealing: 9:00 AM – 2:00 PM
- Friday public dealing: 9:00 AM – 12:30 PM
- Staff hours slightly extended beyond customer hours
- 1st Ramadan: Public holiday for Zakat deduction only
- Zakat Nisab 2026: Rs. 503,529
- Digital services fully operational
The State Bank of Pakistan Ramadan 2026 circular ensures operational continuity while accommodating religious observance.
