Bank Timings in Pakistan During Ramadan 2026 – Updated Schedule
The State Bank of Pakistan has officially announced the Ramadan 2026 bank timings for all commercial banks, Development Finance Institutions (DFIs), and Microfinance Banks (MFBs) across the country.
The notification, issued on February 13, 2026, outlines revised public dealing hours and office (staff) hours for the holy month.
If you are searching:
- State bank timings in Pakistan during Ramadan 2026
- What is the bank time in Pakistan during Ramadan?
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- Bank timings in Pakistan during Ramadan 2026 Islamabad
Here is the complete and verified schedule.
1️⃣ Public Dealing (Banking) Hours – Ramadan 2026
These are the timings during which customers can visit bank branches for transactions.
Monday to Thursday
9:00 AM to 2:00 PM
Friday
9:00 AM to 12:30 PM
After these hours, counters close for public dealing, though internal processing may continue.
2️⃣ Office (Staff) Hours – Ramadan 2026
These timings apply to bank employees.
Monday to Thursday
9:00 AM to 3:00 PM
Friday
9:00 AM to 1:00 PM
Staff remain available beyond public dealing hours for:
- Clearing operations
- Internal processing
- System reconciliation
- Administrative duties
3️⃣ 1st Ramadan – Bank Holiday for Zakat Deduction
The SBP has confirmed that the 1st of Ramadan will be observed as a Bank Holiday for the purpose of annual Zakat deduction.
What Does This Mean?
- Branches closed for public dealing
- Staff required to attend office
- Internal processing continues
- Automatic Zakat deduction applied to eligible accounts
Expected Date
The 1st Ramadan is expected to fall on Thursday, February 19, 2026, subject to official moon sighting confirmation.
4️⃣ Digital Banking During Ramadan 2026
While branch hours are reduced, digital banking services remain fully operational.
24/7 Available Services
- ATMs (cash withdrawal & deposit)
- Mobile banking apps
- Internet banking portals
- IBFT & Raast transfers
- Bill payments
- Credit card payments
- Call center support
Customers are strongly encouraged to use digital channels to avoid long queues.
Bank Timings in Islamabad & Major Cities
The SBP circular applies nationwide, including:
- Islamabad
- Lahore
- Karachi
- Faisalabad
- Rawalpindi
- Multan
- Peshawar
All banks across Pakistan follow the same Ramadan timing structure under SBP instructions.
Practical Advice for Customers
To avoid delays during Ramadan:
- Visit branches before 11:00 AM
- Avoid the last 30 minutes before closing
- Use ATMs for cash transactions
- Prefer mobile banking for transfers
Peak rush is typically between 12:00 PM and 1:30 PM.
Difference Between Regular & Ramadan Timings
During normal months:
- Banks typically close around 5:00 PM
- Public dealing extends longer
During Ramadan:
- Hours are shortened
- Staff shifts are compressed
- Friday timing is significantly reduced
What Was the SBP Circular Timing for Ramadan 2025?
The 2026 schedule closely mirrors previous Ramadan adjustments, with minor structural refinements.
Each year, SBP releases an official circular approximately one week before Ramadan begins.
Final Summary – Ramadan Bank Timing 2026 Pakistan
- Public dealing: 9:00 AM – 2:00 PM (Mon–Thu)
- Friday public dealing: 9:00 AM – 12:30 PM
- Office hours: Extended slightly beyond public hours
- 1st Ramadan: Bank holiday for Zakat deduction
- Digital services: Available 24/7
The State Bank of Pakistan Ramadan timing 2026 notification ensures a balance between operational continuity and religious observance.
