Pakistan Bank Opening & Closing Time in Ramadan 2026
The State Bank of Pakistan has officially notified revised banking and office hours for Ramadan 2026.
According to the circular issued in February 2026, all:
- Commercial banks
- Development Finance Institutions (DFIs)
- Microfinance Banks (MFBs)
must follow the updated Ramadan schedule across Pakistan, including Islamabad, Lahore, Karachi, Rawalpindi, Faisalabad, Multan, and other cities.
If you are searching:
- What is the bank time in Pakistan during Ramadan?
- Ramadan bank timing 2026
- Pakistan bank opening & closing time in Ramadan 2026 Islamabad
- What time banks open and close during Ramadan?
Here is the complete and verified breakdown.
1️⃣ Public Dealing (Customer) Hours – Ramadan 2026
These are the hours during which bank branches are open for public transactions.
Monday to Thursday
9:00 AM – 2:00 PM
Friday
9:00 AM – 12:30 PM
This means customers have:
- 5 hours for transactions on regular weekdays
- 3.5 hours on Fridays
After these hours, counters close for customers.
2️⃣ Office (Staff) Working Hours – Ramadan 2026
Bank employees follow slightly extended hours for internal operations.
Monday to Thursday
9:00 AM – 3:00 PM
Friday
9:00 AM – 1:00 PM
Even after public dealing ends, internal processing continues, including:
- Interbank clearing
- System reconciliation
- Cash balancing
- Regulatory compliance
- Treasury operations
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 Zakat deduction purposes.
What This Means
- All banks will remain closed for public dealing.
- Bank employees must report to work.
- Internal processing continues as a normal working day.
Expected Date
Likely Thursday, February 19, 2026, subject to official moon sighting confirmation.
4️⃣ Zakat Nisab 2026 – Official Threshold
The government has fixed the Zakat Nisab for 1447 AH at:
Rs. 503,529
Automatic Deduction
- Rate: 2.5%
- Applicable to:
- Savings accounts
- Profit & Loss Sharing (PLS) accounts
- Similar eligible deposit accounts
If your balance equals or exceeds Rs. 503,529 on the first day of Ramadan, Zakat will be deducted automatically.
Exemptions
The following are exempt:
- Current accounts
- Customers who submitted a valid CZ-50 Zakat Exemption Form
5️⃣ Digital Banking During Ramadan 2026
Even though branch hours are reduced, digital services remain available 24/7:
- ATMs (withdrawals & deposits)
- Mobile banking apps
- Internet banking portals
- Raast instant transfers
- Bill payments
- Call center support
Customers are strongly encouraged to use digital channels to avoid branch congestion.
Bank Timings in Islamabad & Major Cities
The Ramadan 2026 schedule applies uniformly across Pakistan, including:
- Islamabad
- Lahore
- Karachi
- Rawalpindi
- Peshawar
- Multan
There are no city-specific variations unless separately notified by SBP.
Peak Rush Hours During Ramadan
Branches typically experience heavy crowds:
- Between 11:30 AM and 1:30 PM
- On Fridays
- Just before closing (1:00 PM – 2:00 PM)
Smart Tip
Visit between 9:00 AM and 10:30 AM for quicker service.
When Do Banks Return to Normal Hours?
Immediately after Eid-ul-Fitr holidays, banks automatically revert to standard pre-Ramadan working hours.
Quick 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 extend slightly beyond public hours
- 1st Ramadan: Public bank holiday for Zakat deduction
- Zakat Nisab: Rs. 503,529
- Deduction rate: 2.5%
- Digital services: Fully operational 24/7
The State Bank of Pakistan Ramadan 2026 circular ensures smooth banking operations while accommodating fasting hours.
