Banking Hours for Ramazan 2026 in Pakistan – SBP Official Schedule
As of Thursday, February 19, 2026 (1st Ramadan 1447 AH), all banks in Pakistan observed a public dealing closure due to the mandatory Zakat deduction holiday.
The State Bank of Pakistan (SBP) issued Circular Letter No. 05 dated February 18, 2026, confirming the revised Ramadan working hours for all:
- Commercial Banks
- Development Finance Institutions (DFIs)
- Microfinance Banks (MFBs)
- SBP offices
Below is the complete official schedule for Ramadan 2026.
1️⃣ Public Dealing Hours (For Customers)
These are the hours when bank branches remain open for deposits, withdrawals, drafts, and customer services.
| Day | Public Dealing Hours |
|---|---|
| Monday – Thursday | 09:00 AM – 02:00 PM |
| Friday | 09:00 AM – 12:30 PM |
No lunch or prayer break during these hours. Services continue without interruption until closing.
2️⃣ Office Working Hours (For Bank Staff)
These timings apply internally to employees.
| Day | Office Hours |
|---|---|
| Monday – Thursday | 09:00 AM – 03:00 PM |
| Friday | 09:00 AM – 12:30 PM |
Zakat Deduction – 2026 Nisab Update
For Ramadan 2026, SBP has set the Zakat Nisab at Rs. 503,529.
If your savings or PLS account balance was below this threshold on February 19, 2026:
- No Zakat deduction was applied.
Accounts exceeding the Nisab are subject to mandatory deduction under federal Zakat regulations.
Key Ramadan Banking Guidelines 2026
✔ No Midday Break
To accommodate fasting hours, banks operate continuously until closing time.
✔ Digital Banking Remains Active
Despite reduced branch hours:
- ATMs operate 24/7
- Mobile banking apps active
- Internet banking fully functional
- Online fund transfers uninterrupted
✔ Automatic Schedule Reversion
After Eid-ul-Fitr holidays (expected late March 2026), banks will return to their regular pre-Ramadan timings automatically.
What Is the Bank Timing in Pakistan During Ramadan 2026?
Public Dealing:
- 9:00 AM to 2:00 PM (Mon–Thu)
- 9:00 AM to 12:30 PM (Friday)
Office Hours:
- 9:00 AM to 3:00 PM (Mon–Thu)
- 9:00 AM to 12:30 PM (Friday)
What Is the Timing of SBP During Ramadan?
The State Bank follows the same Ramadan office schedule:
- 09:00 AM – 03:00 PM (Mon–Thu)
- 09:00 AM – 12:30 PM (Friday)
Customer-facing counters close earlier as per public dealing schedule.
SBP Ramadan Timings 2026 Circular – Important Notes
Circular Letter No. 05 (Feb 18, 2026) confirms:
- Uniform nationwide schedule
- Applies to all regulated financial institutions
- Immediate implementation from 1st Ramadan
Banks do not individually set Ramadan hours; they follow SBP directives.
Friday Advisory During Ramadan
Fridays are particularly busy due to:
- Early closure at 12:30 PM
- Jumu’ah prayers
- Reduced working window
It is recommended to complete transactions before 11:30 AM to avoid long queues.
Summary – Ramadan Bank Timing 2026 Pakistan
- Effective From: February 19, 2026
- Public Dealing: 9:00 AM – 2:00 PM
- Friday Closure: 12:30 PM
- Zakat Nisab: Rs. 503,529
- Digital Services: Fully operational
Ramadan banking hours are designed to balance public service delivery with fasting schedules while ensuring uninterrupted financial access through digital platforms.
