Gold as an Investment in Pakistan
Gold has traditionally been a safe-haven asset in Pakistan, protecting against rupee depreciation and inflation. Pakistan is one of the largest per-capita gold consumers in the world.
Ways to Invest in Gold in Pakistan
- **Physical gold** — Jewelry, bars, coins from authorized dealers
- **PMEX (Pakistan Mercantile Exchange)** — Trade gold futures contracts
- **Savings Schemes** — National Savings Centres offer some gold-linked schemes
- **Digital Gold** — Some fintech platforms are introducing digital gold investments
Gold Price Factors in Pakistan
Gold prices in PKR are affected by:
- International gold price (USD/troy oz)
- PKR/USD exchange rate
- Local supply and demand
- Import duties and taxes
Calculating Gold Returns
Return = (Current Price - Purchase Price) / Purchase Price × 100%
If you bought gold at PKR 15,000/g in 2020 and it's now PKR 21,500/g:
Return = (21,500 - 15,000) / 15,000 × 100 = 43.3% return
Zakat on Gold
Remember: Gold above the Nisab threshold (87.48g or 612g silver equivalent) is subject to Zakat at 2.5%. Use our Zakat Calculator to calculate your obligation.
Gold Purity in Pakistan
- **24k** — 99.9% pure gold (investment grade)
- **22k** — 91.7% pure (standard jewelry)
- **21k** — 87.5% pure (some jewelry)
- **18k** — 75% pure (lighter jewelry)
Use our Gold Calculator to calculate the value of your gold.