Today Gold Rate in Pakistan 24K and 22K Sarafa Market
APGJSA Sarafa Benchmark Ticker
14 October 2026 – 12:51 AM

Gold Rate in Pakistan Today (سونے کی قیمت)

All Pakistan Gems and Jewellers Sarafa Association Official Market Rates
✨ 24K Gold 1 Tola
Rs. 432,669
10 Gram: Rs. 370,950
💍 22K Gold 1 Tola (Jewellery)
Rs. 396,613
10 Gram: Rs. 340,038
🪙 21K Gold 1 Tola
Rs. 378,585
10 Gram: Rs. 324,581
🏷️ 18K Gold 1 Tola
Rs. 324,502
10 Gram: Rs. 278,213

📊 Today’s Gold Rate in Pakistan by Purity (24K, 22K, 21K, 18K)

Gold PurityPer Tola (11.66g)Per 10 GramPer 1 Gram
24K Gold (Pure)Rs. 432,669Rs. 370,950Rs. 37,095
22K Gold (Jewellery)Rs. 396,613Rs. 340,038Rs. 34,004
21K GoldRs. 378,585Rs. 324,581Rs. 32,458
18K GoldRs. 324,502Rs. 278,213Rs. 27,821

🏙️ Gold Price in Major Cities of Pakistan (24K & 22K)

City / Sarafa Market24K Tola24K 10g22K Tola22K 10g
KarachiRs. 432,669Rs. 370,950Rs. 396,613Rs. 340,038
LahoreRs. 432,669Rs. 370,950Rs. 396,613Rs. 340,038
IslamabadRs. 432,669Rs. 370,950Rs. 396,613Rs. 340,038
RawalpindiRs. 432,669Rs. 370,950Rs. 396,613Rs. 340,038
PeshawarRs. 432,669Rs. 370,950Rs. 396,613Rs. 340,038
QuettaRs. 432,669Rs. 370,950Rs. 396,613Rs. 340,038
FaisalabadRs. 432,669Rs. 370,950Rs. 396,613Rs. 340,038
MultanRs. 432,669Rs. 370,950Rs. 396,613Rs. 340,038
GujranwalaRs. 432,669Rs. 370,950Rs. 396,613Rs. 340,038
SialkotRs. 432,669Rs. 370,950Rs. 396,613Rs. 340,038
HyderabadRs. 432,669Rs. 370,950Rs. 396,613Rs. 340,038
Interactive Sarafa Tool
🧮 Pakistan Gold Jewelry Bill, Ratti Katoti & Zakat Calculator
Synced with Today’s Live 24K Sarafa Rate

Calculate your exact gold ornament purchase bill (including jeweler making charges / mazdoori), net resale cash value after standard Sarafa Ratti Katoti deduction, and annual 2.5% Zakat liability:

Net Gold Metal Value
Rs. 400,142
Weight: 11.66 Grams
Total Jeweler Purchase Bill
Rs. 444,464
Includes Rs. 44,322 Mazdoori
Resale Cash (After 2 Ratti Katoti)
Rs. 391,806
~2.08% Solder/Polish Deduction
2.5% Annual Zakat Value
Rs. 10,004
Applicable if total gold ≥ 7.5 Tola

🇵🇰 پاکستان میں آج سونے کا ریٹ (صرافہ مارکیٹ خلاصہ)

آل پاکستان جیمز اینڈ جیولرز ایسوسی ایشن کے مطابق پاکستان بھر کی صرافہ مارکیٹوں میں سونے کے سرکاری نرخ روزانہ دوپہر 2:00 سے 3:30 بجے کے درمیان عالمی مارکیٹ (COMEX Bullion) اور انٹربینک ڈالر ریٹ کے مطابق جاری کیے جاتے ہیں۔ 24 قیراط، 22 قیراط اور 21 قیراط سونے کے لائیو فی تولہ اور 10 گرام ریٹس اوپر دیے گئے چارٹ اور ٹیبل میں باقاعدگی سے اپڈیٹ کیے جاتے ہیں۔

💡 خریداروں کے لیے رہنمائی: زیورات خریدتے وقت صراف سے کٹائی (Making Charges) کی کٹوتی کی تحریری رسید لازماً طلب کریں۔ خالص انویسٹمنٹ کے لیے زیور کے بجائے 24K گولڈ بسکٹ یا ARY / PAMP سکے خریدنا سب سے زیادہ منافع بخش رہتا ہے۔

🥈 چاندی (Silver) کا تازہ ترین ریٹ جاننا چاہتے ہیں؟

خالص 999 فائن چاندی کے تولہ، 10 گرام ریٹس اور زکوٰۃ کا چاندی نصاب دیکھنے کے لیے ہمارا الگ پیج ملاحظہ فرمائیں:

👉 Silver Rate in Pakistan Today

⚖️ Pakistan Gold Weight Conversion Matrix (Tola, Gram, Masha & Ratti)

In Pakistan, local Sarafa bazaars measure bullion using traditional subcontinental units alongside standard metric grams:

Local UnitMetric EquivalentSarafa Description
1 Tola (تولہ)11.6638 GramsStandard unit for trading physical gold and silver in Pakistan.
1 Tola12 MashasSub-divided into 12 parts for jewelry calculations.
1 Masha (ماشہ)0.972 Grams (8 Ratti)Used to weigh precious gemstones and smaller gold components.
1 Ratti (رتی)0.1215 GramsSmallest traditional measurement unit in South Asian goldsmithing.
1 Ounce (Troy)31.1035 Grams (2.665 Tolas)Global benchmark used on international exchanges (COMEX/LBMA).
1 Kilogram85.735 Tolas (1,000 Grams)Commercial gold brick standard used by central banks and mints.

🥇 24K vs 22K vs 21K vs 18K: Which Gold Should You Buy?

  • 24 Karat (99.9% Purity): The purest gold commercially available. Because 24K is soft and malleable, it cannot hold delicate jewelry shapes and is traded almost exclusively as Gold Bars, Biscuits, and TT Bars for wealth preservation and financial investment.
  • 22 Karat (91.6% Purity): Alloyed with 8.4% copper, silver, or zinc to provide mechanical durability. 22K is the standard alloy used for wedding jewelry across Pakistan, India, and the Gulf.
  • 21 Karat (87.5% Purity): Popular in Middle Eastern and Arab jewelry imports. Offers high durability with a rich yellow hue.
  • 18 Karat (75.0% Purity): Alloyed with 25% base metals. Typically used for diamond-studded rings, luxury watches, and modern designer ornaments requiring superior structural hardness.

🛡️ 5 Golden Rules to Avoid Gold Jewelry Fraud in Pakistan

When purchasing gold jewelry from local markets, adhere strictly to these consumer protection standards:

  1. Verify the Exact Net Weight: Ensure the jeweler weighs the ornament before and after setting stones. Never pay the pure gold per-gram rate for artificial stones, beads, or enamel.
  2. Ask for Computerized Karat Testing: Request an electronic gold purity scan (XRF analyzer). Reputable Sarafa markets in Karachi, Lahore, and Rawalpindi offer testing verification slips for a nominal fee (Rs. 100 – 200).
  3. Negotiate Making Charges (Katai / Mazdoori): Making charges vary widely between 5% and 20%. Demand an itemized receipt distinguishing the raw gold value from labor costs.
  4. Demand an Official Tax Invoice: The bill must explicitly mention the date, gross weight, net gold weight, purity karat, and jeweler’s physical business NTN.
  5. Compare With Live Dollar & Inflation Benchmarks: Track how currency devaluation drives precious metal prices by checking our live Currency Rates in Pakistan and energy inflation on Petrol Prices in Pakistan.

How Jeweler Making Charges (Mazdoori) & Resale Deduction (Polishing Katoti) Work in Pakistan

When you walk into a jewelry showroom in Saddar (Karachi), Liberty/Ichhra (Lahore), or Sarafa Bazaar (Rawalpindi), the bill you pay is significantly higher than the raw 22K or 21K gold rate listed in the table above. Understanding the three components of a Pakistani jeweler’s invoice protects your family’s hard-earned savings:

  • 1. Making / Crafting Charges (Katai or Mazdoori): Depending on whether the ornament is machine-made chain, traditional hand-crafted bridal kundan/jadau, or Turkish/Dubai imported casting, jewelers add Rs. 2,500 to Rs. 6,500 per gram in labor charges. Always negotiate making charges as a flat rupee amount per gram or per tola rather than a percentage of gold price.
  • 2. Wastage & Solder Deduction Upon Resale (Ratti / Masha Katoti): Because 22K gold ornaments use lower-karat soldering joints (taanka) to join clasps and filigree pieces, selling old jewelry back to a Sarafa dealer triggers a melting/purity deduction (locally called Katoti) of 1 to 2.5 Rattis per Tola (roughly 1% to 2.6% of weight) if returned to the same shop with an original receipt, or up to 4 to 6 Rattis per Tola if sold to an unknown dealer without a bill.
  • 3. ARY / Swiss PAMP Millat Bars vs. Local “Pathor / Rawa” Bullion: For pure wealth preservation and Zakat calculation, avoid buying wearable jewelry. Instead, purchase sealed 24K (999.9) Swiss PAMP, Valcambi, or ARY Sahulat gold bars (1g, 5g, 10g, or 1 Tola) or computer-tested Tezaabi Pathor from an authorized bullion dealer, which trade with a razor-thin buy/sell spread of less than 0.5%.

Economic Interconnections: Gold as an Inflation Hedge in Pakistan

Gold is Pakistan’s premier safe-haven asset, reacting instantaneously to broader economic indicators:

  • 💵 USD to PKR Exchange Rate: Because Pakistan imports gold through Dubai and Switzerland, every Rs. 1 depreciation of the Pakistani Rupee against the US Dollar adds approximately Rs. 1,000 to Rs. 1,400 to the price of a tola of gold.
  • ⛽ Fuel & Transport Inflation: Rising energy tariffs on our Today Petrol Price in Pakistan index fuel domestic inflation, prompting retail investors to hedge savings by buying physical gold bullion.
  • 🏗️ Industrial & Construction Investments: Developers balancing real estate portfolios often shift capital between raw structural steel on TR Garder Rate in Pakistan and physical gold reserves.

📲 Get Live Sarafa Gold Alerts on Your Phone

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💡 Must-Read Educational Guide: Ever wondered how today’s Sarafa rate was calculated? Read our complete behind-the-scenes breakdown: How Sarafa Association Determines Daily Gold Rates in Pakistan.

What is the difference between 24K and 22K gold?

24K gold is 99.9% pure gold, primarily traded in bars and biscuits for investment purposes. 22K gold contains 91.6% pure gold alloyed with 8.4% copper or silver, providing the mechanical hardness required to manufacture wearable jewelry.

At what time are gold rates updated in Pakistan?

Official bullion prices are determined by the All Pakistan Sarafa Gems and Jewellers Association (APSGJA) daily between 2:00 PM and 3:30 PM PST, reflecting midday international COMEX spot prices and interbank USD-PKR exchange rates.

How many grams are in 1 tola of gold?

In Pakistan and South Asian bullion markets, 1 Tola equals exactly 11.6638 grams (or 11.66 grams rounded). One tola also equals 12 mashas or 96 rattis.

Is physical gold or gold jewelry better for investment?

Physical 24K gold bars, biscuits, or minted coins are far superior for investment because they carry zero or minimal making charges (katai/mazdoori). Jewelry carries 10% to 20% in non-refundable crafting fees that are lost upon resale.

How is the gold rate in Pakistan calculated from international prices?

The formula is: [(International Ounce Price in USD / 31.1035) × USD to PKR Exchange Rate × 11.6638] + Local Sarafa Freight and Import Premium.

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