Gold Rate Pakistan Today: 24K Gold Price PKR 359,000 Per Tola - June 2025 Investment Guide for Women

Today's Gold Rates Pakistan (Live Updates - June 19, 2025)

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Last updated: June 19, 2025 - 2:30 PM PST Source: Pakistan Sarafa Association

Gold Prices by City in Pakistan Today

Karachi Gold Rates (Main Market Hub)

• 24K Gold: PKR 359,000 per tola
• 22K Gold: PKR 329,539 per tola
• Market: Jodia Bazaar Sarafa Market
• Update Time: Every 30 minutes during trading hours

Lahore Gold Prices Today

• 24K Gold: PKR 358,800 per tola (-PKR 200 vs Karachi)
• 22K Gold: PKR 329,350 per tola
• Market: Sarafa Bazaar, Shah Alami Gate
• Local Premium: Slightly lower than Karachi rates

Islamabad Gold Rates

• 24K Gold: PKR 359,200 per tola (+PKR 200 vs Karachi)
• 22K Gold: PKR 329,750 per tola
• Market: Aabpara Market, Blue Area dealers
• Note: Higher rates due to premium location costs

Other Major Cities Gold Prices

• Rawalpindi: PKR 359,100 per tola (24K)
• Faisalabad: PKR 358,700 per tola (24K)
• Multan: PKR 358,600 per tola (24K)
• Peshawar: PKR 358,900 per tola (24K)
• Quetta: PKR 359,300 per tola (24K)

Why Pakistani Women Should Buy Gold Now (June 2025 Market Analysis)

Current Market Drivers

Rupee Weakness: USD/PKR at 280+ makes gold attractive hedge Inflation Protection: Bank savings losing 10-15% real value annually Festival Season: Upcoming Eid creating demand surge Global Uncertainty: International conflicts supporting gold prices

5-Year Gold Performance Pakistan

• 2020: PKR 110,000 per tola → 2025: PKR 359,000 per tola
• Annual Growth: 26.7% in PKR terms
• Inflation-Adjusted: Real returns of 15-18% annually
• vs Bank Deposits: Gold outperformed by 200%+

Best Gold Investment Options Pakistan 2025

1. Physical Gold Investment (Most Popular)

Gold Coins - Best for Beginners

• 1 Gram Coins: PKR 30,822 (easy monthly buying)
• 5 Gram Coins: PKR 154,110 (systematic accumulation)
• 1 Tola Coins: PKR 359,000 (traditional investment)
• Where to Buy: Bank branches, certified dealers

Gold Bars - Lower Premium

• 10 Gram Bars: PKR 308,220 (1-2% making charges)
• 50 Gram Bars: PKR 1,541,100 (minimal premium)
• 100 Gram Bars: PKR 3,082,200 (wholesale rates)

2. Bank Gold Investment Plans

Habib Bank Limited (HBL) Gold

• Minimum Investment: PKR 25,000
• Monthly Plans: PKR 5,000+ systematic buying
• Storage: Professional bank vaults
• Buyback: Guaranteed at market rates

United Bank Limited (UBL) Gold Accumulation

• Start Amount: PKR 10,000
• Auto-Investment: Monthly deduction plans
• Certificates: Digital ownership proof
• Liquidity: Same-day conversion to cash

National Bank of Pakistan (NBP) Gold Schemes

• Investment Plans: 1-5 year systematic buying
• Storage Included: No additional vault costs
• Family Plans: Joint ownership options
• Sharia Compliant: Islamic banking approved

3. Gold Mutual Funds Pakistan

Available Options:

• Al Habib Islamic Gold Fund: 22% annual returns (3-year avg)
• NBP Gold Fund: 20% annual returns
• Management Fee: 1.5-2.5% annually
• Minimum: PKR 5,000 initial investment

Gold Buying Guide for Pakistani Women

Monthly Investment Strategy by Income

Income PKR 50,000-100,000

• Gold Allocation: PKR 5,000-10,000 monthly
• Method: 1-2 gram gold coins monthly
• Goal: 1 tola in 12-15 months
• Emergency Access: Keep 50% in bank gold plans

Income PKR 100,000-200,000

• Gold Allocation: PKR 10,000-20,000 monthly
• Method: 5-gram bars or systematic bank plans
• Goal: 2-3 tolas annually
• Strategy: Mix physical + bank gold 60/40

Income PKR 200,000+

• Gold Allocation: PKR 20,000-50,000 monthly
• Method: Large bars + gold funds
• Goal: 5+ tolas annually
• Optimization: Direct purchase for lower costs

Best Times to Buy Gold in Pakistan

Daily Timing (Karachi Sarafa Market)

• Morning 10-11 AM: Fresh international rates
• Afternoon 2-3 PM: Post-lunch stability
• Avoid: Market opening/closing volatility

Monthly Patterns

• Week 1: Lower prices (post-salary spending on other needs)
• Week 3-4: Price increases (wedding season demand)
• Best Buying: First 10 days of Islamic month

Seasonal Opportunities

• April-June: Lower demand, better prices
• July-August: Pre-festival accumulation phase
• September-November: Higher prices (wedding season)
• December-March: Mixed patterns, follow weekly trends

Where to Buy Gold in Major Pakistani Cities

Karachi - Main Gold Market Hub

Jodia Bazaar Sarafa Market

• Address: Jodia Bazaar, Karachi City
• Timing: 10 AM - 8 PM (Monday-Saturday)
• Speciality: Wholesale rates, largest selection
• Recommended Dealers: Haji Bashir & Sons, Al-Rehman Gold

Empress Market Area

• Address: Saddar, Near Empress Market
• Timing: 11 AM - 9 PM (Daily)
• Advantage: Tourist-friendly, English speaking
• Best For: Small purchases, beginners

Lahore Gold Markets

Sarafa Bazaar Shah Alami Gate

• Address: Shah Alami Gate, Walled City Lahore
• Timing: 10 AM - 8 PM (Monday-Saturday)
• History: 400+ years old market
• Recommended: Ahmad Gold House, Malik Jewellers

Liberty Market

• Address: Gulberg III, Liberty Roundabout
• Timing: 11 AM - 10 PM (Daily)
• Advantage: Modern setup, parking available
• Best For: Working women, weekend purchases

Islamabad/Rawalpindi Gold Dealers

Aabpara Market Islamabad

• Address: Aabpara Market, Sector G-6
• Timing: 10 AM - 9 PM (Monday-Saturday)
• Advantage: Government area, secure location

Raja Bazaar Rawalpindi

• Address: Raja Bazaar, Committee Chowk
• Timing: 9 AM - 8 PM (Monday-Saturday)
• Advantage: Traditional market, competitive rates

Gold Investment Calculator Pakistan

Monthly Savings to Gold Accumulation

Calculations based on current gold price PKR 359,000 per tola Assumes 5% annual price appreciation (conservative estimate)

Rupee vs Gold Value Protection

Example: PKR 1,00,000 invested today

• In Bank (15% interest): PKR 2,01,136 after 5 years
• In Gold (20% appreciation): PKR 2,48,832 after 5 years
• Real purchasing power: Gold maintains better value against inflation

FAQs: Gold Investment Pakistan Women

Q: What is today's 24K gold rate in Pakistan?

A: Today's 24K gold rate in Pakistan is PKR 359,000 per tola as of June 19, 2025. Rates vary slightly between cities, with Karachi setting the benchmark price.

Q: Which is better - 22K or 24K gold for investment?

A: 24K gold is better for pure investment (99.9% purity), while 22K gold (91.6% purity) is better if you plan to wear jewelry occasionally. For wealth building, choose 24K gold coins or bars.

Q: How much gold should Pakistani women buy monthly?

A: Financial experts recommend 10-20% of monthly savings in gold. For example, if you save PKR 20,000 monthly, invest PKR 2,000-4,000 in gold systematically.

Q: Is bank gold investment safe in Pakistan?

A: Yes, bank gold investments are regulated by State Bank of Pakistan and offer guaranteed buyback. Banks like HBL, UBL, and NBP provide secure storage and proper documentation.

Q: What are making charges on gold jewelry in Pakistan?

A: Making charges range from 8-25% depending on design complexity. Simple bangles: 8-12%, traditional designs: 12-18%, intricate work: 20-25%. For investment, buy plain gold with minimal making charges.

Q: When is the best time to buy gold in Pakistan?

A: Best times are typically April-June (lower demand), first week of each month, and morning hours at sarafa markets. Avoid wedding season (Sep-Nov) when prices are highest.

Q: How to check gold purity when buying in Pakistan?

A: Look for hallmarking certification, buy from registered dealers, ask for purity certificates, and use trusted sarafa markets. Banks guarantee purity for their gold products.

Q: Can women buy gold independently in Pakistan?

A: Yes, women can buy, sell, and own gold independently in Pakistan. No male permission required for gold transactions, making it ideal for financial independence.

Gold Price Trends Pakistan (Historical Data)

10-Year Gold Price History

• 2015: PKR 45,000 per tola
• 2017: PKR 52,000 per tola
• 2019: PKR 87,000 per tola
• 2021: PKR 115,000 per tola
• 2023: PKR 205,000 per tola
• 2025: PKR 359,000 per tola

Factors Affecting Gold Prices Pakistan

1. USD/PKR Exchange Rate: Primary driver (70% correlation)
2. International Gold Prices: Global market movements
3. Local Demand: Wedding seasons, festivals
4. Economic Uncertainty: Political stability impact
5. Inflation Rates: Higher inflation = higher gold demand

Conclusion: Smart Gold Investment Strategy for Pakistani Women 2025

With gold at PKR 359,000 per tola and rupee weakness continuing, systematic gold investment offers Pakistani women the best protection against inflation while building long-term wealth. Whether through monthly bank gold plans, physical coin accumulation, or gold mutual funds, the key is consistent investment regardless of short-term price fluctuations.

Your Action Plan:

1. Start Small: Begin with PKR 5,000 monthly investment
2. Choose Method: Bank gold plans for beginners, physical gold for experienced
3. Set Goals: Target 1-2 tolas annually based on income
4. Stay Consistent: Monthly investments beat trying to time the market
5. Monitor Regularly: Track prices but don't panic on daily fluctuations

Bottom Line: Your grandmother's gold wisdom was right - systematic gold accumulation remains the smartest wealth protection strategy for Pakistani women in 2025's economic environment.

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