On 9 October 2026, Prime Minister Shehbaz Sharif approved a summary for an interest-free Hajj Savings Scheme to help Pakistanis save gradually for the pilgrimage amid rising Hajj costs. The Ministry of Religious Affairs, the Ministry of Finance and the Central Directorate of National Savings jointly developed the scheme.
Key Features of the Hajj Savings Scheme
- Interest-free and Shariah-compliant savings plan
- Save through monthly deposits via digital channels
- Choose your own savings period according to your needs
- Transfer your savings account or facility to family members
- Withdraw your deposited money at any stage without deductions
Rules Within Two Months
Religious Affairs Secretary Abrar Ahmed Mirza chaired a meeting at the ministry on 9 October 2026 and directed the relevant institutions to prepare the scheme’s rules and regulations within two months, in line with the approved proposal. However, the government has not announced eligibility criteria, savings terms or a formal launch date yet — officials will announce these details after they finalize the rules.
Umrah Savings Schemes Also Planned
Furthermore, the government has instructed officials to prepare similar savings schemes for Umrah and other religious pilgrimages, potentially extending the facility beyond the annual Hajj.
(Source: Arab News)
How This Differs From Hajj 2027 Registration
In contrast, this savings scheme is separate from the Hajj 2027 government scheme registration. In other words, it is a financial planning tool, not a Hajj application — you save first, then apply for Hajj through the normal process when ready. Therefore, read our complete Hajj 2027 guide for packages, dues and registration details.
FAQs
Is the Hajj Savings Scheme launched yet?
No — the government has only approved the summary/proposal so far. In addition, officials will finalize the rules within two months, and the government will announce the formal launch after that.
Will there be any interest on savings?
No — the scheme is interest-free and Shariah-compliant.
Can I withdraw my money early?
Yes — participants can withdraw deposited funds at any stage without deductions, per the approved proposal.
Overall, the Hajj Savings Scheme 2026 is a welcome step for families who find the lump-sum Hajj cost difficult. Meanwhile, once officials finalize the rules, we will update this page with the official application method, eligibility and deposit details. For all government scheme guides, visit the 8171 Pass Gov homepage.