The exchange rate between the Saudi Riyal (SAR) and the Pakistani Rupee (PKR) is one of the most closely monitored currency metrics for Pakistanis, especially those who work in Saudi Arabia and send remittances back home. This rate not only affects remittances but also influences travel costs, trade, and financial planning for millions of people. In this article, we will explore the current SAR to PKR rates, factors affecting these rates, historical trends, practical conversion examples, and tips for exchanging money effectively.
Current Exchange Rate: SAR to PKR (2026)
As of February 12, 2026, the SAR to PKR exchange rate stands at approximately:
Live Exchange Rate (Interbank Market)
| Metric | Value (PKR) |
|---|---|
| 1 SAR (Buying) | 74.53 PKR |
| 1 SAR (Selling) | 74.66 PKR |
This means that one Saudi Riyal is currently equivalent to about PKR 74.66 in Pakistan’s interbank currency market. The rate showed a slight decrease of PKR 0.03 in the most recent trading session, indicating minor daily fluctuations typical in forex markets.
Open Market Rate
In the open market, the exchange rate may differ slightly due to additional service charges and fees applied by exchange outlets. On the same day:
| Market Type | SAR to PKR |
|---|---|
| Buying | 74.80 PKR |
| Selling | 75.25 PKR |
This open market rate provides a realistic picture of what an individual might receive when physically exchanging Saudi Riyals for Pakistani Rupees in local exchange bureaus.
These values reflect the real-time dynamics of foreign exchange and highlight how the interbank rate (official bank trading rate) can differ from open market conditions where cash transactions occur.
Why the SAR to PKR Exchange Rate Matters
The Saudi Riyal to Pakistani Rupee rate is important for several key reasons:
1. Remittances from Overseas Workers
Millions of Pakistani workers live in Saudi Arabia, and their remittances form a substantial part of Pakistan’s foreign exchange reserves. Fluctuations in SAR to PKR directly affect how much money families receive in Pakistan. When the Riyal strengthens against the Rupee, remittance values rise, offering more purchasing power for recipients.
2. Trade and Business Transactions
Pakistan imports a significant volume of goods and services from Saudi Arabia, especially petroleum and industrial products. A stable SAR to PKR exchange rate ensures predictable import costs and smoother commercial transactions.
3. Pilgrimage and Travel Costs
Travelers going from Pakistan to Saudi Arabia for religious pilgrimages such as Hajj and Umrah also monitor this rate closely. A favorable exchange rate can reduce total travel expenses by lowering the cost of foreign exchange conversion.
4. Economic Indicator
The SAR to PKR rate is also viewed as an economic indicator reflecting the strength of the Pakistani Rupee against a foreign currency in a relatively stable Gulf economy.
Historical Trends of SAR to PKR Rate
Although the value of the Saudi Riyal remains relatively stable compared to major currencies, the Pakistani Rupee often undergoes fluctuations due to inflation, economic pressure, and trade deficits.
Here’s a simplified historical comparison of approximate SAR to PKR values over recent months:
| Period | Approximate Rate (PKR per SAR) |
|---|---|
| Early 2025 | 74.5 – 75.0 |
| Mid 2025 | 74.8 – 75.6 |
| Early 2026 | 74.5 – 74.7 |
| Current (Feb 2026) | ~74.66 |
These trends show that the SAR to PKR conversion has remained around the mid-70s for most of the past year, with minor daily variations based on market forces.
Conversion Table: SAR to PKR
One of the easiest ways to understand exchange rates is by looking at conversion examples across different amounts:
Basic Conversion Table
| SAR | PKR Equivalent |
|---|---|
| 1 SAR | ~74.66 PKR |
| 5 SAR | ~373.30 PKR |
| 10 SAR | ~746.60 PKR |
| 20 SAR | ~1,493.20 PKR |
| 50 SAR | ~3,733.00 PKR |
| 100 SAR | ~7,466.00 PKR |
| 500 SAR | ~37,330.00 PKR |
| 1000 SAR | ~74,660.00 PKR |
This table provides a simple method to estimate the value of SAR in PKR for various amounts based on the current rate of ~74.66.
Factors Affecting the Exchange Rate
Understanding why the SAR to PKR rate changes is important in interpreting currency trends. Here are the main factors:
1. Supply and Demand of Currency
If there is high demand for Pakistani Rupees, for instance due to trade inflows or foreign investment, its value may strengthen. Conversely, if more Rupees are exchanged for Riyals than vice versa, the PKR could weaken.
2. Remittance Inflows
Remittances from Pakistanis working abroad (especially in Saudi Arabia) significantly influence exchange rate stability. High remittance inflows mean more foreign exchange reserves, which can help strengthen PKR.
3. Inflation and Economic Policies
Domestic inflation in Pakistan, economic growth rates, and fiscal policies can affect the value of PKR relative to foreign currencies including SAR.
4. Foreign Exchange Reserves
State Bank of Pakistan’s foreign exchange reserves play a crucial role in maintaining market confidence. Higher reserves typically enhance currency stability.
5. Global Economic Conditions
Since the Saudi Riyal is pegged to the US Dollar, global economic forces and USD fluctuations can indirectly influence SAR to PKR trends.
Tips for Exchanging Currency
If you plan to exchange SAR to PKR, consider the following tips to ensure you get the best value:
1. Check Live Rates Before Exchanging
Currency markets shift frequently throughout the day. Always check live rates on official sources like central bank data or trusted financial platforms before making exchanges.
2. Use Licensed Exchange Services
Bank branches and licensed exchange companies are safer and more transparent than unauthorized dealers, even though rates vary slightly.
3. Compare Multiple Rates
Compare interbank and open market rates to find the best deal. Sometimes exchange centers offer better cash rates than banks for physical currency.
4. Plan Your Transfers
If you are sending money through international remittance services, check fees and final delivered amount since these can differ from basic forex rates.
Conclusion
The SAR to PKR exchange rate remains an essential metric for Pakistan’s economy, remittance sector, travelers, and businesses. As of February 12, 2026, 1 Saudi Riyal equals approximately PKR 74.66 in the interbank market, with slightly higher figures in the open market.
Understanding how this rate works — including the forces that influence it and practical conversion applications — helps individuals and companies make informed financial decisions. Whether you are planning to send money home, invest, import goods, or budget for travel, knowing the latest SAR to PKR rate and its trends is indispensable.
