One who is owing wealth equal to nisab has to offer Qurbani. In this nisab, the owned gold, silver, cash and belongings more than one’s needs, also will be counted i.e. if he or she owns such wealth equal in value to 612.36 g silver then it is wajib on him/her to offer Qurbani.
Allah (Subhana Wa Ta’ala) knows Best
Darul Uloom Deoband