Zaki was born into a Hyderabadi family with a long history of service in the Nizam's Army. His father was a retired Brigadier in the Nizam's Cavalry forces.[2]
In the Indo-Pakistani War of 1965, Zaki was wounded in the battle of Thatti Jaimal Singh and was awarded the Vir Chakra for a conspicuous display of gallantry in the face of the enemy:[3]
Gazette Notification: 134 Pres/65,16-10-65
Operation: -
Date of Award: 20 September 1965
CITATION
MAJOR MOHAMMAD AHMAD ZAKI (IC-7613)
19 BATTALION, THE MARATHA LIGHT INFANTRY
Major Mohammad Ahmad Zaki was in command of the leading assaulting company of his battalion near Thatti Jaimal Singh in the Lahore Sector. On 20 September 1965, his company came under heavy medium machine gun, rifle and Browning fire and he was injured in the shoulder and arm by a burst of medium machine gun fire. Still he led a determined assault on the enemy He was wounded again. Undaunted by his successive injuries, he drove home the assault in what was virtually hand-to hand fighting. With a hand grenade he himself destroyed an enemy bunker containing a medium machine gun. At this stage he fell exhausted due to profuse bleeding, but inspired by his determined efforts, his company annihilated the enemy and captured the objective. In this battle, Major Zaki showed inspiring leadership, courage and dedication to duty, in the highest traditions of the Indian Army.
In March 1976, he raised the 18th Battalion of the Maratha Light Infantry. He was promoted to the rank of Brigadier and took over the command of the 86th Infantry Brigade in Punjab. From 1984 to 1985, he was DIG Mizoram Range (Assam Rifles).[4]
Further elevated to the rank of Lieutenant General in 1988, he took over as Director General Infantry. He was corps commander of the Chinar Corps in Srinagar when there was an outbreak of insurgency in Kashmir. Zaki was awarded the Param Vishisht Seva Medal in 1991. He took over as Commandant of the Indian Military Academy in Dehra Dun in June 1991. After that, he was appointed an advisor to the Governor of Jammu and Kashmir. He retired from the Indian Army on 31 January 1993, after nearly 38 years of service.[1] He then had a second stint as advisor to the Governor of Jammu and Kashmir from 1993 to 1995. General Zaki was awarded the Padma Shri by the Government of India in 2001 for his services to the nation.[5]