Ref. No. 39/1084
In the name of Allah the most Gracious the most merciful
The answer to your question is as follows:
You own the required nisaab for Qurbani though it is not in your hands and you have right to claim. In shariah, you are regarded the owner of Nisab. So you are obliged to do Qurbani.
And Allah knows best
Darul Uloom Waqf Deoband