Category: Zakat
Fatwa#: 24990
Asked Country: Saudi Arabia

Answered Date: Apr 16,2013

Title: How To Calculate Zakaat On Gold Jewellery?

Question

 

I divorced recently.  Now im staying with my parents.All my things ( clothes, jewellery, household materials, etc.,) are still with my ex-husband and his family. Due to some legal reasons we did not take all those things from their house. We never asked them to return nor did they tell us to take back all those. i have nearly 70 gms of gold ornaments( 25 gms from my parents side, 15 gms from in laws side and rest which i got as gifts).

My question is that all ( nearly 70gms of gold) that jewellery is with my ex husbands family.im not using that and its not with me.so, am i eligible for zakat even on that jewellery which is not with me?

Answer

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

If you are the rightful owner of the gold ornaments, then all the responsibilities of the ownership of the gold ornaments will be directed to you.

Not having physical ownership of the gold ornaments does not absolve you from the Shar’ee responsibility of the gold ornaments.

Accordingly, you will have to calculate Zakaat on the gold ornaments by your in-laws as per your personal situation. [1]

The Nisaab of Zakaat for gold is 20 Mithqals or 87.479 grams. The Nisaab of silver is 200 Dirhams or 612.36 grams.[2]

You state that you have 70 grams of gold. If you do possess other pieces of gold jewellery, you should add these to the 70 grams of gold and calculate whether the full amount is equivalent or lesser than the Nisaab amount. If the total amount of gold is equal or more than the Nisaab amount, one will be obligated to pay Zakaat on the gold. [3]

If you posses silver, you should join the silver to the gold and if the value of them combined reaches the Nisaab of either gold or silver, then Zakaat is obligatory.[4]

For example, if one had 500 grams of silver throughout the year and then acquires 75 grams of gold during the year, then the value of the gold must be calculated and combined with the silver in order to determine whether this combined value reaches the Nisaab.

In principle, if the percentage of gold in the ornaments is more than the alloy, then the entire ornaments will be considered as Zakaatable.[5] The total value of the gold ornaments will then be added to your Zakaatable assets when calculating Zakaat[6]. However, if the total amount of gold in the ornaments do not exceed the amount of alloy, then the entire ornament would not be Zakatable. Rather, the value of the actual gold will be added to the total Zakatable assets when calculating Zakaat.

Kindly refer to the following table for more details on calculating Zakaat:

 

Personal Wealth

Amounts:

1.   Amount of Cash and Savings at home or in the bank

R 10,000

2.   Current value of any gold and silver jewelry, coins, utensils etc

R 5,000

3.   Value of  assets and merchandise for trade

R 20,000

4.   Receivables and loaned amounts to others

R 5,000

Total these amounts here:

R 40,000

Amount Debts to be paid:

R 20,000

Subtract the total amount of debts for the year from the above amount.

 

Nett Total of Zakatable Wealth

R 20,000

if the net total of Zakatable Wealth is more than the Nisab amount then…

 

Multiply the nett total by 2.5% (nett amount x 0.025)

R 500

 

And Allah Ta’āla Knows Best                                           

Ismail Desai,
Student Darul Iftaa
Durban, South Africa

Checked and Approved by,
Mufti Ebrahim Desai.



1  هي تمليك مال مخصوص لشخص مخصوص، فرضت علي حر مسلم مكلف مالك لنصاب من نقد و لو تبرا أو حليا أو آنية أو ما يساوي قيمته (نور الايضاح، ص 208- 209)

  نصاب الذهب عشرون مثقالا و الفضة مائتا درهم (تنوير الأبصار، ج 2، ص 295، ايج ايم سعيد)[2]

 و المعتبر وزنهما أداء وجوبا (تنوير الأبصار، ج 2، ص 297)[3]

  و لو بلغ بأحدهما نصابا دون الآخر تعين ما يبلغ به (تنوير الأيصار، ج 2، ص 299)[4]

  و ما غلب علي الغش فكالخالص من الدين (نور الايضاح، ص 214)[5]

  و أما المستفاد في أثناء الحول فيضم الي مجانسه (نور الايضاح، ص 210)[6]

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