Formula used
Gold value = grams × 24K rate per gram × (karat ÷ 24)
Net wealth = gold + silver + cash + savings + business stock + receivables − debts due
If net wealth ≥ nisab → Zakat = net wealth × 2.5%
1 tola = 11.664 grams. Silver nisab = 52.5 tola (612.36 g). Gold nisab = 7.5 tola (87.48 g). Zakat is due once your wealth has stayed above nisab for a full lunar (Hijri) year.
What to include and what to leave out
Include
- All gold and silver (jewellery, coins, bars)
- Cash, bank, JazzCash / Easypaisa balances
- Shares, mutual funds, NSS certificates, prize bonds
- Business stock at sale value
- Plot bought to resell (at market value)
Leave out
- Your home, car and household items
- Shop fittings, machinery and tools
- Rented property itself (only saved rent counts)
- Money lent that you don't expect back
- Provident fund you cannot yet withdraw
Examples
| Situation | Holdings | Outcome |
|---|---|---|
| Salaried family | 3 tola 22K jewellery, Rs 250,000 in bank, Rs 40,000 bill due | Net wealth above silver nisab → 2.5% of (gold value + 250,000 − 40,000) |
| Shopkeeper | Rs 1,200,000 stock, Rs 300,000 cash, Rs 500,000 supplier payment due | Zakat on 1,000,000 → Rs 25,000 |
| Student | Rs 60,000 savings, no gold | Below nisab in most years → no zakat due |
Frequently Asked Questions
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