The SGT Fatwa Library brings together verified Islamic rulings on Zakat for modern assets — cryptocurrency,
stocks and shares, pension and GPF funds, real estate, and debts and loans. Each fatwa cites its Quran,
Hadith, and scholarly references so you can apply the ruling with confidence, and every entry is available
in six languages — বাংলা, English, العربية, اردو, Bahasa Indonesia and हिन्दी. Use the language buttons
above and the filters below, then open any entry to read the full ruling and the evidence behind it.
Cryptocurrency
Zakat on Airdrops and Free Tokens
I receive free tokens from project airdrops — some have market value, some cannot even be sold. How is zakat paid on them?
Short answer: An airdrop is wealth received as a gift — owned from the day you receive it. Tokens with real market value and sellability join your other monetary wealth and are paid at 2.5% on your annual zakat day. Uns…
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Quran: Quran 9:103• Hadith: Ibn Majah 1792, sahih per al-Albani• Fiqh: al-Uthaymin on newly acquired wealth
Stocks & Shares
Zakat on Employee Shares and RSUs
My employer grants shares/RSUs — some unvested, some under lock-in. Which part is zakatable?
Short answer: (a) Unvested RSUs: you do not own them yet — they lapse if you leave — so no zakat. (b) Vested shares: your wealth — zakatable. (c) Vested but locked-in: ownership is complete, so per the sounder view they…
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Quran: Quran 9:103• Hadith: Ibn Majah 1792, sahih per al-Albani• Fiqh: al-Uthaymin; Permanent Committee on complete ownership
Stocks & Shares
Mixed Companies: Zakat and Purification
What is the ruling on investing in and paying zakat on shares of a company whose core business is halal but which has some interest income or debt?
Short answer: If the core business is haram (interest banking, alcohol, gambling), trading its shares is impermissible outright. If the core is halal but mixed with interest dealings, taqwa demands avoiding it; those wh…
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Quran: Quran 2:275, 2:279; 5:2• Hadith: Sahih Muslim 1015• Fiqh: contemporary scholars; shariah screening standards
Stocks & Shares
Zakat on Mutual and Index Funds
I have invested in mutual fund or index fund units. How do I pay zakat on them?
Short answer: Fund units represent the underlying share assets and take the same ruling as shares. If held to sell for capital gains, pay 2.5% of the full NAV/market value on your zakat day; if held long-term for income…
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Quran: Quran 2:267• Hadith: Sahih al-Bukhari 1• Fiqh: AAOIFI Std 35; Permanent Committee
Stocks & Shares
Zakat on Received Dividends
I receive cash dividends every year. Is zakat due on them separately?
Short answer: Once received, dividends are ordinary cash that merges with your other money. There is no separate rate — whatever remains on your annual zakat day is paid at 2.5% as part of your total cash.
Details: Div…
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Quran: Quran 2:267• Hadith: Sahih al-Bukhari 1454• Fiqh: al-Uthaymin on mid-year income
Stocks & Shares
Zakat on Long-Term Dividend Shares
I hold shares long-term for dividends, not to sell. Is zakat on the full market value or calculated differently?
Short answer: Evidence-based scholars offer two methods: (a) pay 2.5% on your proportional share of the company's zakatable assets (cash, receivables, inventory) — since a shareholder truly owns a share of the company's…
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Quran: Quran 9:103• Hadith: Sahih al-Bukhari 1464• Fiqh: al-Uthaymin; AAOIFI Shariah Standard 35
Stocks & Shares
Zakat on Shares Bought for Trading
I buy shares intending to sell when the price rises. How do I calculate zakat on them?
Short answer: Shares held with intent to resell are trade goods (ʿurūḍ at-tijārah). On your zakat day, pay 2.5% of the portfolio's full market value — not its purchase cost.
Details: Include accumulated dividends and t…
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Quran: Quran 2:267• Hadith: Sahih al-Bukhari 1454• Fiqh: Permanent Committee; Ibn Baz; AAOIFI Std 35
Real Estate
Zakat on Farmland and Crops (Ushr)
I own paddy land in the village. How is zakat paid on the land and its crops?
Short answer: The land's value carries no zakat (unless held for resale trade). Zakat is on the crop, due on harvest day with no hawl: 10% (ushr) if watered by rain/natural sources, 5% (half-ushr) if irrigated at cost. …
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Quran: Quran 6:141; 2:267• Hadith: Bukhari 1483, 1405; Muslim 979• Fiqh: consensus on ushr; Ibn Baz
Real Estate
Zakat on a Flat Booked on Installments
I am paying installments on a flat booked with a developer; no handover yet. Is zakat due on the paid installments or the flat?
Short answer: It depends on the purpose. (a) For your own residence: no zakat on either the paid installments or the flat — the money paid is no longer yours, and the flat is a personal-use asset. (b) Intended for profi…
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Quran: Quran 2:267• Hadith: Bukhari 1, 1464• Fiqh: Permanent Committee on real-estate zakat
Real Estate
Zakat on Property with Undecided Intention
I bought land without deciding — I might sell if the price is good, or might build. Is zakat due in this state?
Short answer: No. Trade-goods zakat requires a firm, definite intention of trading. In the hesitant state of 'might sell, might keep', the land takes the default ruling of ordinary property, which carries no zakat. The …
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Quran: Quran 2:286• Hadith: Bukhari 1, 1464; Muslim 1907• Fiqh: al-Uthaymin on firm trade intention
Real Estate
Zakat on Property Bought for Resale
I bought land intending to resell at a profit — it has sat unsold for years. Do I owe zakat every year?
Short answer: Yes. Land or flats bought with firm resale intent are trade goods (ʿurūḍ at-tijārah) — every year on your zakat day, 2.5% of that day's market value is due, however long it stays unsold.
Details: Use the …
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Quran: Quran 2:267• Hadith: Sahih al-Bukhari 1• Fiqh: Permanent Committee; Ibn Baz
Real Estate
Zakat on Rental Property
I rent out a flat. Is zakat on the flat's value or on the rent?
Short answer: Not on the flat's value — zakat falls on the accumulated rent money. On your zakat day, whatever rent savings (combined with your other cash) stand above nisab are zakated at 2.5%.
Details: A rented prope…
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Quran: Quran 9:103• Hadith: Bukhari 1464, 1454; Ibn Majah 1792• Fiqh: Ibn Baz; al-Uthaymin; Permanent Committee