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.
Real Estate
Is Zakat Due on One's Own Home?
The house my family lives in is worth a lot including the land. Is zakat due on it?
Short answer: No. The home you live in, the car you drive, your furniture — personal-use assets carry no zakat regardless of value. Zakat falls on growing/trading wealth: cash, gold and silver, trade goods, livestock, c…
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Quran: Quran 9:103• Hadith: Bukhari 1464; Muslim 982• Fiqh: Ibn Qudamah; Ibn Baz; al-Uthaymin
Pension & GPF
Zakat on Unvested Employer Contributions
My employer matches my fund contributions, but I forfeit their share unless I serve a set number of years. Which part do I owe zakat on?
Short answer: Reckon in three parts: (1) your own contributions — zakatable yearly if withdrawal is possible, otherwise upon receipt; (2) the employer's unvested (conditional) share — never owned, so no zakat; (3) veste…
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Quran: Quran 9:103• Hadith: Ibn Majah 1792, sahih per al-Albani• Fiqh: al-Uthaymin; Permanent Committee on complete ownership
Pension & GPF
Zakat on Gratuity
My employer pays a gratuity at the end of service. Do I account for it during employment or only after receiving it?
Short answer: No zakat before the gratuity reaches your hand — during service it is not wealth you own, only the employer's promised liability, whose amount is not even final. From the day of receipt it becomes cash wea…
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Quran: Quran 9:103• Hadith: Ibn Majah 1792, sahih per al-Albani• Fiqh: Permanent Committee on end-of-service benefits
Pension & GPF
Zakat on Bank DPS and the Interest Ruling
I run a bank DPS that pays 'profit' on maturity along with my deposits. What is the ruling on zakat and on that profit?
Short answer: (1) Your deposited principal is your wealth — add it yearly to your other cash and pay 2.5% once above nisab, since a DPS can be broken and the principal recovered (even with a penalty). (2) The fixed-rate…
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Quran: Quran 2:275, 2:279• Hadith: Sahih Muslim 1598• Fiqh: Permanent Committee; Ibn Baz on bank interest
Pension & GPF
Zakat on Monthly Pension Income
I receive a monthly pension, most of which is spent on the household. Is zakat due on this income?
Short answer: Zakat is not on income but on savings. A monthly pension is like a salary: what gets spent carries no zakat; what accumulates, keeps your total above nisab and survives a lunar year is zakated at 2.5%.
De…
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Quran: Quran 2:219• Hadith: Ibn Majah 1792, sahih per al-Albani• Fiqh: Ibn Baz; al-Uthaymin on salary zakat
Pension & GPF
Zakat on the Retirement Lump Sum
On retirement I received a large lump sum from pension/GPF. From when and how do I pay zakat on it?
Short answer: The hawl starts the day the money reaches your hand. One lunar year later, whatever remains above nisab is zakated at 2.5%. No back-zakat is owed for the accumulation years, since ownership was incomplete …
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Quran: Quran 9:34-35• Hadith: Ibn Majah 1792; Bukhari 1405; Muslim 979, 987• Fiqh: Permanent Committee
Pension & GPF
Zakat on GPF and Provident Funds
My GPF/provident fund accumulates money I cannot withdraw before service ends. Must I pay zakat on it every year?
Short answer: The portion you cannot withdraw or spend at will carries no zakat before you take possession, because ownership is incomplete. Once received, it joins your cash and is zakated after nisab and hawl. However…
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Quran: Quran 9:103• Hadith: Ibn Majah 1792, sahih per al-Albani• Fiqh: Permanent Committee; Ibn Baz
Debts & Loans
Giving Zakat to Debtors; Forgiving a Loan as Zakat
May zakat be given to a person drowning in debt? And if I forgive a loan owed to me, can that count as my zakat?
Short answer: (1) Yes — debtors (al-ghārimīn) are one of the eight Quranic categories; a person indebted for halal needs and unable to repay may receive zakat up to his debt, and it may even be paid directly to his cred…
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Quran: Quran 9:60• Hadith: Sahih Muslim 1044• Fiqh: majority; Permanent Committee; al-Uthaymin on tamlīk
Debts & Loans
Zakat on Security Deposits and Advance Rent
When renting my home I paid the landlord a security deposit and some months' advance. Who owes zakat on this money?
Short answer: (1) Refundable security deposit: it is your wealth — a receivable (strong debt) held by the landlord. If he is solvent and refund is assured, add it yearly to your own zakat reckoning. (2) Advance rent: up…
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Quran: Quran 9:103• Hadith: Bukhari 1454; athar of Uthman• Fiqh: Permanent Committee on refundable deposits
Debts & Loans
Zakat While Carrying a Home Loan
I took a long-term home loan with monthly installments. Are my savings exempt from zakat until the loan is repaid?
Short answer: No exemption. Despite a long-term loan, zakat remains obligatory on nisab-level savings in hand — the weightier evidence-based position. At most, the imminently due installment may be deducted; deducting t…
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Quran: Quran 9:103; 2:278-279• Hadith: Sahih Muslim 1598• Fiqh: al-Uthaymin on the debtor's zakat
Debts & Loans
Zakat on Bad or Doubtful Receivables
I lent money to someone who now denies it or cannot pay; recovery is uncertain. Must I keep paying zakat on it?
Short answer: No. A receivable from a denying, absconding or insolvent debtor is a 'weak debt' — no zakat while recovery is uncertain. Upon recovery, the sounder view starts a fresh hawl from that day; paying one year's…
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Quran: Quran 2:280, 2:286• Hadith: Ibn Majah 1792, sahih per al-Albani• Fiqh: Permanent Committee; al-Uthaymin on weak debts
Debts & Loans
Zakat on Money You Have Lent Out
I lent a large sum to a relative; he is solvent, acknowledges it and will repay on time. Do I owe zakat on this money?
Short answer: Yes. A receivable from a solvent, acknowledging borrower is a 'strong debt' — it is your wealth sitting in another's hand. Each year on your zakat day, add it to your other wealth and pay 2.5%. If paying n…
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Quran: Quran 9:103• Hadith: Bukhari 1454; athar of Uthman, Muwatta• Fiqh: Ibn Baz; Permanent Committee on strong debts