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.
Foundations & Conditions
Complete Ownership as a Condition of Zakat
What does 'complete ownership' mean for zakat, and how does it affect frozen or inaccessible wealth?
Short answer: The provided sahih hadith do not explicitly define 'complete ownership' (al-milk al-tamm) as a condition for zakat, but from the general obligation of zakat on wealth that one possesses and controls (see S…
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Hadith: Sahih al-Bukhari 1454; Sahih al-Bukhari 1403; Sahih al-Bukhari 1404; Sahih al-Bukhari 1408; Sahih Muslim 1050• Fiqh: Based on general zakat injunctions in Sahih al-Bukhari and Sahih Muslim; condition of complete ownership inferred by scholars such as Ibn Baz, al-Uthaymin, and the Permanent Committee.
Zakat al-Fitr
Zakat al-Fitr: The Obligation and Who Must Pay
Who is obliged to pay zakat al-fitr, and does the head of household pay for dependents?
Short answer: Zakat al-Fitr is obligatory upon every Muslim, male and female, young and old, free and slave, who has the means to pay. The head of household is responsible to pay on behalf of his dependents who lack the…
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Hadith: Sahih Muslim 985b; Sahih al-Bukhari 1504; Sahih al-Bukhari 1503• Fiqh: Based on Sahih al-Bukhari (1503, 1504) and Sahih Muslim (985b); the practice of the Companions; evidence-based position of Ibn Baz, al-Uthaymin, and the Permanent Committee.
Zakat al-Fitr
Zakat al-Fitr: Cash vs Food
May I give the value of zakat al-fitr in cash, or must it be given as food grain?
Short answer: The authentic Sunnah requires Zakat al-Fitr to be given as food (staples like dates, barley, raisins, cheese or the local staple grain), not as cash. The Prophet (ﷺ) and his companions always gave a sa' of…
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Hadith: Sahih al-Bukhari 1510; Sahih Muslim 985b• Fiqh: Ibn Baz; al-Uthaymin; Permanent Committee of Islamic Research and Ifta
Zakat al-Fitr
The Amount of Zakat al-Fitr: One Sa'
How much is zakat al-fitr — what is a sa' in kilograms, and of which food?
Short answer: Zakat al-Fitr is obligatory as one sa‘ of the common staple food of the region. The sa‘ is a volume measure; its weight in kilograms varies depending on the food item, but scholars approximate one sa‘ to b…
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Hadith: Sahih al-Bukhari 1511; Sahih Muslim 985b; Sahih Muslim 984c; Sahih al-Bukhari 1508; Sahih al-Bukhari 1510• Fiqh: Sahih al-Bukhari; Sahih Muslim
Cash, Bank & Savings
Zakat on Mobile Money (bKash/Nagad) Balances
I keep money in bKash and Nagad wallets — is zakat due on those balances?
Short answer: Yes, zakat is due on mobile money (bKash/Nagad) balances if they reach the nisab (minimum threshold) and remain in your possession for one complete lunar year (hawl). These balances are equivalent to cash …
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Quran: Surah At-Tawbah 9:34-35• Hadith: Sahih al-Bukhari 1468; Sahih al-Bukhari 1404; Sahih al-Bukhari 1403; Sahih al-Bukhari 1405; Sahih Muslim 988a; Sahih Muslim 983• Fiqh: Ibn Baz, al-Uthaymin, Permanent Committee for Islamic Research and Ifta; based on Qur'an and Sahih Hadith (no madhhab taqlid)
Cash, Bank & Savings
Zakat on an Islamic-Bank Mudarabah Deposit
My money is in an Islamic-bank mudarabah savings account — how is zakat calculated on it and its profit?
Short answer: Zakat is due on the principal amount of a mudarabah savings account and its profit if the total reaches the nisab (minimum threshold) and one lunar year passes. The profit is treated as part of the wealth …
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Quran: Surah At-Tawbah 9:34-35• Hadith: Sahih al-Bukhari 1404; Sahih al-Bukhari 1403; Sahih al-Bukhari 1405• Fiqh: Majority of scholars including Ibn Baz, al-Uthaymin, and the Permanent Committee for Islamic Research and Ifta based on Sahih al-Bukhari and Sahih Muslim evidences.
Cash, Bank & Savings
Zakat on Gift, Eidi and Prize Money
Money received as gifts, eidi or a lawful prize accumulates in my savings — how is zakat reckoned?
Short answer: Gifts, eidi, and prize money are part of your wealth. Zakat is due on them when their total, combined with other savings, reaches the nisab (minimum threshold) and a full lunar year (haul) passes over them…
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Hadith: Sahih al-Bukhari 1404; Sahih al-Bukhari 1454; Sahih al-Bukhari 1403; Sahih al-Bukhari 1408; Sahih Muslim 988a; Sahih Muslim 983• Fiqh: Based on general evidences from Sahih al-Bukhari and Sahih Muslim; Ibn Baz, al-Uthaymin, Permanent Committee
Cash, Bank & Savings
Zakat on Foreign Currency Held
I hold US dollars and other foreign currency — at what rate and how do I pay zakat?
Short answer: Foreign currency is treated as cash wealth subject to zakat. If the total value reaches the nisab (equivalent to 85g of gold or 595g of silver) and you have possessed it for one complete lunar year, you mu…
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Quran: Surah Ar-Rum 30:39• Hadith: Sahih al-Bukhari 1454; Sahih al-Bukhari 1448; Sahih al-Bukhari 1466• Fiqh: Ibn Baz; al-Uthaymin; Permanent Committee
Cash, Bank & Savings
Fixing One Annual Zakat Date for All My Money
My income arrives all year round — how do I fix a single zakat date instead of tracking each amount's hawl?
Short answer: You may choose a single annual date for all your savings, but the hawl (one lunar year) condition must be observed. The preferred method is to track the hawl of each amount, but if that is difficult, you c…
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Quran: Surah At-Tawbah 9:71• Hadith: Sahih al-Bukhari 1454; Sahih Muslim 987a• Fiqh: Based on general zakat evidence from Sahih al-Bukhari and Sahih Muslim; practice of early Muslims (not detailed in evidence). Acceptable alternative: unified date method.
Cash, Bank & Savings
Zakat on an Emergency or Rainy-Day Fund
I keep a fund aside strictly for emergencies — is zakat still due on it?
Short answer: Yes, zakat is due on an emergency or rainy-day fund if it meets the nisab threshold and has been in your possession for one lunar year (hawl).
Details: Zakat is an obligatory act of worship on wealth, and…
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Hadith: Sahih al-Bukhari 1468; Sahih Muslim 987a; Sahih Muslim 988a; Sahih al-Bukhari 1405• Fiqh: Sahih al-Bukhari 1405, 1454; Sahih Muslim 987a, 988a
Cash, Bank & Savings
Zakat on Bank Accounts and Savings Balances
How do I pay zakat on the money in my current and savings bank accounts?
Short answer: Zakat is obligatory on money held in bank accounts (current and savings) if it reaches the nisab (minimum threshold) and has been in your possession for one lunar year. The nisab for cash is based on silve…
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Hadith: Sahih al-Bukhari 1404; Sahih al-Bukhari 1403; Sahih al-Bukhari 1454; Sahih al-Bukhari 1395• Fiqh: Sahih al-Bukhari, Sahih Muslim; as understood by the Salaf and Ahl al-Hadith scholars
Cash, Bank & Savings
Zakat on Cash Kept at Home
Is zakat due on cash I keep at home, and does hoarding cash carry any warning?
Short answer: Yes, zakat is due on cash kept at home if it reaches the nisab (minimum threshold) and a lunar year passes. Hoarding cash without paying zakat carries a severe warning of punishment.
Details:
Zakat is obl…
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Hadith: Sahih Muslim 987a; Sahih al-Bukhari 1402; Sahih al-Bukhari 1405; Sahih al-Bukhari 1454; Sahih Muslim 992a; Sahih al-Bukhari 1468• Fiqh: Major Salafi scholars (Ibn Baz, al-Uthaymin, Permanent Committee)