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.
Debts & Loans
A Guarantor's Liability and Zakat
I stood guarantor for my brother's bank loan. Does this liability reduce my zakat? And what if he defaults?
Short answer: (1) A guarantee is a contingent liability — while the principal debtor keeps paying, nothing has left your wealth; it therefore has no effect on your zakat, which falls on your full wealth as usual. (2) If…
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Quran: Quran 9:103; 9:60• Hadith: Abu Dawud 3565; Tirmidhi 1265• Fiqh: al-Uthaymin on contingent liabilities
Debts & Loans
Does Giving an Interest-Free Loan Reduce Zakat?
I give interest-free loans hoping for reward. That money is not in my hand — does it leave my zakat reckoning? And does lending earn charity-like reward?
Short answer: (1) No — a loan to a solvent, sure-to-repay borrower remains your wealth (a strong debt): it stays in your zakat reckoning every year; lending is not a route to lower zakat. Should it turn doubtful (weak),…
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Quran: Quran 2:245, 2:282; 57:11• Hadith: Sahih Muslim 2699• Fiqh: athar of Uthman; Permanent Committee
Debts & Loans
Giving Zakat to Recover One's Own Loan
Someone owes me and cannot pay. I hear people give the debtor zakat saying 'now repay me with it' — clearing zakat and recovering the loan together. Is this va…
Short answer: With strings attached it is invalid — 'I give you zakat, you repay me' as a deal or understanding fails as zakat, since no true tamlīk (unconditional transfer of ownership) occurred; it is effectively rout…
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Quran: Quran 9:60; 2:280• Hadith: Sahih al-Bukhari 1• Fiqh: majority; Permanent Committee; al-Uthaymin
Debts & Loans
Zakat for Someone Drowning in Interest-Bearing Debt
A relative is trapped in NGO/bank interest-bearing loans — installments piling up. May zakat money be given to him?
Short answer: Yes — the insolvent debtor (ghārim) is a Quranic category of zakat; even where the loan is an interest-bearing contract, one who is genuinely unable and sincerely wants out may be given zakat to clear the …
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Quran: Quran 9:60; 5:2• Hadith: Sahih Muslim 1044• Fiqh: Ibn Baz on aiding the indebted
Debts & Loans
The Deceased's Unpaid Zakat: What Heirs Must Do
We know father left several years' zakat unpaid before his death. Must we heirs settle it, and from which funds?
Short answer: Yes — unpaid zakat is a debt on the deceased, indeed the weightiest one: settling it from the gross estate before distribution is obligatory on the heirs, will or no will. Order: funeral costs → debts (All…
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Quran: Quran 4:11• Hadith: Bukhari 1953, 2738• Fiqh: Ibn Baz; al-Uthaymin on estate liabilities
Debts & Loans
Zakat on Unpaid Salary and Wages
My employer owes me months of salary, and a client owes freelance invoices. Do I owe zakat on these dues now?
Short answer: By class of receivable: (a) dues from a solvent, acknowledging employer/client — who will pay, only late — are strong debts: add them yearly to your reckoning (or settle the accumulated years on collection…
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Quran: Quran 9:103• Hadith: Ibn Majah 2443; Bukhari 2227• Fiqh: Permanent Committee on classes of receivables
Debts & Loans
Zakat on Borrowed Money Held in Hand
I borrowed a large sum for business, but it still sits in my account — a year has passed. Is zakat due on borrowed money?
Short answer: Yes — upon borrowing, the money becomes your property (that is the very point of a loan: you gain the right to spend it); despite the liability you owe, this wealth in hand owes zakat once nisab and hawl c…
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Quran: Quran 9:103• Hadith: Bukhari 1395, 2393• Fiqh: al-Uthaymin on the debtor's zakat
Cryptocurrency
Crypto Earned by Haram Means — Does Zakat Purify It?
In the past I earned crypto through gambling sites/scam schemes. I want to repent — will paying zakat on it purify this wealth?
Short answer: No. Zakat purifies lawful wealth; the remedy for haram earnings is not zakat but full divestment: (a) what was taken from identifiable victims by fraud must be returned to them; (b) where owners cannot be …
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Quran: Quran 2:188; 5:90• Hadith: Muslim 1015; Bukhari 1410• Fiqh: Permanent Committee; Ibn Baz on divesting haram wealth
Cryptocurrency
Zakat on Jointly Held Family Crypto
My wife, brother and I buy crypto in one account — no one's own share reaches nisab, but together it does. Is zakat due?
Short answer: In money-type wealth each owner's share is reckoned separately — even inside a joint account. Whoever's share (with his other wealth) does not reach nisab owes nothing; whoever's does pays 2.5% on his own …
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Quran: Quran 9:103• Hadith: Bukhari 1450, 1405• Fiqh: majority; al-Uthaymin on khultah
Cryptocurrency
Zakat on Mining Equipment
I bought expensive mining rigs/GPUs. Is zakat due on the machines' value, or only on the mined coins?
Short answer: No zakat on the machines' value — mining rigs are means of production, fixed assets like a craftsman's tools or factory machinery. Zakat falls on the output: mined coins are your income — on your annual za…
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Quran: Quran 2:267• Hadith: Sahih al-Bukhari 1464• Fiqh: al-Uthaymin; Permanent Committee on productive assets
Cryptocurrency
Zakat When Crypto Is Pledged for a Loan
I pledged bitcoin as collateral and took a stablecoin loan. How does zakat work on the pledged coins and the borrowed funds?
Short answer: (1) Pledged bitcoin is still your property — a pledge does not block zakat; count its market value on your zakat day. (2) The borrowed stablecoins in your hands are wealth under your control — they enter t…
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Quran: Quran 2:283; 9:103• Hadith: Bukhari 2068; Muslim 1598• Fiqh: al-Uthaymin on debt and pledged assets
Cryptocurrency
DeFi Lending and Liquidity Pools
Lending coins on DeFi platforms or providing liquidity yields interest-like returns. Is this permissible? And what of zakat on the deposited coins?
Short answer: (1) DeFi 'lending' — coins lent for a fixed/variable extra return — is stipulated increase on a loan, i.e. riba: impermissible. (2) Liquidity pools / yield farming: rulings differ by structure — genuine fe…
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Quran: Quran 2:275, 2:279• Hadith: Muslim 1598, 1513• Fiqh: contemporary scholars on riba/gharar